reglab/housing_qa huggingface dataset:
VA Code § 6.2-429 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 4 - Certain Lending Practices|§ 6.2-429. Improper use of payment device numbers

A. No person that accepts payment devices for any purpose shall print on any receipt provided to the holder of the payment device (i) more than the last four digits of the payment device number or (ii) the expiration date.B. For transactions in which the sole means of recording the person's payment device number is by handwriting or by an imprint or copy of the payment device, no receipt, other than the one original, shall display the information prohibited in subsection A. Returning all copies, including carbons, that do not comply with this section, to the payment device holder or authorized user or destroying such copies and carbons in front of the payment device holder or authorized user shall constitute compliance with this section.C. The provisions of this section shall apply to all cash registers or other machines or devices that electronically print receipts for payment device transactions that are placed in service on or after July 1, 2003.D. For all cash registers or other machines or devices that electronically print receipts for payment device transactions in service prior to July 1, 2003, the provisions of this subsection shall not apply until July 1, 2005.E. Any person violating this section (i) shall be liable to the payment device holder and the issuer for any damages or expenses, or both, including attorney fees, that the payment device holder incurs due to the use of the payment device without the permission of the payment device holder and (ii) may be compelled, in a proceeding instituted in any appropriate court by the attorney for the Commonwealth, to comply with this section by injunction, mandamus, or other appropriate remedy. Without limiting the remedies authorized by this section in a proceeding instituted by the attorney for the Commonwealth, any person failing, neglecting, or refusing to obey any injunction, mandamus, or other remedy obtained pursuant to this section, shall be subject, in the discretion of the court, to a civil penalty not to exceed $1,000 for each violation.2002, c. 744, § 11-33.2; 2004, c. 793; 2009, c. 373; 2010, c. 794.
VA Code § 6.2-430 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 4 - Certain Lending Practices|§ 6.2-430. Place where transaction occurred; federal Fair Credit Billing Act

Solely for the purpose of a buyer asserting claims and defenses pursuant to 15 U.S.C. § 1666i, a transaction shall be presumed to have occurred at the mailing address most recently provided by the cardholder to the card issuer, without regard to the location where the last act necessary for the formation of the contract between the cardholder and the party honoring the card took place.2004, c. 373, § 11-33.3; 2010, c. 794.
VA Code § 6.2-431 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 4 - Certain Lending Practices|§ 6.2-431. Certain cards excepted

Except as set forth in § 6.2-428, the provisions of §§ 6.2-424 through 6.2-430 shall not apply to any credit card issued by any telephone company that is subject to supervision or regulation by the Commission.1970, c. 324, § 11-34; 1990, c. 587; 2010, c. 794.
VA Code § 6.2-432 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 4 - Certain Lending Practices|§ 6.2-432. Credit card account disclosures

Any application form or preapproved written solicitation for an open-end credit card account to be used for personal, family, or household purposes that is mailed to a consumer residing in the Commonwealth by or on behalf of a creditor, whether or not the creditor is located in the Commonwealth, other than an application form or solicitation included in a magazine, newspaper, or other publication distributed by someone other than the creditor, shall contain or be accompanied by a disclosure that satisfies the initial disclosure requirements of Consumer Financial Protection Bureau Regulation Z (12 C.F.R. Part 1026).1987, cc. 622, 639, 714, §§ 6.1-330.63, 6.1-330.78; 1992, Sp. Sess., c. 4; 1997, c. 112; 2005, c. 670; 2009, cc. 784, 860; 2010, c. 794; 2016, c. 501.
VA Code § 6.2-434 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 4 - Certain Lending Practices|§ 6.2-434. Law governing open-end credit contract or plan by bank or savings institution

An open-end credit plan, as defined in § 6.2-300, between a bank or savings institution and an obligor, or any plan which permits an obligor to avail himself of the credit so established, shall be governed solely by federal law, and by the laws of the Commonwealth, unless otherwise expressly agreed in writing by the parties.1987, cc. 622, 639, 714, § 6.1-330.63; 1992, Sp. Sess., c. 4; 1997, c. 112; 2005, c. 670; 2010, c. 794.
VA Code § 6.2-435 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 4 - Certain Lending Practices|§ 6.2-435. Law governing open-end credit contract or plan by seller or lender

An open-end credit plan as defined in § 6.2-300, between a seller or lender and an obligor shall be governed solely by federal law and by the laws of the Commonwealth.1987, cc. 622, 639, 714, § 6.1-330.78; 1992, Sp. Sess., c. 4; 1997, c. 112; 2009, cc. 784, 860; 2010, c. 794; 2020, cc. 1215, 1258.
VA Code § 6.2-436 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 4 - Certain Lending Practices|§ 6.2-436. Compliance with federal law

