Title 15, Chapter 41
Commerce and Trade — 164 sections
- § 1 Section 1 - Remittance transfers
- § 2 Section 2 - Reasonable fees and rules for payment card transactions
- § 3 Section 3 - Affiliate sharing
- § 1601 Section 1601 - Congressional findings and declaration of purpose
- § 1602 Section 1602 - Definitions and rules of construction
- § 1603 Section 1603 - Exempted transactions
- § 1604 Section 1604 - Disclosure guidelines
- § 1605 Section 1605 - Determination of finance charge
- § 1606 Section 1606 - Determination of annual percentage rate
- § 1607 Section 1607 - Administrative enforcement
- § 1608 Section 1608 - Views of other agencies
- § 1609 Section 1609 - Repealed. Pub. L. 94–239 , § 3(b)(1), Mar. 23, 1976 , 90 Stat. 253
- § 1610 Section 1610 - Effect on other laws
- § 1611 Section 1611 - Criminal liability for willful and knowing violation
- § 1612 Section 1612 - Effect on government agencies
- § 1613 Section 1613 - Annual reports to Congress by Bureau
- § 1614 Section 1614 - Repealed. Pub. L. 96–221, title VI , § 616(b), Mar. 31, 1980 , 94 Stat. 182
- § 1615 Section 1615 - Prohibition on use of “Rule of 78’s” in connection with mortgage refinancings and other consumer loans
- § 1616 Section 1616 - Board review of consumer credit plans and regulations
- § 1631 Section 1631 - Disclosure requirements
- § 1632 Section 1632 - Form of disclosure; additional information
- § 1633 Section 1633 - Exemption for State-regulated transactions
- § 1634 Section 1634 - Effect of subsequent occurrence
- § 1635 Section 1635 - Right of rescission as to certain transactions
- § 1636 Section 1636 - Repealed. Pub. L. 96–221, title VI , § 614(e)(1), Mar. 31, 1980 , 94 Stat. 180
- § 1637 Section 1637 - Open end consumer credit plans
- § 1637a Section 1637a - Disclosure requirements for open end consumer credit plans secured by consumer’s principal dwelling
- § 1638 Section 1638 - Transactions other than under an open end credit plan
- § 1638a Section 1638a - Reset of hybrid adjustable rate mortgages
- § 1639 Section 1639 - Requirements for certain mortgages
- § 1639a Section 1639a - Duty of servicers of residential mortgages
- § 1639b Section 1639b - Residential mortgage loan origination
- § 1639c Section 1639c - Minimum standards for residential mortgage loans
- § 1639d Section 1639d - Escrow or impound accounts relating to certain consumer credit transactions
- § 1639f Section 1639f - Requirements for prompt crediting of home loan payments
- § 1639e Section 1639e - Appraisal independence requirements
- § 1639g Section 1639g - Requests for payoff amounts of home loan
- § 1639h Section 1639h - Property appraisal requirements
- § 1640 Section 1640 - Civil liability
- § 1641 Section 1641 - Liability of assignees
- § 1642 Section 1642 - Issuance of credit cards
- § 1643 Section 1643 - Liability of holder of credit card
- § 1644 Section 1644 - Fraudulent use of credit cards; penalties
- § 1645 Section 1645 - Business credit cards; limits on liability of employees
- § 1646 Section 1646 - Dissemination of annual percentage rates; implementation, etc.
- § 1647 Section 1647 - Home equity plans
- § 1648 Section 1648 - Reverse mortgages
- § 1649 Section 1649 - Certain limitations on liability
- § 1650 Section 1650 - Preventing unfair and deceptive private educational lending practices and eliminating conflicts of interest
- § 1651 Section 1651 - Procedure for timely settlement of estates of decedent obligors
- § 1661 Section 1661 - Catalogs and multiple-page advertisements
- § 1662 Section 1662 - Advertising of downpayments and installments
- § 1663 Section 1663 - Advertising of open end credit plans
- § 1664 Section 1664 - Advertising of credit other than open end plans
- § 1665 Section 1665 - Nonliability of advertising media
- § 1665a Section 1665a - Use of annual percentage rate in oral disclosures; exceptions
- § 1665b Section 1665b - Advertising of open end consumer credit plans secured by consumer’s principal dwelling
- § 1665c Section 1665c - Interest rate reduction on open end consumer credit plans
- § 1665d Section 1665d - Reasonable penalty fees on open end consumer credit plans
- § 1665e Section 1665e - Consideration of ability to repay
- § 1666 Section 1666 - Correction of billing errors
- § 1666a Section 1666a - Regulation of credit reports
- § 1666b Section 1666b - Timing of payments
- § 1666c Section 1666c - Prompt and fair crediting of payments
- § 1666d Section 1666d - Treatment of credit balances
- § 1666e Section 1666e - Notification of credit card issuer by seller of return of goods, etc., by obligor; credit for account of obligor
- § 1666g Section 1666g - Tie-in services prohibited for issuance of credit card
- § 1666f Section 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
- § 1666h Section 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 Section 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
- § 1666j Section 1666j - Applicability of State laws
- § 1667 Section 1667 - Definitions
- § 1667a Section 1667a - Consumer lease disclosures
- § 1667b Section 1667b - Lessee’s liability on expiration or termination of lease
- § 1667c Section 1667c - Consumer lease advertising; liability of advertising media
