INDEX TO COMPLIANCE REGULATIONS
Advertising of
Membership (FDIC Part 328)
Community
Reinvestment (FDIC Part 345)
Interagency
Questions and Answers Regarding Community Reinvestment
Community
Reinvestment Act
Consumer Credit
Protection Act
Consumer
Leasing Act
Consumer
Protection in Sales of Insurance (FDIC Part 343)
Deposit Insurance
(FDIC Part 330)
Discriminatory
Conduct Under the Fair Housing Act
Electronic Fund
Transfer Act
Equal Credit
Opportunity (FRB Regulation B)
Staff
Interpretations
Equal Credit
Opportunity Act
Fair Credit
Billing Act
Fair Credit
Reporting (FDIC Part 334)
Fair Credit
Reporting Act
Fair Credit
Reporting Act (FTC Statement of Policy)
Fair Debt
Collection Practices Act
Fair Housing
(FDIC Part 338)
Fair
Housing Act
Financial
Institutions Reform, Recovery and Enforcement Act of 1989
Flood Insurance
(FDIC Part 339)
Flood Disaster
Protection Act
Home Mortgage
Disclosure Act
NOW
Accounts
Preservation
of Consumers' Claims and Defenses (FTC)
Privacy of
Consumer Financial Information (Part 332)
Frequently
Asked Questions for the Privacy Regulation
Prohibition
Against Use of Interstate Branches Primarily for Deposit Production
(FDIC Part 369)
Riegle-Neal
Interstate Banking and Branching Efficiency Act
Right to
Financial Privacy Act
Truth in Lending
Act (Consumer Credit Protection Act)
Adjustable Rate
Mortgage Caps
Truth in
Savings Act
CONSUMER CREDIT PROTECTION ACT
Section
Title IConsumer Credit Cost Disclosure
CHAPTER 1GENERAL PROVISIONS
101
Short title
102
Congressional findings and declaration of purpose
103
Definitions and rules of construction
104
Exempted transactions
105
Disclosure guidelines
106
Determination of finance charge
107
Determination of annual percentage rate
108
Administrative enforcement
109
Views of other agencies
110 [Repealed]
111
Effect on other laws
112
Criminal liability for willful and knowing violation
113
Effect on governmental agencies
114
Annual Reports to Congress by Bureau
115
[Repealed]
933
Prohibition on use of "Rule of 78's" in connection with mortgage
refinancings and other consumer loans 502 Board Review of of consumer credit plans and regulations
CHAPTER 2CREDIT TRANSACTIONS
121
Disclosure requirements
122
Form of disclosure; additional information
123
Exemption for State-regulated transactions
124
Effect of subsequent occurrence
125
Right of rescission as to certain transactions
126 [Repealed]
127
Open end consumer credit plans
127A
Disclosure requirements for open end consumer credit plans secured by
the consumer's principal dwelling
128
Consumer credit not under open end credit plans
128A
Reset of hybrid adjustable rate mortgages
129
Requirements for certain mortgages
129A
Duty of servicers of residential mortgages
129B
Residential mortgage loan origination
129C
Minimum standards for residential mortgage loans
129D
Escrow or impound accounts relating to certain consumer credit
transactions
129E
Appraisal independence requirements
129F
Requirements for prompt crediting of home loan payments
129G
Requests for payoff amounts of home loan
129H
Property appraisal requirements
130
Civil liability
131
Liability of assignees
132
Issuance of credit cards
133
Liability of holder of credit card
134
Fraudulent use of credit card; penalties
135
Business credit cards; limits on liability of employees
136
Dissemination of annual percentage rates; implementation, etc.
