United States Code · Section
§ 1601 — Congressional Findings And Declaration Of Purpose
15 U.S.C. § 1601
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(a) The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
(b) The Congress also finds that there has been a recent trend toward leasing automobiles and other durable goods for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures. It is the purpose of this subchapter to assure a meaningful disclosure of the terms of leases of personal property for personal, family, or household purposes so as to enable the lessee to compare more readily the various lease terms available to him, limit balloon payments in consumer leasing, enable comparison of lease terms with credit terms where appropriate, and to assure meaningful and accurate disclosures of lease terms in advertisements.
Implementing Regulations
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§ 1.71 Administration.16 C.F.R. § 1.71
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§ 310.3 Deceptive telemarketing acts or practices.16 C.F.R. § 310.3
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§ 310.2 Definitions.16 C.F.R. § 310.2
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§ 310.5 Recordkeeping requirements.16 C.F.R. § 310.5
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§ 25.28 Assigned conclusions and ratings.12 C.F.R. § 25.28
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§ 202.1 Authority, scope and purpose.12 C.F.R. § 202.1
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§ 205.4 General disclosure requirements; jointly offered services.12 C.F.R. § 205.4
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§ 213.1 Authority, scope, purpose, and enforcement.12 C.F.R. § 213.1
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§ 213.2 Definitions.12 C.F.R. § 213.2
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§ 228.28 Assigned conclusions and ratings.12 C.F.R. § 228.28
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§ 226.2 Definitions and rules of construction.12 C.F.R. § 226.2
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§ 303.248 Truth in Lending Act—Relief from reimbursement.12 C.F.R. § 303.248
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§ 345.28 Assigned conclusions and ratings.12 C.F.R. § 345.28
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§ 626.6020 Nondiscriminatory advertising.12 C.F.R. § 626.6020
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§ 614.4560 Requirements for OFI funding relationships.12 C.F.R. § 614.4560
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§ 626.6010 Nondiscrimination in applications.12 C.F.R. § 626.6010
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§ 626.6025 Equal housing lender poster.12 C.F.R. § 626.6025
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§ 707.3 General disclosure requirements.12 C.F.R. § 707.3
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§ 1005.4 General disclosure requirements; jointly offered services.12 C.F.R. § 1005.4
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§ 1004.1 Authority, purpose, and scope.12 C.F.R. § 1004.1
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§ 1013.1 Authority, scope, purpose, and enforcement.12 C.F.R. § 1013.1
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§ 1002.1 Authority, scope and purpose.12 C.F.R. § 1002.1
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§ 1013.2 Definitions.12 C.F.R. § 1013.2
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§ 1026.2 Definitions and rules of construction.12 C.F.R. § 1026.2
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§ 1024.2 Definitions.12 C.F.R. § 1024.2
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§ 1024.12 No fee.12 C.F.R. § 1024.12
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§ 1024.32 General disclosure requirements.12 C.F.R. § 1024.32
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§ 1282.1 Definitions.12 C.F.R. § 1282.1
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§ 113.4 Policy.32 C.F.R. § 113.4
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§ 113.6 Procedures.32 C.F.R. § 113.6
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§ 552.83 Standards of fairness.32 C.F.R. § 552.83
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§ 302-11.201 Residence transaction expenses an agency will not pay.41 C.F.R. § 302-11.201
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§ 123.15 What if I change my mind?13 C.F.R. § 123.15
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§ 36.4312 Interest rates.38 C.F.R. § 36.4312
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§ 249.31 Preservation and inspection of evidence of compliance.14 C.F.R. § 249.31
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§ 4284.908 Compliance with other laws and regulations.7 C.F.R. § 4284.908
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§ 4284.1008 Compliance with other laws and regulations.7 C.F.R. § 4284.1008
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§ 3550.3 Civil rights.7 C.F.R. § 3550.3
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§ 3555.3 Civil rights.7 C.F.R. § 3555.3
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§ 4284.508 Compliance with other laws and regulations.7 C.F.R. § 4284.508
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PART 1026—TRUTH IN LENDING (REGULATION Z)12 C.F.R. pt. 1026
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PART 701—ORGANIZATION AND OPERATION OF FEDERAL CREDIT UNIONS12 C.F.R. pt. 701
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Subpart E—Solicitation on Military Reservations32 C.F.R. pt. 552, subpt. E
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PART 552—REGULATIONS AFFECTING MILITARY RESERVATIONS32 C.F.R. pt. 552
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§ 206.37 Credit standing.24 C.F.R. § 206.37
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§ 203.49 Eligibility of adjustable rate mortgages.24 C.F.R. § 203.49
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§ 50.6 Procedures.32 C.F.R. § 50.6