FDIC Home - Federal Deposit Insurance Corporation
FDIC - 75 years
FDIC Home - Federal Deposit Insurance Corporation

 
Skip Site Summary Navigation   Home     Deposit Insurance     Consumer Protection     Industry Analysis     Regulations & Examinations     Asset Sales     News & Events     About FDIC  

Home > Regulation & Examinations > Laws & Regulations > FDIC Law, Regulations, Related Acts



FDIC Law, Regulations, Related Acts


[Table of Contents] [Previous Page] [Next Page] [Search]

6500 - Consumer Protection


CONSUMER PROTECTION
______________

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 (FRB Regulation M)
Staff Commentary
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 Transfers (FRB Regulation E)
Staff Interpretations
Electronic Fund Transfer Act
Equal Credit Opportunity (FRB Regulation B)
Staff Interpretations
Equal Credit Opportunity Act
Expedited Funds Availability (FRB Regulation CC)
Staff Commentary
Expedited Funds Availability Act
Fair Credit Billing Act
Fair Credit Reporting (FDIC Part 334)
Fair Credit Reporting Act
Fair Credit Reporting Act (FTC Statement of Policy)
Fair Credit Reporting Act (FDIC Q & As)
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 (FRB Regulation C)
Staff Commentary
Home Mortgage Disclosure Act
Interest on Deposits (FDIC Part 329)
NOW Accounts
Preservation of Consumers' Claims and Defenses (FTC)
Privacy of Consumer Financial Information (Part 332)
Frequently Asked Questions for the Privacy Regulation
Prohibition on Interstate Branching for Deposit Production (FDIC Part 369)
Riegle-Neal Interstate Banking and Branching Efficiency Act
Real Estate Settlement Procedures (HUD Regulations X)
Real Estate Settlement Procedures Act
Right to Financial Privacy Act
Truth in Lending (FRB Regulation Z) (Effective Date July 1, 2010)
Truth in Lending (FRB Regulation Z)
Truth in Lending Act (Consumer Credit Protection Act)
Truth in Lending Commentary
Adjustable Rate Mortgage Caps
Truth in Savings (FRB Regulation DD)
Staff Interpretations (FRB Part 230)
Truth in Savings Act
Unfair or Deceptive Acts or Practices (FRB Regulation AA)
Staff Guidance

CONSUMER PROTECTION
______________

TABLE OF CONTENTS

CONSUMER CREDIT PROTECTION ACT

Title I—Consumer Credit Cost Disclosure

CHAPTER 1—GENERAL PROVISIONS

CHAPTER 2—CREDIT TRANSACTIONS


SEC. 121 General requirement of disclosure
SEC. 122 Form of disclosure; additional information
SEC. 123 Exemption for State-regulated transactions
SEC. 124 Effect of subsequent occurrence
SEC. 125 Right of rescission as to certain transactions
SEC. 126 [Repealed]
SEC. 127 Open end consumer credit plans
SEC. 127A Disclosure requirements for open end consumer credit plans secured by the consumer's principal dwelling
SEC. 128 Consumer credit not under open end credit plans
SEC. 129 Requirements for certain mortgages  
SEC. 130 Civil liability
SEC. 131 Liability of assignees
SEC. 132 Issuance of credit cards
SEC. 133 Liability of holder of credit card
SEC. 134 Fraudulent use of credit card  
SEC. 135 Business credit cards  
SEC. 136 Dissemination of annual percentage rates  
SEC. 137 Home equity plans
SEC. 138 Reverse mortgages
SEC. 139 Certain limitations on liability

CHAPTER 3—CREDIT ADVERTISING

CHAPTER 4—CREDIT BILLING

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


SEC. 601 Short title
SEC. 602 Findings and purpose
SEC. 603 Definitions and rules of construction
SEC. 604 Permissible purposes of reports
SEC. 605 Requirements relating to information contained in consumer reports
SEC. 605A Identity theft prevention; fraud alerts and active duty alerts
SEC. 605B Block of information resulting from identity theft
SEC. 606 Disclosure of investigative consumer reports
SEC. 607 Compliance procedures
SEC. 608 Disclosures to governmental agencies
SEC. 609 Disclosures to consumers
SEC. 610 Conditions and form of disclosure to consumers
SEC. 611 Procedure in case of disputed accuracy
SEC. 612 Charges for certain disclosures
SEC. 613 Public record information for employment purposes
SEC. 614 Restrictions on investigative consumer reports
SEC. 615 Requirements on users of consumer reports
SEC. 616 Civil liability for willful noncompliance
SEC. 617 Civil liability for negligent noncompliance
SEC. 618 Jurisdiction of courts; limitation of actions
SEC. 619 Obtaining information under false pretenses
SEC. 620 Unauthorized disclosures by officers or employees
SEC. 621 Administrative enforcement
SEC. 623 Responsibilities of furnishers of information to consumer reporting agencies
SEC. 624 Affiliate sharing
SEC. 625 Relation to State laws
SEC. 626 Disclosures to FBI for counterintelligence purposes
SEC. 627 Disclosures to governmental agencies for counterterrorism purposes
SEC. 628 Disposal of records
SEC. 629 Corporate and technological circumvention prohibited

