South Carolina Consumer Protection Code

South Carolina · Consumer Protection Code · §§ 37-10-101 to 37-9-103 · 347 sections

Overview

The South Carolina Consumer Protection Code governs consumer credit and related consumer transactions in the state, setting out its scope and territorial reach, defining the terms used throughout, and establishing limits on credit terms such as interest rates, prepayment, and attorney's fees on mortgage loans made for personal, family, or household purposes. It regulates specific consumer practices — including lease and sublease arrangements, credit-related services sold under approved contracts, and online safety for children — by prohibiting enumerated unlawful acts and requiring registration, bonding or letters of credit, and the appointment and annual renewal of company representatives. Enforcement runs through the Department of Consumer Affairs, which promulgates regulations, licenses registrants, educates the public, and handles complaints, with contested matters heard by the Administrative Law Court and violations exposed to civil penalties, criminal penalties, and private civil actions that supplement rather than displace other remedies.

Editorial summary generated from the text of this act. It is not part of the statute — read the sections below for the operative language.

In the courts

Sections of this act have been cited in 114 court decisions.

Most-cited authority: 539 U.S. 444 - Green Tree Financial Corp. v. Bazzle

Sections covered

S.C. Code Ann. § 37-10-101Scope
S.C. Code Ann. § 37-10-102Attorney's fees and other charges on mortgage loans for personal, family or household purposes17 cites
S.C. Code Ann. § 37-10-103Prepayment of loans of one hundred fifty thousand dollars or less
S.C. Code Ann. § 37-10-104Agricultural loans under twenty-five thousand dollars
S.C. Code Ann. § 37-10-105Violations; civil actions8 cites
S.C. Code Ann. § 37-10-106Maximum rate of interest; legal rate of interest
S.C. Code Ann. § 37-10-107Certain legal or equitable actions prohibited4 cites
S.C. Code Ann. § 37-1-101Short title3 cites
S.C. Code Ann. § 37-1-102Purposes; rules of construction4 cites
S.C. Code Ann. § 37-1-103Supplementary general principles of law applicable1 cite
S.C. Code Ann. § 37-1-104Construction against implicit repeal
S.C. Code Ann. § 37-1-105Severability
S.C. Code Ann. § 37-1-106Conflict with Consumer Finance Law
S.C. Code Ann. § 37-1-107Waiver; agreement to forego rights; settlement of claims
S.C. Code Ann. § 37-1-108Effect of title on powers of organizations
S.C. Code Ann. § 37-1-109Change of dollar amounts used in the Consumer Protection Code
S.C. Code Ann. § 37-1-201Territorial application1 cite
S.C. Code Ann. § 37-1-202Exclusions
S.C. Code Ann. § 37-1-203Jurisdiction and service of process
S.C. Code Ann. § 37-1-301General definitions2 cites
S.C. Code Ann. § 37-1-302Definition of "Federal Consumer Credit Protection Act"
S.C. Code Ann. § 37-1-303Index of definitions in title
S.C. Code Ann. § 37-1-310Child online safety
S.C. Code Ann. § 37-13-10Definitions
S.C. Code Ann. § 37-13-20Unlawful acts
S.C. Code Ann. § 37-13-30Violation by other person not a defense to prosecution of sublease arranger; sublease arranger may not shift duties
S.C. Code Ann. § 37-13-40Civil penalties for violation of chapter; remedies
S.C. Code Ann. § 37-13-50Criminal penalties for violations of chapter
S.C. Code Ann. § 37-13-60Promulgation of regulations by Department of Consumer Affairs
S.C. Code Ann. § 37-13-70Education of public and enforcement of chapter by Department of Consumer Affairs
S.C. Code Ann. § 37-13-80Promulgation of regulations as to licensing requirements; licensing fee
