US Code Title 15 Chapter 41 Consumer Credit Protection

Subchapter I - Consumer Credit Cost Disclosure

Part A - General Provisions

§ 1601 - Congressional Findings and Declaration of Purpose
§ 1602 - Definitions and Rules of Construction
§ 1603 - Exempted Transactions
§ 1604 - Disclosure Guidelines
§ 1605 - Determination of Finance Charge
§ 1606 - Determination of Annual Percentage Rate
§ 1607 - Administrative Enforcement
§ 1608 - Views of Other Agencies
§ 1609 - Repealed. Pub. L. 94–239, §3(b)(1), Mar. 23, 1976, 90 Stat. 253
§ 1610 - Effect on Other Laws
§ 1611 - Criminal Liability for Willful and Knowing Violation
§ 1612 - Effect on Government Agencies
§ 1613 - Annual Reports to Congress by Bureau
§ 1614 - Repealed. Pub. L. 96–221, Title Vi, §616(b), Mar. 31, 1980, 94 Stat. 182
§ 1615 - Prohibition on Use of &Quot;rule of 78's" in Connection With Mortgage Refinancings and Other Consumer Loans
§ 1616 - Board Review of Consumer Credit Plans and Regulations

Part B - Credit Transactions

§ 1631 - Disclosure Requirements
§ 1632 - Form of Disclosure; Additional Information
§ 1633 - Exemption for State-regulated Transactions
§ 1634 - Effect of Subsequent Occurrence
§ 1635 - Right of Rescission as to Certain Transactions
§ 1636 - Repealed. Pub. L. 96–221, Title Vi, §614(e)(1), Mar. 31, 1980, 94 Stat. 180
§ 1637 - Open End Consumer Credit Plans
§ 1637a - Disclosure Requirements for Open End Consumer Credit Plans Secured by Consumer's Principal Dwelling
§ 1638 - Transactions Other Than Under an Open End Credit Plan
§ 1638a - Reset of Hybrid Adjustable Rate Mortgages
§ 1639 - Requirements for Certain Mortgages
§ 1639a - Duty of Servicers of Residential Mortgages
§ 1639b - Residential Mortgage Loan Origination
§ 1639c - Minimum Standards for Residential Mortgage Loans
§ 1639d - Escrow or Impound Accounts Relating to Certain Consumer Credit Transactions
§ 1639e - Appraisal Independence Requirements
§ 1639f - Requirements for Prompt Crediting of Home Loan Payments
§ 1639g - Requests for Payoff Amounts of Home Loan
§ 1639h - Property Appraisal Requirements
§ 1640 - Civil Liability
§ 1641 - Liability of Assignees
§ 1642 - Issuance of Credit Cards
§ 1643 - Liability of Holder of Credit Card
§ 1644 - Fraudulent Use of Credit Cards; Penalties
§ 1645 - Business Credit Cards; Limits on Liability of Employees
§ 1646 - Dissemination of Annual Percentage Rates; Implementation, Etc.
§ 1647 - Home Equity Plans
§ 1648 - Reverse Mortgages
§ 1649 - Certain Limitations on Liability
§ 1650 - Preventing Unfair and Deceptive Private Educational Lending Practices and Eliminating Conflicts of Interest
§ 1651 - Procedure for Timely Settlement of Estates of Decedent Obligors

Part C - Credit Advertising and Limits on Credit Card Fees

§ 1661 - Catalogs and Multiple-page Advertisements
§ 1662 - Advertising of Downpayments and Installments
§ 1663 - Advertising of Open End Credit Plans
§ 1664 - Advertising of Credit Other Than Open End Plans
§ 1665 - Nonliability of Advertising Media
§ 1665a - Use of Annual Percentage Rate in Oral Disclosures; Exceptions
§ 1665b - Advertising of Open End Consumer Credit Plans Secured by Consumer's Principal Dwelling
§ 1665c - Interest Rate Reduction on Open End Consumer Credit Plans
§ 1665d - Reasonable Penalty Fees on Open End Consumer Credit Plans
§ 1665e - Consideration of Ability to Repay

Part D - Credit Billing

§ 1666 - Correction of Billing Errors
§ 1666a - Regulation of Credit Reports
§ 1666b - Timing of Payments
§ 1666c - Prompt and Fair Crediting of Payments
§ 1666d - Treatment of Credit Balances
§ 1666e - Notification of Credit Card Issuer by Seller of Return of Goods, Etc., by Obligor; Credit for Account of Obligor
§ 1666f - Inducements to Cardholders by Sellers of Cash Discounts for Payments by Cash, Check or Similar Means; Finance Charge for Sales Transactions Involving Cash Discounts
§ 1666g - Tie-in Services Prohibited for Issuance of Credit Card
§ 1666h - 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
§ 1666i - Assertion by Cardholder Against Card Issuer of Claims and Defenses Arising Out of Credit Card Transaction; Prerequisites; Limitation on Amount of Claims or Defenses
§ 1666i-1 - Limits on Interest Rate, Fee, and Finance Charge Increases Applicable to Outstanding Balances
§ 1666i-2 - Additional Limits on Interest Rate Increases
§ 1666j - Applicability of State Laws

Part E - Consumer Leases

§ 1667 - Definitions
§ 1667a - Consumer Lease Disclosures
§ 1667b - Lessee's Liability on Expiration or Termination of Lease
§ 1667c - Consumer Lease Advertising; Liability of Advertising Media
§ 1667d - Civil Liability of Lessors
§ 1667e - Applicability of State Laws; Exemptions by Bureau From Leasing Requirements
§ 1667f - Regulations

