a. General effectiveness. Except as otherwise provided in the Uniform Commercial Code, a security agreement is effective according to its terms between the parties, against purchasers of the collateral, and against creditors.
b. Applicable consumer laws and other law. A transaction subject to this title is subject to any applicable rule of law which establishes a different rule for consumers.
c. Other applicable law controls. In case of conflict between this title and a rule of law, statute, or regulation described in subsection (b), the rule of law, statute, or regulation controls. Failure to comply with a statute or regulation described in subsection (b) has only the effect the statute or regulation specifies.
d. Further deference to other applicable law. This title does not:
1. validate any rate, charge, agreement, or practice that violates a rule of law, statute, or regulation described in subsection (b); or
2. extend the application of the rule of law, statute, or regulation to a transaction not otherwise subject to it.