S.C. Code Ann. § 37-13-90Rights and remedies in addition to other rights and remedies
S.C. Code Ann. § 37-16-10Definitions
S.C. Code Ann. § 37-16-20Registration; bond or letter of credit
S.C. Code Ann. § 37-16-30Appointment of sales person as company representative; filing of name, address, and telephone number; renewal; fees; refusal or revocation of appointment
S.C. Code Ann. § 37-16-40Annual registration; affirmation of continuation of bond; fee
S.C. Code Ann. § 37-16-50Prior approval of contracts; required provisions as to selection of attorney; approval process
S.C. Code Ann. § 37-16-60Complaints
S.C. Code Ann. § 37-16-70Contested case hearing with Administrative Law Court
S.C. Code Ann. § 37-16-80Failure to abide by contract; use of false, or deceptive acts or practices; repeated or systematic failure to comply or engaging in deceptive acts; sanctions
S.C. Code Ann. § 37-16-90Promulgation of rules and regulations
S.C. Code Ann. § 37-20-110Definitions1 cite
S.C. Code Ann. § 37-20-120Verification of addresses
S.C. Code Ann. § 37-20-130Initiating law enforcement investigation of identity theft
S.C. Code Ann. § 37-20-140Reflection of innocence of identity theft victim of crime committed using name in court records of person convicted of committing identity theft; petition for expedited judicial determination of factual innocence
S.C. Code Ann. § 37-20-150Records of individuals who have been victims of identity theft to be maintained by State Law Enforcement Division; submission of fingerprints and other required information by victims
S.C. Code Ann. § 37-20-160Security freezes on consumer files; request for replacement personal identification number or password; consumer reporting agency duties and responsibilities; exceptions
S.C. Code Ann. § 37-20-161Security freezes by consumer reporting agencies for protected consumers
S.C. Code Ann. § 37-20-170Disputes as to accuracy of consumer records; penalties for wilful or negligent violations; attorney fees; civil damages and injunctive relief
S.C. Code Ann. § 37-20-180Restrictions on publication and use of social security numbers; exceptions1 cite
S.C. Code Ann. § 37-20-190Requirements for disposition of business records; exceptions
S.C. Code Ann. § 37-20-200Penalties imposed on consumer credit-reporting agencies for violation of chapter
S.C. Code Ann. § 37-2-101Short title
S.C. Code Ann. § 37-2-102Scope
S.C. Code Ann. § 37-2-103Index of definitions in chapter
S.C. Code Ann. § 37-2-104"Consumer credit sale" defined1 cite
S.C. Code Ann. § 37-2-105"Goods"; "merchandise certificate"; "services"; "sale of goods"; "sale of services"; "sale of an interest in land"; "precomputed" defined1 cite
S.C. Code Ann. § 37-2-106"Consumer lease" defined
S.C. Code Ann. § 37-2-107"Seller" defined
S.C. Code Ann. § 37-2-108"Revolving charge account" defined
S.C. Code Ann. § 37-2-109"Credit service charge" defined
S.C. Code Ann. § 37-2-110"Cash price" defined
S.C. Code Ann. § 37-2-111"Amount financed" defined
S.C. Code Ann. § 37-2-201Credit service charge for consumer credit sales
S.C. Code Ann. § 37-2-202Additional charges2 cites
S.C. Code Ann. § 37-2-203Delinquency charges
S.C. Code Ann. § 37-2-204Deferral charges
S.C. Code Ann. § 37-2-205Credit service charge on refinancing
S.C. Code Ann. § 37-2-206Credit service charge on consolidation
S.C. Code Ann. § 37-2-207Credit service charge for revolving charge accounts
S.C. Code Ann. § 37-2-208Advances to perform covenants of buyer1 cite
S.C. Code Ann. § 37-2-209Right to prepay
S.C. Code Ann. § 37-2-210Rebate upon prepayment
S.C. Code Ann. § 37-22-110Definitions
S.C. Code Ann. § 37-22-120Licensing requirements
