WV HB3162

Expands the definition of "consumer" under the West Virginia Consumer Credit and Protection Act to include duly appointed personal representatives of a deceased person's estate who was obligated or allegedly obligated to pay a debt

Clarifies that violations of Chapter 46A (Consumer Credit and Protection Act) are causes of action that survive the death of either the person entitled to recover damages or the person liable for the violation

Excludes licensed West Virginia attorneys from the definition of "debt collector" when they handle claims and collections through their law firm rather than operating a collection agency managed by a non-attorney

Allows personal representatives to continue or initiate consumer protection lawsuits on behalf of deceased consumers, subject to existing statutes of limitations

Effective date is July 11, 2025 (90 days after passage on April 12, 2025)