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<law><site_title>Virginia Decoded</site_title><site_url>https://vacode.org</site_url><law_id>79951</law_id><section_number>6.2-2619</section_number><catch_line>Private cause of action</catch_line><edition url="https://vacode.org/2025/" slug="2025" current="TRUE" last_updated="">2025</edition><structure><unit label="title" level="1" order_by="1" identifier="6.2">Financial Institutions and Services</unit><unit label="subtitle" level="2" order_by="1" identifier="IV">Other Financial Activities</unit><unit label="chapter" level="3" order_by="1" identifier="26">Qualified Education Loan Servicers</unit></structure><text>
						<section id="A"><p><span class="prefix-number">A.</span> A <span class="dictionary"><span class="dictionary">qualified education loan</span> servicer</span> shall: <a id="paragraph-286358" class="section-permalink" href="https://vacode.org/6.2-2619/#A"><i class="fa fa-link"/></a></p></section>
						<section id="A1" class="indent-1"><p><span class="prefix-number">1.</span> Comply with this chapter. <a id="paragraph-286359" class="section-permalink" href="https://vacode.org/6.2-2619/#A1"><i class="fa fa-link"/></a></p></section>
						<section id="A2" class="indent-1"><p><span class="prefix-number">2.</span> Comply with all applicable federal <span class="dictionary">laws</span> related to <span class="dictionary">qualified education loan</span> servicing, as from time to time amended, and the regulations promulgated thereunder. <a id="paragraph-286360" class="section-permalink" href="https://vacode.org/6.2-2619/#A2"><i class="fa fa-link"/></a></p></section>
						<section id="B"><p><span class="prefix-number">B.</span> Any <span class="dictionary">person</span> who suffers damage as a result of the failure of a <span class="dictionary"><span class="dictionary">qualified education loan</span> servicer</span> to comply with the requirements of subdivisions A 1 and 2 may bring an action against that <span class="dictionary"><span class="dictionary">qualified education loan</span> servicer</span> to recover or obtain any of the following: <a id="paragraph-286361" class="section-permalink" href="https://vacode.org/6.2-2619/#B"><i class="fa fa-link"/></a></p></section>
						<section id="B1" class="indent-1"><p><span class="prefix-number">1.</span> Actual <span class="dictionary">damages</span>, but in no case shall the total award of <span class="dictionary">damages</span> be less than $500 per violation; <a id="paragraph-286362" class="section-permalink" href="https://vacode.org/6.2-2619/#B1"><i class="fa fa-link"/></a></p></section>
						<section id="B2" class="indent-1"><p><span class="prefix-number">2.</span> An <span class="dictionary">order</span> enjoining the methods, acts, or practices; <a id="paragraph-286363" class="section-permalink" href="https://vacode.org/6.2-2619/#B2"><i class="fa fa-link"/></a></p></section>
						<section id="B3" class="indent-1"><p><span class="prefix-number">3.</span> <span class="dictionary">Restitution</span> of property; <a id="paragraph-286364" class="section-permalink" href="https://vacode.org/6.2-2619/#B3"><i class="fa fa-link"/></a></p></section>
						<section id="B4" class="indent-1"><p><span class="prefix-number">4.</span> Punitive <span class="dictionary">damages</span>; <a id="paragraph-286365" class="section-permalink" href="https://vacode.org/6.2-2619/#B4"><i class="fa fa-link"/></a></p></section>
						<section id="B5" class="indent-1"><p><span class="prefix-number">5.</span> Attorney fees; and <a id="paragraph-286366" class="section-permalink" href="https://vacode.org/6.2-2619/#B5"><i class="fa fa-link"/></a></p></section>
						<section id="B6" class="indent-1"><p><span class="prefix-number">6.</span> Any other relief the <span class="dictionary">court</span> deems proper. <a id="paragraph-286367" class="section-permalink" href="https://vacode.org/6.2-2619/#B6"><i class="fa fa-link"/></a></p></section>
						<section id="C"><p><span class="prefix-number">C.</span> In addition to any other remedies provided by this section or otherwise provided by <span class="dictionary">law</span>, whenever it is proven by a <span class="dictionary">preponderance of the evidence</span> that a <span class="dictionary"><span class="dictionary">qualified education loan</span> servicer</span> has engaged in conduct that substantially interferes with a <span class="dictionary">borrower</span>&#x2019;s right to (i) an alternative payment arrangement; (ii) loan forgiveness, cancellation, or discharge; or (iii) any other financial benefit as established under the terms of a <span class="dictionary">borrower</span>&#x2019;s promissory note or under the Higher Education Act of 1965, 20 U.S.C. &#xA7; 1070a et seq., as amended from time to time, and regulations promulgated thereunder, the <span class="dictionary">court</span> shall award treble actual <span class="dictionary">damages</span> to the <span class="dictionary">plaintiff</span>, but in no case shall the award of <span class="dictionary">damages</span> be less than $1,500 per violation. <a id="paragraph-286368" class="section-permalink" href="https://vacode.org/6.2-2619/#C"><i class="fa fa-link"/></a></p></section>
						<section id="D"><p><span class="prefix-number">D.</span> The remedies provided in this section are not intended to be the exclusive remedies available to the <span class="dictionary"><span class="dictionary">qualified education loan</span> borrower</span>, and a <span class="dictionary"><span class="dictionary">qualified education loan</span> borrower</span> shall not be required to exhaust any administrative remedies established pursuant to this chapter or any other applicable <span class="dictionary">law</span> prior to proceeding under this section. <a id="paragraph-286369" class="section-permalink" href="https://vacode.org/6.2-2619/#D"><i class="fa fa-link"/></a></p></section></text><history>2020, cc. 1198, 1250.</history><metadata></metadata></law>
