{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2026\/code-json\/6.2-1527.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2026\/code-text\/6.2-1527.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2026\/code-xml\/6.2-1527.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2026\/code-html\/6.2-1527.html"}],"law_id":373868,"edition_id":2,"section_id":373868,"structure_id":53189,"section_number":"6.2-1527","catch_line":"Liens on household furniture","history":"Code 1950, \u00a7 6-318; 1966, c. 584, \u00a7 6.1-289; 2010, c. 794; 2020, c. 900.","full_text":"No chattel mortgage or other lien on household furniture then in the possession and use of the borrower given to secure any loan made by a licensee shall be valid unless it is in writing, signed in person by the borrower, and not by an attorney, or if the borrower is married unless it is signed in person by both spouses, and not by an attorney. Written assent of a spouse shall not be required when the spouses have been living separate and apart for a period of at least five months prior to the giving of the mortgage or lien.\n\n","order_by":null,"text":{"0":{"id":1395376,"text":"No chattel mortgage or other lien on household furniture then in the possession and use of the borrower given to secure any loan made by a licensee shall be valid unless it is in writing, signed in person by the borrower, and not by an attorney, or if the borrower is married unless it is signed in person by both spouses, and not by an attorney. Written assent of a spouse shall not be required when the spouses have been living separate and apart for a period of at least five months prior to the giving of the mortgage or lien.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":53189,"edition_id":2,"name":"Consumer Finance Companies","identifier":"15","label":"chapter","depth":3,"order_by":1,"parent_id":53187,"metadata":{"child_laws":48,"child_structures":0},"date_created":"2026-08-02 03:12:19","date_modified":"2026-08-02 12:28:07","permalink":{"id":1492815,"object_type":"structure","relational_id":53189,"identifier":"15","token":"6.2\/III\/15","url":"\/6.2\/III\/15\/","edition_id":2,"permalink":0,"preferred":1}},{"id":53187,"edition_id":2,"name":"Other Regulated Providers of Financial Services","identifier":"III","label":"subtitle","depth":2,"order_by":3,"parent_id":53152,"metadata":{"child_laws":332,"child_structures":12},"date_created":"2026-08-02 03:12:17","date_modified":"2026-08-02 12:28:07","permalink":{"id":1492723,"object_type":"structure","relational_id":53187,"identifier":"III","token":"6.2\/III","url":"\/6.2\/III\/","edition_id":2,"permalink":0,"preferred":1}},{"id":53152,"edition_id":2,"name":"Financial Institutions and Services","identifier":"6.2","label":"title","depth":1,"order_by":10,"parent_id":null,"metadata":{"child_laws":961,"child_structures":89},"date_created":"2026-08-02 03:11:41","date_modified":"2026-08-02 12:27:53","permalink":{"id":1490251,"object_type":"structure","relational_id":53152,"identifier":"6.2","token":"6.2","url":"\/6.2\/","edition_id":2,"permalink":0,"preferred":1}}],"structure_contents":[{"id":373837,"structure_id":53189,"section_number":"6.2-1500","catch_line":"Definitions","url":"\/6.2-1500\/","token":"6.2\/III\/15\/6.2-1500","metadata":false},{"id":373838,"structure_id":53189,"section_number":"6.2-1501","catch_line":"Compliance with chapter; license required; attempts to evade application of chapter","url":"\/6.2-1501\/","token":"6.2\/III\/15\/6.2-1501","metadata":false},{"id":373839,"structure_id":53189,"section_number":"6.2-1502","catch_line":"Certain persons ineligible as licensees; exception for subsidiaries","url":"\/6.2-1502\/","token":"6.2\/III\/15\/6.2-1502","metadata":false},{"id":373840,"structure_id":53189,"section_number":"6.2-1503","catch_line":"Scope of chapter","url":"\/6.2-1503\/","token":"6.2\/III\/15\/6.2-1503","metadata":{"court_decisions":""}},{"id":373841,"structure_id":53189,"section_number":"6.2-1504","catch_line":"Restrictions on