LAW RESEARCH

Public Records by State

Electronic Fund Transfers (FRB Regulation E) 7361
Staff Interpretations 7389 11
Electronic Fund Transfer Act 6625
Equal Credit Opportunity (FRB Regulation B) 7209 13
Staff Interpretations
Equal Credit Opportunity Act 6610.16 15
Expedited Funds Availability (FRB Regulation CC) 7413 16
Staff Commentary 7418.38 17
Expedited Funds Availability Act 7424
Fair Credit Billing Act 6588.16 19
Fair Credit Reporting Act 6600 20
Fair Credit Reporting Act (FTC Statement of Policy) 7179 21
Fair Credit Reporting Act (FDIC Q & As) 7197 22
Fair Debt Collection Practices Act 6616.01 23
Fair Housing (FDIC Part 338) 2647 24
Fair Housing Act 6987
Flood Insurance (FDIC Part 339) 2663 26
Flood Disaster Protection Act 7497 27
Home Mortgage Disclosure (FRB Regulation C) 7271 28
Staff Commentary 7290 29
Home Mortgage Disclosure Act 7301 30
Interest on Deposits (FDIC Part 329) 2311 31
NOW Accounts 7087 31 col2" width="15%"> 7586.18 {{4-30-02 p.6502}}

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Preservation of Consumers' Claims and Defenses (FTC) 7161 34 row32
Privacy of Consumer Financial Information (Part 332) 2389 35 row32
Frequently Asked Questions for the Privacy Regulation 2404.05 36 row32
Prohibition on Interstate Branching for Deposit Production (FDIC Part 369) 3235 37 row32
Riegle-Neal Interstate Banking and Branching Efficiency Act 7491 38 row32
Real Estate Settlement Procedures (HUD Regulations X) 6991 39 row32
Real Estate Settlement Procedures Act 7071 40 row32
Right to Financial Privacy Act 7091 41 row32
Truth in Lending (FRB Regulation Z) 6641 42 row32
Truth in Lending Act (Consumer Credit Protection Act) 6565 43 row32
Truth in Lending Commentary 6871 44 row32
Adjustable Rate Mortgage Caps 6989 45 row32
Truth in Savings (FRB Regulation DD) 7429 46 row32
Staff Interpretations (FRB Part 230) 7459 47 row32
Truth in Savings Act 7477 48 row32
Unfair or Deceptive Acts or Practices (FRB Regulation AA) 7409 49 row32
Staff Guidance 7412.03.

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SEC. 1 Short title of entire Act 6565

SEC. 109 Views of other agencies 6574
SEC. 110 [Repealed]

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SEC. 111 Effect on other laws 6574
SEC. 112 Criminal liability for willful and knowing violation 6575 13
SEC. 113 Effect on governmental agencies 6575
SEC. 114 Reports by Board and Attorney General 6575 15
SEC. 115 [Repealed]

SEC. 128 Consumer credit not under open end credit plans 6588.01
SEC. 129 Requirements for certain mortgages 6588.04 11
SEC. 130 Civil liability 6588.06
SEC. 131 Liability of assignees 6588.08 13
SEC. 132 Issuance of credit cards 6588.10
SEC. 133 Liability of holder of credit card 6588.10 15
SEC. 134 Fraudulent use of credit card 6588.10-A 16
SEC. 135 Business credit cards 6588.10-A 17
SEC. 136 Dissemination of annual percentage rates 6588.10-B
SEC. 137 Home equity plans 6588.11 19
SEC. 138 Reverse mortgages 6588.13 20
SEC. 139 Certain limitations on liability 6588.13

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SEC. 142 Advertising of downpayments and installments 6588.14 4 row2
SEC. 143 Advertising of open end credit plans 6588.14-A 5 row2
SEC. 144 Advertising of credit other than open end plans 6588.14-A 6 row2
SEC. 145 Nonliability of media 6588.15 7 row2
SEC. 146 Use of annual percentage rate in oral disclosures 6588.15 8 row2
SEC. 147 Advertising of open end consumer credit plans secured by consumer's principal dwelling 6588.15

