Title 28, Commercial Instruments and Transactions. [Enacted title]

(a) If debts arising from two or more consumer credit sales other than sales pursuant to a revolving charge account (section 28-3701), are secured by cross-collateral, or consolidated into one debt payable on a single schedule of payments, and the debt is secured by security inte…

With respect to a consumer credit sale or direct installment loan the agreement may provide for the payment by the consumer of reasonable attorney’s fees not in excess of 15% of the unpaid balance of the obligation.

(a) In a consumer credit sale, no seller shall take or otherwise arrange for the consumer to sign an instrument, except a check, payable “to order” or “to bearer” as evidence of the credit obligation of the consumer. (b) Any holder of an instrument prohibited by subsection (a) of…

(a) With respect to a consumer credit sale, an assignee of the rights of the seller or lessor is subject to all claims and defenses of the consumer or lessee arising out of the sale notwithstanding any terms or agreements to the contrary, but the assignee’s liability under this s…

(a) A lender who makes a direct installment loan for the purpose of enabling a consumer to purchase goods or services is subject to all claims and defenses of the consumer against the seller arising out of the purchase of the goods or service if such lender acts at the express re…

With respect to a consumer credit sale, the seller or lessor may not give or offer to give a rebate or discount or otherwise pay or offer to pay value to the buyer or lessee as an inducement for a sale or lease in consideration of his giving to the seller or lessor the names of p…

(a) As used in this section, “home solicitation sale” means a cash sale or a consumer credit sale of goods, other than farm equipment, or services in which the seller or a person acting for him engages in a personal solicitation of the sale at or near a residence of the buyer and…

(a) This section applies to actions or other proceedings to enforce rights arising from consumer credit sales, consumer leases, and direct installment loans (other than a loan directly secured on real estate or a direct motor vehicle installment loan covered by Chapter 36 of Titl…

(a) The remedies provided by this section shall be liberally administered to the end that the consumer as the aggrieved party shall be put in at least as good a position as if the creditor had fully complied with this chapter. Except as is otherwise specifically provided where th…

(a) This section applies to conduct and practices in connection with the collection of obligations arising from any consumer debt (other than a loan directly secured on real estate or a direct motor vehicle installment loan covered by Chapter 36 of this title). (b) As used in thi…

(a) As used in this section — (1) “Commissioner” [“Mayor”] means the Commissioner of the District of Columbia [Mayor of the District of Columbia] or his designated agent; (b) Compliance with the requirements imposed under this chapter shall be enforced by the Commissioner [Mayor]…

If any provision of law or regulation promulgated thereunder is inconsistent with this chapter, this chapter shall govern, unless this chapter or the inconsistent provision of the other laws specifically provides otherwise.

(a) As used in this section, the term — (1) “health spa” means a proposed or existing location or organization with indoor or outdoor facilities for physical sport, exercise, training, or therapy or rehabilitation. It does not include any location, the primary activity of which i…

As used in this section the term: (1) “consumer goods” means chattels owned, used, or bought by an individual for personal, family, or household purposes. The term consumer goods does not include goods acquired for commercial or business use or resale; (2) “layaway plan” means a …

As used in this section the term or terms: (1) “Fee” means any fee, commission, charge, deposit, down payment or other valuable consideration, including any fee or charge for a credit check or consultation. (2) “Rental housing locator” or “locator” means any person who for a fee …

(a) For purposes of this subchapter, the term: (1)(A) "Breach of the security of the system" means unauthorized acquisition of computerized or other electronic data or any equipment or device storing such data that compromises the security, confidentiality, or integrity of person…

(a) Any person or entity who conducts business in the District of Columbia, and who, in the course of such business, owns or licenses computerized or other electronic data that includes personal information, and who discovers a breach of the security of the system, shall promptly…

(a) [Repealed]. (b) A violation of this subchapter, or any rule issued pursuant to the authority of this subchapter, is an unfair or deceptive trade practice pursuant to § 28-3904(kk). (c) The rights and remedies available under this section are cumulative to each other and to an…

For the purposes of this subchapter, the term: (1) “Consumer” means an individual who resides in the District of Columbia. (2) "Credit report" means any written, oral, or other communication of any information by a credit reporting agency bearing on a consumer's creditworthiness,…

(a) A credit reporting agency shall place a security freeze on a consumer’s credit report if a consumer, providing proper identification, makes a request to the credit reporting agency by certified mail. In addition, on or before January 31, 2009, a credit reporting agency shall …

Each time a credit reporting agency provides a consumer with a copy of the consumer’s credit report under section 609 of the Fair Credit Reporting Act, approved October 26, 1970 (84 Stat. 1131; 15 U.S.C. § 1681g ), the credit reporting agency shall include the following notice wi…

(a) A credit reporting agency that discovers a security breach of credit information in violation of a security freeze shall provide written notice to the affected consumer of the security breach of credit information in accordance with Subchapter II [of this chapter]. (b) If a c…

(a)(1) If a consumer reports in good faith that the consumer has experienced financial hardship resulting directly or indirectly from a public health emergency declared pursuant to § 7-2304.01, a credit reporting agency maintaining a file on the consumer shall accept and include …

(a) To protect personal information from unauthorized access, use, modification, disclosure, or a reasonably anticipated hazard or threat, a person or entity that owns, licenses, maintains, handles, or otherwise possesses personal information of an individual residing in the Dist…

When a person or entity experiences a breach of the security of the system that requires notification under § 28-3852(a) or (b), and such breach includes or is reasonably believed to include a social security number or taxpayer identification number, the person or entity shall of…

The Attorney General for the District of Columbia, pursuant to [Chapter 5 of Title 2], may issue rules to implement the notification provisions pursuant to § 28-3852(b-1).