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Home Ownership and Equity Protection Act

Mission
Consumer Protection
Law
Pub. L. No. 103-325, 108 Stat. 2190, codified to various parts of Truth in Lending Act, particularly 15 U.S.C. §§ 1601-02, §§1639-41
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...

Energy Independence and Security Act of 2007

Mission
Competition
Consumer Protection
Law
Pub. L. No. 110-140, 121 Stat. 1492, codified in relevant part at 42 U.S.C. § 17021 and §§ 17301-17305
Section 205 of the Act (42 U.S.C. § 17021) requires the Commission to issue rules for the labeling of biodiesel or biodiesel blend fuel sold at retail. Sections 811-815 of this Act (42 U.S.C. §§ 17301...

Bankruptcy Abuse Prevention and Consumer Protection Act of 2005

Mission
Consumer Protection
Law
Pub. L. 109-8 No. 109-8, 119 Stat. 23, §§ 1301-1309, codified in relevant part to 15 U.S.C. §§1637-1638,1664 and 1665b
This Act amends the Truth in Lending Act in various respects, including requiring certain disclosures. Some of its disclosure requirements were superseded by later amendments to the Truth in Lending...
Advisory Opinion Subpage

Advisory Opinion to Solganik (10-23-97)

October 23, 1997 Ms. Vivian L. Solganik OHIO SAVINGS BANK 1801 E. 9th St. - Suite 200 Cleveland, Ohio 44114 Re: FCRA - Employer use of consumer reports Dear Ms. Solganik: This responds to your letter...
Advisory Opinion Subpage

Advisory Opinion to Spritz (11-05-98)

November 5, 1998 Nancy S. Spritz, Esq. Candle, Klitenic & Chernow, LLP Woodholme Professional Building 1838 Greene Tree Road, Suite 370 Baltimore, Maryland 21208 Re: Section 603(k)(1)(B)(iv) of the...
Advisory Opinion Subpage

Advisory Opinion to Hall (10-26-98)

October 26, 1998 William F. Hall, Esquire Law Department United Guaranty Residential Insurance Co. 230 North Elm Street Greensboro, North Carolina 27401 Re: Section 615(a) of the Fair Credit Reporting...
Business Blog

FCRA's Furnisher Rule: It's all about accuracy and integrity

Date
If you report information about consumers to consumer reporting agencies (CRAs) — like a credit bureau, tenant screening company, or check verification service — you have legal obligations under the...
Advisory Opinion Subpage

Advisory Opinion to Schieber (03-03-98)

Division of Credit Practices Bureau of Consumer Protection Clarke W. Brinckerhoff Attorney (202) 326-3224 March 3, 1998 Paul H. Schieber, Esq. Blank Rome Comisky & McCauley One Logan Square...
Business Blog

Last resort

Date
Three FTC cases, 83 civil actions brought by 28 states, more than 184 defendants facing criminal charges in cases filed by federal and local prosecutors, and 25 actions brought by agencies in 10 other...
Business Blog

Calling all cards

Date
We’ve been saying it for years: “What the headline giveth, the footnote cannot taketh away.” The same holds true for the dense block of text, the hidden-away reverse side, the vague hyperlink, or any...