name","url":"\/6.2-1504\/","token":"6.2\/III\/15\/6.2-1504","metadata":{"court_decisions":""}},{"id":373842,"structure_id":53189,"section_number":"6.2-1505","catch_line":"Application for license; application fee","url":"\/6.2-1505\/","token":"6.2\/III\/15\/6.2-1505","metadata":false},{"id":373843,"structure_id":53189,"section_number":"6.2-1506","catch_line":"Investigation of application","url":"\/6.2-1506\/","token":"6.2\/III\/15\/6.2-1506","metadata":{"court_decisions":""}},{"id":373844,"structure_id":53189,"section_number":"6.2-1507","catch_line":"Issuance of license","url":"\/6.2-1507\/","token":"6.2\/III\/15\/6.2-1507","metadata":{"court_decisions":""}},{"id":373846,"structure_id":53189,"section_number":"6.2-1508","catch_line":"Notices to Commission","url":"\/6.2-1508\/","token":"6.2\/III\/15\/6.2-1508","metadata":false},{"id":373845,"structure_id":53189,"section_number":"6.2-1508.1","catch_line":"Additional offices; relocation of offices","url":"\/6.2-1508.1\/","token":"6.2\/III\/15\/6.2-1508.1","metadata":false},{"id":373847,"structure_id":53189,"section_number":"6.2-1509","catch_line":"Contents, posting, transfer, and duration of license","url":"\/6.2-1509\/","token":"6.2\/III\/15\/6.2-1509","metadata":false},{"id":373848,"structure_id":53189,"section_number":"6.2-1510","catch_line":"Acquisition of control; application","url":"\/6.2-1510\/","token":"6.2\/III\/15\/6.2-1510","metadata":false},{"id":373849,"structure_id":53189,"section_number":"6.2-1511","catch_line":"Revocation of license","url":"\/6.2-1511\/","token":"6.2\/III\/15\/6.2-1511","metadata":{"court_decisions":""}},{"id":373850,"structure_id":53189,"section_number":"6.2-1512","catch_line":"Suspension of license","url":"\/6.2-1512\/","token":"6.2\/III\/15\/6.2-1512","metadata":false},{"id":373851,"structure_id":53189,"section_number":"6.2-1513","catch_line":"Record and notice of revocation or suspension","url":"\/6.2-1513\/","token":"6.2\/III\/15\/6.2-1513","metadata":{"court_decisions":""}},{"id":373852,"structure_id":53189,"section_number":"6.2-1514","catch_line":"Surrender of license","url":"\/6.2-1514\/","token":"6.2\/III\/15\/6.2-1514","metadata":false},{"id":373853,"structure_id":53189,"section_number":"6.2-1515","catch_line":"Effect of license revocation, suspension, or surrender","url":"\/6.2-1515\/","token":"6.2\/III\/15\/6.2-1515","metadata":false},{"id":373854,"structure_id":53189,"section_number":"6.2-1516","catch_line":"Reinstatement of license","url":"\/6.2-1516\/","token":"6.2\/III\/15\/6.2-1516","metadata":false},{"id":373855,"structure_id":53189,"section_number":"6.2-1517","catch_line":"Place of business generally","url":"\/6.2-1517\/","token":"6.2\/III\/15\/6.2-1517","metadata":false},{"id":373856,"structure_id":53189,"section_number":"6.2-1518","catch_line":"Notice of conduct of other business in same place of business; fee","url":"\/6.2-1518\/","token":"6.2\/III\/15\/6.2-1518","metadata":{"court_decisions":""}},{"id":373857,"structure_id":53189,"section_number":"6.2-1519","catch_line":"Changing place of business","url":"\/6.2-1519\/","token":"6.2\/III\/15\/6.2-1519","metadata":false},{"id":373858,"structure_id":53189,"section_number":"6.2-1520","catch_line":"Rate of interest; late charges; processing fees","url":"\/6.2-1520\/","token":"6.2\/III\/15\/6.2-1520","metadata":{"court_decisions":""}},{"id":373859,"structure_id":53189,"section_number":"6.2-1521","catch_line":"Post-judgment charges","url":"\/6.2-1521\/","token":"6.2\/III\/15\/6.2-1521","metadata":{"court_decisions":""}},{"id":373860,"structure_id":53189,"section_number":"6.2-1522","catch_line":"Other limitations on interest","url":"\/6.2-1522\/","token":"6.2\/III\/15\/6.2-1522","metadata":{"court_decisions":""}},{"id":373864,"structure_id":53189,"section_number":"6.2-1523","catch_line":"Additional charges prohibited; exceptions","url":"\/6.2-1523\/","token":"6.2\/III\/15\/6.2-1523","metadata":{"court_decisions":""}},{"id":373861,"structure_id":53189,"section_number":"6.2-1523.1","catch_line":"(Effective July 1, 2026) Access partners","url":"\/6.2-1523.1\/","token":"6.2\/III\/15\/6.2-1523.1","metadata":false},{"id":373862,"structure_id":53189,"section_number":"6.2-1523.2","catch_line":"Application