Every person subject to the provisions of 15 U.S.C. § 1601 et seq. and Consumer Financial Protection Bureau Regulation Z (12 C.F.R. Part 1026) shall comply with such statutes and regulations when offering or extending consumer credit as defined therein. A lender who fails to comply with this section shall not be subject to any liability or penalty beyond those imposed by such federal statutes and regulations.1987, c. 622, § 6.1-330.79; 2010, c. 794; 2016, c. 501.
VA Code § 6.2-437 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 4 - Certain Lending Practices|§ 6.2-437. Right of buyer of consumer goods to refinance certain payments; agreements as to fluctuation in schedule of payments

A. In any sales transaction, except one pursuant to an open-end account, involving exclusively consumer goods as defined in subdivision (a) (23) of § 8.9A-102 in which credit is extended and a security interest in consumer goods is taken, any installment payment, other than a down payment made prior to or contemporaneously with the execution of an agreement evidencing the transaction, that is more than 10 percent greater than the regular or recurring installment payments, shall be subject to the buyer's right to refinance such a payment on the basis of an extended period of time. Such additional payments shall be in amounts that shall allow the unpaid balance to be paid in as few periodic payments, not more than 10 percent greater than the regularly scheduled installment payments, as are required to pay such balance. Such additional payments shall be considered and treated as part of the original transaction.B. The parties may agree in a separate writing that one or more payments or the intervals between one or more payments shall be reduced or expanded in accordance with the desires or needs of the buyer, if such fluctuations in the schedule of payments are expressly arranged to coincide with the anticipated fluctuations in the buyer's capability to make such payments.C. No seller who has refused to refinance in compliance with the provisions of this section shall be entitled (i) to the return or repossession of the goods involved in the transaction or (ii) to a judgment for the unpaid balance involved in the transaction at the time of his failure to do so.1987, c. 622, § 6.1-330.90; 2010, c. 794.
VA Code § 6.2-500 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 5 - Equal Credit Opportunities|§ 6.2-500. Definitions

As used in this chapter, unless the context requires a different meaning:"Adverse action" means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. The term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit."Applicant" means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding the previously established credit limit."Credit" means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment or to purchase property or services and defer payment therefor."Creditor" means any person who regularly extends, renews, or continues credit; any person who regularly arranges for the extension, renewal, or continuation of credit; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit.1975, c. 627, § 59.1-21.20; 1977, c. 589; 2010, c. 794.
VA Code § 6.2-501 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 5 - Equal Credit Opportunities|§ 6.2-501. Prohibited discrimination

A. As used in this section, "age" means being an individual who is at least 18 years of age.B. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction:1. On the basis of race, color, religion, national origin, sex, marital status, sexual orientation, gender identity, pregnancy, childbirth or related medical conditions, age, disability, or status as a veteran provided that the applicant has the capacity to contract; or2. Because all or part of the applicant's income derives from any public assistance or social services program.C. It shall not constitute discrimination for purposes of this chapter for a creditor:1. To make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditor's rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of creditworthiness;2. To make an inquiry of the applicant's age or of whether the applicant's income derives from any public assistance or social services program if such inquiry is for the purpose of determining the amount and probable continuance of income levels, credit history, or other pertinent element of creditworthiness as provided in regulations of the Commission;3. To use any empirically derived credit system which considers age if such system is demonstrably and statistically sound in accordance with regulations of the Commission, except that in the operation of such system the age of an elderly applicant may not be assigned a negative factor or value; or4. To make an inquiry or to consider the age of an elderly applicant when the age of such applicant is to be used by the creditor in the extension of credit in favor of such applicant.D. It is not a violation of this section for a creditor to refuse to extend credit offered pursuant to:1. Any credit assistance program expressly authorized by law for an economically disadvantaged class of persons;2. Any credit assistance program administered by a nonprofit organization for its members or an economically disadvantaged class of persons; or3. Any special purpose credit program offered by a profit-making organization to meet special social needs which meets standards prescribed in regulations by the Commission, if such refusal is required by or made pursuant to such program.1977, c. 589, § 59.1-21.21:1; 2002, c. 747; 2010, c. 794; 2020, cc. 1137, 1140.
VA Code § 6.2-502 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 5 - Equal Credit Opportunities|§ 6.2-502. Notification of action on credit application

