State Regulation:
Hawaii
HI ST § 481B-12
§ 481B-12 Credit repair organizations.
HAWAII REVISED STATUTES ANNOTATED
DIVISION 2. BUSINESS.
TITLE 26. TRADE REGULATION AND PRACTICE.
CHAPTER 481B. UNFAIR AND DECEPTIVE PRACTICES.
PART I. MISCELLANEOUS PROVISIONS.
§ 481B-12 Credit repair organizations.
(a) No person shall:
(1) Solicit or induce a consumer to pay money or other
valuable consideration based on false representations that
the person can erase, correct, repair, alter, or otherwise
modify an accurately reported consumer credit history;
(2) Solicit or induce a consumer to pay money or other
valuable consideration for the referral of a consumer to a
credit granting entity, if that person knows or has reason
to know that the consumer will be granted credit, if at all,
by the entity on substantially the same terms as those
available to the general public;
(3) Make or counsel or advise a consumer to make any
statement which is untrue or misleading or that the person
should know by the exercise of reasonable care to be untrue
or misleading, to a credit reporting agency or to any credit
granting entity with respect to that customer's credit
worthiness, credit standing, or credit capacity; or
(4) Provide advice or assistance with regard to any of the
foregoing activities.
(b) For the purposes of this section, 'consumer' means a
natural person acting in his or her own personal capacity.
(c) Any violation of this section shall constitute an unfair
or deceptive act or practice in the conduct of trade or
commerce under section 480-2.
(History. L 1989, c 152, § 1)
END OF DOCUMENT
HI ST § 480-2
§ 480-2 Unfair competition, practices, declared unlawful.
HRS § 480-2
HAWAII REVISED STATUTES ANNOTATED
DIVISION 2. BUSINESS.
TITLE 26. TRADE REGULATION AND PRACTICE.
CHAPTER 480. MONOPOLIES; RESTRAINT OF TRADE.
PART I. ANTITRUST PROVISIONS.
§ 480-2 Unfair competition, practices, declared unlawful.
(a) Unfair methods of competition and unfair or deceptive
acts or practices in the conduct of any trade or commerce
are unlawful.
(b) In construing this section, the courts and the office of
consumer protection shall give due consideration to the
rules, regulations, and decisions of the Federal Trade
Commission and the federal courts interpreting section
5(a)(1) of the Federal Trade Commission Act (15 U.S.C.
45(a)(1)), as from time to time amended.
(c) No showing that the proceeding or suit would be in the
public interest (as these terms are interpreted under
section 5(b) of the Federal Trade Commission Act) is
necessary in any action brought under this section.
(d) No person other than a consumer, the attorney general or
the director of the office of consumer protection may bring
an action based upon unfair or deceptive acts or practices
declared unlawful by this section.
(e) Any person may bring an action based on unfair methods
of competition declared unlawful by this section.
(History. L 1965, c 129, pt of § 1; Supp, § 205A-1.1; HRS §
480-2; am L 1987, c 274, § 2; am L 1988, c 51, § 1; am L
2002, c 229, § 2)
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