Consumer Finance Loans; Prohibits person from operating branch of business making consumer finance loans before authorized to do so & obtaining license from OFR; revises maximum interest rate on consumer finance loans; revises minimum amount of time before which delinquency charge for each payment in default may be imposed; requires licensees offering assistance program to borrowers after federally declared major disaster to send notice to office; requires licensees to file annual reports; requires licensees to suspend specified actions for after federally declared disaster.