137
Home equity plans
138
Reverse mortgages
139
Certain limitations on liability
140
Preventing unfair and deceptive private educational lending practices
and Eliminating conflicts of interest
140-A
Procedure for timely settlement of estates of decedent obligor
CHAPTER 3CREDIT ADVERTISING
141
Catalogs and multiple-page advertisements
142
Advertising of downpayments and installments
143
Advertising of open end credit plans
144
Advertising of credit other than open end plans
145
Nonliability of media
146
Use of annual percentage rate in oral disclosures
147
Advertising of open end consumer credit plans secured by consumer's
principal dwelling
148
Interest rate reduction on open end consumer credit plans
149
Reasonable penalty fees on open end consumer credit plans
150
Consideration of ability to repay
CHAPTER 4CREDIT BILLING
161
Correction of billing errors
162
Regulation of credit reports
163
Timing of payments
164
Prompt crediting of payments
165
Treatment of credit balances
166
Prompt notification of returns
167
Inducements to cardholders by sellers of cash discounts for payments by
cash, check or similar means; finance charge for sales transactions
involving cash discounts
168
Prohibition of tie-in services
169
Offset of cardholder's indebtness by issuer of credit card with funds
deposited with issuer by cardholder; remedies of creditors under State
law not affected
170
Assertion by cardholder against card issuer of claims and defenses
arising out of credit card transaction; prerequisites; limitation on
amount of claims defenses
171
Limits on interest rate, fee and finance charge increases applicable to
outstanding balances
172
Additional limits on interest rate increases
173
Applicability of State laws
CHAPTER 5CONSUMER LEASES
181
Definitions
182
Consumer lease disclosures
183
Lessee's liability on expiration or termination of lease
184
Consumer lease advertising; liability of advertising media
185
Civil liability of lessors
186
Applicability of State laws; exemptions by Bureau from leasing
requirements
187
Regulations
Title IIExtortionate Credit Transactions
CHAPTER 42EXTORTIONATE CREDIT TRANSACTIONS
891
Definitions and rules of construction
892
Making extortionate extensions of credit
893
Financing extortionate extensions of credit
894
Collection of extensions of credit by extortionate means
895 [Repealed]
896
Effect on State laws
Title IIIRestriction on Garnishment
301
Congressional findings and declaration of purpose
302
Definitions
303
Restriction on garnishment
304
Restriction on discharge from employment by reason of garnishment
305
Exemption for State-regulated garnishments
306
Enforcement by Secretary of Labor
307
Effect on State laws
Title IVNational Commission on Consumer Finance
401
Establishment
402
Membership of the Commission
403
Compensation of members
404
Duties of the Commission
405
Powers of the Commission
406
Administrative arrangements
407
Authorization of appropriations
Title VGeneral Provisions
501
Severability
502
Captions and catchlines for reference only
503
Grammatical usages
504
Effective dates
Title VIConsumer Credit Reporting
601
Short title
602
Congressional findings and statement of purpose
603
Definitions and rules of construction
604
Permissible purposes of consumer reports
605
Requirements relating to information contained in consumer reports
605A
Identity theft prevention; fraud alerts and active duty alerts
605B
Block of information resulting from identity theft
606
Disclosure of investigative consumer reports
607
Compliance procedures
608
Disclosures to governmental agencies
609
Disclosures to consumers
610
Conditions and form of disclosure to consumers
611
Procedure in case of disputed accuracy
612
Charges for certain disclosures
613
Public record information for employment purposes
614
Restrictions on investigative consumer reports
615
Requirements on users of consumer reports
616
Civil liability for willful noncompliance
617
Civil liability for negligent noncompliance
618
Jurisdiction of courts; limitation of actions
619
Obtaining information under false pretenses
620
