Motor Vehicle Title Loans

This is the 2026 edition of the code. This is the current edition. It was last updated Aug 02, 2026. Browse all editions.

This is Chapter 22 of the Code of Virginia, titled “Motor Vehicle Title Loans.” It is part of Subtitle III “Other Regulated Providers of Financial Services”, which is part of Title 6.2 “Financial Institutions and Services”. It contains 35 laws.

It’s comprised of the following 35 sections.

§ 6.2-2200	Definitions
§ 6.2-2201	License required
§ 6.2-2202	Scope of chapter
§ 6.2-2203	Application for license; form; content; fee
§ 6.2-2204	Bond required
§ 6.2-2205	Investigation of applications
§ 6.2-2206	Qualifications
§ 6.2-2207	Licenses; places of business; changes
§ 6.2-2208	Acquisition of control; application
§ 6.2-2209	Retention of books, accounts, and records
§ 6.2-2210	Annual report
§ 6.2-2211	Other reporting requirements
§ 6.2-2212	Investigations; examinations
§ 6.2-2213	Annual fees
§ 6.2-2214	Regulations
§ 6.2-2215	Required and prohibited business methods
§ 6.2-2215.1	Loan terms and conditions
§ 6.2-2216	Authorized fees and charges
§ 6.2-2216.1	Inflation adjustment of maximum monthly maintenance fee
§ 6.2-2216.2	Refinancing of motor vehicle title loan
§ 6.2-2216.3	Statement of balance due; repayment and refunds
§ 6.2-2216.4	Restriction on certain fees and charges
§ 6.2-2216.5	Verification of borrower's income
§ 6.2-2217	Limited recourse; repossession and sale of motor vehicle
§ 6.2-2218	Advertising
§ 6.2-2218.1	Other business
§ 6.2-2219	Suspension or revocation of license
§ 6.2-2220	Cease and desist orders
§ 6.2-2221	Notice of proposed suspension or revocation
§ 6.2-2222	Fines for violations
§ 6.2-2223	Criminal penalty
§ 6.2-2224	Validity of noncompliant loan agreement; private right of action
§ 6.2-2225	Application of chapter to Internet loans
§ 6.2-2226	Authority of Attorney General; referral by Commission to Attorney General
§ 6.2-2227	Violation of the Virginia Consumer Protection Act