Consumer Credit Code; loan disclosure; effective date.

HB 1470 requires lenders to clearly disclose a loan's interest rate (fixed or variable) and all associated fees on the first page of loan documents. Borrowers must then sign or initial to confirm they've read and understood these details. The bill applies directly to lenders offering consumer loans in Oklahoma and affects all borrowers receiving loan paperwork. It takes effect on November 1, 2025, mandating upfront transparency about loan costs.