Title 15, Chapter 41
Commerce and Trade — 161 active sections, 3 inactive
Sections in this chapter
- § 1Remittance transfers
- § 2Reasonable fees and rules for payment card transactions
- § 3Affiliate sharing
- § 1601Congressional findings and declaration of purpose
- § 1602Definitions and rules of construction
- § 1603Exempted transactions
- § 1604Disclosure guidelines
- § 1605Determination of finance charge
- § 1606Determination of annual percentage rate
- § 1607Administrative enforcement
- § 1608Views of other agencies
- § 1609Repealed. Pub. L. 94–239, § 3(b)(1) , Mar. 23, 1976 , 90 Stat. 253Repealed
- § 1610Effect on other laws
- § 1611Criminal liability for willful and knowing violation
- § 1612Effect on government agencies
- § 1613Annual reports to Congress by Bureau
- § 1614Repealed. Pub. L. 96–221, title VI, § 616(b) , Mar. 31, 1980 , 94 Stat. 182Repealed
- § 1615Prohibition on use of “Rule of 78’s” in connection with mortgage refinancings and other consumer loans
- § 1616Board review of consumer credit plans and regulations
- § 1631Disclosure requirements
- § 1632Form of disclosure; additional information
- § 1633Exemption for State-regulated transactions
- § 1634Effect of subsequent occurrence
- § 1635Right of rescission as to certain transactions
- § 1636Repealed. Pub. L. 96–221, title VI, § 614(e)(1) , Mar. 31, 1980 , 94 Stat. 180Repealed
- § 1637Open end consumer credit plans
- § 1637aDisclosure requirements for open end consumer credit plans secured by consumer’s principal dwelling
- § 1638Transactions other than under an open end credit plan
- § 1638aReset of hybrid adjustable rate mortgages
- § 1639Requirements for certain mortgages
- § 1639aDuty of servicers of residential mortgages
- § 1639bResidential mortgage loan origination
- § 1639cMinimum standards for residential mortgage loans
- § 1639dEscrow or impound accounts relating to certain consumer credit transactions
- § 1639eAppraisal independence requirements
- § 1639fRequirements for prompt crediting of home loan payments
- § 1639gRequests for payoff amounts of home loan
- § 1639hProperty appraisal requirements
- § 1640Civil liability
- § 1641Liability of assignees
- § 1642Issuance of credit cards
- § 1643Liability of holder of credit card
- § 1644Fraudulent use of credit cards; penalties
- § 1645Business credit cards; limits on liability of employees
- § 1646Dissemination of annual percentage rates; implementation, etc.
- § 1647Home equity plans
- § 1648Reverse mortgages
- § 1649Certain limitations on liability
- § 1650Preventing unfair and deceptive private educational lending practices and eliminating conflicts of interest
- § 1651Procedure for timely settlement of estates of decedent obligors
- § 1661Catalogs and multiple-page advertisements
- § 1662Advertising of downpayments and installments
- § 1663Advertising of open end credit plans
- § 1664Advertising of credit other than open end plans
- § 1665Nonliability of advertising media
- § 1665aUse of annual percentage rate in oral disclosures; exceptions
- § 1665bAdvertising of open end consumer credit plans secured by consumer’s principal dwelling
- § 1665cInterest rate reduction on open end consumer credit plans
- § 1665dReasonable penalty fees on open end consumer credit plans
- § 1665eConsideration of ability to repay
- § 1666Correction of billing errors
- § 1666aRegulation of credit reports
- § 1666bTiming of payments
- § 1666cPrompt and fair crediting of payments
- § 1666dTreatment of credit balances
- § 1666eNotification of credit card issuer by seller of return of goods, etc., by obligor; credit for account of obligor
- § 1666fInducements to cardholders by sellers of cash discounts for payments by cash, check or similar means; finance charge for sales transactions involving cash discounts
- § 1666gTie-in services prohibited for issuance of credit card
- § 1666hOffset of cardholder’s indebtedness by issuer of credit card with funds deposited with issuer by cardholder; remedies of creditors under State law not affected