Within 30 days, or such longer reasonable time as specified in regulations of the Commission for any class of credit transaction, after receipt of a completed application for credit, a creditor shall notify the applicant of its action on the application.1977, c. 589, § 59.1-21.21:1; 2002, c. 747; 2010, c. 794.
VA Code § 6.2-503 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 5 - Equal Credit Opportunities|§ 6.2-503. Statement of reasons for adverse action

A. Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for the action on the application from the creditor. A creditor shall satisfy this obligation by:1. Providing statement of reasons in writing as a matter of course to applicants against whom adverse action is taken; or2. Giving written notification of adverse action that discloses (i) the applicant's right to a statement of reasons within 30 days after receipt by the creditor of a request made within 60 days after such notification and (ii) the identity of the person or office from which such statement may be obtained. The statement may be given orally if the written notification advises the applicant of his right to have the statement of reasons confirmed in writing on written request.B. A statement of reasons meets the requirements of this section only if it contains the specific reasons for the adverse action taken.C. Where a creditor has been requested by a third party to make a specific extension of credit directly or indirectly to an applicant, the notification and statement of reasons required by this section may be made directly by such creditor, or indirectly through the third party, provided in either case that the identity of the creditor is disclosed.D. The requirements of subsections A, B, and C may be satisfied by oral statements or notifications in the case of any creditor who did not act on more than 150 applications during the calendar year preceding the calendar year in which the adverse action is taken, as determined under regulations of the Commission.1977, c. 589, § 59.1-21.21:1; 2002, c. 747; 2010, c. 794.
VA Code § 6.2-504 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 5 - Equal Credit Opportunities|§ 6.2-504. Requirement of signatures of both parties to a marriage not discriminatory in a secured transaction

For the purposes of a secured transaction, a request for the signature of both parties to a marriage for the purpose of creating a valid lien, passing clear title, waiving inchoate rights to property, or assigning earnings, shall not constitute discrimination under this chapter. This provision shall not be construed to permit a creditor to take sex or marital status into account in connection with the evaluation of creditworthiness of any applicant.1975, c. 627, § 59.1-21.22; 1977, c. 589; 2010, c. 794.
VA Code § 6.2-505 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 5 - Equal Credit Opportunities|§ 6.2-505. Remedies for violation

A. Any creditor who fails to comply with any requirement imposed under this chapter shall be liable to the aggrieved applicant in an amount equal to the sum of any actual damages sustained by such applicant.B. Any creditor, other than the federal or state government or any political subdivision or agency of such government, who fails to comply with any requirement imposed under this chapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than $10,000, as determined by the court, in addition to any actual damages provided in subsection A.C. Upon application by an aggrieved applicant, an appropriate court may grant such equitable and declaratory relief as is necessary to enforce the requirements imposed under this chapter.D. In the case of any successful action to enforce the foregoing liability, the costs of the action, together with the reasonable attorney fee as determined by the court, shall be added to any damages awarded by the court under the provisions of subsections A, B, and C.E. Any action under this chapter may be brought in an appropriate court within two years from the date of the occurrence of the violation.1975, c. 627, § 59.1-21.23; 1977, c. 589; 2010, c. 794.
VA Code § 6.2-506 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 5 - Equal Credit Opportunities|§ 6.2-506. Commission regulations

The Commission shall adopt regulations to effectuate the purposes of this chapter provided that such regulations conform to and are no broader in scope than regulations, and amendments thereto, adopted by the Consumer Financial Protection Bureau under the federal Equal Credit Opportunity Act (15 U.S.C. § 1691 et seq.). Such conforming regulations shall exempt from the coverage of this chapter any class of transactions which may be exempted from time to time from the federal Equal Credit Opportunity Act (15 U.S.C. § 1691 et seq.), by regulations of the Consumer Financial Protection Bureau.1975, c. 627, § 59.1-21.24; 1977, c. 589; 2010, c. 794; 2016, c. 501.
VA Code § 6.2-507 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 5 - Equal Credit Opportunities|§ 6.2-507. Limitation on liability

No provision of this chapter imposing any liability shall apply to any act done or omitted in good faith in conformity with any rule, regulation, or interpretation thereof by the Commission or by the Consumer Financial Protection Bureau or officer or employee duly authorized by the Bureau to issue such interpretation or approvals under the comparable provisions of the federal Equal Credit Opportunity Act, (15 U.S.C. § 1691 et seq.), and regulations thereunder, notwithstanding that after such act or omission has occurred, such rule, regulation, or interpretation is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.1975, c. 627, § 59.1-21.24; 1977, c. 589; 2010, c. 794; 2016, c. 501.
VA Code § 6.2-508 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 5 - Equal Credit Opportunities|§ 6.2-508. Compliance with Equal Credit Opportunity Act constitutes compliance with chapter

