Sec. 14. 9-A MRSA §10-401, as amended by PL 1993, c. 495, §5, is further amended to read:

§10-401. Effects of violations on rights of parties

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

1. After notice and hearing, a cease and desist order from the administrator;

2. After notice and hearing, forfeiture of such portion of the required bond as proportionately may make aggrieved parties whole;

3. A civil action, by the administrator through the Attorney General, after which a court may assess a civil penalty of not more than $5,000;

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

5. Revocation, suspension or nonrenewal of its registration pursuant to section 2-303 license.