Unauthorized disclosures by officers or employees
621
Administrative enforcement
623
Responsibilities of furnishers of information to consumer reporting
agencies
624
Affiliate sharing
625
Relation to State laws
626
Disclosures to FBI for counterintelligence purposes
627
Disclosures to governmental agencies for counterterrorism
purposes
628
Disposal of records
629
Corporate and technological circumvention prohibited
Title VIIEqual Credit Opportunity
701
Scope of prohibition
702
Definitions; rules of construction
703
Promulgation of Regulations by the Bureau
704
Administrative enforcement
704A
Incentives for self-testing and self-correction
704B
Small business loan data collection
705
Applicability of other laws
706
Civil liability
707
Annual reports to Congress
708
Effective date
709
Short title
Title VIIIDebt Collection Practices
801
Short title
802
Congressional findings and declaration of purpose
803
Definitions
804
Acquisition of location information
805
Communication in connection with debt collection
806
Harassment or abuse
807
False or misleading representations
808
Unfair practices
809
Validation of debts
810
Multiple debts
811
Legal actions by debt collectors
812
Furnishing certain deceptive forms
813
Civil liability
814
Administrative enforcement
815
Reports to Congress by the Bureau; views of other Federal agencies
816
Relation to State laws
817
Exemption for State regulation
818
Exception for certain bad check enforcement programs operated by
private entities
819
Effective date
Federal Trade Commission
Staff Commentary on the Fair Debt Collection Practices Act
Title IXElectronic Fund Transfers
901
Short title
902
Congressional findings and declaration of purpose
903
Definitions
904
Regulations
905
Terms and conditions of transfers
906
Documentation of transfers
907
Preauthorized transfers
908
Error resolution
909
Consumer liability
910
Liability of financial institutions
911
Issuance of cards or other means of access
912
Suspension of obligations
913
Compulsory use of electronic fund transfers
914
Waiver of rights
915
General-use prepaid cards, gift certificates, and store gift
cards
916
Civil liability
917
Criminal liability
918
Administrative enforcement
919
Remittance transfers
920
Reasonable fees and rules for payment card transactions
921
Report to Congress
922
Relations to State laws
923
Exemption for State regulation
CIVIL RIGHTS ACT OF 1968TITLE VIII (FAIR HOUSING)
800
Short title
801
Policy
802
Definitions
803
Effective dates of certain prohibitions
804
Discrimination in the sale or rental of housing and other prohibited
practices
805
Discrimination in residential real estate-related transactions
806
Discrimination in the provision of brokerage services
807
Religious organization or private club exemption
808
Administration
808a
Collection of certain data
809
Education and conciliation
810
Administrative enforcement; preliminary matters
811
Subpoenas; giving of evidence
812
Enforcement by secretary
813
Enforcement by private persons
814
Enforcement by the Attorney General
814a
Incentives for self-testing and self-correction
815
Rules to implement title
816
Effect on state laws
817
Cooperation with state and local agencies administering fair housing
laws; utilization of services and personnel; reimbursement; written
agreements; publication in Federal Register
817(a)
Fair Housing Initiatives Program
818
Interference, coercion, or intimidation
819
Authorization of Appropriations
820
Separability
901
Violations; penalties
HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1977TITLE VIII (COMMUNITY REINVESTMENT)
801
Short title
802
Requirements of financial institutions
803
Definitions
804
Examinations by Federal supervisory agencies
805
Annual report to Congress
806
Regulations implementing the Act
807
Written evaluations
808
Operation of branch facilities by minorities and women
809
Small bank regulatory relief
COMPETITIVE EQUALITY BANKING ACT OF 1987
TITLE XIIMISCELLANEOUS PROVISIONS
NOW ACCOUNTS
FINANCIAL INSTITUTIONS REGULATORY AND INTEREST RATE CONTROL ACT OF 1978
Title XIRight to Financial Privacy
1100
Short title
1101
Definitions