Subchapter II - Restrictions on Garnishment

§ 1671 - Congressional Findings and Declaration of Purpose
§ 1672 - Definitions
§ 1673 - Restriction on Garnishment
§ 1674 - Restriction on Discharge From Employment by Reason of Garnishment
§ 1675 - Exemption for State-regulated Garnishments
§ 1676 - Enforcement by Secretary of Labor
§ 1677 - Effect on State Laws

Subchapter II–A - Credit Repair Organizations

§ 1679 - Findings and Purposes
§ 1679a - Definitions
§ 1679b - Prohibited Practices
§ 1679c - Disclosures
§ 1679d - Credit Repair Organizations Contracts
§ 1679e - Right to Cancel Contract
§ 1679f - Noncompliance With This Subchapter
§ 1679g - Civil Liability
§ 1679h - Administrative Enforcement
§ 1679i - Statute of Limitations
§ 1679j - Relation to State Law

Subchapter III - Credit Reporting Agencies

§ 1681 - Congressional Findings and Statement of Purpose
§ 1681a - Definitions; Rules of Construction
§ 1681b - Permissible Purposes of Consumer Reports
§ 1681c - Requirements Relating to Information Contained in Consumer Reports
§ 1681c-1 - Identity Theft Prevention; Fraud Alerts and Active Duty Alerts
§ 1681c-2 - Block of Information Resulting From Identity Theft
§ 1681d - Disclosure of Investigative Consumer Reports
§ 1681e - Compliance Procedures
§ 1681f - Disclosures to Governmental Agencies
§ 1681g - Disclosures to Consumers
§ 1681h - Conditions and Form of Disclosure to Consumers
§ 1681i - Procedure in Case of Disputed Accuracy
§ 1681j - Charges for Certain Disclosures
§ 1681k - Public Record Information for Employment Purposes
§ 1681l - Restrictions on Investigative Consumer Reports
§ 1681m - Requirements on Users of Consumer Reports
§ 1681n - Civil Liability for Willful Noncompliance
§ 1681o - Civil Liability for Negligent Noncompliance
§ 1681p - Jurisdiction of Courts; Limitation of Actions
§ 1681q - Obtaining Information Under False Pretenses
§ 1681r - Unauthorized Disclosures by Officers or Employees
§ 1681s - Administrative Enforcement
§ 1681s-1 - Information on Overdue Child Support Obligations
§ 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies
§ 1681s-3 - Affiliate Sharing
§ 1681t - Relation to State Laws
§ 1681u - Disclosures to Fbi for Counterintelligence Purposes
§ 1681v - Disclosures to Governmental Agencies for Counterterrorism Purposes
§ 1681w - Disposal of Records
§ 1681x - Corporate and Technological Circumvention Prohibited

Subchapter IV - Equal Credit Opportunity

§ 1691 - Scope of Prohibition
§ 1691a - Definitions; Rules of Construction
§ 1691b - Promulgation of Regulations by the Bureau
§ 1691c - Administrative Enforcement
§ 1691c-1 - Incentives for Self-testing and Self-correction
§ 1691c-2 - Small Business Loan Data Collection
§ 1691d - Applicability of Other Laws
§ 1691e - Civil Liability
§ 1691f - Annual Reports to Congress; Contents

Subchapter V - Debt Collection Practices

§ 1692 - Congressional Findings and Declaration of Purpose
§ 1692a - Definitions
§ 1692b - Acquisition of Location Information
§ 1692c - Communication in Connection With Debt Collection
§ 1692d - Harassment or Abuse
§ 1692e - False or Misleading Representations
§ 1692f - Unfair Practices
§ 1692g - Validation of Debts
§ 1692h - Multiple Debts
§ 1692i - Legal Actions by Debt Collectors
§ 1692j - Furnishing Certain Deceptive Forms
§ 1692k - Civil Liability
§ 1692l - Administrative Enforcement
§ 1692m - Reports to Congress by the Bureau; Views of Other Federal Agencies
§ 1692n - Relation to State Laws
§ 1692o - Exemption for State Regulation
§ 1692p - Exception for Certain Bad Check Enforcement Programs Operated by Private Entities

Subchapter VI - Electronic Fund Transfers

§ 1693 - Congressional Findings and Declaration of Purpose
§ 1693a - Definitions
§ 1693b - Regulations
§ 1693c - Terms and Conditions of Transfers
§ 1693d - Documentation of Transfers
§ 1693e - Preauthorized Transfers
§ 1693f - Error Resolution
§ 1693g - Consumer Liability
§ 1693h - Liability of Financial Institutions
§ 1693i - Issuance of Cards or Other Means of Access
§ 1693j - Suspension of Obligations
§ 1693k - Compulsory Use of Electronic Fund Transfers
§ 1693l - Waiver of Rights
§ 1693l-1 - General-use Prepaid Cards, Gift Certificates, and Store Gift Cards
§ 1693m - Civil Liability
§ 1693n - Criminal Liability
§ 1693o - Administrative Enforcement
§ 1693o-1 - Remittance Transfers
§ 1693o-2 - Reasonable Fees and Rules for Payment Card Transactions
§ 1693p - Reports to Congress
§ 1693q - Relation to State Laws
§ 1693r - Exemption for State Regulation

Last modified: October 26, 2015