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§ 9-2405. Enforcement.
   (1)   The Director of the Office of Housing and Community Development is hereby charged with the enforcement of this Chapter. The Director shall promulgate such rules, regulations and procedures as he or she may deem necessary to aid in the administration and enforcement of the provisions of this Chapter. Such rules and regulations shall include the standards, guidelines and procedures for the approval of plans pursuant to subsections 9-2402(7) and (10).
   (2)   For the purpose of enforcement of the provisions of this ordinance, the Director shall maintain a listing of those business entities which have been determined to meet the definition of high cost lender and predatory lender under this Chapter and shall regularly distribute this listing to all City Agencies and City-Related Agencies. This listing shall also be made available to the public free of charge by request of the Office of Housing and Community Development.
   (3)   The Director of the Office of Housing and Community Development may make findings with respect to predatory loans and predatory lenders based on recommendations made by a Predatory Lending Review Commission.
§ 9-2406. Private Right of Action.
   (1)   Notwithstanding the provisions of Section 9-2404, any individual who becomes obligated on a predatory loan may bring an action for damages and/or equitable relief in a court of competent jurisdiction against any person who violates this Chapter. Judgment shall be entered for actual damages, but in no case less than the amount of home equity the individual lost as a result of the predatory loan, as determined by the court, rescission of the predatory loan in accordance with the rescission provisions of the federal Truth in Lending Act, reasonable attorneys, fees and court costs.
   (2)   Nothing in this Chapter limits the rights of the injured person to recover damages or seek equitable relief under any other applicable law or legal theory.
§ 9-2407. Severability.
   If any clause, sentence, paragraph, or part of this Chapter, or the application thereof to any person or circumstance, shall for any reason be adjudged by a court of competent jurisdiction to be invalid, such judgment shall not affect, impair or invalidate the remainder of this Chapter nor the application of such clause, sentence, paragraph or part to other persons or circumstances but shall be confined in its operation to the clause, sentence, paragraph or part thereof and to the persons or circumstances directly involved in the controversy in which such judgment shall have been rendered. It is hereby declared to be the legislative intent that this Chapter would have been adopted had such provisions not been included or such persons or circumstances been expressly excluded from their coverage.