§ 458-h. Deceptive acts prohibited. It is hereby declared to be an
unfair and deceptive trade practice and unlawful for a credit services
company to:

1. Misrepresent directly or indirectly in its advertising, promotional
materials, sales presentation, or in any manner: the nature of the
services to be performed; the time within which services will be
performed; the ability to improve a consumer's credit report or credit
rating; the amount or type of credit a consumer can expect to receive as
a result of the performance of the services offered; the qualifications,
training or experience of its personnel.

2. Make or counsel or advise any consumer to make any statement which
is untrue or misleading and which is known, or which by the exercise of
reasonable care should be known, to be untrue or misleading, to a
consumer credit reporting agency or to any person who has extended
credit to a consumer or to whom a consumer is applying for an extension
of credit, with respect to a consumer's credit worthiness, credit
standing, or credit capacity.

3. Represent directly or indirectly in its advertising, promotional
materials, sales presentation, or in any manner that it can procure or
obtain a credit card for a consumer unless that credit services company
has authority to issue the credit card being advertised.