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Interpretive Ruling Index


CHAPTER 31. CORPORATIONS


ARTICLE 17. SECONDARY MORTGAGE LOANS

31-17-2. License required for lender or broker; exemptions.1.pdf



CHAPTER 31A. BANKS AND BANKING

ARTICLE 2. DIVISION OF BANKING

31A-2-4. Jurisdiction of commissioner; powers, etc., of department transferred to commissioner; powers and duties of commissioner.2.pdf

31A-2-5. Certificate or license to engage in business; filing of amendments to charter, bylaws and foreign statutes.3.pdf

ARTICLE 4. BANKING INSTITUTIONS AND SERVICES GENERALLY

31A-4-2. Use of terms; unlawfully engaging in banking business; penalties; enforcement.4.pdf

31A-4-13. Powers of state banking institutions generally.5.pdf

31A-4-26. Limitation on loans and extensions of credit; limitation on investments; loans to executive officers and directors of banks and employees of the banking department; exceptions; valuation of securities.6.pdf .

ARTICLE 8. HEARINGS; ADMINISTRATIVE PROCEDURES; JUDICIAL REVIEW; UNLAWFUL ACTS; PENALTIES

31A-8-3. Certain practices by affiliates, officers, etc., of corporate financial institutions forbidden; penalties.7.pdf

31A-8-12b. Installation and operation of customer bank communication terminals permitted.8.pdf



CHAPTER 32A. LAND SALES; FALSE ADVERTISING; ISSUANCE AND SALE OF CHECKS, DRAFTS, MONEY ORDERS, ETC.

ARTICLE 2. CHECKS AND MONEY ORDER SALES, MONEY TRANSMISSION SERVICES, TRANSPORTATION AND CURRENCY EXCHANGE

32A-2-1. Definitions.9.pdf

32A-2-2. License required.9.pdf



CHAPTER 46A. WEST VIRGINIA CONSUMER CREDIT AND PROTECTION ACT

ARTICLE 1. SHORT TITLE, DEFINITIONS AND GENERAL PROVISIONS

46A-1-102. General definitions. 11.pdf; 12.pdf; 13.pdf; 14.pdf; 15.pdf


ARTICLE 2. CONSUMER CREDIT PROTECTION

46A-2-122. Definitions.16.pdf

46A-2-128. Unfair or unconscionable means.17.pdf


ARTICLE 3. FINANCE CHARGES AND RELATED PROVISIONS

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.17.pdf; 14.pdf

46A-3-109a. Collateral protection insurance.18.pdf

46A-3-110. Right to prepay.19.pdf

46A-3-111. Application of payments on account; rebate upon prepayment, refinancing or consolidation; judgments and interest on judgments.14.pdf

46A-3-113. Delinquency charges on nonprecomputed consumer credit sales or consumer loans repayable in installments.20.pdf ;21.pdf



ARTICLE 4. REGULATED CONSUMER LENDERS

46A-4-101. Authority to make loans.22.pdf

46A-4-104. Records; annual reports.23.pdf

46A-4-105. Examinations; assessments and investigations.23.pdf

46A-4-107. Loan finance charge for regulated consumer lenders.24.pdf ;14.pdf; 15.pdf

46A-4-110. Conduct of business other than making loans. 25.pdf; 26.pdf; 27.pdf; 28.pdf; 29.pdf; 30.pdf; 31.pdf; 32.pdf; 33.pdf; 34.pdf; 35.pdf; 36.pdf; 37.pdf; 38.pdf; 39.pdf; 40.pdf; 41.pdf; 42.pdf; 43.pdf; 44.pdf; 45.pdf; 22.pdf; 46.pdf; 47.pdf

46A-4-112. Code reference to supervised lenders and industrial loan companies; authority of the commissioner.14.pdf


ARTICLE 6F TELEMARKETING

46A-6F-104. Consumer goods or services.11.pdf

46A-6F-112. Telemarketing solicitation.11.pdf

46A-6F-209. Inapplicability of article to supervised financial organization.11.pdf; 12.pdf



CHAPTER 47. REGULATION OF TRADE

ARTICLE 6. MONEY AND INTEREST

47-6-5. Legal rate of interest; agreements in writing fixing rate of interest; agreements in writing fixing rate of interest for residential real estate purposes; providing there may be no penalty upon prepayment; quarterly reports required.14.pdf

47-6-5b. Legislative findings; fixing maximum interest rate on certain loans and forbearances of money secured by mortgages or deeds of trust upon real property; authorizing commissioner of banking to fix maximum interest rate on such loans and forbearances of money; prohibiting penalty upon prepayment and escalation of interest clause; quarterly reports required.14.pdf

47-6-5d. Rebate upon prepayment, refinancing, consolidation or otherwise; liability and penalties for excess charges.14.pdf; 15.pdf



CHAPTER 47A. WEST VIRGINIA LENDING AND CREDIT RATE BOARD

ARTICLE 1. LENDING AND CREDIT RATE BOARD

47A-1-1. Legislative findings; creation, membership, powers and duties of board; continuation.13.pdf; 14.pdf


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