Section 16a-4-110 - (UCCC) Charge for insurance in connection with a refinancing or consolidation; duplicate charges(1) A creditor may not contract for or receive a separate charge for insurance in connection with a refinancing or a consolidation , unless: (a) The consumer agrees at or before the time of refinancing or consolidation that the charge may be made;(b) the consumer is or is to be provided with insurance for an amount or a term, or insurance of a kind, in addition to that to which said consumer would have been entitled had there been no refinancing or consolidation;(c) the consumer receives a refund or credit on account of any unexpired term of existing insurance in the amount that would be required if the insurance were terminated ; and(d) the charge does not exceed the amount permitted by this article .(2) A creditor may not contract for or receive a separate charge for insurance which duplicates insurance with respect to which the creditor has previously contracted for or received a separate charge.Amended by L. 2024, ch. 6,§ 89, eff. 1/1/2025.L. 1973, ch. 85, § 70; L. 1993, ch. 200, § 13; 1/1/1994.