Photo of Mark L. Keam
D Virginia House of Delegates · District 35

Del. Mark L. Keam

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Total votes
9,960
all sessions
Attendance
100%
28 missed
Near the chamber average
With party
98%
of cast votes
Higher than 90% of chamber peers
Bipartisan score
1%
crosses aisle rarely
Lower than 85% of chamber peers
Sponsored
1,099
bills & resolutions
Higher than 88% of chamber peers
Committees
0
assignments
1,099 bills and resolutions

Sponsored bills

Total
1,099
Primary
255
Co-sponsor
844
This page
1,099
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Primary HB 1596
In committee · Virginia House of Delegates · Lead sponsor
Virginia Consumer Protection Act; open-end credit plans.

Prohibits a person licensed as a motor vehicle title lender from extending credit under an open-end credit plan. The measure requires any person engaging in the business of extending credit under an open-end credit plan to obtain a license from the State Corporation Commission and establishes licensure requirements and procedures. The measure prohibits a person extending credit under an open-end credit plan from (i) obtaining or accepting from a borrower an authorization to electronically debit the borrower's deposit account; (ii) failing to comply with certain restrictions and prohibitions applicable to debt collectors contained in the federal Fair Debt Collection Practices Act; (iii) making a loan to a borrower if the loan or extension would cause the borrower to have more than one loan under an open-end credit plan outstanding at the same time; and (iv) filing a legal proceeding against a borrower until 60 days after the date of default on an open-end credit plan, during which period the person and the borrower may voluntarily enter into a repayment arrangement. The measure makes these requirements applicable to any person that makes such an extension of credit over the Internet to Virginia residents or any individuals in Virginia. The measure makes violating requirements applicable to extending credit under an open-end credit plan a prohibited practice under the Virginia Consumer Protection Act.

In committee Feb 13, 2018 0 co-sponsors
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