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CHAPTER 46A. — WEST VIRGINIA CONSUMER CREDIT :: 2005 West Virginia Code :: West Virginia Code :: US Codes and Statutes :: US Law :: Justia
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2005 West Virginia Code - CHAPTER 46A. — WEST VIRGINIA CONSUMER CREDIT
CHAPTER 46A. — WEST VIRGINIA CONSUMER CREDIT
ARTICLE 1. — SHORT TITLE, DEFINITIONS AND GENERAL PROVISIONS.
§46A-1-101. — Short title.
§46A-1-102. — General definitions.
§46A-1-103. — Effect of chapter on powers of persons making consumer credit sales and consumer loans, and others; consumer protection generally.
§46A-1-104. — Application.
§46A-1-105. — Exclusions.
§46A-1-106. — Sales, leases or loans subject to chapter by agreement of parties.
§46A-1-107. — Waiver.
§46A-1-108. — Records retention methods.
ARTICLE 2. — CONSUMER CREDIT PROTECTION.
§46A-2-101. — Holders of negotiable instruments subject to claims and defenses. §46A-2-102. — Assignee subject to claims and defenses.
§46A-2-103. — Lender subject to claims and defenses arising from sales.
§46A-2-103a. — Lessor subject to claims and defenses arising from leases.
§46A-2-104. — Notice to cosigners.
§46A-2-105. — Balloon payments. §46A-2-106. — Notice of consumer's right to cure default; cure; acceleration.
§46A-2-107. — Security in sales or leases. §46A-2-108. — Cross-collateral. §46A-2-109. — Debt secured by cross-collateral. §46A-2-110. — Referral sales or leases. §46A-2-111. — Consumer leases; information to be furnished. §46A-2-112. — Restriction on liability in consumer lease. §46A-2-113. — Notice of assignment.
§46A-2-114. — Receipts; statements of account; evidence of payment.
§46A-2-115. — Limitation on default charges.
§46A-2-116. — Assignment of earnings.
§46A-2-117. — Authorization to confess judgment prohibited.
§46A-2-118. — No garnishment before judgment.
§46A-2-119. — Restrictions on deficiency judgments. §46A-2-119a. — Secured transaction; use of price guide value in calculating deficiency or surplus.
§46A-2-120. — Extortionate extensions of credit. §46A-2-121. — Unconscionability; inducement by unconscionable conduct.
§46A-2-122. — Definitions.
§46A-2-123. — Practice of law by debt collectors. §46A-2-124. — Threats or coercion. §46A-2-125. — Oppression and abuse. §46A-2-126. — Unreasonable publication. §46A-2-127. — Fraudulent, deceptive or misleading representations.
§46A-2-128. — Unfair or unconscionable means.
§46A-2-129. — Postal violations. §46A-2-129a. — Deceptive or oppressive telephone calls.
§46A-2-130. — Limitation on garnishment.
§46A-2-131. — No discharge or reprisal because of garnishment.
§46A-2-132. — Home solicitation; buyer's right to cancel; notice. §46A-2-133. — Form of agreement or offer to purchase; statement of buyer's rights. §46A-2-134. — Restoration of down payment. §46A-2-135. — Buyer's duty; seller's right; no compensation for certain services. §46A-2-136. — Personal property exemptions.
§46A-2-137. — Service of process on certain nonresidents.
§46A-2-138. — Buyer's right to cancel certain subscriptions and other obligations.
§46A-2-139. — Unlawful commercial facsimile transmission; right of action for injunction, damages.
ARTICLE 3. — FINANCE CHARGES AND RELATED PROVISIONS.
§46A-3-101. — Finance charges generally. §46A-3-102. — Sales finance charge for certain consumer credit sales of real estate. §46A-3-103. — Sales finance charge for revolving charge accounts other than certain sales of real estate. §46A-3-104. — Finance charge for loans other than loans made pursuant to revolving loan accounts; finance charge on assigned contracts; exceptions.
§46A-3-105. — Maximum rate on loans and credit sales guaranteed or insured by United States or agency thereof. §46A-3-106. — Loan finance charge for revolving loan accounts. §46A-3-107. — Sales finance charges and loan finance charges on refinancing. §46A-3-108. — Sales finance charges and loan finance charges on consolidation. §46A-3-109. — Additional charges; credit life or health insurance; notice of cancellation; when refund required; obligations of creditor and insurer; civil penalty; rules relating to insurance.