S.C. Code Ann. § 37-22-130Contested case proceedings; appeals
S.C. Code Ann. § 37-22-140Application for licensure; information required; identification of managing principal; filing fee; surety bond; issuance of license
S.C. Code Ann. § 37-22-150Expiration and renewal of licenses; fingerprint check; assignment or transfer of license
S.C. Code Ann. § 37-22-160Continuing professional education
S.C. Code Ann. § 37-22-170Managing principal; branch offices; notification of commissioner of designation and change of managing principal or branch manager
S.C. Code Ann. § 37-22-180Notice of change of address; display of license
S.C. Code Ann. § 37-22-190Prohibited activities; violation of state or federal law
S.C. Code Ann. § 37-22-200Powers of commissioner relating to denial, suspension, revocation or refusal to renew license; surrender; investigations and subpoena of documents
S.C. Code Ann. § 37-22-210Commissioner's records; segregated escrow funds; licensee ceasing business activities
S.C. Code Ann. § 37-22-220Maintenance of records by licensee; annual mortgage reports
S.C. Code Ann. § 37-22-230Violations of chapter; penalties
S.C. Code Ann. § 37-22-240Criminal background checks
S.C. Code Ann. § 37-22-250Funds payable to commissioner
S.C. Code Ann. § 37-22-260Promulgation of regulations
S.C. Code Ann. § 37-22-270Participation in Nationwide Mortgage Licensing System and Registry
S.C. Code Ann. § 37-2-301Compliance with Federal Truth in Lending Act
S.C. Code Ann. § 37-2-302Receipts; statement of account; evidence of payment
S.C. Code Ann. § 37-2-303Notice to cosigner and similar parties
S.C. Code Ann. § 37-2-304Advertising2 cites
S.C. Code Ann. § 37-2-305Filing and posting maximum rate schedule
S.C. Code Ann. § 37-2-306Notice of assumption of rights
S.C. Code Ann. § 37-2-307Motor vehicle sales contracts closing fees1 cite
S.C. Code Ann. § 37-2-308Disclosures for motor vehicle sales or leases; credit and lease advertising; penalties and hearing rights
S.C. Code Ann. § 37-2-309Manufactured home credit disclosure; material terms
S.C. Code Ann. § 37-2-401Scope
S.C. Code Ann. § 37-2-402Use of multiple agreements
S.C. Code Ann. § 37-2-403Certain negotiable instruments prohibited
S.C. Code Ann. § 37-2-404Assignee subject to claims and defenses
S.C. Code Ann. § 37-2-405Balloon payments
S.C. Code Ann. § 37-2-406Restriction on liability in consumer lease
S.C. Code Ann. § 37-2-407Security in sales and leases
S.C. Code Ann. § 37-2-408Cross-collateral
S.C. Code Ann. § 37-2-409Debt secured by cross-collateral
S.C. Code Ann. § 37-2-410No assignment of earnings
S.C. Code Ann. § 37-2-411Referral sales and leases
S.C. Code Ann. § 37-2-412Notice of assignment
S.C. Code Ann. § 37-2-413Attorney's fees2 cites
S.C. Code Ann. § 37-2-414Limitation on default charges
S.C. Code Ann. § 37-2-415Authorization to confess judgment prohibited
S.C. Code Ann. § 37-2-416Change in terms of revolving charge accounts
S.C. Code Ann. § 37-2-501Definition: "home solicitation sale"
S.C. Code Ann. § 37-2-502Buyer's right to cancel1 cite
S.C. Code Ann. § 37-2-503Form of agreement or offer; statement of buyer's rights2 cites
S.C. Code Ann. § 37-2-504Restoration of down payment
S.C. Code Ann. § 37-2-505Duty of buyer; no compensation for services before cancellation
S.C. Code Ann. § 37-2-506Compliance with Federal Trade Commission Trade Regulation Rule
S.C. Code Ann. § 37-25-10Definitions
S.C. Code Ann. § 37-25-20Prescription required
S.C. Code Ann. § 37-25-30Prescription; contents
S.C. Code Ann. § 37-25-40Prescription; time valid
S.C. Code Ann. § 37-25-50Contact lens fitting; when complete and prescription written
S.C. Code Ann. § 37-25-60Release of prescription
