§ 40-14-314 — Loan finance charge on refinancing

(a) With respect to a consumer loan, refinancing or
consolidation, the lender may by agreement with the debtor
refinance the unpaid balance and may contract for and receive a
loan finance charge based on the principal resulting from the
refinancing at a rate not exceeding that permitted by the
provisions on loan finance charge for consumer loans (W.S. 40-
14-310). For the purpose of determining the loan finance charge
permitted, the principal resulting from the refinancing
comprises the following:
(i) If the transaction was not precomputed, the total
of the unpaid balance and the accrued charges on the date of the
refinancing, or, if the transaction was precomputed, the amount
which the debtor would have been required to pay upon prepayment
pursuant to the provisions on rebate upon prepayment (W.S.
40-14-319) on the date of refinancing, except that for the
purpose of computing this amount no minimum charge (W.S.
40-14-319) shall be allowed; and
(ii) Appropriate additional charges (W.S. 40-14-311),
payment of which is deferred.