§46A-3-109a. — Collateral protection insurance.
§46A-3-110. — Right to prepay.
§46A-3-111. — Application of payments on account; rebate upon prepayment, refinancing or consolidation; judgments and interest on judgments.
§46A-3-112. — Delinquency charges on precomputed consumer credit sales or consumer loans.
§46A-3-113. — Delinquency charges on nonprecomputed consumer credit sales or consumer loans repayable in installments.
§46A-3-114. — Deferral charges. §46A-3-115. — Advances to perform covenants of consumer. §46A-3-116. — Change in terms of revolving charge accounts or revolving loan accounts.
§46A-3-117. — Alternative finance charges authorized. ARTICLE 4. — REGULATED CONSUMER LENDERS.
§46A-4-101. — Authority to make loans.
§46A-4-102. — License to make regulated consumer loans.
§46A-4-103. — Revocation, suspension or forfeiture of license.
§46A-4-104. — Records; annual reports.
§46A-4-105. — Examinations; assessments and investigations.
§46A-4-106. — Application of Administrative Procedures Act. §46A-4-107. — Loan finance charge for regulated consumer lenders.
§46A-4-108. — Use of multiple loan agreements.
§46A-4-109. — Restrictions on interest in land as security; assignment of earnings to regulated consumer lender prohibited; when security interest on household furniture goods not valid; prohibitions as to renegotiation of loan discharged in bankruptcy; limiting fees on real property loan refinancings; maximum points, fees and charges; overriding of federal limitations; limitations on lien documents prohibitions on residential mortgage loans; providing civil remedy.
§46A-4-110. — Conduct of business other than making loans.
§46A-4-110a. — Prohibited conduct.
§46A-4-111. — Substantial benefit upon refinancing of a loan at higher rate.
§46A-4-112. — Code reference to supervised lenders and industrial loan companies; authority of the commissioner.
§46A-4-113. — Continuation of licensing.
ARTICLE 5. — CIVIL LIABILITY AND CRIMINAL PENALTIES.
§46A-5-101. — Effect of violations on rights of parties; limitation of actions.
§46A-5-102. — Assertion of rights. §46A-5-103. — Willful violations.
§46A-5-104. — Attorney fees.
§46A-5-105. — Willful violations.
§46A-5-106. — Adjustment of damages for inflation.
ARTICLE 6. — GENERAL CONSUMER PROTECTION.
§46A-6-101. — Legislative declarations; statutory construction. §46A-6-102. — Definitions.
§46A-6-103. — Rules and regulations. §46A-6-104. — Unlawful acts or practices. §46A-6-105. — Exempted transactions. §46A-6-106. — Actions by consumers.
§46A-6-107. — Disclaimer of warranties and remedies prohibited. §46A-6-108. — Breach of warranty; privity abolished.
§46A-6-109. — The use of plain language in consumer transactions. §46A-6-110. — Solicitation or cashing of postdated checks; penalties.
ARTICLE 6A. — CONSUMER PROTECTION--NEW MOTOR VEHICLE WARRANTIES.
§46A-6A-1. — Legislative declarations. §46A-6A-2. — Definitions. §46A-6A-3. — Manufacturer's duty to repair or replace new motor vehicles. §46A-6A-3a. — Dealer's duty to disclose repairs to consumer.
§46A-6A-4. — Civil action by consumer. §46A-6A-5. — Presumption of reasonable number of attempts; extension of warranty term when repair services unavailable. §46A-6A-6. — Written statement to be provided to consumer. §46A-6A-7. — Resale of returned motor vehicle. §46A-6A-8. — Third party dispute resolution process; attorney general to promulgate rules and regulations. §46A-6A-9. — Other remedies available. ARTICLE 6B. — CONSUMER PROTECTION--AUTOMOTIVE CRASH PARTS.
§46A-6B-1. — Legislative declaration.
§46A-6B-2. — Definitions.
§46A-6B-3. — Genuine and aftermarket crash parts.
§46A-6B-4. — Notices and written statements to be provided to vehicle owner.
§46A-6B-5. — Other remedies available.
§46A-6B-6. — Violation of article an unfair method of competition or deceptive act or practice; penalty.
ARTICLE 6C. — CREDIT SERVICES ORGANIZATIONS.
§46A-6C-1. — Definitions.
§46A-6C-2. — Credit services organization.
