25 CFR § 141.45 - Consumer credit applications.

---
identifier: "/us/cfr/t25/s141.45"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "25 CFR § 141.45 - Consumer credit applications."
title_number: 25
title_name: "Indians"
section_number: "141.45"
section_name: "Consumer credit applications."
chapter_name: "BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR"
subchapter_number: "G"
subchapter_name: "FINANCIAL ACTIVITIES"
part_number: "141"
part_name: "BUSINESS PRACTICES ON THE NAVAJO, HOPI AND ZUNI RESERVATIONS"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "5 U.S.C. 301; 25 U.S.C. 2 and 9; and Sec. 701, Pub. L. 114-74, 129 Stat. 599, unless otherwise noted."
regulatory_source: "40 FR 39835, Aug. 29, 1975, unless otherwise noted. Redesignated at 47 FR 13327, Mar. 30, 1982."
cfr_part: "141"
---


# 141.45 Consumer credit applications.

Any reservation business offering credit which is not secured by pawn shall provide an application for credit to any customer requesting credit. Within thirty (30) days of the date of application, the lender shall act upon the application and notify the customer in writing of the decision with the reason therefor. A business owner who reduces the amount of credit available to a customer or terminates a credit account shall provide written notice to the customer stating the reason for the reduction or termination of such credit.