West Virginia Code § 46A-5-103

Willful violations
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(1) A regulated consumer lender who willfully makes charges in excess of those permitted by
the provisions of article four of this chapter, pertaining to regulated consumer lenders, shall
be guilty of a misdemeanor and, upon conviction, shall be fined not more than $500, or
imprisoned not more than one year, or both fined and imprisoned.
(2) A person who willfully engages in the business of making regulated consumer loans
without a license in violation of the provisions of article four of this chapter applying to
authority to make regulated consumer loans shall be guilty of a misdemeanor and, upon
conviction, shall be fined not more than $5,000, or imprisoned nuot more than one year, or
both fined and imprisoned.
(3) A person who willfully engages in the business of making consumer credit sales or
consumer loans, or of taking assignments of rights against consumers arising therefrom and
undertakes direct collection of payments or enforcement of these rights, without complying
with the provisions of section one hundred fifteen, larticle seven of this chapter, concerning
notification, shall be guilty of a misdemeanor sand, upon conviction, shall be fined not more
than $100.
(4) Any person who willfully violatesg any of the provisions of sections one hundred twenty-
three through one hundred twenty-eight, inclusive, article two of this chapter, by committing
any of the specifically described and enumerated acts contained therein, shall be guilty of a
misdemeanor and, upon conviction thereof, shall be fined not more than $1,000, or
imprisoned in the county jail not more than one year, or both fined and imprisoned.

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