P-40.1 - Consumer Protection Act
74. In the case of a contract for the loan of money, the consumer avails himself of the right of cancellation
(a) by returning the net capital to the merchant or his representative, if he received it at the time at which each of the parties came into possession of a duplicate of the contract;
(b) by either returning the net capital or sending notice in writing for that purpose to the merchant or his representative, in all other cases.