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South Carolina Statutes, Title 37

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Title 37, Consumer Protection Code

21 chapters · 416 sections in this title.

All chapters in Title 37416 Ch 2, Title 37, Chapter 268 Ch 6, Title 37, Chapter 665 Ch 3, Title 37, Chapter 358 Ch 4, Title 37, Chapter 426 Ch 7, Title 37, Chapter 722 Ch 5, Title 37, Chapter 521 Ch 11, Title 37, Chapter 1119 Ch 22, Title 37, Chapter 2217 Ch 1, Title 37, Chapter 116 Ch 17, Title 37, Chapter 1714 Ch 20, Title 37, Chapter 2011 Ch 23, Title 37, Chapter 2311 Ch 15, Title 37, Chapter 1510 Ch 21, Title 37, Chapter 2110

8 sections·Filtered byTitle 37✕Ch 30✕

S.C. Code Ann. § 37-30-100 Purpose of chapter
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(A) The purpose of this chapter is to provide a framework within which guaranteed asset protection (GAP) waivers are defined and may be offered within this State. (B) This chapter does not apply to: (1) an insurance policy offered by an insurer under Title 38; or (2) a debt cance…
S.C. Code Ann. § 37-30-110 Definitions
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For purposes of this chapter: (1) "Borrower" means a debtor, retail buyer, or lessee under a finance agreement. (2) "Creditor" means a person, who in connection with the initial financing of the sale, or leasing, of a motor vehicle, is: (a) a lender in a loan or credit transactio…
S.C. Code Ann. § 37-30-120 Offering and sale of GAP waivers in state
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(A) The offering and sale of GAP waivers in this State are subject to the provisions of this chapter. (B) GAP waivers, at the option of the creditor, may be sold for a single payment or may be offered with a monthly or periodic payment option. (C) Notwithstanding another provisio…
S.C. Code Ann. § 37-30-130 Insurance policy insuring a GAP waiver

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(A) A contractual liability or other insurance policy insuring a GAP waiver must state the obligation of the insurer to reimburse or pay to the creditor any sums the creditor is legally obligated to waive under the GAP waiver issued by the creditor and purchased or held by the bo…

S.C. Code Ann. § 37-30-140 GAP waiver disclosures

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(A) A GAP waiver must include the following terms in clear, easily understandable language: (1) the name and address of the initial creditor and the borrower at the time of sale and the identity of any manager if different from the creditor; (2) the purchase price and the terms o…

S.C. Code Ann. § 37-30-150 Cancellation of GAP waiver

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(A)(1) A GAP waiver must include a term stating that if a borrower cancels the waiver within the free-look period, the borrower is entitled to a full refund if no benefits have been provided under the GAP waiver. (2) A creditor may not charge a fee to a borrower related to the ca…

S.C. Code Ann. § 37-30-160 Enforcement of chapter

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Pursuant to Chapter 6, Title 37, the Administrator of the Department of Consumer Affairs may take action necessary to enforce the provisions of this chapter and to protect GAP waiver holders in this State.

S.C. Code Ann. § 37-30-175 Civil actions

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A consumer who suffers loss by reason of a violation of this chapter may bring a civil action to enforce the provisions, and if successful in the action, shall recover actual damages, reasonable attorney's fees, and court costs incurred by bringing the action.