Regulated Consumer Lenders. | Midpage

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West Virginia Code

4

Regulated Consumer Lenders.

46A-4-101Authority to make loans.46A-4-102License to make regulated consumer loans.46A-4-103Revocation, suspension or forfeiture of license.46A-4-104Records; annual reports.46A-4-105Examinations; assessments and investigations.46A-4-106Application of Administrative Procedures Act.46A-4-107Loan finance charge for regulated consumer lenders.46A-4-108Use of multiple loan agreements.46A-4-109Restrictions 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-4-110Conduct of business other than making loans.46A-4-110aProhibited conduct.46A-4-111Disclosure of higher annual percentage rate upon refinancing of a loan not secured by real estate at higher rate; requiring documentation of a reasonable net tangible benefit to the borrower of any refinancing of a real estate secured loan.46A-4-112Code reference to supervised lenders and industrial loan companies; authority of the commissioner.46A-4-113Continuation of licensing.46A-4-114Permitting licensee to conduct business at remote location.