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.