S.C. Code Ann. § 37-25-70Penalties; contested case hearing; order for enforcement
S.C. Code Ann. § 37-25-80Immunity
S.C. Code Ann. § 37-2-601Sales subject to title by agreement of parties
S.C. Code Ann. § 37-2-605Credit service charge for other sales
S.C. Code Ann. § 37-2-701Definitions5 cites
S.C. Code Ann. § 37-2-702Required disclosures; manner of disclosure; when disclosures required2 cites
S.C. Code Ann. § 37-2-703Renegotiation; extension of agreement
S.C. Code Ann. § 37-2-704Advertisements; statement of terms
S.C. Code Ann. § 37-2-705Delinquency charges1 cite
S.C. Code Ann. § 37-2-706Deposits; delivery charges; pick up charges1 cite
S.C. Code Ann. § 37-2-707Charge for default of lessee1 cite
S.C. Code Ann. § 37-2-708Use of note as evidence of consumer's obligation
S.C. Code Ann. § 37-2-709Assignment; claims or defenses
S.C. Code Ann. § 37-2-710Assignment of earnings
S.C. Code Ann. § 37-2-711Lessee's rights and obligations upon assignment
S.C. Code Ann. § 37-2-712Confession of judgment
S.C. Code Ann. § 37-2-713Lessee's right to return property, continue rental, or purchase property before end of rental-purchase agreement1 cite
S.C. Code Ann. § 37-2-714Lessee's right to reinstatement of rental-purchase agreement
S.C. Code Ann. § 37-29-100PalmettoPride established; purpose
S.C. Code Ann. § 37-29-110Board of directors; appointment of members; terms; vacancies
S.C. Code Ann. § 37-29-120Appointment of staff and Executive Coordinator; annual budget
S.C. Code Ann. § 37-29-130Acceptance of gifts; receipt and expenditure of public funds appropriated
S.C. Code Ann. § 37-30-100Purpose of chapter
S.C. Code Ann. § 37-30-110Definitions
S.C. Code Ann. § 37-30-120Offering and sale of GAP waivers in state
S.C. Code Ann. § 37-30-130Insurance policy insuring a GAP waiver
S.C. Code Ann. § 37-30-140GAP waiver disclosures
S.C. Code Ann. § 37-30-150Cancellation of GAP waiver
S.C. Code Ann. § 37-30-160Enforcement of chapter
S.C. Code Ann. § 37-30-175Civil actions
S.C. Code Ann. § 37-3-101Short title
S.C. Code Ann. § 37-3-102Scope
S.C. Code Ann. § 37-3-103Index of definitions
S.C. Code Ann. § 37-3-104"Consumer loan" defined1 cite
S.C. Code Ann. § 37-3-105First mortgage real estate loans
S.C. Code Ann. § 37-3-106"Loan" defined
S.C. Code Ann. § 37-3-107"Lender"; "precomputed"; "principal" defined
S.C. Code Ann. § 37-3-108"Revolving loan account" defined
S.C. Code Ann. § 37-3-109"Loan finance charge" defined
S.C. Code Ann. § 37-3-200Restricted loans and restricted lenders
S.C. Code Ann. § 37-3-201Loan finance charge for consumer loans
S.C. Code Ann. § 37-3-202Additional charges
S.C. Code Ann. § 37-3-203Delinquency charges
S.C. Code Ann. § 37-3-204Deferral charges
S.C. Code Ann. § 37-3-205Loan finance charge on refinancing
S.C. Code Ann. § 37-3-206Loan finance charge on consolidation
S.C. Code Ann. § 37-3-207Conversion to revolving loan account
S.C. Code Ann. § 37-3-208Advance to perform covenants of debtor
S.C. Code Ann. § 37-3-209Right to prepay
S.C. Code Ann. § 37-3-210Rebate upon prepayment
S.C. Code Ann. § 37-3-301Application of and compliance with Federal Truth in Lending Act
S.C. Code Ann. § 37-3-302Receipts; statements of account; evidence of payment
S.C. Code Ann. § 37-3-303Notice to cosigners and similar parties
S.C. Code Ann. § 37-3-304Advertising
S.C. Code Ann. § 37-3-305Filing and posting maximum rate schedule1 cite
S.C. Code Ann. § 37-3-306Notice of assumption rights
S.C. Code Ann. § 37-3-308Manufactured home loan disclosure; material terms
S.C. Code Ann. § 37-3-401Scope
S.C. Code Ann. § 37-3-402Balloon payments
S.C. Code Ann. § 37-3-403No assignment of earnings
S.C. Code Ann. § 37-3-404Attorney's fees
