Tag: Credit and Loans

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The FTC's Northeast Regional Office hosted a public forum focusing on illegal "predatory" lending practices that often exploit lower-income and minority borrowers and frequently target elderly homeowners. The Predatory Lending Forum brought together about 300 consumer advocates,...
This workshop was part of the FTC and the National Telecommunications and Information Administration's (NTIA) effort to gather information to report to Congress on the benefits and burdens of å¤ 101(c)(1)(C)(ii) of the Electronic Signatures in Global and National Commerce Act ("...
In an FTC action challenging allegedly illegal business practices by a payday loan operation affiliated with American Indian Tribes, a United States Magistrate Judge just issued a report and recommendation on the scope of the FTC Act.  Attorneys will want to give the order a careful...
This Act, amending the Fair Credit Reporting Act (FCRA), adds provisions designed to improve the accuracy of consumers' credit-related records. It gives consumers the right to one free credit report a year from the credit reporting agencies, and consumers may also purchase, for a reasonable fee, a...
This Act, Title IV of the Consumer Credit Protection Act, prohibits untrue or misleading representations and requires certain affirmative disclosures in the offering or sale of "credit repair" services. The Act bars companies offering credit repair services from demanding advance payment, requires...
This Act (Title VII of the Consumer Credit Protection Act) prohibits discrimination on the  basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
Section 151 of this Act (adding Section 43 of the Federal Deposit Insurance Act), as amended by the Financial Services Regulatory Relief Act of 2006, Pub. L. No. 109-351, 120 Stat. 2011, and the Dodd-Frank Act requires that non-federally insured depository institutions disclose in certain...
The Federal Trade Commission Act is the primary statute of the Commission.
This Act prohibits any person engaged in the business of betting, as defined, from knowingly accepting credit, electronic fund transfers, checks, or any other payment involving a financial institution to settle unlawful internet gambling debts. The Treasury Department and the Federal Reserve Board...
This Act (Title IX of the Consumer Credit Protection Act) establishes the rights, liabilities and responsibilities of participants in electronic fund transfer systems. The Act requires financial institutions to adopt certain practices respecting such matters as transaction accounting, and error...
Under this Act (Title VIII of the Consumer Credit Protection Act), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. Such collectors may not, for example, contact debtors at...
This Act (Title I of the Consumer Credit Protection Act) authorizes the Commission to enforce compliance by most non-depository entities with a variety of statutory provisions. Among other requirements, the Act requires creditors who deal with consumers to make certain written disclosures...
The Act, amending the Truth in Lending Act, establishes disclosure requirements and prohibits equity stripping and other abusive practices in connection with high-cost mortgages. The Dodd-Frank Act made substantial amendments to this Act.
This Act, amending the Truth in Lending Act, regulates personal property leases that exceed four months in duration and that are made to consumers for personal, family, or household purposes. The Act requires that certain lease costs and terms be disclosed, imposes limitations on the size of...

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