§12A-9-201.

§12A-9-201.
   
   Except as otherwise provided by this act a security agreement is
   effective according to its terms between the parties, against
   purchasers of the collateral and against creditors. Nothing in this
   article validates any charge or practice illegal under any statute or
   regulation thereunder governing usury, small loans, retail installment
   sales, or the like, or extends the application of any such statute or
   regulation to any transaction not otherwise subject thereto.