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FDIC Law, Regulations, Related Acts

6500 - Consumer Financial Protection Bureau

Last Updated: January 14, 2022
 


Equal Opportunity Act (Regulation B)


1002.1 Authority, scope and purpose 
1002.2 Definitions 
1002.3 Limited exceptions for certain classes of transactions 
1002.4 General rules 
1002.5 Rules concerning requests for information 
1002.6 Rules concerning evaluation of applications 
1002.7 Rules concerning extensions of credit 
1002.8 Special purpose credit programs 
1002.9 Notifications 
1002.10 Furnishing of credit information 
1002.11 Relation to state law 
1002.12 Record retention 
1002.13 Information for monitoring purposes 
1002.14 Rules on providing appraisals and other valuations 
1002.15 Incentives for self-testing and self-correction 
1002.16 Enforcement, penalties and liabilities 
Appendix A—Federal Agencies To Be Listed in Adverse Action Notices 
Appendix B—Model Application Forms 
Appendix C—Sample Notification Forms 
Appendix D—Issuance of Official Interpretations 
Supplement I—Official Interpretations 

1003 Home Mortgage Disclosure (Regulation C)

Electronic Fund Transfers (Regulation E)

Subpart A—General


1005.1 Authority and purpose 
1005.2 Definitions 
1005.3 Coverage 
1005.4 General disclosure requirements; jointly offered services 
1005.5 Issuance of access devices 
1005.6 Liability of consumer for unauthorized transfers 
1005.7 Initial disclosures 
1005.8 Change in terms notice; error resolution notice 
1005.9 Receipts at electronic terminals; periodic statements 
1005.10 Preauthorized transfers 
1005.11 Procedures for resolving errors 
1005.12 Relation to other laws 
1005.13 Administrative enforcement; record retention 
1005.14 Electronic fund transfer service provider not holding consumer's account 
1005.15 Electronic fund transfer of government benefits 
1005.16 Disclosures at automated teller machines 
1005.17 Requirements for overdraft services 
1005.18 Requirements for financial institutions offering payroll card accounts 
1005.19 Internet posting of prepaid account agreements 
1005.20 Requirements for gift cards and gift certificates 

Subpart B—Requirements for Remittance Transfers

Fair Debt Collection Practices Act (Regulation F)

S.A.F.E. Mortgage Licensing Act—State Compliance and Bureau Registration System (Regulation H)

Subpart A—General

Subpart B-Determination of State Compliance With the S.A.F.E. Act

Subpart C—The Bureau's Loan Originator Licensing System and Nationwide Mortgage Licensing and Registry System

Subpart D—Minimum Requirements for Administration of the NMLSR

Consumer Leasing (Regulation M)

1016 Privacy of Consumer Financial Information (Regulation P)

Subpart A—Privacy and Opt Out Notices

Subpart B—Limits on Disclosures

Subpart C—Exceptions

Subpart D—Relation to Other Laws

Fair Credit Reporting (Regulation V)

Subpart A—General Provisions

Subpart B [Reserved]

Subpart C—Affiliate Marketing

Subpart D—Medical Information

Subpart E—Duties of Furnishers of Information

Subpart F—Duties of Users Regarding Obtaining and Using Consumer Reports

Subpart G [Reserved]

Subpart H—Duties of Users Regarding Risk-Based Pricing

Subpart I—Duties of Users of Consumer Reports Regarding Identity Theft

Subparts J—L [Reserved]

Subpart M—Duties of Consumer Reporting Agencies Regarding Identity Theft

1022.120
1022.121 Active duty alerts 
1022.122 [Reserved]
1022.123 Appropriate proof of identity 
1022.124--1022.129 [Reserved]

Subpart N—Duties of Consumer Reporting Agencies Regarding Disclosures to Consumers

Subpart O—Miscellaneous Duties of Consumer Reporting Agencies


1022.140 [Reserved] Prohibition against circumventing or evading treatment as a consumer reporting agency 
Appendix A [Reserved]
Appendix B—Model Notices of Furnishing Negative Information 
Appendix C—Model Forms for Opt-Out Notices 
Appendix D—Model Forms for Firm Offers of Credit or Insurance 
Appendix E—Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies 
Appendices F-G [Reserved]
Appendix H—Appendix H—Model Forms for Risk-Based Pricing and Credit Score Disclosure Exception Notices 
Appendix I—Summary of Consumer Identity Theft Rights 
Appendix J [Reserved]
Appendix K—Summary of Consumer Rights 
Appendix L—Standardized Form for Requesting Annual File Disclosures 
Appendix M—Notice of Furnisher Responsibilities 
Appendix N—Notice of User Responsibilities 

REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X)


