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FDIC Law, Regulations, Related Acts

6000 - Consumer Protection

Last Updated: January 14, 2022
 


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 I—Consumer Credit Cost Disclosure


CHAPTER 1—GENERAL PROVISIONS



CHAPTER 2—CREDIT 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126 [Repealed]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 3—CREDIT ADVERTISING



CHAPTER 4—CREDIT 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 5—CONSUMER LEASES



Title II—Extortionate Credit Transactions



CHAPTER 42—EXTORTIONATE CREDIT TRANSACTIONS



Title III—Restriction on Garnishment



Title IV—National Commission on Consumer Finance



Title V—General Provisions



Title VI—Consumer 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 VII—Equal Credit Opportunity



Title VIII—Debt Collection Practices



Title IX—Electronic Fund Transfers



CIVIL RIGHTS ACT OF 1968—TITLE 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 1977—TITLE VIII (COMMUNITY REINVESTMENT)



COMPETITIVE EQUALITY BANKING ACT OF 1987



TITLE XII—MISCELLANEOUS PROVISIONS



NOW ACCOUNTS



FINANCIAL INSTITUTIONS REGULATORY AND INTEREST RATE CONTROL ACT OF 1978

Title XI—Right 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 870—Restriction On Garnishment

SUBPART A—GENERAL



SUBPART B—DETERMINATIONS AND INTERPRETATIONS



SUBPART C—EXEMPTIONS FOR STATE-REGULATED GARNISHMENTS



HOME MORTGAGE DISCLOSURE ACT OF 1975



FEDERAL DEPOSIT INSURANCE CORPORATION IMPROVEMENT ACT OF 1991

Title II—Regulatory Improvement

SUBTITLE F—TRUTH 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



FLOOD DISASTER PROTECTION ACT OF 1973



CHAPTER 1—OFFICE OF ASSISTANT SECRETARY FOR EQUAL OPPORTUNITY, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

Subpart A—General



SUBPART B—DISCRIMINATORY HOUSING PRACTICES



Subpart C—Discrimination in Residential Real Estate-Related Transactions



Subpart D—Prohibition Against Discrimination Because of Handicap



Subpart E—Housing for Older Persons



Subpart F—Interference, Coercion or Intimidation



Subpart G—Discriminatory Effect



PART 229—AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)

Subpart A—General



Subpart B—Availability of Funds and Disclosure of Funds Availability Policies







Appendix A—Routing Number Guide to Next-Day Availability Checks  and Local Checks

Appendix B [Reserved]

Appendix C—Model Availability Policy Disclosures, Clauses, and  Notices; Model Substitute Check Policy Disclosure and Notice

Appendix D [Reserved]

Appendix E—Commentary

Appendix F—Official Board Interpretations; Preemption  Determinations