Massachusetts General Laws

Mass. Gen. Laws ch. 255B, § 22 (2026)

Violation of Secs. 9 to 14 or Secs. 18 to 20; effect

✓ current as of July 2026

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Section 22. A violation of sections nine to fourteen, inclusive, or eighteen to twenty, inclusive, by any person shall bar his recovery of any finance charge, delinquency or collection charge or refinancing charge on the retail instalment contract involved.

Notes of Decisions

Cited in 2 cases, 1994–2011 · leading case: Marine Midland Bank, NA v. Moran, 1994 Mass. App. Div. 167 (Mass. Dist. Ct., App. Div. 1994).

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Marine Midland Bank, NA v. Moran, 1994 Mass. App. Div. 167 (Mass. Dist. Ct., App. Div. 1994). “255B, §§9, 20A and 20B; and that the plaintiff was thus barred by G.L.c. 255B, §22 from recovering any finance, delinquency or collection charges in this action.”

Lopes v. Fafama Auto Sales, 76 U.C.C. Rep. Serv. 2d (West) 192 (Mass. Dist. Ct., App. Div. 2011). “255B, §21 (violation of chapter punished by fine or imprisonment); G.L.c. 255B, §22 (violation of §§9-14 bars recovery of finance, delinquency, collection, or refinancing charge); G.”

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