Rhode Island § 6-51-4 § 6-51-4. Repossession of automobile as a result of default under a loan or lease agreement.

Rhode Island Statutes

§ 6-51-4 — § 6-51-4. Repossession of automobile as a result of default under a loan or lease agreement.

Rhode Island § 6-51-4

Title 6Commercial Law – General Regulatory Provisions

Ch. 6-51The Rhode Island Automobile Repossession Act

This text of Rhode Island § 6-51-4 (§ 6-51-4. Repossession of automobile as a result of default under a loan or lease agreement.) is published on Counsel Stack Legal Research, covering Rhode Island primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

R.I. Gen. Laws § 6-51-4 (2026).

Text

§ 6-51-4. Repossession of automobile as a result of default under a loan or lease agreement.
(a) Subject to the provisions of § 6-50-3, a lessor or secured party under a consumer automobile lease or loan agreement may
            take possession of the automobile. In taking possession, the lessor or secured party
            under a consumer automobile lease or loan agreement may proceed without prior hearing
            pursuant to § 6-50-3, only if the possession can be obtained without a breach of peace and, unless the
            consumer consents to an entry, at the time of such entry, without entry upon property
            owned by, or rented to the consumer, except as provided for in chapter 12.1 of title

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§ 6-51-4. Repossession of automobile as a result of default under a loan or lease agreement.

(a) Subject to the provisions of § 6-50-3, a lessor or secured party under a consumer automobile lease or loan agreement may take possession of the automobile. In taking possession, the lessor or secured party under a consumer automobile lease or loan agreement may proceed without prior hearing pursuant to § 6-50-3, only if the possession can be obtained without a breach of peace and, unless the consumer consents to an entry, at the time of such entry, without entry upon property owned by, or rented to the consumer, except as provided for in chapter 12.1 of title 39.

(b) Any lessor or secured party obtaining possession of an automobile under the provisions of this chapter shall notify the police department of the city or town in which such possession occurred pursuant to § 6A-9-609(b)(2).

(c) The consumer under an automobile lease or loan agreement may redeem the automobile from the lessor or secured party and have the automobile lease or loan agreement reinstated at any time within twenty (20) days of the lessor's or secured party's taking possession of the automobile, or thereafter until the lessor or secured party has either disposed of the automobile; entered into a contract for its disposition; or gained the right to retain the automobile.

(d) The lessor or secured party may, after gaining possession of the automobile, sell or otherwise dispose of the automobile after the twenty-day (20) redemption period provided for in subsection (c) of this section.