West Virginia Mortgage Law Practice Test

Which entity is responsible for taking enforcement action under the West Virginia Consumer Credit and Protection Act?

1. Attorney General

2. Commissioner

3. Governor

4. State Senate

The correct answer is: Attorney General

The Attorney General is the entity responsible for taking enforcement action under the West Virginia Consumer Credit and Protection Act. This role includes the authority to investigate potential violations of consumer protection laws and the ability to bring legal action against individuals or businesses that engage in deceptive or unfair practices in the realm of credit and consumer transactions. The Attorney General serves as the chief legal officer of the state, representing the interests of the public, and it is essential that this office is empowered to enforce consumer protection laws to safeguard citizens from unfair practices. In contrast, while the Commissioner may have regulatory responsibilities, and the Governor and State Senate hold political or legislative roles, they do not specifically have the enforcement role prescribed under the Consumer Credit and Protection Act. Thus, the Attorney General’s role is critical to the protection of consumers in West Virginia.