15 U.S.C. Chapter 41 — CONSUMER CREDIT PROTECTION

• § 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
• § 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
• § 1615— Prohibition on use of “Rule of 78’s” in connection with mortgage refinancings and other consumer loans
• § 1616— Board review of consumer credit plans and regulations
• § 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
• § 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
• § 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
• § 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
• § 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
• § 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
• § 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
• § 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
• § 1681c–3— Adverse information in cases of trafficking
• § 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
• § 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
• § 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
• § 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