# MCL 445.1309

MCL 445.1309, “Optional method of computing finance charge”, is an MCL section of [1965 PA 332](https://ontology.bommaritollc.com/id/01a0d565-251f-767d-a2ee-27a1ce97c66e) (Home Improvement Finance Act); in force.

IRI: <https://ontology.bommaritollc.com/id/01a0d566-3c6e-7288-89f6-89991b6665b9>

Within: [1965 PA 332](https://ontology.bommaritollc.com/id/01a0d565-251f-767d-a2ee-27a1ce97c66e) › [1965 PA 332, Part 3](https://ontology.bommaritollc.com/id/01a0e4d7-fdae-720b-82c8-c92c5a12bc0e)

Type: [schema:Legislation](https://schema.org/Legislation)

- `adms:identifier`: [mcl-object mcl-445-1309](https://ontology.bommaritollc.com/id/01a0d566-3c6f-722f-b868-857cac57bbd5)
- `eli:cites`:
  - [MCL 445.1301](https://ontology.bommaritollc.com/id/01a0d566-3c64-7628-b348-2ad081ccfd7a)
  - [MCL 445.1203](https://ontology.bommaritollc.com/id/01a0d566-3c68-7218-a01a-59ca65fc9084)
  - [MCL 445.1303](https://ontology.bommaritollc.com/id/01a0d566-3c70-72e9-840c-ddea1b650ea0)
  - [MCL 445.1308](https://ontology.bommaritollc.com/id/01a0d566-3c74-7047-a8cf-b2e213965708)
- `prov:wasDerivedFrom`:
  - [evidence from https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-445-1309](https://ontology.bommaritollc.com/id/01a0d566-3c6e-7288-89f6-89982ab0d88b)
  - [evidence from https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-445-1309](https://ontology.bommaritollc.com/id/01a0e4d8-5ddc-7671-ab44-32350af21aff)
  - [evidence from https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-445-1309](https://ontology.bommaritollc.com/id/01a0e5ac-23fe-7100-8c89-72b27b724ee0)
- `schema:isPartOf`:
  - [1965 PA 332](https://ontology.bommaritollc.com/id/01a0d565-251f-767d-a2ee-27a1ce97c66e)
  - [1965 PA 332, Part 3](https://ontology.bommaritollc.com/id/01a0e4d7-fdae-720b-82c8-c92c5a12bc0e)
- `schema:legislationIdentifier`: MCL 445.1309
- `schema:legislationJurisdiction`: [Michigan](https://ontology.bommaritollc.com/id/01a0ca47-57ff-7219-9e2f-cdc1b39bd0fa)
- `schema:legislationLegalForce`: [schema:InForce](https://schema.org/InForce)
- `schema:legislationType`: [MCL section](https://ontology.bommaritollc.com/vocab/leg/mclSection)
- `schema:name`: Optional method of computing finance charge.
- `schema:url`: [https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-445-1309](https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-445-1309)
- `skos:prefLabel`: MCL 445.1309

## Elsewhere

- [Official page](https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-445-1309) (www.legislature.mi.gov)

## Pointing here

- Its changes, from (1; `eli:changes`):
  - [1978 PA 96](https://ontology.bommaritollc.com/id/01a0d565-5157-758c-b32c-2d375573629a)
- Its cites, from (1; `eli:cites`):
  - [MCL 445.1303](https://ontology.bommaritollc.com/id/01a0d566-3c70-72e9-840c-ddea1b650ea0)

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Cite as: MCL 445.1309. bc-ontology, release 0.1.0-rc15, 2026-09-28. https://ontology.bommaritollc.com/id/01a0d566-3c6e-7288-89f6-89991b6665b9
Release 0.1.0-rc15, graph hash 90961d0d6b29954f5f0257ebc2d1d12c6ce580def6a2f45cbf04d248aa879e72.