§46A-6C-3. — Prohibited conduct.
§46A-6C-4. — Bond; surety account.
§46A-6C-5. — Registration.
§46A-6C-6. — Disclosure statement.
§46A-6C-7. — Form and terms of contract.
§46A-6C-8. — Waiver.
§46A-6C-9. — Action for damages.
§46A-6C-10. — Criminal penalty.
§46A-6C-11. — Burden of proving exemption.
§46A-6C-12. — Remedies cumulative.
ARTICLE 6D. — PRIZES AND GIFTS.
§46A-6D-1. — Short title.
§46A-6D-2. — Definitions.
§46A-6D-3. — Representation of having won a prize, gift or any item of value.
§46A-6D-4. — Representation of eligibility to win or to receive a prize, gift or item of value.
§46A-6D-5. — Representation of being specially selected.
§46A-6D-6. — Simulation of checks and invoices.
§46A-6D-7. — Conditions for handling charges and shipping charges.
§46A-6D-8. — Action to enforce the provisions of article.
§46A-6D-9. — Enforcement; penalties.
§46A-6D-10. — Exemptions.
ARTICLE 6E. — CONSUMER PROTECTION -- ASSISTIVE DEVICES.
§46A-6E-1. — Definitions.
§46A-6E-2. — Express warranty requirement; express warranty
§46A-6E-3. — Warranty remedies; procedures for obtaining remedies.
§46A-6E-4. — Lease enforcement.
§46A-6E-5. — Disclosure upon further sale or lease.
§46A-6E-6. — Arbitration.
§46A-6E-7. — Limitations; waiver of rights; action for damages; punitive damages.
ARTICLE 6F. — TELEMARKETING.
§46A-6F-101. — Applicability of definitions.
§46A-6F-102. — Chance promotion.
§46A-6F-103. — Consumer; purchaser.
§46A-6F-104. — Consumer goods or services.
§46A-6F-105. — Division.
§46A-6F-106. — Individual.
§46A-6F-107. — Investment opportunity.
§46A-6F-108. — Material aspect or element.
§46A-6F-109. — Person.
§46A-6F-110. — Prize, gift or award.
§46A-6F-111. — Prize promotion.
§46A-6F-112. — Telemarketing solicitation.
§46A-6F-113. — Telemarketer.
§46A-6F-114. — Telemarketer in good standing.
§46A-6F-201. — Inapplicability of registration and bonding provisions of this article to charitable organizations.
§46A-6F-202. — Inapplicability of article to licensed securities, commodities, or investment broker, dealer, or investment adviser.
§46A-6F-203. — Inapplicability of article to licensed associated person of a securities, commodities, or investment broker, dealer, or investment adviser.
§46A-6F-204. — Inapplicability of article to person who does not make the major sales presentation.
§46A-6F-205. — Inapplicability of article to person who solicits sales by catalog.
§46A-6F-206. — Inapplicability of article to business-to-business sale.
§46A-6F-207. — Inapplicability of article to person who solicits contracts for the maintenance or repair of goods.
§46A-6F-208. — Inapplicability of article to person soliciting a transaction regulated by the commodity futures trading commission.
§46A-6F-209. — Inapplicability of article to supervised financial organization.
§46A-6F-210. — Inapplicability of article to licensed insurance broker, agent, customer representative, or solicitor.
§46A-6F-211. — Inapplicability of article to person soliciting the sale of services provided by a cable television system.
§46A-6F-212. — Inapplicability of article to certain telephone and communications companies.
§46A-6F-213. — Inapplicability of article to persons maintaining continuing business locations for sales of consumer goods or services.
§46A-6F-214. — Inapplicability of article to issuer of certain securities.
§46A-6F-215. — Inapplicability of article to book, video, record, or multimedia club.
§46A-6F-216. — Inapplicability of article to registered developer or a real estate salesperson or broker.
§46A-6F-217. — Inapplicability of article to person soliciting the sale of electric or natural gas energy or related goods or services.
§46A-6F-218. — Inapplicability of article to person soliciting the sale of a magazine or newspaper.
§46A-6F-219. — Inapplicability of article to certain telemarketers based on continuous sales and gross sales for exempt persons.
§46A-6F-220. — Inapplicability of article to the annual sale of less than one hundred dollars for food stuffs and edibles.
§46A-6F-301. — Registration of telemarketers.
§46A-6F-302. — Security requirement.