SEC. 169 Prohibition of offsets 6590.02
SEC. 170 Rights of credit card customers 6591 11
SEC. 171 Relation to State laws 6592

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Sec. 896 Effect on State laws 6594

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SEC. 402 Membership of the Commission 6597 4 row2
SEC. 403 Compensation of members 6597 5 row2
SEC. 404 Duties of the Commission 6597 6 row2
SEC. 405 Powers of the Commission 6598 7 row2
SEC. 406 Administrative arrangements 6599 8 row2
SEC. 407 Authorization of appropriations 6599

SEC. 610 Conditions and form of disclosure to consumers 6610.05
SEC. 611 Procedure in case of disputed accuracy 6610.06 11
SEC. 612 Charges for certain disclosures 6610.08
SEC. 613 Public record information for employment purposes 6610.09 13
SEC. 614 Restrictions on investigative consumer reports 6610.10
SEC. 615 Requirements on users of consumer reports 6610.10 15
SEC. 616 Civil liability for willful noncompliance 6610.12 16
SEC. 617 Civil liability for negligent noncompliance 6610.12 17
SEC. 618 Jurisdiction of courts; limitation of actions 6610.13
SEC. 619 Obtaining information under false pretenses 6610.13 19
SEC. 620 Unauthorized disclosures by officers or employees 6610.13 20
SEC. 621 Administrative enforcement 6610.14 21
SEC. 623 Responsibilities of furnishers of information to consumer reporting agencies 6610.14-B 22
SEC. 624 Relation to State laws 6610.15 23
SEC. 625 Disclosures to FBI for counterintelligence purposes 6610.16 24
SEC. 626 Disclosures to governmental agencies for counterterrorism purposes 6610.18

SEC. 709 Short title 6616.01 {{2-28-02 p.6506}}

202.9 Notifications 7218
202.10 Furnishing of credit information 7220 11
202.11 Relation to state law 7220
202.12 Record retention 7221 13
202.13 Information for monitoring purposes 7222
202.14 Enforcement, penalties and liabilities 7222 15
202.15 Incentives for self-testing and self-correction 7224 16
202.16 [Reserved]

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202.17 Requirements for electronic communication 7224.01
Appendix A—Federal enforcement agencies 7224.02 19
Appendix B—Model application forms 7224.03 20
Appendix C—Sample notification forms 7235 {{2-28-02 p.6513}}

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Appendix D—Issuance of staff interpretations 7240.01 23 row21
Supplement I—Official Staff Interpretations 7241

SEC. 309 Effective date 7308
SEC. 310 Compilation of aggregate data 7309 11
SEC. 311 Disclosure by the Secretary 7309

SEC. 205.10 Preauthorized transfers 7368
SEC. 205.11 Procedures for resolving errors 7369 11
SEC. 205.12 Relation to other law 7371
SEC. 205.13 Administrative enforcement; record retention 7372 13
SEC. 205.14 Electronic fund transfer service provider not holding consumer's account 7373
SEC. 205.15 Electronic fund transfer of government benefits 7374 15
SEC. 205.16 Disclosures at automated teller machines 7375 16
Appendix A to Part 205—Model Disclosure Clauses and Form 7375 17
Appendix B to Part 205—Federal Enforcement Agencies 7379
Appendix C to Part 205—Issuance of Staff Interpretations 7380 19
Supplement 1 to Part 205—Official Staff Interpretations 7389 {{2-28-02 p.6514}}

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SEC. 229.12 Availability schedule 7418.02
SEC. 229.13 Exceptions 7418.03 5
SEC. 229.14 Payment of interest 7418.06 6
SEC. 229.15 General disclosure requirements 7418.06
SEC. 229.16 Specific availability policy disclosure 7418.06
SEC. 229.17 Initial disclosures 7418.08

SEC. 229.18 Additional disclosure requirements 7418.08
SEC. 229.19 Miscellaneous 7418.09 11
SEC. 229.20 Relation to state law 7418.10
SEC. 229.21 Civil liability 7418.11

