On October 12, 2017, The West Virginia Supreme Court issued a decision in State of West Virginia ex rel. v. Copper Beech Townhome Communities Twenty-Six, LLC, No. 17-0228, holding that the West Virginia Consumer Credit Protection Act (“WVCCPA”) does not apply to relationships between a landlord and tenant under a lease for residential real property. In reaching its decision, the Court noted that “in the forty-three years since the [WV]CCPA was enacted, this case is the first occasion in which any party has asserted before this Court that the Act applies to and regulates the landlord-tenant relationship.” The Court reasoned:

A general lease of residential real property could not properly be characterized as either a “consumer credit sale” or as a “consumer loan.” (Emphasis added). The only potential category a residential lease of real property could fit into is a “consumer lease.” However, W.Va. Code § 46A-1102(14)(a) provides that a “consumer lease means a lease of goods.” (Emphasis added.) Clearly, a residential lease of real property made between a landlord and a tenant is not “a lease of goods.”

The Court was further unwilling to expand the plain language of the WVCCPA “[b]ecause the landlord-tenant relationship is so pervasively regulated” in other articles of West Virginia Code, exhibiting the lack of legislative intent for such a relationship to be governed by the provisions of the WVCCPA.