PROFESSIONALS: Interpretive Rulings Index

 

CHAPTER 31. CORPORATIONS

ARTICLE 17. SECONDARY MORTGAGE LOANS

CHAPTER 31A. BANKS AND BANKING

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

ARTICLE 4. BANKING INSTITUTIONS AND SERVICES GENERALLY

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

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.doc .  

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

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

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.doc

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

CHAPTER 46A. WEST VIRGINIA CONSUMER CREDIT AND PROTECTION ACT

ARTICLE 1. SHORT TITLE, DEFINITIONS AND GENERAL PROVISIONS

46A-1-102. General definitions.10.doc; 11.doc; 12.doc; 13.doc; 14.doc; 15.doc

ARTICLE 2. CONSUMER CREDIT PROTECTION

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

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.doc;  14.doc

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

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

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

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

46A-3-114. Deferral charges.10.doc

ARTICLE 4. REGULATED CONSUMER LENDERS

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

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

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

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

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

ARTICLE 6F TELEMARKETING

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

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

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

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.doc

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.doc

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

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.doc; 14.doc