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SEC. 229.36 Presentment and issuance of checks 7418.18 9 row7
SEC. 229.37 Variation by agreement 7418.19 10 row7
SEC. 229.38 Liability 7418.19 11 row7
SEC. 229.39 Insolvency of bank 7418.21 12 row7
SEC. 229.40 Effect of merger transaction 7418.21 13 row7
SEC. 229.41 Relation to state law 7418.21 14 row7
SEC. 229.42 Exclusions 7418.21 15 row7
SEC. 229.43 Checks payable to Guam, American Samoa, and the Northern Mariana Islands 7418.22 16 row7
Appendix A to Part 229—Routing Number Guide to Next-Day Availability Checks and Local Checks 7418.22 17 row7
Appendix B to Part 229—Reduction of Schedules for Certain Nonlocal Checks 7418.26 18 row7
Appendix C to Part 229—Model Availability Policy Disclosures, Clauses, and Notices 7418.27 19 row7
Appendix D to Part 229—Indorsement Standards 7418.38 20 row7
Appendix E to Part 229—Commentary 7418.38 21 row7
Appendix F to Part 229—Official Board Interpretations; Preemption Determinations 7418.110 22 row7
Board Policy Statement on Delayed Disbursement of Teller's Checks and Cashier's Checks 7418.124

Sec. 609 Regulations and reports by Board 7428.05
Sec. 610 Administrative enforcement 7428.07 11
Sec. 611 Civil liability 7428.08
Sec. 613 Effective dates 7428.09

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SEC. 230.8 Advertising 7434 9 row7
SEC. 230.9 Enforcement and record retention 7435 10 row7
SEC. 230.9 Enforcement and record retention 7435 11 row7
SEC. 230.10 Electronic Communication 7436 12 row7
Appendix A—Annual percentage yield calculation 7436.01 13 row7
Appendix B—Model clauses and sample forms 7442 14 row7
Appendix C—Effect on state laws 7454 15 row7
Appendix D—Issuance of staff interpretations 7454 16 row7
Supplement I to Part 230—Official Staff Interpretations 7459

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(a) In general 7477
(b) Broadcast and electronic media and outdoor advertising exception 7478
(c) Disclosure required for on-premise displays 7478

(d) Misleading description of free or no-cost accounts prohibited 7478
(e) Misleading or inaccurate advertisements, etc., prohibited 7478 11
SEC. 264. Account Schedule

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(a) In general 7479 13
(b) Information on fees and changes 7479
(c) Information on interest rates 7479 15
(d) Other information 7480 16
(e) Style and format 7480 17
SEC. 265. Disclosure Requirements for Certain Accounts 7480
SEC. 266. Distribution of Schedules

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(a) In general 7480 20
(b) Distribution in case of certain initial deposits 7480 21
(c) Distribution of notice of certain changes 7481 22
(d) Distribution in case of accounts established by more than 1 individual or by a group 7481 23
(e) Notice to account holders as of the effective date of regulations 7481 24
SEC. 267. Payment of Interest
(a) Calculated on full amount of principal 7481 26
(b) No particular method of compounding interest required 7482 27
(c) Date by which interest must accrue 7482 28
SEC. 268. Periodic Statements 7482 29
SEC. 269. Regulations

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(a) In general 7482 31
(b) Model forms and clauses 7483 32
SEC. 270. Administrative Enforcement

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(a) In general 7483 34
(b) Additional enforcement powers 7483 35
(c) Regulations by agencies other than the Board 7484 36
SEC. 271. Civil Liability

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(a) Civil liability 7484 {{8-31-00 p.6517}}

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(b) Class action awards 7484 40 row38
(c) Bona fide errors 7485 41 row38
(d) No liability for overpayment 7485 42 row38
(e) Jurisdiction 7485 43 row38
(f) Reliance on Board rulings 7485 44 row38
(g) Notification of and adjustment for errors 7486 45 row38
(h) Multiple interests in 1 account 7486 46 row38
(i) Continuing failure to disclose 7486 47 row38
SEC. 272. Credit Unions

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(a) In general 7487 49 row38
(b) Regulations prescribed by the NCUA 7487 50 row38
SEC. 273. Effect on State Law 7487 51 row38
SEC. 274. Definitions 7487