Commerce and Trade

Congressional findings and declaration of purpose

Definitions and rules of construction

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

Congressional findings and declaration of purpose

Definitions

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

Definitions

Prohibited practices

Disclosures

Credit repair organizations contracts

Right to cancel contract

Noncompliance with this subchapter

Civil liability

Administrative enforcement

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

Administrative enforcement

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

Definitions; rules of construction

Promulgation of regulations by the Bureau

Administrative enforcement

Incentives for self-testing and self-correction

Small business loan data collection

Applicability of other laws

Civil liability

Annual reports to Congress; contents

Congressional findings and declaration of purpose

Definitions

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

Civil liability

Administrative enforcement

Reports to Congress by the Bureau; views of other Federal agencies

Relation to State laws

Exemption for State regulation

Exception for certain bad check enforcement programs operated by private entities

Congressional findings and declaration of purpose

Definitions

Regulations

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

Civil liability

Criminal liability

Administrative enforcement

Remittance transfers

Reasonable fees and rules for payment card transactions

Reports to Congress

Relation to State laws

Exemption for State regulation