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§ 8.01-465.33.(Effective July 1, 2027) Relation to Electronic Signatures in Global and National Commerce Act.

Chapter 17.4. Uniform Consumer Debt Default Judgments Act · Last amended 2026 · Last verified July 16, 2026

In one sentenceEffective July 1, 2027, this section aligns Chapter 17.4 with the federal E-SIGN Act by confirming the chapter can modify or supersede that law's general electronic-signature rules, while preserving the federal consumer-consent requirement in 15 U.S.C. § 7001(c) and refusing to authorize electronic delivery of the notices federal law excludes under 15 U.S.C. § 7003(b).

Full Text of § 8.01-465.33

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This chapter modifies, limits, or supersedes the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. § 7001 et seq., but shall not modify, limit, or supersede 15 U.S.C. § 7001(c) or authorize electronic delivery of any of the notices described in 15 U.S.C. § 7003(b).

Plain-English Summary

Federal law generally lets a state statute modify the default rules of the Electronic Signatures in Global and National Commerce Act, but only if the state law says so and respects certain federal limits. This section supplies that statement for Chapter 17.4: this chapter modifies, limits, or supersedes the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. § 7001 et seq.

Two federal protections survive that modification untouched. The chapter does not modify, limit, or supersede 15 U.S.C. § 7001(c), the federal provision protecting consumer consent to electronic records. And it does not authorize electronic delivery of any of the notices described in 15 U.S.C. § 7003(b) — a category of notices federal law treats as too important to deliver electronically without special safeguards, which would include the kind of default-judgment warning § 8.01-465.29 requires.

The result is narrow but important: the chapter's own definitions of “record,” “sign,” and “electronic” in § 8.01-465.26 accommodate electronic documents generally, but this section makes sure that accommodation does not quietly convert the consumer notice this chapter requires into something that can be emailed rather than delivered in a way federal consumer-protection law still requires.

Frequently Asked Questions

What does this section say about the federal E-SIGN Act?

That this chapter modifies, limits, or supersedes the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. § 7001 et seq.

What federal provision does this chapter not override?

15 U.S.C. § 7001(c), the federal consumer-consent protections for electronic records.

Does this section allow the § 8.01-465.29 consumer notice to be delivered electronically?

No, the section says it does not “authorize electronic delivery of any of the notices described in 15 U.S.C. § 7003(b),” a category that covers the kind of legal notices this chapter requires.

Why would a state consumer-protection chapter need to address a federal electronic-signatures law at all?

Because federal law generally lets state law modify the E-SIGN Act's default rules only if the state law meets certain conditions, so this section supplies the required statement.

Does this section define what “sign” or “electronic” mean under the chapter?

No, those terms are defined in § 8.01-465.26; this section addresses only the chapter's relationship to the federal E-SIGN Act.

Amendment History

2026, c. 395.

Source & verification. Section text and amendment history are reproduced verbatim from the Code of Virginia, published by the Code of Virginia, Virginia Division of Legislative Automated Systems. Last verified July 16, 2026. · Official source
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