CONSUMER CREDIT PROTECTION
Title 15 - Commerce and Trade
Congressional findings and declaration of purpose
Definitions and rules of construction
Exempted transactions
Disclosure guidelines
Determination of finance charge
Determination of annual percentage rate
Administrative enforcement
Views of other agencies
Effect on other laws
Criminal liability for willful and knowing violation
Effect on government agencies
Annual reports to Congress by Bureau
Prohibition on use of “Rule of 78’s” in connection with mortgage refinancings and other consumer loans
Board review of consumer credit plans and regulations
Disclosure requirements
Form of disclosure; additional information
Exemption for State-regulated transactions
Effect of subsequent occurrence
Right of rescission as to certain transactions
Open end consumer credit plans
Disclosure requirements for open end consumer credit plans secured by consumer’s principal dwelling
Transactions other than under an open end credit plan
Reset of hybrid adjustable rate mortgages
Requirements for certain mortgages
Duty of servicers of residential mortgages
Residential mortgage loan origination
Minimum standards for residential mortgage loans
Escrow or impound accounts relating to certain consumer credit transactions
Appraisal independence requirements
Requirements for prompt crediting of home loan payments
Requests for payoff amounts of home loan
Property appraisal requirements
Civil liability
Liability of assignees
Issuance of credit cards
Liability of holder of credit card
Fraudulent use of credit cards; penalties
Business credit cards; limits on liability of employees
Dissemination of annual percentage rates; implementation, etc.
Home equity plans
Reverse mortgages
Certain limitations on liability
Preventing unfair and deceptive private educational lending practices and eliminating conflicts of interest
Procedure for timely settlement of estates of decedent obligors
Catalogs and multiple-page advertisements
Advertising of downpayments and installments
Advertising of open end credit plans
Advertising of credit other than open end plans
Nonliability of advertising media
Use of annual percentage rate in oral disclosures; exceptions
Advertising of open end consumer credit plans secured by consumer’s principal dwelling
Interest rate reduction on open end consumer credit plans
Reasonable penalty fees on open end consumer credit plans
Consideration of ability to repay
Correction of billing errors
Regulation of credit reports
Timing of payments
Prompt and fair crediting of payments
Treatment of credit balances
Notification of credit card issuer by seller of return of goods, etc., by obligor; credit for account of obligor
Inducements to cardholders by sellers of cash discounts for payments by cash, check or similar means; finance charge for sales transactions involving cash discounts
Tie-in services prohibited for issuance of credit card
Offset of cardholder’s indebtedness by issuer of credit card with funds deposited with issuer by cardholder; remedies of creditors under State law not affected
Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction; prerequisites; limitation on amount of claims or defenses
Limits on interest rate, fee, and finance charge increases applicable to outstanding balances
Additional limits on interest rate increases
Applicability of State laws
Definitions
Consumer lease disclosures
Lessee’s liability on expiration or termination of lease
Consumer lease advertising; liability of advertising media
Civil liability of lessors
Applicability of State laws; exemptions by Bureau from leasing requirements
Regulations
Restriction on garnishment
Restriction on discharge from employment by reason of garnishment
Exemption for State-regulated garnishments
Enforcement by Secretary of Labor
Effect on State laws
Findings and purposes
Prohibited practices
Disclosures
Credit repair organizations contracts
Right to cancel contract
Noncompliance with this subchapter
Statute of limitations
Relation to State law
Congressional findings and statement of purpose
Definitions; rules of construction
Permissible purposes of consumer reports
Requirements relating to information contained in consumer reports
Identity theft prevention; fraud alerts and active duty alerts
Block of information resulting from identity theft
Adverse information in cases of trafficking
Disclosure of investigative consumer reports
Compliance procedures
Disclosures to governmental agencies
Disclosures to consumers
Conditions and form of disclosure to consumers
Procedure in case of disputed accuracy
Charges for certain disclosures
Public record information for employment purposes
Restrictions on investigative consumer reports
Requirements on users of consumer reports
Civil liability for willful noncompliance
Civil liability for negligent noncompliance
Jurisdiction of courts; limitation of actions
Obtaining information under false pretenses
Unauthorized disclosures by officers or employees
Information on overdue child support obligations
Responsibilities of furnishers of information to consumer reporting agencies
Affiliate sharing
Relation to State laws
Disclosures to FBI for counterintelligence purposes
Disclosures to governmental agencies for counterterrorism purposes
Disposal of records
Corporate and technological circumvention prohibited
Scope of prohibition
Promulgation of regulations by the Bureau
Incentives for self-testing and self-correction
Small business loan data collection
Applicability of other laws
Annual reports to Congress; contents
Acquisition of location information
Communication in connection with debt collection
Harassment or abuse
False or misleading representations
Unfair practices
Validation of debts
Multiple debts
Legal actions by debt collectors
Furnishing certain deceptive forms
Reports to Congress by the Bureau; views of other Federal agencies
Exemption for State regulation
Exception for certain bad check enforcement programs operated by private entities
Terms and conditions of transfers
Documentation of transfers
Preauthorized transfers
Error resolution
Consumer liability
Liability of financial institutions
Issuance of cards or other means of access
Suspension of obligations
Compulsory use of electronic fund transfers
Waiver of rights
General-use prepaid cards, gift certificates, and store gift cards
Criminal liability
Remittance transfers
Reasonable fees and rules for payment card transactions
Reports to Congress