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Can you summarize WVCO Chapter 46A, Article 6I?
WEST VIRGINIA CONSUMER CREDIT AND PROTECTION ACT. > CONSUMER PROTECTIONS IN ELECTRONIC TRANSACTIONS.
Short Summary
The provided legal document content pertains to consumer protections in electronic transactions under the West Virginia Consumer Credit and Protection Act. It defines ‘consumer transaction’ as a transaction involving an individual primarily affecting personal, family, household, or agricultural purposes. It states that in a consumer transaction, when a consumer is required to provide notice to exercise or preserve their rights, they may do so using the same method by which they were provided with notice. It also clarifies that an electronic record is not considered sent or received if the sender has actual knowledge that the party did not receive it, and the sender’s obligation is to attempt redelivery using information in their files. The document further applies to transferable records in consumer transactions and states that if payment is made to a person indicated to be in control of a transferable record, the obligor is discharged to the extent of the payment. It emphasizes that the requirements of this article supplement, but do not modify, limit, or supersede the requirements of the federal Electronic Signatures in Global and National Commerce Act or article one of the chapter. It also specifies that the rules and requirements set out in this article cannot be changed by agreement of the parties in consumer transactions. Finally, it states that if any provision of this article is found unenforceable, the remaining provisions shall continue in full force and effect.
Whom does it apply to?
Individuals involved in consumer transactions
What does it govern?
Consumer protections in electronic transactions
What are exemptions?
No specific exemptions are mentioned
What are the Penalties?
No specific penalties are mentioned
Jurisdiction
West Virginia