1102
Access to financial records by government authorities prohibited;
exceptions
1103
Confidentiality of financial records
1104
Customer authorizations
1105
Administrative subpena and summons
1106
Search warrants
1107
Judicial subpena
1108
Formal written request
1109
Delayed notice
1110
Customer challenges
1111
Duty of financial institutions
1112
Use of information
1113
Exceptions
1114
Special procedures
1115
Cost reimbursement
1116
Jurisdiction
1117
Civil penalties
1118
Injunctive relief
1119
Suspension of Statutes of Limitations
1120
Grand Jury Information
1121 [Repealed]
1122
Applicability to Securities and Exchange Commission
2101
Effective date
DEPARTMENT OF LABOR REGULATIONS: RESTRICTION ON GARNISHMENT
Part 870Restriction On Garnishment
SUBPART AGENERAL
SUBPART BDETERMINATIONS AND INTERPRETATIONS
870.10
Maximum part of aggregate disposable earnings subject to garnishment
under section 303a
870.11
Exceptions to the restrictions provided by section 303(a) of the CCPA
and priorities among garnishments
SUBPART CEXEMPTIONS FOR STATE-REGULATED GARNISHMENTS
870.50
General provision
870.51
Exemption policy
870.52
Application for exemption of State-regulated garnishments
870.53
Action upon an application for exemption
870.54
Standards governing the granting of an application for exemption
870.55
Terms and conditions of every exemption
870.56
Termination of exemption
870.57
Exemptions
Federal Trade Commission
Trade Regulation Rule Concerning the Preservation of Consumers, Claims
and Defenses
HOME MORTGAGE DISCLOSURE ACT OF 1975
301
Short title
302
Congressional findings and declaration of purpose
303
Definitions
304
Maintenance of records and public disclosure
305
Enforcement
306
Relation to State laws
307
Compliance improvement methods
308
Report
309
Effective date
310
Compilation of aggregate data
311
Disclosure by the Secretary; commencement, scope, etc
FEDERAL DEPOSIT INSURANCE CORPORATION IMPROVEMENT ACT OF 1991
Title IIRegulatory Improvement
SUBTITLE FTRUTH IN SAVINGS
261.
Short Title
262.
Findings and Purpose
(a)
Findings
(b)
Purpose
263.
Disclosure of Interest Rates and Terms of Accounts
(a)
In general
(b)
Broadcast and electronic media and outdoor advertising exception
(c)
Disclosure required for on-premise displays
(d)
Misleading description of free or no-cost accounts prohibited
(e)
Misleading or inaccurate advertisements, etc., prohibited
264.
Account Schedule
(a)
In general
(b)
Information on fees and changes
(c)
Information on interest rates
(d)
Other information
(e)
Style and format
265.
Disclosure Requirements for Certain Accounts
266.
Distribution of Schedules
(a)
In general
(b)
Distribution in case of certain initial deposits
(c)
Distribution of notice of certain changes
(d)
Distribution in case of accounts established by more than 1 individual
or by a group
(e)
Notice to account holders as of the effective date of regulations
267.
Payment of Interest
(a)
Calculated on full amount of principal
(b)
No particular method of compounding interest required
(c)
Date by which interest must accrue
268.
Periodic Statements
269.
Regulations
(a)
In general
(b)
Model forms and clauses
270.
Administrative Enforcement
(a)
In general
(b)
Additional enforcement powers
(c)
Regulations by agencies other than the Board
271.
[Repealed]
272.
Credit Unions
(a)
In general
(b)
Regulations prescribed by the NCUA
273.
Effect on State Law
274.
Definitions
RIEGLE-NEAL INTERSTATE BANKING AND BRANCHING EFFICIENCY ACT OF 1994
1
Short title; table of contents
107
Equalizing competitive opportunities for United States and foreign
banks
109
Prohibition against deposit production offices
111
Restatement of existing law
112
GAO report on data collection under interstate branching
210
Study and report on the United States financial services system
FLOOD DISASTER PROTECTION ACT OF 1973
2.
Additional Congressional findings and declaration of purpose
3.
Additional definitions
102.
Flood insurance purchase and compliance requirements and escrow
Accounts
21.
Treatment of Floodproofed Residential Basements
202.
Nonparticipation in flood insurance program
205.