- § 1666iAssertion by cardholder against card issuer of claims and defenses arising out of credit card transaction; prerequisites; limitation on amount of claims or defenses
- § 1666jApplicability of State laws
- § 1667Definitions
- § 1667aConsumer lease disclosures
- § 1667bLessee’s liability on expiration or termination of lease
- § 1667cConsumer lease advertising; liability of advertising media
- § 1667dCivil liability of lessors
- § 1667eApplicability of State laws; exemptions by Bureau from leasing requirements
- § 1667fRegulations
- § 1671Congressional findings and declaration of purpose
- § 1672Definitions
- § 1673Restriction on garnishment
- § 1674Restriction on discharge from employment by reason of garnishment
- § 1675Exemption for State-regulated garnishments
- § 1676Enforcement by Secretary of Labor
- § 1677Effect on State laws
- § 1679Findings and purposes
- § 1679aDefinitions
- § 1679bProhibited practices
- § 1679cDisclosures
- § 1679dCredit repair organizations contracts
- § 1679eRight to cancel contract
- § 1679fNoncompliance with this subchapter
- § 1679gCivil liability
- § 1679hAdministrative enforcement
- § 1679iStatute of limitations
- § 1679jRelation to State law
- § 1681Congressional findings and statement of purpose
- § 1681aDefinitions; rules of construction
- § 1681bPermissible purposes of consumer reports
- § 1681cRequirements relating to information contained in consumer reports
- § 1681dDisclosure of investigative consumer reports
- § 1681eCompliance procedures
- § 1681fDisclosures to governmental agencies
- § 1681gDisclosures to consumers
- § 1681hConditions and form of disclosure to consumers
- § 1681iProcedure in case of disputed accuracy
- § 1681jCharges for certain disclosures
- § 1681kPublic record information for employment purposes
- § 1681lRestrictions on investigative consumer reports
- § 1681mRequirements on users of consumer reports
- § 1681nCivil liability for willful noncompliance
- § 1681oCivil liability for negligent noncompliance
- § 1681pJurisdiction of courts; limitation of actions
- § 1681qObtaining information under false pretenses
- § 1681rUnauthorized disclosures by officers or employees
- § 1681sAdministrative enforcement
- § 1681tRelation to State laws
- § 1681uDisclosures to FBI for counterintelligence purposes
- § 1681vDisclosures to governmental agencies for counterterrorism purposes
- § 1681wDisposal of records
- § 1681xCorporate and technological circumvention prohibited
- § 1691Scope of prohibition
- § 1691aDefinitions; rules of construction
- § 1691bPromulgation of regulations by the Bureau
- § 1691cAdministrative enforcement
- § 1691dApplicability of other laws
- § 1691eCivil liability
- § 1691fAnnual reports to Congress; contents
- § 1692Congressional findings and declaration of purpose
- § 1692aDefinitions
- § 1692bAcquisition of location information
- § 1692cCommunication in connection with debt collection
- § 1692dHarassment or abuse
- § 1692eFalse or misleading representations
- § 1692fUnfair practices
- § 1692gValidation of debts
- § 1692hMultiple debts
- § 1692iLegal actions by debt collectors
- § 1692jFurnishing certain deceptive forms
- § 1692kCivil liability
- § 1692lAdministrative enforcement
- § 1692mReports to Congress by the Bureau; views of other Federal agencies
- § 1692nRelation to State laws
- § 1692oExemption for State regulation
- § 1692pException for certain bad check enforcement programs operated by private entities
- § 1693Congressional findings and declaration of purpose
- § 1693aDefinitions
- § 1693bRegulations
- § 1693cTerms and conditions of transfers
- § 1693dDocumentation of transfers
- § 1693ePreauthorized transfers
- § 1693fError resolution
- § 1693gConsumer liability
- § 1693hLiability of financial institutions
- § 1693iIssuance of cards or other means of access
- § 1693jSuspension of obligations
- § 1693kCompulsory use of electronic fund transfers
- § 1693lWaiver of rights
- § 1693mCivil liability
- § 1693nCriminal liability
- § 1693oAdministrative enforcement
- § 1693pReports to Congress
- § 1693qRelation to State laws
- § 1693rExemption for State regulation
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