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6000 - Consumer Protection


CONSUMER PROTECTION
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INDEX TO COMPLIANCE REGULATIONS

 

Advertising of Membership (FDIC Part 328)
Community Reinvestment (FDIC Part 345)
Interagency Questions and Answers Regarding Community Reinvestment
Community Reinvestment Act
Consumer Credit Protection Act
Consumer Leasing Act
Consumer Protection in Sales of Insurance (FDIC Part 343)
Deposit Insurance (FDIC Part 330)
Discriminatory Conduct Under the Fair Housing Act 
Electronic Fund Transfer Act
Equal Credit Opportunity (FRB Regulation B)
Staff Interpretations
Equal Credit Opportunity Act
Fair Credit Billing Act
Fair Credit Reporting (FDIC Part 334)
Fair Credit Reporting Act
Fair Credit Reporting Act (FTC Statement of Policy)
Fair Credit Reporting Act (FDIC Q & As)
Fair Debt Collection Practices Act
Fair Housing (FDIC Part 338)
Fair Housing Act
Financial Institutions Reform, Recovery and Enforcement Act of 1989
Flood Insurance (FDIC Part 339)
Flood Disaster Protection Act
Home Mortgage Disclosure Act
NOW Accounts
Preservation of Consumers' Claims and Defenses (FTC)
Privacy of Consumer Financial Information (Part 332)
Frequently Asked Questions for the Privacy Regulation
Prohibition on Interstate Branching for Deposit Production (FDIC Part 369)
Riegle-Neal Interstate Banking and Branching Efficiency Act
Right to Financial Privacy Act
Truth in Lending Act (Consumer Credit Protection Act)
Adjustable Rate Mortgage Caps
Truth in Savings Act

CONSUMER PROTECTION
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TABLE OF CONTENTS

CONSUMER CREDIT PROTECTION ACT

Title I—Consumer Credit Cost Disclosure

CHAPTER 1—GENERAL PROVISIONS

CHAPTER 2—CREDIT TRANSACTIONS


SEC. 121 General requirement of disclosure
SEC. 122 Form of disclosure; additional information
SEC. 123 Exemption for State-regulated transactions
SEC. 124 Effect of subsequent occurrence
SEC. 125 Right of rescission as to certain transactions
SEC. 126 [Repealed]
SEC. 127 Open end consumer credit plans
SEC. 127A Disclosure requirements for open end consumer credit plans secured by the consumer's principal dwelling
SEC. 128 Consumer credit not under open end credit plans
SEC. 128A Reset of hybrid adjustable rate mortgages
SEC. 129 Requirements for certain mortgages  
SEC. 129A Duty of servicers of residential mortgages
SEC. 129B Residential mortgage loan origination 
SEC. 129C Minimum standards for residential mortgage loans 
SEC. 129D Escrow or impound accounts relating to certain consumer credit transactions 
SEC.129E Appraisal independence requirements 
SEC.129F Requirements for prompt crediting of home loan payments 
SEC.129G Requests for payoff amounts of home loan 
SEC.129H Property appraisal requirements 
SEC. 130 Civil liability
SEC. 131 Liability of assignees
SEC. 132 Issuance of credit cards
SEC. 133 Liability of holder of credit card
SEC. 134 Fraudulent use of credit card; penalties
SEC. 135 Business credit cards; limits on liability of employees
SEC. 136 Dissemination of annual percentage rates; implementation, etc.
SEC. 137 Home equity plans
SEC. 138 Reverse mortgages
SEC. 139 Certain limitations on liability
SEC. 140 Preventing unfair and deceptive private educational lending practices and Eliminating conflicts of interest
SEC. 140-A Procedure for timely settlement of estates of decedent obligor

CHAPTER 3—CREDIT ADVERTISING

CHAPTER 4—CREDIT BILLING


SEC. 161 Correction of billing errors
SEC. 162 Regulation of credit reports
SEC. 163 Timing of payments
SEC. 164 Prompt crediting of payments
SEC. 165 Treatment of credit balances
SEC. 166 Prompt notification of returns
SEC. 167 Inducements to cardholders by sellers of cash discounts for payments by cash, check or similar means; finance charge for sales transactions involving cash discounts
SEC. 168 Prohibition of tie-in services
SEC. 169 Offset of cardholder's indebtness by issuer of credit card with funds deposited with issuer by cardholder; remedies of creditors under State law not affected
SEC. 170 Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction; prerequisites; limitation on amount of claims defenses
SEC. 171 Limits on interest rate, fee and finance charge increases applicable to outstanding balances
SEC. 172 Additional limits on interest rate increases
SEC. 173 Applicability of State laws

