Utah Code § 70C-4-105 : — UTAH CONSUMER CREDIT CODEOPEN-END CONSUMER CREDIT CONTRACT —4-105 - Class actions TEXT PDF (1) In accordance with this section, a creditor may contract with the debtor of an open-end consumer credit contract for a waiver by the debtor of the right to initiate or participate in a class action related to the open-end consumer credit contract. (2) To contract for the waiver described in Subsection (1), the creditor shall disclose the waiver: (a) to the debtor; (b) in the open-end consumer credit contract; and (c) for an open-end consumer credit contract entered into on or after August 1, 2006, in: (i) bold type; or (ii) all capital letters. Utah Code § 70C-4-105 Enacted by Chapter 172, 2006 General Session .