of chapter to Internet loans","url":"\/6.2-1523.2\/","token":"6.2\/III\/15\/6.2-1523.2","metadata":{"court_decisions":""}},{"id":373863,"structure_id":53189,"section_number":"6.2-1523.3","catch_line":"Bond required","url":"\/6.2-1523.3\/","token":"6.2\/III\/15\/6.2-1523.3","metadata":false},{"id":373865,"structure_id":53189,"section_number":"6.2-1524","catch_line":"Required and prohibited activities and conduct","url":"\/6.2-1524\/","token":"6.2\/III\/15\/6.2-1524","metadata":{"court_decisions":""}},{"id":373866,"structure_id":53189,"section_number":"6.2-1525","catch_line":"Wage purchases","url":"\/6.2-1525\/","token":"6.2\/III\/15\/6.2-1525","metadata":{"court_decisions":""}},{"id":373867,"structure_id":53189,"section_number":"6.2-1526","catch_line":"Wage assignments","url":"\/6.2-1526\/","token":"6.2\/III\/15\/6.2-1526","metadata":false},{"id":373868,"structure_id":53189,"section_number":"6.2-1527","catch_line":"Liens on household furniture","url":"\/6.2-1527\/","token":"6.2\/III\/15\/6.2-1527","metadata":false},{"id":373869,"structure_id":53189,"section_number":"6.2-1528","catch_line":"Exemptions unimpaired","url":"\/6.2-1528\/","token":"6.2\/III\/15\/6.2-1528","metadata":false},{"id":373870,"structure_id":53189,"section_number":"6.2-1529","catch_line":"Collection of loans made outside Commonwealth","url":"\/6.2-1529\/","token":"6.2\/III\/15\/6.2-1529","metadata":{"court_decisions":""}},{"id":373871,"structure_id":53189,"section_number":"6.2-1530","catch_line":"Investigations; immunities","url":"\/6.2-1530\/","token":"6.2\/III\/15\/6.2-1530","metadata":false},{"id":373872,"structure_id":53189,"section_number":"6.2-1531","catch_line":"Examination","url":"\/6.2-1531\/","token":"6.2\/III\/15\/6.2-1531","metadata":{"court_decisions":""}},{"id":373873,"structure_id":53189,"section_number":"6.2-1532","catch_line":"Fees for examination, supervision and regulation","url":"\/6.2-1532\/","token":"6.2\/III\/15\/6.2-1532","metadata":{"court_decisions":""}},{"id":373874,"structure_id":53189,"section_number":"6.2-1533","catch_line":"Books, accounts, and records; pledge or deposit of notes and securities","url":"\/6.2-1533\/","token":"6.2\/III\/15\/6.2-1533","metadata":{"court_decisions":""}},{"id":373875,"structure_id":53189,"section_number":"6.2-1534","catch_line":"Annual reports","url":"\/6.2-1534\/","token":"6.2\/III\/15\/6.2-1534","metadata":false},{"id":373876,"structure_id":53189,"section_number":"6.2-1535","catch_line":"Regulations and orders","url":"\/6.2-1535\/","token":"6.2\/III\/15\/6.2-1535","metadata":{"court_decisions":""}},{"id":373877,"structure_id":53189,"section_number":"6.2-1536","catch_line":"Disclosures in connection with sale of securities","url":"\/6.2-1536\/","token":"6.2\/III\/15\/6.2-1536","metadata":{"court_decisions":""}},{"id":373878,"structure_id":53189,"section_number":"6.2-1537","catch_line":"Authority of Attorney General; impoundment of property and receivership","url":"\/6.2-1537\/","token":"6.2\/III\/15\/6.2-1537","metadata":false},{"id":373879,"structure_id":53189,"section_number":"6.2-1538","catch_line":"Copies of orders or licenses","url":"\/6.2-1538\/","token":"6.2\/III\/15\/6.2-1538","metadata":false},{"id":373880,"structure_id":53189,"section_number":"6.2-1539","catch_line":"Review by Commission","url":"\/6.2-1539\/","token":"6.2\/III\/15\/6.2-1539","metadata":{"court_decisions":""}},{"id":373881,"structure_id":53189,"section_number":"6.2-1540","catch_line":"Criminal penalties","url":"\/6.2-1540\/","token":"6.2\/III\/15\/6.2-1540","metadata":{"court_decisions":""}},{"id":373882,"structure_id":53189,"section_number":"6.2-1541","catch_line":"Unlawful contracts void; recovery of amounts paid","url":"\/6.2-1541\/","token":"6.2\/III\/15\/6.2-1541","metadata":{"court_decisions":{"0":{"name":"Taylor v. Allied Title Lending, LLC (In re Taylor)","case_number":"Case No. 17-30142-KRH; Adv. Pro. No. 18-03003-KRH","citation":"594 B.R. 643","date":"2018-11-20","url":"https:\/\/www.courtlistener.com\/opinion\/8529331\/taylor-v-allied-title-lending-llc-in-re-taylor\/","abstract":" .