Rules and regulations
CHAPTER 1OFFICE OF ASSISTANT SECRETARY FOR EQUAL OPPORTUNITY, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
Subpart AGeneral
100.1
Authority
100.5
Scope
100.7
Liability for discriminatory housing practices
100.10
Exemptions
100.20
Definitions
SUBPART BDISCRIMINATORY HOUSING PRACTICES
100.50
Real estate practices prohibited
100.60
Unlawful refusal to sell or rent or to negotiate for the sale or
rental
100.65
Discrimination in terms, conditions and privileges and in services and
facilities
100.70
Other prohibited sale and rental conduct
100.75
Discriminatory advertisements, statements and notices
100.80
Discriminatory representations on the availability of dwellings
100.85
Blockbusting
100.90
Discrimination in the provision of brokerage services
Subpart CDiscrimination in Residential Real Estate-Related Transactions
100.110
Discriminatory practices in residential real estate-related
transactions
100.115
Residential real estate-related transactions
100.120
Discrimination in the making of loans and in the provision of other
financial assistance
100.125
Discrimination in the purchasing of loans
100.130
Discrimination in the terms and conditions for making available loans
or other financial assistance
100.135
Unlawful practices in the selling, brokering, or appraising of
residential real property
100.140
General rules
100.141
Definitions
100.142
Types of information
100.143
Appropriate corrective action
100.144
Scope of privilege
100.145
Loss of privilege
100.146
Limited use of privileged information
100.147
Adjudication
100.148
Effective date
Subpart DProhibition Against Discrimination Because of Handicap
100.200
Purpose
100.201
Definitions
100.201a
Incorporation by reference
100.202
General prohibitions against discrimination because of handicap
100.203
Reasonable modifications of existing premises
100.204
Reasonable accommodations
100.205
Design and construction requirements
Subpart EHousing for Older Persons
100.300
Purpose
100.301
Exemption
100.302
State and Federal elderly housing programs
100.303
62 or over housing
100.304
Housing for persons who are 55 years of age or older
100.305
80 percent occupancy
100.306
Intent to operate as housing designed for persons who are 55 years of
age or older
100.307
Verification of occupancy
100.308
Good faith defense against civil money damages
Subpart FInterference, Coercion or Intimidation
Subpart GDiscriminatory Effect
100.500
Discriminatory effect prohibited
100.600
Quid pro quo and hostile environment harassment
Appendix
PART 229AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)
Subpart AGeneral
Subpart BAvailability of Funds and Disclosure of Funds Availability Policies
229.10
Next-day availability
229.11 [Repealed]
229.12
Availability schedule
229.13
Exceptions
229.14
Payment of interest
229.15
General disclosure requirements
229.16
Specific availability policy disclosure
229.17
Initial disclosures
229.18
Additional disclosure requirements
229.19
Miscellaneous
229.20
Relation to state law
229.21
Civil liability
Subpart C--Collection of Checks
229.30
Paying bank's responsibility for return of checks
229.31
Returning bank's responsibility for return of checks
229.32
Depositary bank's responsibility for returned checks
229.33
Notice of nonpayment
229.34
Warranties
229.35
Indorsements
229.36
Presentment and issuance of checks
229.37
Variation by agreement
229.38
Liability
229.39
lnsolvency of bank
229.40
Effect of merger transaction
229.41
Relation to State law
229.42
Exclusions
229.43
Checks payable in Guam, American Samoa, and the Northern Mariana
Islands
Subpart D--Substitute Checks
229.51
General provisions governing substitute checks
229.52
Substitute check warranties
229.53
Substitute check indemnity
229.54
Expedited recredit for consumers
229.55
Expedited recredit for banks
229.56
Liability
229.57
Consumer awareness
229.58
Mode of delivery of information
229.59
Relation to other law
229.60
Variation by agreement
Appendix ARouting Number Guide to Next-Day Availability Checks and Local Checks
Appendix B [Reserved]
Appendix D [Reserved]
Appendix FOfficial Board Interpretations; Preemption Determinations