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2013 US Code
Title 15 - Commerce and Trade
Chapter 41 - CONSUMER CREDIT PROTECTION (§§ 1601 - 1693r)
Subchapter I - CONSUMER CREDIT COST DISCLOSURE (§§ 1601 - 1667f)
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Metadata
Publication Title | United States Code, 2012 Edition, Supplement 1, Title 15 - COMMERCE AND TRADE |
Category | Bills and Statutes |
Collection | United States Code |
SuDoc Class Number | Y 1.2/5: |
Contained Within | Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER I - CONSUMER CREDIT COST DISCLOSURE |
Contains | sections 1601 to 1667f |
Date | 2013 |
Laws in Effect as of Date | January 16, 2014 |
Positive Law | No |
Disposition | standard |
- Part A - General Provisions (§§ 1601 - 1616)
- Section 1601 - Congressional findings and declaration of purpose
- Section 1602 - Definitions and rules of construction
- Section 1603 - Exempted transactions
- Section 1604 - Disclosure guidelines
- Section 1605 - Determination of finance charge
- Section 1606 - Determination of annual percentage rate
- Section 1607 - Administrative enforcement
- Section 1608 - Views of other agencies
- Section 1609 - Repealed. Pub. L. 94-239, §3(b)(1), Mar. 23, 1976, 90 Stat. 253
- Section 1610 - Effect on other laws
- Section 1611 - Criminal liability for willful and knowing violation
- Section 1612 - Effect on government agencies
- Section 1613 - Annual reports to Congress by Bureau
- Section 1614 - Repealed. Pub. L. 96-221, title VI, §616(b), Mar. 31, 1980, 94 Stat. 182
- Section 1615 - Prohibition on use of "Rule of 78's" in connection with mortgage refinancings and other consumer loans
- Section 1616 - Board review of consumer credit plans and regulations
- Part B - Credit Transactions (§§ 1631 - 1651)
- Section 1631 - Disclosure requirements
- Section 1632 - Form of disclosure; additional information
- Section 1633 - Exemption for State-regulated transactions
- Section 1634 - Effect of subsequent occurrence
- Section 1635 - Right of rescission as to certain transactions
- Section 1636 - Repealed. Pub. L. 96-221, title VI, §614(e)(1), Mar. 31, 1980, 94 Stat. 180
- Section 1637 - Open end consumer credit plans
- Section 1637a - Disclosure requirements for open end consumer credit plans secured by consumer's principal dwelling
- Section 1638 - Transactions other than under an open end credit plan
- Section 1638a - Reset of hybrid adjustable rate mortgages
- Section 1639 - Requirements for certain mortgages
- Section 1639a - Duty of servicers of residential mortgages
- Section 1639b - Residential mortgage loan origination
- Section 1639c - Minimum standards for residential mortgage loans
- Section 1639d - Escrow or impound accounts relating to certain consumer credit transactions
- Section 1639e - Appraisal independence requirements
- Section 1639f - Requirements for prompt crediting of home loan payments
- Section 1639g - Requests for payoff amounts of home loan
- Section 1639h - Property appraisal requirements
- Section 1640 - Civil liability
- Section 1641 - Liability of assignees
- Section 1642 - Issuance of credit cards
- Section 1643 - Liability of holder of credit card
- Section 1644 - Fraudulent use of credit cards; penalties
- Section 1645 - Business credit cards; limits on liability of employees
- Section 1646 - Dissemination of annual percentage rates; implementation, etc.
- Section 1647 - Home equity plans
- Section 1648 - Reverse mortgages
- Section 1649 - Certain limitations on liability
- Section 1650 - Preventing unfair and deceptive private educational lending practices and eliminating conflicts of interest
- Section 1651 - Procedure for timely settlement of estates of decedent obligors
- Part C - Credit Advertising and Limits on Credit Card Fees (§§ 1661 - 1665e)
- Section 1661 - Catalogs and multiple-page advertisements
- Section 1662 - Advertising of downpayments and installments
- Section 1663 - Advertising of open end credit plans
- Section 1664 - Advertising of credit other than open end plans
- Section 1665 - Nonliability of advertising media
- Section 1665a - Use of annual percentage rate in oral disclosures; exceptions
- Section 1665b - Advertising of open end consumer credit plans secured by consumer's principal dwelling
- Section 1665c - Interest rate reduction on open end consumer credit plans
- Section 1665d - Reasonable penalty fees on open end consumer credit plans
- Section 1665e - Consideration of ability to repay
- Part D - Credit Billing (§§ 1666 - 1666j)
- Section 1666 - Correction of billing errors
- Section 1666a - Regulation of credit reports
- Section 1666b - Timing of payments
- Section 1666c - Prompt and fair crediting of payments
- Section 1666d - Treatment of credit balances
- Section 1666e - Notification of credit card issuer by seller of return of goods, etc., by obligor; credit for account of obligor
- 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
- Section 1666g - Tie-in services prohibited for issuance of credit card
- 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
- 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
- Section 1666i-1 - Limits on interest rate, fee, and finance charge increases applicable to outstanding balances
- Section 1666i-2 - Additional limits on interest rate increases
- Section 1666j - Applicability of State laws
- Part E - Consumer Leases (§§ 1667 - 1667f)
- Section 1667 - Definitions
- Section 1667a - Consumer lease disclosures
- Section 1667b - Lessee's liability on expiration or termination of lease
- Section 1667c - Consumer lease advertising; liability of advertising media
- Section 1667d - Civil liability of lessors
- Section 1667e - Applicability of State laws; exemptions by Bureau from leasing requirements
- Section 1667f - Regulations
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