S.C. Code Ann. § 37-3-405Charges as a result of default prohibited except as authorized by title
S.C. Code Ann. § 37-3-406Notice of assignment
S.C. Code Ann. § 37-3-407Authorization to confess judgment prohibited
S.C. Code Ann. § 37-3-408Change in terms of revolving loan accounts
S.C. Code Ann. § 37-3-409Use of multiple agreements
S.C. Code Ann. § 37-3-410Lender subject to claims and defenses arising from sale and leases1 cite
S.C. Code Ann. § 37-3-411Card issuer subject to claims and defenses
S.C. Code Ann. § 37-3-412Variable interest rate real estate mortgage loans
S.C. Code Ann. § 37-3-413Short-term vehicle secured loans; notice to borrower
S.C. Code Ann. § 37-3-500Scope1 cite
S.C. Code Ann. § 37-3-501Definitions: "supervised loan"; "supervised lender"; "restricted loan"; "restricted lender"
S.C. Code Ann. § 37-3-502Authority to make supervised loans1 cite
S.C. Code Ann. § 37-3-503License to make supervised loans
S.C. Code Ann. § 37-3-504Revocation or suspension of license
S.C. Code Ann. § 37-3-505Records; annual reports
S.C. Code Ann. § 37-3-506Examinations and investigations
S.C. Code Ann. § 37-3-507Application of Part on Administrative Procedure and Judicial Review
S.C. Code Ann. § 37-3-509Use of multiple agreements
S.C. Code Ann. § 37-3-510Restrictions on interest in land as security
S.C. Code Ann. § 37-3-511Regular schedule of payments; maximum loan term
S.C. Code Ann. § 37-3-512Conduct of business other than making loans
S.C. Code Ann. § 37-3-513Application of other provisions
S.C. Code Ann. § 37-3-514Limitation on attorney's fees
S.C. Code Ann. § 37-3-515Loan renewal limitations
S.C. Code Ann. § 37-3-601Loans subject to this Title by agreement of parties1 cite
S.C. Code Ann. § 37-3-605Loan finance charge for other loans
S.C. Code Ann. § 37-4-101Short title
S.C. Code Ann. § 37-4-102Scope
S.C. Code Ann. § 37-4-103"Consumer credit insurance" defined
S.C. Code Ann. § 37-4-104Creditor's provision of and charge for insurance; excess amount of charge
S.C. Code Ann. § 37-4-105Conditions applying to insurance to be provided by creditor
S.C. Code Ann. § 37-4-106Unconscionability
S.C. Code Ann. § 37-4-107Maximum charge by creditor for insurance
S.C. Code Ann. § 37-4-108Refund or credit required; amount
S.C. Code Ann. § 37-4-109Existing insurance; choice of insurer
S.C. Code Ann. § 37-4-110Charge for insurance in connection with a deferral, refinancing or consolidation; duplicate charges
S.C. Code Ann. § 37-4-111Cooperation between administrator and the Director of the Department of Insurance
S.C. Code Ann. § 37-4-112Administrative action of Director of the Department of Insurance
S.C. Code Ann. § 37-4-201Term of insurance; medical evidence of insurability disclosure requirements
S.C. Code Ann. § 37-4-202Amount of insurance2 cites
S.C. Code Ann. § 37-4-203Filing and approval of rates and forms1 cite
S.C. Code Ann. § 37-4-204Minimum charges and retentions
S.C. Code Ann. § 37-4-205Payment on legitimate insurance claim; damages; fees; costs
S.C. Code Ann. § 37-4-206Required disclosures; need for debtor to sign
S.C. Code Ann. § 37-4-207Misrepresentation of medical condition as basis for voiding insurance
S.C. Code Ann. § 37-4-208Amount charged for nonfiling insurance coverage
S.C. Code Ann. § 37-4-209Combining disclosures
S.C. Code Ann. § 37-4-210What constitutes disability
S.C. Code Ann. § 37-4-301Property insurance
S.C. Code Ann. § 37-4-302Insurance on creditor's interest only
S.C. Code Ann. § 37-4-303Liability insurance
S.C. Code Ann. § 37-4-304Cancellation by creditor
S.C. Code Ann. § 37-5-101Short title
S.C. Code Ann. § 37-5-102Scope
S.C. Code Ann. § 37-5-103Restrictions on deficiency judgments in consumer credit sales
