Consumer Law in Virginia

CHAPTER 1: VIRGINIA CONSUMER LAW

1.1 INTRODUCTION
1.101 Consumer Credit Transactions 
1.102 Consumer Protection 
1.103 Recodification 
1.104 General

1.2 REGULATION OF INTEREST RATES AND OTHER
CHARGES 
1.201 Interest Rates—General 
1.202 Charges by Financial Institutions 
1.203 Charges by Certain Other Lenders 
1.204 Transactions Subject to Special Rules 
1.205 Open-End Credit Transactions 
1.206 Sales Finance 
1.207 Penalties for Usury

1.3 VIRGINIA LAWS RELATING TO MORTGAGE LOANS
1.301 Permitted Charges on Mortgage Loans 
1.302 Other Code Sections Applicable to Real Estate Loans 
1.303 Mortgage Lenders and Mortgage Brokers 
1.304 Bureau of Financial Institutions’ Regulations
Applicable to Licensees Under Chapter 16 of Title 6.2 
1.305 Requirements of the Bureau’s Administrative Rulings
Applicable to Licensees Under Chapter 16 of Title 6.2 
1.306 Other Miscellaneous Laws Relating to Various Types
of Real Estate Transactions 

1.4 REQUIREMENTS OF CHAPTER 15 OF TITLE 6.2,
“CONSUMER FINANCE COMPANIES” 
1.401 General Rule 
1.402 Access Partners 
1.403 Exemptions 
1.404 Evasions 
1.405 Permitted Charges 
1.406 Conduct of Business Generally 
 1.407 Administration and Supervision by the State
Corporation Commission 
1.408 Penalties 

1.5 MISCELLANEOUS LAWS RELATING TO CONSUMER
CREDIT TRANSACTIONS AND CONSUMER PROTECTION
1.501 Sales Finance and Trade Practices 
1.502 Motor Vehicles 
1.503 Telephones 

1.6 PRIVACY 
1.601 Use of Social Security Number 
1.602 Fingerprinting 
1.603 Identity Fraud 
1.604 Identity Theft 
1.605 Personal Information Privacy Act 
1.606 Insurance 
1.607 Security Freezes 
1.608 Telephone Privacy Protection Act 

1.7 ELECTRONIC COMMERCE 
1.701 Uniform Computer Information Transactions Act
(UCITA) 
1.702 Uniform Electronic Transactions Act (UETA)
1.703 Unsolicited Commercial or Electronic Mail 
1.704 Unsolicited Facsimile Transmissions 
1.705 Online Option to Cancel Recurring Purchase 
 

CHAPTER 2: FEDERAL CONSUMER LAW

2.1 INTRODUCTION 
2.101 In General
2.102 Resources 

2.2 TRUTH IN LENDING ACT 
2.201 In General
2.202 Recent Developments 

2.3 EQUAL CREDIT OPPORTUNITY ACT 
2.301 In General
2.302 Regulation B 
 

2.4 FAIR CREDIT REPORTING ACT 
2.401 In General 
2.402 Federal Rulemaking 
2.403 Resources 

2.5 REAL ESTATE SETTLEMENT PROCEDURES ACT 
2.501 In General 
2.502 Recent Developments 

2.6 FAIR DEBT COLLECTION PRACTICES ACT 

2.7 ELECTRONIC FUND TRANSFER ACT 

2.8 INTERSTATE LAND SALES ACT 

2.9 FLOOD DISASTER PROTECTION 
2.901 In General 
2.902 Flood Insurance Requirements 

2.10 PRIVACY 
2.1001 In General 
2.1002 Requirements

2.11 MAGNUSON-MOSS WARRANTY FEDERAL TRADE
COMMISSION IMPROVEMENT ACT
2.1101 In General 
2.1102 Requirements

2.12 SAFE ACT 

2.13 TRUTH IN SAVINGS ACT 

2.14 FTC RULES 
2.1401 Used Motor Vehicle Rule
2.1402 Preservation of Consumer’s Claims and Defenses 
2.1403 Credit Practices Rule 
2.1404 Cooling-Off Period for Door-to-Door Sales 
2.1405 Other FTC Rules 

2.15 MISCELLANEOUS 
2.1501 Consumer Credit Protection Act
2.1502 Federal Fair Lending Laws 
2.1503 Federal Preemption of State Usury Laws 
2.1504 Private Mortgage Insurance 
 2.1505 Home Mortgage Disclosure Act (HMDA) 
2.1506 Telemarketing, Telephoning, and Consumer Fraud
Abuse and Prevention 
2.1507 Consumer Credit Extensions to Service Members. 

TABLE OF AUTHORITIES

INDEX