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WV HB4651

Bill

Official Source

Status

Introduced

1/21/2026

Primary Sponsor

Joe Funkhouser

Click for details

Origin

House of Delegates

2026 Regular Session

AI Summary

  • Amends West Virginia Code §46A-2-128 to change requirements for collecting interest, fees, or charges on consumer debts
  • Changes the standard from requiring authorization by both the debt agreement and statute/regulation to requiring authorization by either the agreement or statute/regulation
  • Applies specifically to interest or incidental fees, charges, or expenses beyond the principal obligation amount
  • Maintains existing consumer protections including prohibitions on unfair collection practices, requirements for attorney representation notices, and disclosure requirements for time-barred debts

Legislative Description

Relating to unfair or unconscionable debt collection practices

Consumer Protection

Last Action

To House Courts

2/6/2026

Committee Referrals

Courts2/6/2026
Judiciary1/21/2026

Full Bill Text

No bill text available