S.C. Code Ann. § 37-5-104No garnishment2 cites
S.C. Code Ann. § 37-5-106No discharge from employment for garnishment
S.C. Code Ann. § 37-5-107Extortionate extensions of credit
S.C. Code Ann. § 37-5-108Unconscionability; inducement by unconscionable conduct12 cites
S.C. Code Ann. § 37-5-109Default2 cites
S.C. Code Ann. § 37-5-110Notice of consumer's right to cure3 cites
S.C. Code Ann. § 37-5-111Cure of default1 cite
S.C. Code Ann. § 37-5-112Creditor's right to take possession after default2 cites
S.C. Code Ann. § 37-5-113Venue, complaint, stay of enforcement of or relief from default judgment
S.C. Code Ann. § 37-5-114Complaint; proof; entry of default judgment
S.C. Code Ann. § 37-5-115Stay of enforcement of or relief from default judgment
S.C. Code Ann. § 37-5-117Lien, or submission of debt to credit bureau or reporting agency, by health care services provider; notice required; penalties
S.C. Code Ann. § 37-5-202Effect of violations on rights of parties3 cites
S.C. Code Ann. § 37-5-203Civil liability for violation of disclosure provisions
S.C. Code Ann. § 37-5-205Refunds and penalties as setoff to obligation
S.C. Code Ann. § 37-5-301Wilfull violations
S.C. Code Ann. § 37-5-302Disclosure violations
S.C. Code Ann. § 37-5-303Fraudulent use of cards
S.C. Code Ann. § 37-6-101Short title1 cite
S.C. Code Ann. § 37-6-102Applicability
S.C. Code Ann. § 37-6-103"Administrator" defined
S.C. Code Ann. § 37-6-104Powers of administrator; harmony with Federal regulations; reliance on rules; duty to report
S.C. Code Ann. § 37-6-105Administrative powers with respect to supervised financial organizations
S.C. Code Ann. § 37-6-106Investigatory powers
S.C. Code Ann. § 37-6-107Administrative actions
S.C. Code Ann. § 37-6-108Administrative enforcement orders1 cite
S.C. Code Ann. § 37-6-109Assurance of discontinuance
S.C. Code Ann. § 37-6-110Injunctions against violations of title
S.C. Code Ann. § 37-6-111Injunctions against unconscionable agreements and fraudulent or unconscionable conduct
S.C. Code Ann. § 37-6-112Temporary relief
S.C. Code Ann. § 37-6-113Civil actions by administrator1 cite
S.C. Code Ann. § 37-6-115Remedies not affected
S.C. Code Ann. § 37-6-116Venue
S.C. Code Ann. § 37-6-117Administrative responsibilities respecting consumer protection generally
S.C. Code Ann. § 37-6-118Investigation of unfair trade practices in consumer transactions
S.C. Code Ann. § 37-6-119Trade practices targeting vulnerable adults prohibited; penalties
S.C. Code Ann. § 37-6-120Automatic renewal provisions unenforceable unless certain conditions are met
S.C. Code Ann. § 37-6-201Applicability
S.C. Code Ann. § 37-6-202Notification
S.C. Code Ann. § 37-6-203Fees
S.C. Code Ann. § 37-6-204Notification; persons making consumer rental-purchase agreements
S.C. Code Ann. § 37-6-301Council of Advisors on Consumer Credit
S.C. Code Ann. § 37-6-302Function of council; conflict of interest
S.C. Code Ann. § 37-6-303Meetings
S.C. Code Ann. § 37-6-401Applicability and scope; conflict with Administrative Procedures Act
S.C. Code Ann. § 37-6-402"Contested case"; "license"; "licensing"; "party"; "rule" defined
S.C. Code Ann. § 37-6-403Public information; adoption of rules; availability of rules and orders
S.C. Code Ann. § 37-6-404Procedure for adoption of rules
S.C. Code Ann. § 37-6-405Filing and taking effect of rules
S.C. Code Ann. § 37-6-406Publication of rules
S.C. Code Ann. § 37-6-407Petition for adoption of rules
S.C. Code Ann. § 37-6-408Declaratory judgment on validity or applicability of rules
S.C. Code Ann. § 37-6-409Declaratory rulings by administrator
S.C. Code Ann. § 37-6-410Contested cases; notice; hearing; records
S.C. Code Ann. § 37-6-411Rules of evidence; official notice
