R.I. Gen. Laws § 6-30-4: 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 of violating any provision of this chapter 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 through the use of the credit card.