{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/59.1-335.10.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/59.1-335.10.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/59.1-335.10.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/59.1-335.10.html"}],"law_id":72344,"edition_id":1,"section_id":72344,"structure_id":14892,"section_number":"59.1-335.10","catch_line":"Liability to consumer","history":"1989, cc. 651, 655.","full_text":"A\n\nAny credit services business which willfully fails to comply with any requirement imposed under this chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of:1\n\nAny actual damages sustained by the consumer as a result of the failure; and2\n\nSuch amount of punitive damages as the court may allow.B\n\nAny credit services business which is negligent in failing to comply with any requirement imposed under this chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.","order_by":null,"text":{"0":{"id":260586,"text":"Any credit services business which willfully fails to comply with any requirement imposed under this chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of:","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"A1"},"1":{"id":260587,"text":"Any actual damages sustained by the consumer as a result of the failure; and","type":"section","prefixes":["A","1"],"prefix":"1","entire_prefix":"A1","prefix_anchor":"A1","level":2,"prior_prefix":"A","next_prefix":"A2"},"2":{"id":260588,"text":"Such amount of punitive damages as the court may allow.","type":"section","prefixes":["A","2"],"prefix":"2","entire_prefix":"A2","prefix_anchor":"A2","level":2,"prior_prefix":"A1","next_prefix":"B"},"3":{"id":260589,"text":"Any credit services business which is negligent in failing to comply with any requirement imposed under this chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A2"}},"ancestry":[{"id":14892,"edition_id":1,"name":"Virginia Credit Services Businesses Act","identifier":"25.1","label":"chapter","depth":2,"order_by":1,"parent_id":12809,"metadata":{},"date_created":"2026-06-26 03:50:37","date_modified":"2026-06-26 03:50:37","permalink":{"id":260865,"object_type":"structure","relational_id":14892,"identifier":"25.1","token":"59.1\/25.1","url":"\/59.1\/25.1\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12809,"edition_id":1,"name":"Trade and Commerce","identifier":"59.1","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:54","date_modified":"2026-06-26 03:43:54","permalink":{"id":259521,"object_type":"structure","relational_id":12809,"identifier":"59.1","token":"59.1","url":"\/59.1\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":75984,"structure_id":14892,"section_number":"59.1-335.1","catch_line":"Title","url":"\/59.1-335.1\/","token":"59.1\/25.1\/59.1-335.1","metadata":false},{"id":72344,"structure_id":14892,"section_number":"59.1-335.10","catch_line":"Liability to consumer","url":"\/59.1-335.10\/","token":"59.1\/25.1\/59.1-335.10","metadata":false},{"id":81308,"structure_id":14892,"section_number":"59.1-335.11","catch_line":"Statute of limitations","url":"\/59.1-335.11\/","token":"59.1\/25.1\/59.1-335.11","metadata":false},{"id":72551,"structure_id":14892,"section_number":"59.1-335.12","catch_line":"Violations of chapter; enforcement","url":"\/59.1-335.12\/","token":"59.1\/25.1\/59.1-335.12","metadata":false},{"id":73880,"structure_id":14892,"section_number":"59.1-335.2","catch_line":"Definitions","url":"\/59.1-335.2\/","token":"59.1\/25.1\/59.1-335.2","metadata":false},{"id":63390,"structure_id":14892,"section_number":"59.1-335.3","catch_line":"Registration; fees","url":"\/59.1-335.3\/","token":"59.1\/25.1\/59.1-335.3","metadata":false},{"id":56862,"structure_id":14892,"section_number":"59.1-335.4","catch_line":"Bond or letter of credit required","url":"\/59.1-335.4\/","token":"59.1\/25.1\/59.1-335.4","metadata":false},{"id":62805,"structure_id":14892,"section_number":"59.1-335.5","catch_line":"Prohibited practices","url":"\/59.1-335.5\/","token":"59.1\/25.1\/59.1-335.5","metadata":false},{"id":79483,"structure_id":14892,"section_number":"59.1-335.6","catch_line":"Information statement required","url":"\/59.1-335.6\/","token":"59.1\/25.1\/59.1-335.6","metadata":false},{"id":60837,"structure_id":14892,"section_number":"59.1-335.7","catch_line":"Contents of information