\u202f.\u202f. Kevin R. Huennekens, UNITED STATES BANKRUPTCY JUDGE .\u202f.\u202f. ","court_html":"United States Bankruptcy Court, E.D. Virginia"},"1":{"name":"Gibbs v. Haynes Invs., LLC","case_number":"Civil Action No. 3:18cv48","citation":"368 F. Supp. 3d 901","date":"2019-03-22","url":"https:\/\/www.courtlistener.com\/opinion\/7334960\/gibbs-v-haynes-invs-llc\/","abstract":" .\u202f.\u202f. As to Plain Green, Plaintiffs allege that the Haynes Defendants, in conjunction with other actors .\u202f.\u202f. ","court_html":"District Court, E.D. Virginia"}}}},{"id":373883,"structure_id":53189,"section_number":"6.2-1542","catch_line":"Duty to refund unauthorized or excess charges; liability to borrower for penalty","url":"\/6.2-1542\/","token":"6.2\/III\/15\/6.2-1542","metadata":false},{"id":373884,"structure_id":53189,"section_number":"6.2-1543","catch_line":"Civil penalties","url":"\/6.2-1543\/","token":"6.2\/III\/15\/6.2-1543","metadata":false}],"previous_section":{"id":373867,"structure_id":53189,"section_number":"6.2-1526","catch_line":"Wage assignments","url":"\/6.2-1526\/","token":"6.2\/III\/15\/6.2-1526","metadata":false},"next_section":{"id":373869,"structure_id":53189,"section_number":"6.2-1528","catch_line":"Exemptions unimpaired","url":"\/6.2-1528\/","token":"6.2\/III\/15\/6.2-1528","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/6.2-1527\/","history_text":"<p>The record of this law\u2019s original creation isn\u2019t available online. It has been modified 3 times. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. Those modifications are as follows: in 1966, chapter 584; in 2010, chapter <a href=\"https:\/\/legacylis.virginia.gov\/cgi-bin\/legp604.exe?101+ful+CHAP0794\">794<\/a>; in 2020, chapter <a href=\"https:\/\/legacylis.virginia.gov\/cgi-bin\/legp604.exe?201+ful+CHAP0900\">900<\/a>.<\/p>","references":[{"id":373869,"section_number":"6.2-1528","catch_line":"Exemptions unimpaired","order_by":null,"url":"\/6.2-1528\/"}],"refers_to":false,"permalink":{"id":1492941,"object_type":"law","relational_id":373868,"identifier":"6.2-1527","token":"6.2\/III\/15\/6.2-1527","url":"\/6.2-1527\/","edition_id":2,"permalink":0,"preferred":1},"url":"\/6.2-1527\/","token":"6.2\/III\/15\/6.2-1527","dublin_core":{"Title":"Liens on household furniture","Type":"Text","Format":"text\/html","Identifier":"\u00a7 6.2-1527","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section><p>No chattel mortgage or other <span class=\"dictionary\">lien<\/span> on household furniture then in the <span class=\"dictionary\">possession<\/span> and use of the borrower given to secure any loan made by a <span class=\"dictionary\">licensee<\/span> shall be valid unless it is in writing, signed in <span class=\"dictionary\">person<\/span> by the borrower, and not by an attorney, or if the borrower is married unless it is signed in <span class=\"dictionary\">person<\/span> by both spouses, and not by an attorney. Written assent of a spouse shall not be required when the spouses have been living separate and apart for a period of at least five months prior to the giving of the mortgage or <span class=\"dictionary\">lien<\/span>.<\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nLIENS ON HOUSEHOLD FURNITURE (\u00a7 6.2-1527)\n\nNo chattel mortgage or other lien on household furniture then in the possession\nand use of the borrower given to secure any loan made by a licensee shall be\nvalid unless it is in writing, signed in person by the borrower, and not by an\nattorney, or if the borrower is married unless it is signed in person by both\nspouses, and not by an attorney. Written assent of a spouse shall not be\nrequired when the spouses have been living separate and apart for a period of at\nleast five months prior to the giving of the mortgage or lien.\n\nHISTORY: Code 1950, \u00a7 6-318; 1966, c. 584, \u00a7 6.1-289; 2010, c. 794; 2020, c.\n900.","edition":{"id":2,"name":"2026","slug":"2026","date_created":"2026-07-16 18:40:23","date_modified":"2026-08-02 15:14:36","current":1,"order_by":2,"last_import":"2026-08-02 12:37:30"}}