Sen. Janet Howell

Primary SB 1112

In committee · Virginia Senate · Lead sponsor

Student loans; licensing of qualified education loan servicers, civil penalties.

Prohibits any person from acting as a qualified education loan servicer except in accordance with provisions established by this bill. The bill requires a loan servicer to obtain a license from the State Corporation Commission (SCC) and establishes procedures pertaining to such licenses. Banks, savings institutions, credit unions, and nonprofit institutions of higher education are exempt from the licensing provisions. The servicing of a qualified education loan encompasses (i) receiving any scheduled periodic payments from a qualified education loan borrower pursuant to the terms of a qualified education loan; (ii) applying the payments of principal and interest and such other payments, with respect to the amounts received from a qualified education loan borrower, as may be required pursuant to the terms of a qualified education loan; and (iii) performing other administrative services with respect to a qualified education loan. Qualified education loan servicers are prohibited from, among other things, (a) misrepresenting the amount, nature, or terms of any fee or payment due or claimed to be due on a qualified education loan, the terms and conditions of the loan agreement, or the borrower's obligations under the loan; (b) knowingly misapplying or recklessly applying loan payments to the outstanding balance of a qualified education loan; and (c) failing to report both the favorable and unfavorable payment history of the borrower to a nationally recognized consumer credit bureau at least annually if the loan servicer regularly reports information to such a credit bureau. Violations are subject to a civil penalty not exceeding $2,500. The bill has a delayed effective date of July 1, 2020, but provides that applications shall be accepted, and investigations commenced, by the SCC beginning March 1, 2020.

In committee Feb 8, 2019 0 co-sponsors Track

Co-sponsor HJ 736

Introduced · Virginia House of Delegates · Co-sponsor

Commending Virginia's 21 planning district commissions.

Introduced Feb 7, 2019 1 co-sponsor Track

Co-sponsor HJ 748

Introduced · Virginia House of Delegates · Co-sponsor

Commending Virginia State University.

Introduced Feb 7, 2019 1 co-sponsor Track

Co-sponsor HJ 712

Passed · Virginia House of Delegates · Co-sponsor

Celebrating the life of the Honorable Frederick MacDonald Quayle.

Passed Feb 7, 2019 1 co-sponsor Track

Co-sponsor HJ 746

Introduced · Virginia House of Delegates · Co-sponsor

Commending Share, Inc.

Introduced Feb 7, 2019 1 co-sponsor Track

Co-sponsor SB 1402

In committee · Virginia Senate · Co-sponsor

Health care provider panels; vertically integrated carriers, public hospitals.

In committee Feb 6, 2019 1 co-sponsor Track

Co-sponsor SB 1163

In committee · Virginia Senate · Co-sponsor

Firearms; trigger activators designed to increase the rate of fire, prohibition, penalty.

In committee Feb 6, 2019 1 co-sponsor Track

Primary SB 1078

In committee · Virginia Senate · Lead sponsor

Protective orders; possession of firearms, penalty.

In committee Feb 6, 2019 0 co-sponsors Track

Co-sponsor SJ 298

In committee · Virginia Senate · Co-sponsor

Breastfeeding Awareness Month.

In committee Feb 5, 2019 1 co-sponsor Track

Co-sponsor SJ 301

In committee · Virginia Senate · Co-sponsor

Mental Health Services in the Commonwealth in the 21st Century; Joint Subcommittee Studying, cont'd.

In committee Feb 5, 2019 1 co-sponsor Track