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Chapter 46 A     Entire Code


ARTICLE 1. SHORT TITLE, DEFINITIONS AND GENERAL PROVISIONS.

ARTICLE 2. CONSUMER CREDIT PROTECTION.

ARTICLE 2A. BREACH OF SECURITY OF CONSUMER INFORMATION.

ARTICLE 3. FINANCE CHARGES AND RELATED PROVISIONS.

ARTICLE 4. REGULATED CONSUMER LENDERS.

ARTICLE 5. CIVIL LIABILITY AND CRIMINAL PENALTIES.

ARTICLE 6. GENERAL CONSUMER PROTECTION.

ARTICLE 6A. CONSUMER PROTECTION--NEW MOTOR VEHICLE WARRANTIES.

ARTICLE 6B. CONSUMER PROTECTION--AUTOMOTIVE CRASH PARTS.

ARTICLE 6C. CREDIT SERVICES ORGANIZATIONS.

ARTICLE 6D. PRIZES AND GIFTS.

ARTICLE 6E. CONSUMER PROTECTION -- ASSISTIVE DEVICES.

ARTICLE 6F. TELEMARKETING.

ARTICLE 6G. ELECTRONIC MAIL PROTECTION ACT.

ARTICLE 6H. TRANSFERS OF RIGHT TO RECEIVE FUTURE PAYMENTS.

ARTICLE 6J. PROTECTION OF CONSUMERS FROM PRICE GOUGING AND UNFAIR PRICING PRACTICES DURING AND SHORTLY AFTER A STATE OF EMERGENCY.

ARTICLE 6K. GOOD FUNDS SETTLEMENT ACT.

ARTICLE 6L. THEFT OF CONSUMER IDENTITY PROTECTIONS.

ARTICLE 6M. STORM SCAMMER CONSUMER PROTECTION ACT.

ARTICLE 6N. CONSUMER LITIGATION FINANCING.

ARTICLE 7. ADMINISTRATION.

ARTICLE 8. OPERATIVE DATE AND PROVISIONS FOR TRANSITION.

ARTICLE 6I. CONSUMER PROTECTIONS IN ELECTRONIC TRANSACTIONS.

§46A-6I-1. Definitions.

(a) For purposes of this article, the terms herein have the meaning ascribed in section two, article one, chapter thirty-nine-a of this code.

(b) "Consumer transaction" means a transaction involving an individual with respect to or primarily affecting personal, family, household or agricultural purposes.

§46A-6I-2. Electronic response to electronic notices.

In a consumer transaction, when a consumer is required to provide notice to exercise or preserve the consumer's rights under any law, the consumer may exercise or preserve that right using the same method by which the consumer was provided with notice of that right.

§46A-6I-3. Receipt of electronic record.

Notwithstanding the provisions of article one, chapter thirty-nine-a of this code, in a consumer transaction, an electronic record is not sent to or received by a party if the sender has actual knowledge that such party did not actually receive the electronic record. In that case, the sender's sole obligation shall be to take reasonable steps to attempt redelivery using information in the sender's files. This redelivery requirement is satisfied if the sender sends the electronic record to a different electronic mail address or to a postal address the sender has on file.

§46A-6I-4. Electronic transferable records.

(a) In addition to the provisions of article one, chapter thirty-nine-a of this code, this section applies to transferable records in a consumer transaction.

(b) If payment is made to a person indicated to be in control of a transferable record, as described in section sixteen, article one of this chapter, by a system employed for evidencing the transfer of interest in the transferable records, then the obligor is discharged to the extent of the payment as permitted by article three, chapter forty-six of this code.

§46A-6I-5. Relationship with federal and state law.

The requirements of this article are intended to supplement, not to modify, limit, or supersede, the requirements of the federal Electronic Signatures in Global and National Commerce Act, Public Law No. 106-229, 15 U.S.C. 7001 or article one of this chapter.

§46A-6I-6. Waiver.

In consumer transactions, the rules and requirements set out in this article may not be changed by agreement of the parties.

§46A-6I-7. Severability.

If any provision of this article be found by a court of competent jurisdiction to be unenforceable under the Constitution of this state or the laws and Constitutions of the United States, the remaining provisions of this article shall be severable and shall continue in full force and effect.

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