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6500 - Consumer Financial Protection Bureau


CONSUMER FINANCIAL PROTECTION BUREAU
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TABLE OF CONTENTS

CONSUMER FINANCIAL PROTECTION BUREAU

Equal Opportunity Act (Regulation B)


SEC. 1002.1 Authority, scope and purpose 
SEC. 1002.2 Definitions 
SEC. 1002.3 Limited exceptions for certain classes of transactions 
SEC. 1002.4 General rules 
SEC. 1002.5 Rules concerning requests for information 
SEC. 1002.6 Rules concerning evaluation of applications 
SEC. 1002.7 Rules concerning extensions of credit 
SEC. 1002.8 Special purpose credit programs 
SEC. 1002.9 Notifications 
SEC. 1002.10 Furnishing of credit information 
SEC. 1002.11 Relation to state law 
SEC. 1002.12 Record retention 
SEC. 1002.13 Information for monitoring purposes 
SEC. 1002.14 Rules on providing appraisal reports 
SEC. 1002.15 Incentives for self-testing and self-correction 
SEC. 1002.16 Enforcement, penalties and liabilities 
Appendix A to Part 1002—Federal Agencies To Be Listed in Adverse Action Notices 
Appendix B to Part 1002—Model Application Forms 
Appendix C to Part 1002—Sample Notification Forms 
Appendix D to Part 1002—Issuance of Official Interpretations 
Supplement I to Part 1002—Official Interpretations 

1003 Home Mortgage Disclosure (Regulation C)

Electronic Fund Transfers (Regulation E)

Subpart A—General


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

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

Subpart O—Miscellaneous Duties of Consumer Reporting Agencies


SEC. 1022.140 Prohibition against circumventing or evading treatment as a consumer reporting agency Appendix A to Part 1022 [Reserved]
Appendix B to Part 1022—Model Notices of Furnishing Negative Information 
Appendix C to Part 1022—Model Forms for Opt-Out Notices 
Appendix D to Part 1022—Model Forms for Firm Offers of Credit or Insurance 
Appendix E to Part 1022—Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Appendices F-G to Part 1022 [Reserved]
Appendix H to Part 1022—Appendix H—Model Forms for Risk-Based Pricing and Credit Score Disclosure Exception Notices 
Appendix I to Part 1022—Summary of Consumer Identity Theft Rights Appendix J to Part 1022 [Reserved]
Appendix K to Part 1022—Summary of Consumer Rights 
Appendix L to Part 1022—Standardized Form for Requesting Annual File Disclosures 
Appendix M to Part 1022—Notice of Furnisher Responsibilities 
Appendix N to Part 1022—Notice of User Responsibilities 

REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X)


SEC. 1024.1 Designation 
SEC. 1024.2 Definitions 
SEC. 1024.3 Questions or suggestions from public and copies of public guidance documents 
SEC. 1024.4 Reliance upon rule, regulation or interpretation by the Bureau 
SEC. 1024.5 Coverage of RESPA 
SEC. 1024.6 Special information booklet at time of loan application 
SEC. 1024.7 Good faith estimate 
SEC. 1024.8 Use of HUD-1 or HUD-1A settlement statements 
SEC. 1024.9 Reproduction of settlement statements 
SEC. 1024.10 One-day advance inspection of HUD-1 or HUD-1A settlement statement; delivery; recordkeeping 
SEC. 1024.11 Mailing 
SEC. 1024.12 No fee 
SEC. 1024.13 Relation to state laws 
SEC. 1024.14 Prohibition against kickbacks and unearned fees 
SEC. 1024.15 Affiliated business arrangements 
SEC. 1024.16 Title companies 
SEC. 1024.17 Escrow accounts 
SEC. 1024.18 Validity of contracts and liens 
SEC. 1024.19 Enforcement 
SEC. 1024.20 [Reserved]
SEC. 1024.21 Mortgage servicing transfers 
SEC. 1024.22 Severability 
SEC. 1024.23 ESIGN applicability 
Appendix A to Part 1024—Instructions for Completing HUD-1 and HUD-1a Settlement Statements; Sample HUD-1 and HUD-1a Statements 
Appendix B to Part 1024—Illustrations of Requirements of RESPA 
Appendix C to Part 1024—Instructions for Completing Good Faith Estimate (GFE) Form 
Appendix D to Part 1024—Affiliated Business Arrangement Disclosure Statement Format Notice 
Appendix E to Part 1024—Arithmetic Steps 
Appendix MS-1 to Part 1024  
Appendix MS-2 to Part 1024 

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

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


SEC. 1026.51 Ability to Pay 
SEC. 1026.52 Limitations on fees 
SEC. 1026.53 Allocation of payments 
SEC. 1026.54 Limitations on the imposition of finance charges 
SEC. 1026.55 Limitations on increasing annual percentage rates, fees, and charges 
SEC. 1026.56 Requirements for over-the-limit transactions 
SEC. 1026.57 Reporting and marketing rules for college student open-end credit 
SEC. 1026.58 Internet posting of credit card agreements 
SEC. 1026.59 Reevaluation of rate increases 
SEC. 1026.60 Credit and charge card applications and solicitations 
Appendix A to Part 1026—Effect on State Laws 
Appendix B to Part 1026—State Exemptions 
Appendix C to Part 1026—Issuance of Official Interpretations 
Appendix D to Part 1026—Multiple Advance Construction Loans 
Appendix E to Part 1026—Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis 
Appendix F to Part 1026—Optional Annual Percentage Rate Computations for Creditors Offering Open-End Credit Plans Secured by a Consumer's Dwelling 
Appendix G to Part 1026—Open-End Model Forms and Clauses 
Appendix H to Part 1026— Closed-End Model Forms and Clauses Appendix I to Part 1026--[Reserved]
Appendix J to Part 1026—Annual Percentage Rate Computations for Closed-End Credit Transactions 
Appendix K to Part 1026—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions 
Appendix L to Part 1026—Assumed Loan Periods for Computations of Total Annual Loan Cost Rates 
Appendix M1 to Part 1026—Repayment Disclosures 
Appendix M2 to Part 1026—Sample Calculations of Repayment Disclosures 
Supplement I to Part 1026—Official Interpretations 

1030 Truth in Savings (Regulation DD)

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Last updated September 16, 2013 regs@fdic.gov