Sec. 10. 9-A MRSA §10-401, first ¶, as amended by PL 1993, c. 495, §5, is further amended to read:

Any credit services organization or loan officers of any credit services organization that violates violate any provision of this Title or any rule issued by the administrator, or that through any unfair, unconscionable or deceptive practice causes cause actual damage to a consumer, is are subject to the following:

Sec. 11. 9-A MRSA §10-401, sub-§4, as amended by PL 1993, c. 495, §5, is further amended to read:

4. A civil action by an aggrieved consumer in which that consumer has the right to recover actual damages from the credit services organization or its loan officers in an amount determined by the court, plus costs of the action together with reasonable attorney's fees; and

Sec. 12. Appropriations and allocations. The following appropriations and allocations are made.

PROFESSIONAL AND FINANCIAL REGULATION, DEPARTMENT OF

Office of Consumer Credit Regulation 0091

Initiative: Allocates funds for a 1/2-time Senior Consumer Credit Examiner position and associated costs to register and track loan officers.

OTHER SPECIAL REVENUE FUNDS 2005-06 2006-07

POSITIONS - LEGISLATIVE COUNT 0.500 0.500

Personal Services $31,666 $34,107

All Other $11,834 $4,910

________ ________

OTHER SPECIAL REVENUE FUNDS TOTAL $43,500 $39,017