March 27, 2023

Volume XIII, Number 86


March 24, 2023

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New Amendment to West Virginia Consumer Credit and Protection Act Provides More Clarity for Creditors


On March 18, 2021, the West Virginia legislature passed Senate Bill 5 – an Amendment to the West Virginia Consumer Credit and Protection Act (WVCCPA). The Amendment provides more clarity about several aspects of litigation under the WVCCPA. Among other things, the Amendment:

  • Provides criteria for a trial court to evaluate reasonable attorney’s fees and expense awards to a prevailing consumer

  • Provides a unified mechanism for pre-suit notices and offers to cure

  • Establishes an explicit process for an offer to settle or offer of judgment

  • Provides that a plaintiff is not entitled to the recovery of fees and expenses when the plaintiff rejects an offer of judgment and receives less than 75% of the offer of judgment at trial

  • Provides that a defendant may recover attorneys’ fees for frivolous claims or claims made in bad faith 

The Amendment awaits Governor Justice’s signature to become final. 


Consumer attorneys have often used the fee-shifting provisions of the WVCCPA as a mechanism to over-litigate insignificant violations of the WVCCPA. The Amendment provides clarifications and procedures intended to discourage frivolous lawsuits. The Amendment further provides businesses with tools to limit their potential exposure in WVCCPA cases. 

Click here to view the final bill awaiting the governor’s signature

© Steptoe & Johnson PLLC. All Rights Reserved.National Law Review, Volume XI, Number 85

About this Author

Peter Raupp, Litigator, Steptoe Johnson Law Firm

Peter Raupp focuses his litigation practice in the areas of commercial litigation, general litigation, professional liability, civil rights, and appellate law.


(304) 353-8125
Colton C. Parsons Litigation Attorney Steptoe & Johnson Charleston, WV

Colton Parsons is no stranger to hard work. As a former coal miner and small business owner, he isn't afraid to get his hands dirty and enjoys the challenge of a fast-paced and diverse legal practice.  

Colton has experience in litigation, business transactions, and the hospitality industry. He defends West Virginia police officers and prison officials in constitutional and civil rights claims, often involving incarcerated individuals. Clients also depend on Colton to help them succeed in their business enterprises. He helps clients with business transactions, licensing issues, and...