statement","url":"\/59.1-335.7\/","token":"59.1\/25.1\/59.1-335.7","metadata":false},{"id":77844,"structure_id":14892,"section_number":"59.1-335.8","catch_line":"Contents of contracts","url":"\/59.1-335.8\/","token":"59.1\/25.1\/59.1-335.8","metadata":false},{"id":84563,"structure_id":14892,"section_number":"59.1-335.9","catch_line":"Breach; null and void contract","url":"\/59.1-335.9\/","token":"59.1\/25.1\/59.1-335.9","metadata":false}],"previous_section":{"id":75984,"structure_id":14892,"section_number":"59.1-335.1","catch_line":"Title","url":"\/59.1-335.1\/","token":"59.1\/25.1\/59.1-335.1","metadata":false},"next_section":{"id":81308,"structure_id":14892,"section_number":"59.1-335.11","catch_line":"Statute of limitations","url":"\/59.1-335.11\/","token":"59.1\/25.1\/59.1-335.11","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/59.1-335.10\/","history_text":"<p>This law was first created in 1989. The record of its establishment is cataloged in chapters 651 and 655 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1989 \u201cActs\u201d aren\u2019t available online.<\/p>","references":[{"id":56862,"section_number":"59.1-335.4","catch_line":"Bond or letter of credit required","order_by":null,"url":"\/59.1-335.4\/"}],"refers_to":false,"permalink":{"id":260871,"object_type":"law","relational_id":72344,"identifier":"59.1-335.10","token":"59.1\/25.1\/59.1-335.10","url":"\/59.1-335.10\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/59.1-335.10\/","token":"59.1\/25.1\/59.1-335.10","dublin_core":{"Title":"Liability to consumer","Type":"Text","Format":"text\/html","Identifier":"\u00a7 59.1-335.10","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section id=\"A\"><p><span class=\"prefix-number\">A.<\/span> Any <span class=\"dictionary\">credit services business<\/span> which willfully fails to comply with any requirement imposed under this chapter with respect to any <span class=\"dictionary\">consumer<\/span> is liable to that <span class=\"dictionary\">consumer<\/span> in an amount equal to the sum of: <a id=\"paragraph-260586\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/59.1-335.10\/#A\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A1\" class=\"indent-1\"><p><span class=\"prefix-number\">1.<\/span> Any actual <span class=\"dictionary\">damages<\/span> sustained by the <span class=\"dictionary\">consumer<\/span> as a result of the failure; and <a id=\"paragraph-260587\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/59.1-335.10\/#A1\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A2\" class=\"indent-1\"><p><span class=\"prefix-number\">2.<\/span> Such amount of punitive <span class=\"dictionary\">damages<\/span> as the <span class=\"dictionary\">court<\/span> may allow. <a id=\"paragraph-260588\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/59.1-335.10\/#A2\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"B\"><p><span class=\"prefix-number\">B.<\/span> Any <span class=\"dictionary\">credit services business<\/span> which is negligent in failing to comply with any requirement imposed under this chapter with respect to any <span class=\"dictionary\">consumer<\/span> is liable to that <span class=\"dictionary\">consumer<\/span> in an amount equal to the sum of any actual <span class=\"dictionary\">damages<\/span> sustained by the <span class=\"dictionary\">consumer<\/span> as a result of the failure. <a id=\"paragraph-260589\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/59.1-335.10\/#B\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nLIABILITY TO CONSUMER (\u00a7 59.1-335.10)\n\nA. Any credit services business which willfully fails to comply with any\nrequirement imposed under this chapter with respect to any consumer is liable to\nthat consumer in an amount equal to the sum of:\n\n   1. Any actual damages sustained by the consumer as a result of the failure;\n   and\n\n   2. Such amount of punitive damages as the court may allow.\n\nB. Any credit services business which is negligent in failing to comply with any\nrequirement imposed under this chapter with respect to any consumer is liable to\nthat consumer in an amount equal to the sum of any actual damages sustained by\nthe consumer as a result of the failure.\n\nHISTORY: 1989, cc. 651, 655.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}