{"data":{"id":"us-sc/s.c.-code-ann.-37-7-117","jurisdiction":"us-sc","citation":"S.C. Code Ann. § 37-7-117","heading":"Violations and penalties; civil action by consumer; limitations.","body":"(A) A person who violates this chapter is guilty of a misdemeanor and, upon conviction, must be fined not more than five hundred dollars or imprisoned not more than six months, or both. If it is determined by a court of competent jurisdiction that a violation is wilful, the court may impose a fine of not less than five hundred fifty dollars for each violation.\n(B) A consumer injured or damaged by an act in violation of this chapter or regulation promulgated pursuant to it, whether or not there is a criminal conviction for the violation, may file a civil action to recover damages based on the violation with the following available remedies:\n(1) actual damages;\n(2) punitive damages; and\n(3) the costs of the action, including reasonable attorney's fees.\n(C) An action brought pursuant to this chapter must be commenced within three years from the latest of the:\n(1) consumer's last transmission of funds to the credit counseling organization;\n(2) credit counseling organization's last disbursement to the consumer's creditors;\n(3) credit counseling organization's last accounting to the consumer; or\n(4) date on which the consumer reasonably discovered or reasonably should have discovered the facts giving rise to the consumer's claim.","path":["Title 37 - CONSUMER PROTECTION CODE","CHAPTER 7 Consumer Credit Counseling"],"source_url":"https://www.scstatehouse.gov/code/t37c007.php","current_through":"2025 Session of the General Assembly","vintage":"","retrieved_at":"2026-09-02T07:09:39Z","sha256":"ac1ffd1e9854ec3a07902186cd67ab0dacdcb84ea7013d619dc00160deb2f3fa","source_id":"us-sc","stale":false,"prev":"us-sc/s.c.-code-ann.-37-7-116","next":"us-sc/s.c.-code-ann.-37-7-118"},"notice":"GroundRules: Original legal text. Not legal advice."}