1024.1 Designation 
1024.2 Definitions 
1024.3 Questions or suggestions from public and copies of public guidance documents 
1024.4 Reliance upon rule, regulation or interpretation by the Bureau 
1024.5 Coverage of RESPA 
1024.6 Special information booklet at time of loan application 
1024.7 Good faith estimate 
1024.8 Use of HUD-1 or HUD-1A settlement statements 
1024.9 Reproduction of settlement statements 
1024.10 One-day advance inspection of HUD-1 or HUD-1A settlement statement; delivery; recordkeeping 
1024.11 Mailing 
1024.12 No fee 
1024.13 [Reserved]
1024.14 Prohibition against kickbacks and unearned fees 
1024.15 Affiliated business arrangements 
1024.16 Title companies 
1024.17 Escrow accounts 
1024.18 [Reserved]
1024.19 [Reserved]
1024.20 List of ownership counseling organizations  %6916
1024.30 Scope
1024.31 Definitions
1024.32 General disclosure requirements
1024.33 Mortgage servicing transfers
1024.34 Timely escrow payments and treatment of escrow account balances
1024.35 Error resolution procedures
1024.36 Requests for Information
1024.37 Force-placed insurance
1024.38 General servicing policies, procedures, and requirements
1024.39 Early intervention requirements for certain borrowers
1024.40 Continuity of contact
1024.41 Loss mitigation procedures
Appendix A—Instructions for Completing HUD-1 and HUD-1a Settlement Statements; Sample HUD-1 and HUD-1a Statements 
Appendix B—Illustrations of Requirements of RESPA 
Appendix C—Instructions for Completing Good Faith Estimate (GFE) Form 
Appendix D—Affiliated Business Arrangement Disclosure Statement Format Notice 
Appendix E—Arithmetic Steps 
Appendix MS-1 
Appendix MS-2 
Appendix MS-3 
Appendix MS-4 
Supplement I 

1026 Truth in Lending (Regulation Z)

Subpart A—General

Subpart B—Open-End Credit

Subpart C—Closed-End Credit

Subpart D—Miscellaneous

Subpart E—Special Rules for Certain Home Mortgage Transactions


1026.31 General rules 
1026.32 Requirements for certain high cost mortgages 
1026.33 Requirements for reverse mortgages 
1026.34 Prohibited acts or practices in connection with high-cost Mortgages 
1026.35 Prohibited acts or practices in connection with higher-priced mortgage loans 
1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling 
1026.37 Content of disclosures for certain mortgage transactions (Loan Estimates)  
1026.38 Content of disclosures for certain mortgage transaction (Closing Disclosure)  
1026.39 Mortgage transfer disclosures 
1026.40 Requirements for home equity plans 
1026.41 Periodic statements for residential mortgage loans
1026.42 Valuation independence 
1026.43 Minimum standards for transactions secured by a dwelling
1026.44--1026.45 [Reserved]

Subpart F—Special Rules for Private Education Loans

Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students


1026.51 Ability to Pay 
1026.52 Limitations on fees 
1026.53 Allocation of payments 
1026.54 Limitations on the imposition of finance charges 
1026.55 Limitations on increasing annual percentage rates, fees, and charges 
1026.56 Requirements for over-the-limit transactions 
1026.57 Reporting and marketing rules for college student open-end credit 
1026.58 Internet posting of credit card agreements 
1026.59 Reevaluation of rate increases 
1026.60 Credit and charge card applications and solicitations 
1026.61 Hybrid prepaid credit cards 
Appendix A—Effect on State Laws 
Appendix B—State Exemptions 
Appendix C—Issuance of Official Interpretations 
Appendix D—Multiple Advance Construction Loans 
Appendix E—Rules for Card Issuers That Bill on a Transaction-byTransaction Basis 
Appendix F—Optional Annual Percentage Rate Computations for Creditors Offering Open-End Credit Plans Secured by a Consumer's Dwelling 
Appendix G—Open-End Model Forms and Clauses 
Appendix H—Closed-End Model Forms and Clauses 
Appendix I--[Reserved]
Appendix J—Annual Percentage Rate Computations for Closed-End Credit Transactions 
Appendix K—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions 
Appendix L—Assumed Loan Periods for Computations of Total Annual Loan Cost Rates 
Appendix M1—Repayment Disclosures 
Appendix M2—Sample Calculations of Repayment Disclosures 
Appendix N—Higher-Priced Mortgage Loan Appraisal Safe Harbor Review 
Appendix O—Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules 
Appendix P [Reserved]
Appendix Q—Standards for Determining Monthly Debt and Income 
Supplement I—Official Interpretations 

1030 Truth in Savings (Regulation DD)