§ 40-14-236 — Use of multiple agreements

A seller may not use multiple agreements with intent to obtain a
higher credit service charge than would otherwise be permitted
by this article or to avoid disclosure of an annual percentage
rate pursuant to the laws relating to disclosure and
advertising. The excess amount of credit service charge provided
for in agreements in violation of this section is an excess
charge for the purposes of the provisions on the effect of
violations on rights of parties (W.S. 40-14-521) and the
provisions on civil actions by administrator (W.S. 40-14-613).