§46A-6F-303. — Failure to register or meet security requirement; remedies.
§46A-6F-304. — Record keeping requirements.
§46A-6F-401. — Mandatory disclosures.
§46A-6F-402. — Accepting returns or canceling services.
§46A-6F-501. — Unfair or deceptive acts or practices.
§46A-6F-502. — Causes of action arising out of unfair or deceptive acts or practices; limitation of actions.
§46A-6F-503. — Operating a criminal recovery service; penalties.
§46A-6F-601. — Abusive acts or practices.
§46A-6F-701. — Civil remedies.
§46A-6F-702. — Remedies not exclusive.
§46A-6F-703. — Service of process on certain nonresidents.
ARTICLE 6G. — ELECTRONIC MAIL PROTECTION ACT.
§46A-6G-1. — Definitions.
§46A-6G-2. — Limitations on unauthorized electronic mail.
§46A-6G-3. — Interactive computer service authority; liability.
§46A-6G-4. — Sale or possession of enabling software prohibited.
§46A-6G-5. — Violations; right of action for injunction, damages.
ARTICLE 6H. — TRANSFERS OF RIGHT TO RECEIVE FUTURE PAYMENTS.
§46A-6H-1. — Definitions.
46A-6H-2. — Disclosure requirements prior to transfer.
§46A-6H-3. — Requirement of court approval for certain structured settlement transfers.
§46A-6H-4. — Prohibiting transfer agreements of workers'
§46A-6H-5. — Right of recision.
46A-6H-6. — Remedies; effective date; nonwaiver.
46A-6H-7. — Protection from liability to consumer.
§46A-6H-8. — Registration with the secretary of state.
ARTICLE 6I. — CONSUMER PROTECTIONS IN ELECTRONIC TRANSACTIONS.
§46A-6I-1. — Definitions.
§46A-6I-2. — Electronic response to electronic notices.
§46A-6I-3. — Receipt of electronic record.
§46A-6I-4. — Electronic transferable records.
§46A-6I-5. — Relationship with federal and state law.
§46A-6I-6. — Waiver.
§46A-6I-7. — Severability.
ARTICLE 6J. — PROTECTION OF CONSUMERS FROM PRICE GOUGING AND UNFAIR PRICING PRACTICES DURING AND SHORTLY AFTER A STATE OF EMERGENCY.
§46A-6J-1. — Emergencies and natural disasters - Taking unfair advantage of consumers.
§46A-6J-2. — Definitions.
§46A-6J-3. — Prohibited unfair pricing practices.
§46A-6J-4. — Notification by the secretary of state; registry.
§46A-6J-5. — Penalties, remedies and enforcement.
§46A-6J-6. — Preemption.
ARTICLE 6K. — GOOD FUNDS SETTLEMENT ACT.
§46A-6K-1. — Applicability.
§46A-6K-2. — Definitions.
§46A-6K-3. — Duty of lender.
§46A-6K-4. — Validity of loan documents.
§46A-6K-5. — Penalty.
ARTICLE 7. — ADMINISTRATION.
§46A-7-101. — Division of consumer protection created; purpose. §46A-7-102. — Power of attorney general; reliance on rules of attorney general or commissioner of banking; duty to report.
§46A-7-103. — Division of administrative powers; investigation and administration.
§46A-7-104. — Investigatory powers. §46A-7-105. — Application of Administrative Procedures Act. §46A-7-106. — Administrative enforcement orders; judicial review. §46A-7-107. — Assurance of discontinuance. §46A-7-108. — Injunctions against violations of chapter. §46A-7-109. — Injunctions against unconscionable agreements and fraudulent or unconscionable conduct.
§46A-7-110. — Temporary relief. §46A-7-111. — Civil actions by attorney general.
§46A-7-112. — Jury trial. §46A-7-113. — Consumer's remedies not affected. §46A-7-114. — Venue. §46A-7-115. — Notification.
§46A-7-116. — Repealed.
ARTICLE 8. — OPERATIVE DATE AND PROVISIONS FOR TRANSITION.
§46A-8-101. — Time of becoming operative; provisions for transition; enforceability of prior transactions.
§46A-8-102. — Severability. Disclaimer: These codes may not be the most recent version. West Virginia may have more current or accurate information. We make no warranties or guarantees about the accuracy, completeness, or adequacy of the information contained on this site or the information linked to on the state site. Please check official sources.	Justiaon