S.C. Code Ann. § 37-6-412Decisions and orders
S.C. Code Ann. § 37-6-413Licenses
S.C. Code Ann. § 37-6-414Contested case hearings before the Administrative Law Court
S.C. Code Ann. § 37-6-501Department of Consumer Affairs; Commission on Consumer Affairs; administrator
S.C. Code Ann. § 37-6-502Members of Commission on Consumer Affairs; terms; vacancies
S.C. Code Ann. § 37-6-503Quorum; meetings
S.C. Code Ann. § 37-6-504Bonds of Commission members
S.C. Code Ann. § 37-6-505Compensation and expenses of Commission members
S.C. Code Ann. § 37-6-506Powers and duties of Commission2 cites
S.C. Code Ann. § 37-6-507Qualifications of administrator
S.C. Code Ann. § 37-6-508Deputy administrator
S.C. Code Ann. § 37-6-509Oath and bond of administrator
S.C. Code Ann. § 37-6-510Personnel
S.C. Code Ann. § 37-6-511Department to maintain file for each creditor of rate schedules filed by creditor; certified copies; fees
S.C. Code Ann. § 37-6-512Advisory committee of persons with cognizable handicaps
S.C. Code Ann. § 37-6-601Division of Consumer Advocacy created
S.C. Code Ann. § 37-6-602Consumer Advocate; qualifications
S.C. Code Ann. § 37-6-603Staff and expenses
S.C. Code Ann. § 37-6-604Functions and duties of division1 cite
S.C. Code Ann. § 37-6-605Access to records of state agencies and insurance companies1 cite
S.C. Code Ann. § 37-6-606Petitions filed by advocate with regulatory agencies in interest of consumers
S.C. Code Ann. § 37-6-607Advocate may maintain actions for judicial review
S.C. Code Ann. § 37-6-608Temporary staff; compensation
S.C. Code Ann. § 37-6-609Discretion as to Consumer Advocate's decisions
S.C. Code Ann. § 37-7-101Definitions3 cites
S.C. Code Ann. § 37-7-102Licensing requirement2 cites
S.C. Code Ann. § 37-7-103Surety bonds
S.C. Code Ann. § 37-7-104License application as credit counseling organization and credit counselor; contents; fee
S.C. Code Ann. § 37-7-105Continuing professional education requirements
S.C. Code Ann. § 37-7-106Grounds for refusal to license, suspension, revocation or refusal to renew1 cite
S.C. Code Ann. § 37-7-107Issuance or denial of license; contents and posting; renewal
S.C. Code Ann. § 37-7-108Requirements for engaging in credit counseling services or debt management plans; preparation and contents of budget analysis; notice regarding services
S.C. Code Ann. § 37-7-109Debt management plan; fee; form for consent of creditors; notice of plan to creditors; presumed consent
S.C. Code Ann. § 37-7-110Written contract; contents; required disclosures; cancellation of plan
S.C. Code Ann. § 37-7-111Funds paid to licensee for distribution to creditors; trust accounts; duties and responsibilities
S.C. Code Ann. § 37-7-112Fees
S.C. Code Ann. § 37-7-113Individualized counseling and education session
S.C. Code Ann. § 37-7-114Records; maintenance and preservation
S.C. Code Ann. § 37-7-115Annual reports; occurrences triggering other reports
S.C. Code Ann. § 37-7-116Prohibited acts1 cite
S.C. Code Ann. § 37-7-117Violations and penalties; civil action by consumer; limitations
S.C. Code Ann. § 37-7-118Violation of Unfair Trade Practices Act
S.C. Code Ann. § 37-7-119Cease and desist orders; penalties for noncompliance; revocation of license; increase of bond
S.C. Code Ann. § 37-7-120Appeals
S.C. Code Ann. § 37-7-121Regulations
S.C. Code Ann. § 37-7-122Use of application and renewal fees
S.C. Code Ann. § 37-9-101Time of taking effect; provisions for transition
S.C. Code Ann. § 37-9-102Continuation of licensing
S.C. Code Ann. § 37-9-103Relationship between separate subsidiary corporations; obligations of parent and subsidiary

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