CHAPTER 5—CONSUMER LEASES

Title II—Extortionate Credit Transactions

CHAPTER 42—EXTORTIONATE CREDIT TRANSACTIONS

Title III—Restriction on Garnishment

Title IV—National Commission on Consumer Finance

Title V—General Provisions

Title VI—Consumer Credit Reporting


SEC. 601 Short title
SEC. 602 Congressional findings and statement of purpose
SEC. 603 Definitions and rules of construction
SEC. 604 Permissible purposes of consumer reports
SEC. 605 Requirements relating to information contained in consumer reports
SEC. 605A Identity theft prevention; fraud alerts and active duty alerts
SEC. 605B Block of information resulting from identity theft
SEC. 606 Disclosure of investigative consumer reports
SEC. 607 Compliance procedures
SEC. 608 Disclosures to governmental agencies
SEC. 609 Disclosures to consumers
SEC. 610 Conditions and form of disclosure to consumers
SEC. 611 Procedure in case of disputed accuracy
SEC. 612 Charges for certain disclosures
SEC. 613 Public record information for employment purposes
SEC. 614 Restrictions on investigative consumer reports
SEC. 615 Requirements on users of consumer reports
SEC. 616 Civil liability for willful noncompliance
SEC. 617 Civil liability for negligent noncompliance
SEC. 618 Jurisdiction of courts; limitation of actions
SEC. 619 Obtaining information under false pretenses
SEC. 620 Unauthorized disclosures by officers or employees
SEC. 621 Administrative enforcement
SEC. 623 Responsibilities of furnishers of information to consumer reporting agencies
SEC. 624 Affiliate sharing
SEC. 625 Relation to State laws
SEC. 626 Disclosures to FBI for counterintelligence purposes
SEC. 627 Disclosures to governmental agencies for counterterrorism purposes
SEC. 628 Disposal of records
SEC. 629 Corporate and technological circumvention prohibited

Title VII—Equal Credit Opportunity

Title VIII—Debt Collection Practices


SEC. 801 Short title
SEC. 802 Congressional findings and declaration of purpose
SEC. 803 Definitions
SEC. 804 Acquisition of location information
SEC. 805 Communication in connection with debt collection
SEC. 806 Harassment or abuse
SEC. 807 False or misleading representations
SEC. 808 Unfair practices
SEC. 809 Validation of debts
SEC. 810 Multiple debts
SEC. 811 Legal actions by debt collectors
SEC. 812 Furnishing certain deceptive forms
SEC. 813 Civil liability
SEC. 814 Administrative enforcement
SEC. 815 Reports to Congress by the Bureau; views of other Federal agencies
SEC. 816 Relation to State laws
SEC. 817 Exemption for State regulation
SEC. 818 Exception for certain bad check enforcement programs operated by private entities
SEC. 819 Effective date
Federal Trade Commission Staff Commentary on the Fair Debt Collection Practices  Act

Title IX—Electronic Fund Transfers


SEC. 901 Short title
SEC. 902 Congressional findings and declaration of purpose
SEC. 903 Definitions
SEC. 904 Regulations
SEC. 905 Terms and conditions of transfers
SEC. 906 Documentation of transfers
SEC. 907 Preauthorized transfers
SEC. 908 Error resolution
SEC. 909 Consumer liability
SEC. 910 Liability of financial institutions
SEC. 911 Issuance of cards or other means of access
SEC. 912 Suspension of obligations
SEC. 913 Compulsory use of electronic fund transfers
SEC. 914 Waiver of rights
SEC. 915 General-use prepaid cards, gift certificates, and store gift cards 
SEC. 916 Civil liability
SEC. 917 Criminal liability
SEC. 918 Administrative enforcement
SEC. 919 Remittance transfers
SEC. 920 Reasonable fees and rules for payment card transactions
SEC. 921 Report to Congress
SEC. 922 Relations to State laws 
SEC. 923 Exemption for State regulation 

CIVIL RIGHTS ACT OF 1968—TITLE VIII (FAIR HOUSING)


SEC. 800 Short title
SEC. 801 Policy
SEC. 802 Definitions
SEC. 803 Effective dates of certain prohibitions
SEC. 804 Discrimination in the sale or rental of housing and other prohibited practices
SEC. 805 Discrimination in residential real estate-related transactions
SEC. 806 Discrimination in the provision of brokerage services
SEC. 807 Religious organization or private club exemption
SEC. 808 Administration
SEC. 808a Collection of certain data
SEC. 809 Education and conciliation
SEC. 810 Administrative enforcement; preliminary matters
SEC. 811 Subpoenas; giving of evidence
SEC. 812 Enforcement by secretary
SEC. 813 Enforcement by private persons
SEC. 814 Enforcement by the Attorney General
SEC. 814a Incentives for self-testing and self-correction
SEC. 815 Rules to implement title
SEC. 816 Effect on state laws
SEC. 817 Cooperation with state and local agencies administering fair housing laws; utilization of services and personnel; reimbursement; written agreements; publication in Federal Register
SEC. 818 Interference, coercion, or intimidation
SEC. 819 Authorization of Appropriations
SEC. 820 Separability
SEC. 901 Violations; penalties

HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1977—TITLE VIII (COMMUNITY REINVESTMENT)

COMPETITIVE EQUALITY BANKING ACT OF 1987

TITLE XII—MISCELLANEOUS PROVISIONS

NOW ACCOUNTS

FINANCIAL INSTITUTIONS REGULATORY AND INTEREST RATE CONTROL ACT OF 1978

Title XI—Right to Financial Privacy


SEC. 1100 Short title
SEC. 1101 Definitions
SEC. 1102 Access to financial records by government authorities prohibited; exceptions
SEC. 1103 Confidentiality of financial records
SEC. 1104 Customer authorizations
SEC. 1105 Administrative subpena and summons
SEC. 1106 Search warrants
SEC. 1107 Judicial subpena
SEC. 1108 Formal written request
SEC. 1109 Delayed notice
SEC. 1110 Customer challenges
SEC. 1111 Duty of financial institutions
SEC. 1112 Use of information
SEC. 1113 Exceptions
SEC. 1114 Special procedures
SEC. 1115 Cost reimbursement
SEC. 1116 Jurisdiction
SEC. 1117 Civil penalties
SEC. 1118 Injunctive relief
SEC. 1119 Suspension of Statutes of Limitations
SEC. 1120 Grand Jury Information
SEC. 1121 [Repealed]
SEC. 1122 Applicability to Securities and Exchange Commission
SEC. 2101 Effective date

DEPARTMENT OF LABOR REGULATIONS:
RESTRICTION ON GARNISHMENT

Part 870—Restriction On Garnishment

SUBPART A—GENERAL

SUBPART B—DETERMINATIONS AND INTERPRETATIONS

SUBPART C—EXEMPTIONS FOR STATE-REGULATED GARNISHMENTS

HOME MORTGAGE DISCLOSURE ACT OF 1975

COMPETITIVE EQUALITY BANKING ACT OF 1987

TITLE I—FINANCIAL INSTITUTIONS COMPETITIVE EQUALITY

TITLE II—MORATORIUM ON CERTAIN NONBANKING ACTIVITIES

FEDERAL DEPOSIT INSURANCE CORPORATION IMPROVEMENT ACT OF 1991

Title II—Regulatory Improvement

SUBTITLE F—TRUTH IN SAVINGS


SEC. 261. Short Title
SEC. 262. Findings and Purpose
(a) Findings
(b) Purpose
SEC. 263. Disclosure of Interest Rates and Terms of Accounts
(a) In general
(b) Broadcast and electronic media and outdoor advertising exception
(c) Disclosure required for on-premise displays
(d) Misleading description of free or no-cost accounts prohibited
(e) Misleading or inaccurate advertisements, etc., prohibited
SEC. 264. Account Schedule
(a) In general
(b) Information on fees and changes
(c) Information on interest rates
(d) Other information
(e) Style and format
SEC. 265. Disclosure Requirements for Certain Accounts
SEC. 266. Distribution of Schedules
(a) In general
(b) Distribution in case of certain initial deposits
(c) Distribution of notice of certain changes
(d) Distribution in case of accounts established by more than 1 individual or by a group
(e) Notice to account holders as of the effective date of regulations
SEC. 267. Payment of Interest
(a) Calculated on full amount of principal
(b) No particular method of compounding interest required
(c) Date by which interest must accrue
SEC. 268. Periodic Statements
SEC. 269. Regulations
(a) In general
(b) Model forms and clauses
SEC. 270. Administrative Enforcement
(a) In general
(b) Additional enforcement powers
(c) Regulations by agencies other than the Board
SEC. 271. [Repealed]
SEC. 272. Credit Unions 
(a) In general
(b) Regulations prescribed by the NCUA
SEC. 273. Effect on State Law
SEC. 274. Definitions

RIEGLE-NEAL INTERSTATE BANKING AND BRANCHING EFFICIENCY ACT
OF 1994

FLOOD DISASTER PROTECTION ACT OF 1973

CHAPTER 1—OFFICE OF ASSISTANT SECRETARY FOR EQUAL OPPORTUNITY, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

Subpart A—General

SUBPART B—DISCRIMINATORY HOUSING PRACTICES

Subpart C—Discrimination in Residential Real Estate-Related Transactions

Subpart D—Prohibition Against Discrimination Because of Handicap

Subpart E—Housing for Older Persons

Subpart F—Interference, Coercion or Intimidation

Subpart G—Discriminatory Effect


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Last updated September 16, 2013 regs@fdic.gov