Compliance with the federal Equal Credit Opportunity Act, (15 U.S.C. § 1691 et seq.), as amended, and regulations issued by the Consumer Financial Protection Bureau thereunder, constitutes compliance with this chapter.1975, c. 627, § 59.1-21.24; 1977, c. 589; 2010, c. 794; 2016, c. 501.
VA Code § 6.2-509 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 5 - Equal Credit Opportunities|§ 6.2-509. Public to be informed of rights under chapter

The Commission shall use any methods available to it to inform the public of the rights created by this chapter. Notice given pursuant to the federal Equal Credit Opportunity Act, (15 U.S.C. § 1691 et seq.), and regulations promulgated thereto, shall satisfy the requirements of this section.1977, c. 589, § 59.1-21.25; 2010, c. 794.
VA Code § 6.2-510 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 5 - Equal Credit Opportunities|§ 6.2-510. Commission to investigate complaints; records to be open to public

The Commission shall receive, investigate, and mediate complaints of violations of this chapter and shall keep all records pertaining to such complaints, investigations, and mediations open to the public. Nothing in this section shall toll the operation of subsection E of § 6.2-505.1977, c. 589, § 59.1-21.26; 2010, c. 794.
VA Code § 6.2-511 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 5 - Equal Credit Opportunities|§ 6.2-511. Credit standards discoverable

Nothing in this chapter shall be construed to prohibit the discovery of a creditor's standards for granting credit, which discovery shall be under appropriate discovery procedures in the court in which an action is brought.1977, c. 589, § 59.1-21.27; 2010, c. 794.
VA Code § 6.2-512 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 5 - Equal Credit Opportunities|§ 6.2-512. Election of remedies

Where the same act or omission constitutes a violation of this chapter and of applicable federal law, a person aggrieved by such conduct may bring a legal action to recover monetary damages either under this chapter or under federal law, but not both. This election of remedies shall not apply to court actions in which the relief sought does not include monetary damages or to administrative actions.1977, c. 589, § 59.1-21.28; 2010, c. 794.
VA Code § 6.2-513 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 5 - Equal Credit Opportunities|§ 6.2-513. Authority of Attorney General

Notwithstanding any other provisions of the law to the contrary, the Attorney General may investigate and bring an action in the name of the Commonwealth to enjoin any violation of this chapter.1970, c. 780, § 59.1-68.2; 1973, c. 537; 1975, c. 43; 1984, c. 582; 2010, c. 794.
VA Code § 6.2-601 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 6 - Deposits and Accounts|§ 6.2-601. Federal insurance of deposits required for all banks or savings institutions

Notwithstanding any other provisions contained in this title, no bank or savings institution doing business in the Commonwealth shall accept deposits unless its deposit accounts are insured by the Federal Deposit Insurance Corporation or other federal insurance agency, up to the limits of the insurance provided thereby. No bank or savings institution shall solicit deposits in the Commonwealth, nor shall any other person solicit or accept deposits in the Commonwealth on behalf of a bank or savings institution, unless the deposit accounts of such bank or savings institution are insured by the Federal Deposit Insurance Corporation or other federal insurance agency, up to the limits of the insurance provided thereby.1986, c. 500, § 6.1-2.9:4; 1990, c. 3; 1996, c. 16; 2010, c. 794.
VA Code § 6.2-602 (2021)
2021 Code of Virginia|Title 6.2 - Financial Institutions and Services|Chapter 6 - Deposits and Accounts|§ 6.2-602. Adverse claims to accounts

A. Notice to any financial institution doing business in the Commonwealth of an adverse claim to funds in an account with such institution shall not require the institution to recognize the adverse claim unless the adverse claimant shall either:1. Procure a restraining order, injunction, or other appropriate order against the financial institution from an appropriate court; or2. Execute to such financial institution, in form and with sureties acceptable to it, a bond indemnifying the institution from any and all liability, loss, damage, costs, and expenses, for and on account of the payment or recognition of such adverse claim, or the dishonor of, or failure to pay, any check, or failure to comply with any other order, of the person to whose credit the account is held.B. This section shall not affect the provisions of Article 2 (§ 6.2-604 et seq.) of this chapter governing multiple-party accounts, and any claim by a party to such account shall be determined in accordance with the provisions therein.C. This section shall not affect any notice of lien pursuant to § 8.01-502, any order of an appropriate court, or the issuance of a notice or other action issued by a state or federal governmental agency.1996, c. 963, § 6.1-2.9:7; 2010, c. 794.