Title VII—Equal Credit Opportunity

Title VIII—Debt Collection Practices

Title IX—Electronic Fund Transfers

FEDERAL RESERVE BOARD'S REGULATION Z


PART 226—TRUTH IN LENDING


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


SEC. 226.31 General rules
SEC. 226.32 Requirements for certain closed-end home mortgages
SEC. 226.33 Requirements for reverse mortgages
SEC. 226.34 Prohibited acts or practices in connection with credit secured by a consumer's dwelling
SEC. 226.35 Prohibited acts or practices in connection with higher-priced mortgage loans
SEC. 226.36 Prohibited acts or practices in connection with credit secured by a consumer's principal dwelling
Appendix A—Effect on state laws
Appendix B—State exemptions
Appendix C—Issuance of staff interpretations
Appendix D—Multiple advance construction loans
Appendix E—Rules for card issuers that bill on a transaction-by-transaction basis
Appendix F—Annual percentage rate computations for certain open-end credit plans
Appendix G—Open-end model forms and clauses
Appendix H—Closed-end model forms and clauses
Appendix I—Federal enforcement agencies
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

FEDERAL RESERVE BOARD'S REGULATION M PART 213—CONSUMER LEASING

[Commentary] Subpart A—General

[Commentary] Subpart B—Open-End Credit

[Commentary] Subpart C—Closed-End Credit

[Commentary] Subpart D—Miscellaneous

[Commentary] Subpart E—Special Rules for Certain Home Mortgage Transactions


226.31 General Rules
226.32 Requirements for Certain Closed-End Home Mortgages
226.33 Requirements for Reverse Mortgages
226.34 Prohibited Acts or Practices in Connection with Credit Secured by a Consumer's Dwelling; Open-end Credit
Appendix A to Part 226—Effect on State Laws
Appendix B to Part 226—State Exemptions
Appendix C to Part 226—Issuance of Staff Interpretations
Appendix D to Part 226—Multiple-Advance Construction Loans
Appendix E to Part 226—Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis
Appendix F to Part 226—Annual Percentage Rate Computations for Certain Open-End Credit Plans
Appendix G to Part 226—Open-End Model Forms and Clauses
Appendix H to Part 226—Closed-End Model Forms and Clauses
Appendix I to Part 226—Federal Enforcement Agencies
Appendix J to Part 226—Annual Percentage Rate Computations for Closed-End Credit Transactions
Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions
Appendix L to Part 226—Assumed Loan Periods for Computations of Total Annual Loan Cost Rates

CIVIL RIGHTS ACT OF 1968—TITLE VIII (FAIR HOUSING)


SEC. 800 Short title
SEC. 801 Policy
SEC. 802 Definitions
SEC. 803 Effective dates of certain prohibitions
SEC. 804 Discrimination in the sale or rental of housing and other prohibited practices
SEC. 805 Discrimination in residential real estate-related transactions
SEC. 806 Discrimination in the provision of brokerage services
SEC. 807 Exemption
SEC. 808 Administration
SEC. 808a Collection of certain data
SEC. 809 Education and conciliation
SEC. 810 Administrative enforcement; preliminary matters
SEC. 811 Subpoenas; giving of evidence
SEC. 812 Enforcement by secretary
SEC. 813 Enforcement by private persons
SEC. 814 Enforcement by the Attorney General
SEC. 814a Incentives for self-testing and self-correction
SEC. 815 Rules to implement title
SEC. 816 Effect on state laws
SEC. 817 Cooperation with state and local agencies administering fair housing laws
SEC. 818 Interference, coercion, or intimidation
SEC. 819 Appropriations
SEC. 820 Separability of provisions
SEC. 901 Violations; penalties

HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1977—TITLE VIII (COMMUNITY REINVESTMENT)