- § 1667d Section 1667d - Civil liability of lessors
- § 1667e Section 1667e - Applicability of State laws; exemptions by Bureau from leasing requirements
- § 1667f Section 1667f - Regulations
- § 1671 Section 1671 - Congressional findings and declaration of purpose
- § 1672 Section 1672 - Definitions
- § 1673 Section 1673 - Restriction on garnishment
- § 1674 Section 1674 - Restriction on discharge from employment by reason of garnishment
- § 1675 Section 1675 - Exemption for State-regulated garnishments
- § 1676 Section 1676 - Enforcement by Secretary of Labor
- § 1677 Section 1677 - Effect on State laws
- § 1679 Section 1679 - Findings and purposes
- § 1679a Section 1679a - Definitions
- § 1679b Section 1679b - Prohibited practices
- § 1679c Section 1679c - Disclosures
- § 1679d Section 1679d - Credit repair organizations contracts
- § 1679e Section 1679e - Right to cancel contract
- § 1679f Section 1679f - Noncompliance with this subchapter
- § 1679g Section 1679g - Civil liability
- § 1679h Section 1679h - Administrative enforcement
- § 1679i Section 1679i - Statute of limitations
- § 1679j Section 1679j - Relation to State law
- § 1681 Section 1681 - Congressional findings and statement of purpose
- § 1681b Section 1681b - Permissible purposes of consumer reports
- § 1681a Section 1681a - Definitions; rules of construction
- § 1681c Section 1681c - Requirements relating to information contained in consumer reports
- § 1681d Section 1681d - Disclosure of investigative consumer reports
- § 1681e Section 1681e - Compliance procedures
- § 1681f Section 1681f - Disclosures to governmental agencies
- § 1681g Section 1681g - Disclosures to consumers
- § 1681h Section 1681h - Conditions and form of disclosure to consumers
- § 1681i Section 1681i - Procedure in case of disputed accuracy
- § 1681j Section 1681j - Charges for certain disclosures
- § 1681k Section 1681k - Public record information for employment purposes
- § 1681l Section 1681l - Restrictions on investigative consumer reports
- § 1681m Section 1681m - Requirements on users of consumer reports
- § 1681n Section 1681n - Civil liability for willful noncompliance
- § 1681o Section 1681o - Civil liability for negligent noncompliance
- § 1681p Section 1681p - Jurisdiction of courts; limitation of actions
- § 1681q Section 1681q - Obtaining information under false pretenses
- § 1681r Section 1681r - Unauthorized disclosures by officers or employees
- § 1681s Section 1681s - Administrative enforcement
- § 1681t Section 1681t - Relation to State laws
- § 1681u Section 1681u - Disclosures to FBI for counterintelligence purposes
- § 1681v Section 1681v - Disclosures to governmental agencies for counterterrorism purposes
- § 1681w Section 1681w - Disposal of records
- § 1681x Section 1681x - Corporate and technological circumvention prohibited
- § 1691 Section 1691 - Scope of prohibition
- § 1691a Section 1691a - Definitions; rules of construction
- § 1691b Section 1691b - Promulgation of regulations by the Bureau
- § 1691c Section 1691c - Administrative enforcement
- § 1691d Section 1691d - Applicability of other laws
- § 1691e Section 1691e - Civil liability
- § 1691f Section 1691f - Annual reports to Congress; contents
- § 1692 Section 1692 - Congressional findings and declaration of purpose
- § 1692a Section 1692a - Definitions
- § 1692b Section 1692b - Acquisition of location information
- § 1692c Section 1692c - Communication in connection with debt collection
- § 1692d Section 1692d - Harassment or abuse
- § 1692e Section 1692e - False or misleading representations
- § 1692f Section 1692f - Unfair practices
- § 1692g Section 1692g - Validation of debts
- § 1692h Section 1692h - Multiple debts
- § 1692i Section 1692i - Legal actions by debt collectors
- § 1692j Section 1692j - Furnishing certain deceptive forms
- § 1692k Section 1692k - Civil liability
- § 1692l Section 1692l - Administrative enforcement
- § 1692m Section 1692m - Reports to Congress by the Bureau; views of other Federal agencies
- § 1692n Section 1692n - Relation to State laws
- § 1692o Section 1692o - Exemption for State regulation
- § 1692p Section 1692p - Exception for certain bad check enforcement programs operated by private entities
- § 1693 Section 1693 - Congressional findings and declaration of purpose
- § 1693a Section 1693a - Definitions
- § 1693b Section 1693b - Regulations
- § 1693c Section 1693c - Terms and conditions of transfers
- § 1693d Section 1693d - Documentation of transfers
- § 1693e Section 1693e - Preauthorized transfers
- § 1693f Section 1693f - Error resolution
- § 1693g Section 1693g - Consumer liability
- § 1693h Section 1693h - Liability of financial institutions
- § 1693i Section 1693i - Issuance of cards or other means of access
- § 1693j Section 1693j - Suspension of obligations
- § 1693k Section 1693k - Compulsory use of electronic fund transfers
- § 1693l Section 1693l - Waiver of rights
- § 1693m Section 1693m - Civil liability
- § 1693n Section 1693n - Criminal liability
- § 1693o Section 1693o - Administrative enforcement
- § 1693p Section 1693p - Reports to Congress
- § 1693q Section 1693q - Relation to State laws
- § 1693r Section 1693r - Exemption for State regulation