This session will focus on the how to use state and federal law to help victims of various types of predatory lending, including online lending, e-contracting, and using electronic fund transfers. The federal Electronic Funds Transfer Act and the federal E-Sign Act and Virginia’s Uniform Electronic Transactions Act set forth some core requirements which must be followed when conducting credit transactions electronically. Their requirements are very helpful against predatory lenders who simply fail to comply with these statutes, or who use the electronic world to abuse consumers.