COMPETITIVE EQUALITY BANKING ACT OF 1987

TITLE XII—MISCELLANEOUS PROVISIONS

DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT'S REGULATION X

PART 3500—REAL ESTATE SETTLEMENT PROCEDURES ACT


SEC. 3500.1 Designation
SEC. 3500.2 Definitions
SEC. 3500.3 Questions or suggestions from public and copies of public guidance documents
SEC. 3500.4 Reliance upon rule, regulation or interpretation by HUD
SEC. 3500.5 Coverage of RESPA
SEC. 3500.6 Special information booklet at time of loan application
SEC. 3500.7 Good faith estimate
SEC. 3500.8 Use of HUD–1 or HUD–1A settlement statements
SEC. 3500.9 Reproduction of settlement statements
SEC. 3500.10 One-day advance inspection of HUD–1 or HUD–1A settlement statement; delivery; recordkeeping
SEC. 3500.11 Mailing
SEC. 3500.12 No fee
SEC. 3500.13 Relation to state laws
SEC. 3500.14 Prohibition against kickbacks and unearned fees
SEC. 3500.15 Affiliated business arrangements.
SEC. 3500.16 Title companies
SEC. 3500.17 Escrow accounts
SEC. 3500.18 Validity of contracts and liens
SEC. 3500.19 Enforcement
SEC. 3500.20 [Reserved]
SEC. 3500.21 Mortgage servicing transfers
SEC. 3500.22 Severability
SEC. 3500.23 ESIGN applicability
Appendix A to Part 3500—Instructions for Completing HUD–1 and HUD–1A Settlement Statements; Sample HUD–1 and HUD 1–A Statements
Appendix B to Part 3500—Illustration of Requirements of RESPA
Appendix C to Part 3500—Sample Form of Good Faith Estimate
Appendix D to Part 3500—Affiliated Business Arrangement Disclosure Statement Format
Appendix E to Part 3500—Arithmetic Steps
Appendix MS-1 to Part 3500—Servicing Disclosure Statement
Appendix MS-2 to Part 3500—Notice of Assignment, Sale, or Transfer of Servicing Rights
RESPA interpretive rulings

REAL ESTATE SETTLEMENT PROCEDURES ACT OF 1974

NOW ACCOUNTS

FINANCIAL INSTITUTIONS REGULATORY AND INTEREST RATE CONTROL ACT OF 1978

Title XI—Right to Financial Privacy


SEC. 1100 Short title
SEC. 1101 Definitions
SEC. 1102 Confidentiality of records—government authorities
SEC. 1103 Confidentiality of records–financial institutions
SEC. 1104 Customer authorizations
SEC. 1105 Administrative subpena and summons
SEC. 1106 Search warrants
SEC. 1107 Judicial subpena
SEC. 1108 Formal written request
SEC. 1109 Delayed notice—preservation of records
SEC. 1110 Customer challenge provisions
SEC. 1111 Duty of financial institutions
SEC. 1112 Use of information
SEC. 1113 Exceptions
SEC. 1114 Special procedures
SEC. 1115 Cost reimbursement
SEC. 1116 Jurisdiction
SEC. 1117 Civil penalties
SEC. 1118 Injunctive relief
SEC. 1119 Suspension of Statutes of Limitations
SEC. 1120 Grand Jury Information
SEC. 1121 [Repealed]
SEC. 1122 Securities and Exchange Commission
SEC. 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

FEDERAL TRADE COMMISSION REGULATIONS: STATEMENT OF GENERAL POLICY OR INTERPRETATION

Part 600—Statement of General Policy or Interpretation

FDIC RELEASE: QUESTIONS AND ANSWERS REGARDING THE APPLICABILITY OF THE FAIR CREDIT REPORTING ACT TO THE OPERATIONS OF BANKS

Financial Institutions and the Fair Credit Reporting Act

FEDERAL RESERVE BOARD'S REGULATION B
PART 202—EQUAL CREDIT OPPORTUNITY


202.1 Authority, scope and purpose
202.2 Definitions
202.3 Limited exceptions for certain classes of transactions
202.4 General rules
202.5 Rules concerning requests for information
202.6 Rules concerning evaluation of applications
202.7 Rules concerning extensions of credit
202.8 Special purpose credit programs
202.9 Notifications
202.10 Furnishing of credit information
202.11 Relation to state law
202.12 Record retention
202.13 Information for monitoring purposes
202.14 Rules on providing appraisal reports
202.15 Incentives for self-testing and self-correction
202.16 Enforcement, penalties and liabilities
Appendix A to Part 202—Federal enforcement agencies
Appendix B to Part 202—Model application forms
Appendix C to Part 202—Sample notification forms
Appendix D to Part 202—Issuance of staff interpretations
Supplement I to Part 202—Official Staff Interpretations

PART 203—HOME MORTGAGE DISCLOSURE (REGULATION C)

