WVC 46 A- 1 - 104
(1) This chapter applies if a consumer, who is a resident of
this state, is induced to enter into a consumer credit sale made
pursuant to a revolving charge account, to enter into a revolving
charge account, to enter into a consumer loan made pursuant to a
revolving loan account, or to enter into a consumer lease, by
personal or mail solicitation, and the goods, services or proceeds
are delivered to the consumer in this state, and payment on such
account is to be made from this state.
(2) With respect to consumer credit sales or consumer loans
consummated in another state, a creditor may not collect in an
action brought in this state a sales finance charge or loan finance
charge in excess of that permitted by this chapter.