Certain Lending Practices

  1. Law
  2. Code of Virginia
  3. Financial Institutions and Services
  4. Certain Lending Practices

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Section
6.2-400

Amount of late charge; when charge can be made

Section
6.2-401

Acceleration clause in note evidencing installment loan; effect of acceleration

Section
6.2-402

Notice of use of Rule of 78 rebate method

Section
6.2-403

The Rule of 78

Section
6.2-404

When use of Rule of 78 prohibited or permitted

Section
6.2-405

References to sections regulating rebates of unearned interest and prepayment penalties

Section
6.2-406

Disclosure of terms of mortgage application

Section
6.2-407

Lenders to furnish borrower with copy of appraisal

Section
6.2-408

Priority of interest on debts secured by mortgage or deed of trust

Section
6.2-409

Addition of unpaid interest to principal balance

Section
6.2-410

Borrowers not to be required to employ particular professionals

Section
6.2-411

Requirements relating to insurance

Section
6.2-412

Insurance coverage under certain loans not to exceed replacement value of improvements

Section
6.2-413

Obligation of lender to reimburse unused mortgage guaranty insurance premiums

Section
6.2-414

Obligation of person maintaining escrow account to pay taxes and insurance; penalties

Section
6.2-415

Lender not to cancel insurance policy at time of refinancing under certain circumstances

Section
6.2-416

Certain mortgages not to prohibit further encumbrance of real property

Section
6.2-417

Mortgage or deed of trust to contain notice that debt is subject to call or modification on conveyance of property

Section
6.2-418

Property owner entitled to written statement of payoff amount

Section
6.2-419

Disclosure of terms of assumption

Section
6.2-420

Prepayment penalty not to be collected in certain circumstances

Section
6.2-421

Certain contracts to permit prepayment; amount of prepayment penalty

Section
6.2-422

Prepayment penalty for loan secured by home occupied by borrower

Section
6.2-423

Prepayment of loans secured by certain subordinate mortgages or deeds of trust; rebates for unearned interest

Section
6.2-424

Definitions

Section
6.2-425

Cardholder not liable in absence of request for, consent to issuance of, or use of card

Section
6.2-426

When request, consent, or use not condition precedent to liability

Section
6.2-427

Costs and attorney fee in suit on card; evidence of request or consent

Section
6.2-428

Production of credit card number as condition of check cashing or acceptance prohibited

Section
6.2-429

Improper use of payment device numbers

Section
6.2-430

Place where transaction occurred; federal Fair Credit Billing Act

Section
6.2-431

Certain cards excepted

Section
6.2-432

Credit card account disclosures

Section
6.2-433

Amendment to open-end credit contract or plan by bank or savings institution

Section
6.2-434

Law governing open-end credit contract or plan by bank or savings institution

Section
6.2-435

Law governing open-end credit contract or plan by seller or lender

Section
6.2-436

Compliance with federal law

Section
6.2-437

Right of buyer of consumer goods to refinance certain payments; agreements as to fluctuation in schedule of payments