HOME MORTGAGE DISCLOSURE ACT OF 1975

FEDERAL RESERVE BOARD'S REGULATION E
PART 205—ELECTRONIC FUND TRANSFERS


SEC. 205.1 Authority and purpose
SEC. 205.2 Definitions
SEC. 205.3 Coverage
SEC. 205.4 General disclosure requirements; jointly offered services
SEC. 205.5 Issuance of access devices
SEC. 205.6 Liability of consumer for unauthorized transfers
SEC. 205.7 Initial disclosures
SEC. 205.8 Change in terms notice; error resolution notice
SEC. 205.9 Receipts at electronic terminals; periodic statements
SEC. 205.10 Preauthorized transfers
SEC. 205.11 Procedures for resolving errors
SEC. 205.12 Relation to other laws
SEC. 205.13 Administrative enforcement; record retention
SEC. 205.14 Electronic fund transfer service provider not holding consumer's account
SEC. 205.15 Electronic fund transfer of government benefits
SEC. 205.16 Disclosures at automated teller machines
SEC. 205.17 [Reserved]
SEC. 205.18 Requirements for financial institutions offering payroll card accounts
Appendix A to Part 205—Model Disclosure Clauses and Form
Appendix B to Part 205—Federal Enforcement Agencies
Appendix C to Part 205—Issuance of Staff Interpretations
Supplement 1 to Part 205—Official Staff Interpretations

PART 227—UNFAIR OR DECEPTIVE ACTS OR PRACTICES
(REGULATION AA)

Subpart A—Consumer Complaints

Subpart B—Credit Practices Rule

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

Subpart C—Collection of Checks


SEC. 229.30 Paying bank's responsibility for return of checks
SEC. 229.31 Returning bank's responsibility for return of checks
SEC. 229.32 Depositary bank's responsibility for returned checks
SEC. 229.33 Notice of nonpayment
SEC. 229.34 Warranties
SEC. 229.35 Indorsements
SEC. 229.36 Presentment and issuance of checks
SEC. 229.37 Variation by agreement
SEC. 229.38 Liability
SEC. 229.39 Insolvency of bank
SEC. 229.40 Effect of merger transaction
SEC. 229.41 Relation to state law
SEC. 229.42 Exclusions
SEC. 229.43 Checks payable to Guam, American Samoa, and the Northern Mariana Islands
SEC. 229.51 General Provisions governing substitute checks
SEC. 229.52 Substitute check warranties
SEC. 229.53 Substitute check indemnity
SEC. 229.54 Expedited recredit for consumers
SEC. 229.55 Expedited recredit for banks
SEC. 229.56 Liability
SEC. 229.57 Consumer awareness
SEC. 229.58 Mode of delivery of information
SEC. 229.59 Relation to other law
SEC. 229.60 Variation by agreement
Appendix A to Part 229—Routing Number Guide to Next-Day Availability Checks and Local Checks
Appendix B to Part 229—Reduction of Schedules for Certain Nonlocal Checks
Appendix C to Part 229—Model Availability Policy Disclosures, Clauses, and Notices; Model Substitute Check Policy Disclosures and Notices
Appendix D to Part 229—Indorsement, Reconverting Bank Identification, and Truncating Bank Identification Standards
Appendix E to Part 229—Commentary
Appendix F to Part 229—Official Board Interpretations; Preemption Determinations
Board Policy Statement on Delayed Disbursement of Teller's Checks and Cashier's Checks

COMPETITIVE EQUALITY BANKING ACT OF 1987

TITLE I—FINANCIAL INSTITUTIONS COMPETITIVE EQUALITY

TITLE II—MORATORIUM ON CERTAIN NONBANKING ACTIVITIES

TITLE VI—EXPEDITED FUNDS AVAILABILITY

FEDERAL RESERVE BOARD'S REGULATION DD
PART 230—TRUTH IN SAVINGS

FEDERAL DEPOSIT INSURANCE CORPORATION IMPROVEMENT ACT OF 1991

Title II—Regulatory Improvement

Subtitle F—Truth in Savings


SEC. 261. Short Title
SEC. 262. Findings and Purpose
(a) Findings
(b) Purpose
SEC. 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
SEC. 264. Account Schedule
(a) In general
(b) Information on fees and changes
(c) Information on interest rates
(d) Other information
(e) Style and format
SEC. 265. Disclosure Requirements for Certain Accounts
SEC. 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
SEC. 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
SEC. 268. Periodic Statements
SEC. 269. Regulations
(a) In general
(b) Model forms and clauses
SEC. 270. Administrative Enforcement
(a) In general
(b) Additional enforcement powers
(c) Regulations by agencies other than the Board
SEC. 271. [Repealed]
SEC. 272. Credit Unions
(a) In general
(b) Regulations prescribed by the NCUA
SEC. 273. Effect on State Law
SEC. 274. Definitions

RIEGLE-NEAL INTERSTATE BANKING AND BRANCHING EFFICIENCY ACT OF 1994

[Table of Contents] [Previous Page] [Next Page] [Search]

Last updated July 30, 2009 regs@fdic.gov

Home    Contact Us    Search    Help    SiteMap    Forms
Freedom of Information Act (FOIA) Service Center    Website Policies    USA.gov
FDIC Office of Inspector General