---
type: "Bill"
title: "Relating to WV Consumer Credit and Protection Act"
description: "Relating to WV Consumer Credit and Protection Act"
jurisdiction: "us/states/wv"
legislature: "West Virginia Legislature"
session: "2021"
identifier: "SB 401"
citation: "West Virginia SB 401 (2021)"
classification: ["bill"]
subjects: ["Consumer Protection"]
status: "enacted"
primary_sponsors: ["Nelson"]
version_count: 4
action_count: 34
vote_count: 1
first_action: "2021-02-23"
last_action: "2021-05-24"
source: "openstates"
source_identifier: "ocd-bill/97c78b75-2480-4a6f-8319-43a7a74d43a8"
source_url: "http://www.legis.state.wv.us/Bill_Status/Bills_history.cfm?input=401&year=2021&sessiontype=RS&btype=bill"
source_hash: "625edc3aacebe5f8b9dc8032f3c1f6826875afb2980dae5e33990eb16eba5833"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-wv"]
---

# West Virginia SB 401 (2021) — Relating to WV Consumer Credit and Protection Act

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Committee Substitute** (committee substitute) — [source](http://www.legis.state.wv.us/Bill_Status/bills_text.cfm?billdoc=SB401%20SUB1.htm&yr=2021&sesstype=RS&i=401)
2. **Enrolled Committee Substitute** (committee substitute) — [source](http://www.legis.state.wv.us/Bill_Status/bills_text.cfm?billdoc=SB401%20SUB1%20ENR.htm&yr=2021&sesstype=RS&i=401)
3. **Introduced Version** (committee substitute) — [source](http://www.legis.state.wv.us/Bill_Status/bills_text.cfm?billdoc=SB401%20INTR.htm&yr=2021&sesstype=RS&i=401)
4. **SB401 SFAT _1 TRUMP 3-27 adopted.htm** (committee substitute) — [source](http://www.legis.state.wv.us/legisdocs/chamber/2021/RS/floor_amends/SB401 SFAT _1 TRUMP 3-27 adopted.htm)

## Votes

- Passage — **0–0** (fail) · upper

## Sponsors

- Nelson — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2021-02-23** Filed for introduction `filing`
- **2021-02-23** To Judiciary `referral-committee`
- **2021-02-23** Introduced in Senate `introduction`
- **2021-02-23** To Judiciary `referral-committee`
- **2021-03-25** Committee substitute reported
- **2021-03-26** On 1st reading
- **2021-03-26** Read 1st time `reading-1`
- **2021-03-27** On 2nd reading
- **2021-03-27** Read 2nd time `reading-2`
- **2021-03-29** On 3rd reading
- **2021-03-29** Read 3rd time `reading-3`
- **2021-03-29** Passed Senate with amended title (Roll No. 226) `passage`
- **2021-03-29** Ordered to House
- **2021-03-30** Introduced in House `introduction`
- **2021-03-30** To Judiciary `referral-committee`
- **2021-03-30** To House Judiciary `referral-committee`
- **2021-04-01** Do pass
- **2021-04-02** On 1st reading, Special Calendar
- **2021-04-02** Read 1st time `reading-1`
- **2021-04-05** On 2nd reading, Special Calendar
- **2021-04-05** Read 2nd time `reading-2`
- **2021-04-06** On 3rd reading, Special Calendar
- **2021-04-06** Read 3rd time `reading-3`
- **2021-04-06** Passed House (Roll No. 459) `passage`
- **2021-04-06** Communicated to Senate
- **2021-04-06** Completed legislative action
- **2021-04-07** House Message received
- **2021-04-14** To Governor 4/14/21 `executive-receipt`
- **2021-04-10** To Governor 4/14/21 - Senate Journal `executive-receipt`
- **2021-04-10** To Governor 4/14/21 - House Journal `executive-receipt`
- **2021-04-26** Approved by Governor 4/26/21 `executive-signature`
- **2021-04-10** Approved by Governor 4/26/21 - Senate Journal
- **2021-04-10** Approved by Governor 4/26/21 - House Journal
- **2021-05-24** Chapter 62, Acts, Regular Session, 2021

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/97c78b75-2480-4a6f-8319-43a7a74d43a8`. Confidence: reported (aggregated from official West Virginia legislature records).