Mississippi Credit Availability Act; extend repealer and revise and create cap adjustment based on the CPI-U.

Increased maximum outstanding principal balance from $2,500 to $3,250 for credit availability accounts.

Established automatic annual adjustment of the maximum loan balance using the Consumer Price Index, rounded up to the nearest $10 increment.

Updated license fee structure with initial fee of $750 and annual renewal fee of $475, plus late penalties.

Added fingerprint requirements for background checks on owners and executives of licensed businesses.

Adjusted handling fee and origination fee structures based on transaction amounts, with different terms for loans under $500 versus over $500.

Extended the repeal date for reenacted sections from July 1, 2022 to July 1, 2030.

Set effective date of the act as July 1, 2025.

Added new definitions for 'Appropriate law enforcement agency' and 'Attorney General' to clarify enforcement roles.

Added provisions for civil penalties up to $500 per violation and forfeiture of bonds upon conviction.