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(a) As utilized in this area:
(1) “Open-end credit plan” has the meaning established in Regulation Z associated with Federal Reserve System ( 12 C.F.R. 226.2(a)(20) ).
(2) “ Installment loan ” means any loan specified in subdivision (h) extended under an installment loan function.
(3) “ Installment loan function ” means an attribute of a credit that is open-end which offers for an independent subaccount of this open-end credit plan pursuant to which the main of, and interest on, the mortgage related to that subaccount can be paid back in substantially equal installments more than a certain duration without reference to the total amount outstanding under any kind of function associated with the open-end credit plan and/or repayment routine with regards to the other function.
(b)(1) Except as otherwise supplied by statute, the debtor under any installment loan will probably be eligible to prepay the complete or any area of the installment loan, as well as any accrued interest, at any time.
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