R.I. Gen. Laws § 6-28.1-4: Penalty for violation.

Anyone who violates any provision of this chapter shall be guilty of a misdemeanor. Any person, firm, or corporation, who or that has been found guilty, as previously stated, or any person, firm, or corporation acquiring derivative rights from someone found guilty shall be prohibited from maintaining any civil action for the recovery of any debt created as a result of the violation and shall issue a discharge of any encumbrance recorded on the real property securing the debt.