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Regulated Activities
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Connecticut General Statutes
The Banking Law of Connecticut
Regulated Activities
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Section
36a-645
(Formerly Sec. 36-243a) - Definitions.
Section
36a-646
(Formerly Sec. 36-243b) - Prohibited acts.
Section
36a-647
(Formerly Sec. 36-243c) - Enforcement powers of commissioner. Regulations.
Section
36a-648
Abusive, harassing, fraudulent, deceptive or misleading debt collection practices. Liability. Exemptions. Limitations on actions.
Section
36a-648a
Credit card debt collection actions against parents or legal guardians of students.
Sections
36a-649 to 36a-654
Reserved for future use.
Section
36a-655
(Formerly Sec. 36-364) - Definitions.
Section
36a-656
(Formerly Sec. 36-365) - License requirements and fees. Required system filings. Authority of commissioner to conduct criminal history records checks and deny application for license. Renewal of license. Automatic suspension of license.
Section
36a-657
(Formerly Sec. 36-369) - Suspension, revocation or refusal to renew license or taking of other action. Enforcement powers of commissioner. Removal from office and from employment or retention. Temporary order to cease business.
Section
36a-658
(Formerly Sec. 36-370) - License required. Change in control persons, name or place of business. Use of name. Automatic suspension of license. Surrender of license. Required system filing or notice to commissioner. Unique identifier of license. Advertising of license.
Section
36a-659
(Formerly Sec. 36-372) - Separate bank account for benefit of debtors. Books and records.
Section
36a-660
(Formerly Sec. 36-375) - Licensee's duties. Written agreement required.
Section
36a-661
(Formerly Sec. 36-376) - Prohibited acts.
Section
36a-661a
Written agreement voidable. Licensee claims for restitution.
Section
36a-662
(Formerly Sec. 36-377) - Regulations.
Section
36a-663
(Formerly Sec. 36-378) - Exceptions.
Section
36a-664
(Formerly Sec. 36-380) - Surety bond required. Form of surety bond. Cancellation of bond. Notice. Automatic suspension of license. Notice. Opportunity for hearing.
Section
36a-665
(Formerly Sec. 36-381) - Penalties.
Sections
36a-666 to 36a-670
Reserved for future use.
Section
36a-671
Definitions. Debt negotiation. License application, requirements and fees. Authority of commissioner to conduct criminal history records checks and deny application for license. Abandonment of application. License renewal. Automatic suspension of license or renewal license. Notice. Opportunity for hearing. License not assignable or transferable. Use of name. Surrender of license. Required system filing or notice to commissioner. Unique identifier. Advertisements of licensee.
Section
36a-671a
Suspension, revocation or refusal to renew license or taking other action. Enforcement powers of commissioner. Removal from office and from employment or retention. Temporary order to cease business.
Section
36a-671b
Debt negotiation service contract required. Fees, commissions and other valuable consideration. Noncompliant contracts voidable by consumer.
Section
36a-671c
Exceptions.
Section
36a-671d
Surety bond required. Form of surety bond. Cancellation of bond. Automatic suspension of license. Notice. Opportunity for hearing. Determination of penal sum. Aggregate amount of residential loans.
Section
36a-671e
Requirements re mortgage loan originator license.
Section
36a-671f
Prohibited practices.
Sections
36a-672 to 36a-674
Reserved for future use.
Section
36a-675
(Formerly Sec. 36-416) - Short title: Connecticut Truth-in-Lending Act.
Section
36a-676
(Formerly Sec. 36-393) - Definitions.
Section
36a-677
(Formerly Sec. 36-393a) - State policy.
Section
36a-678
(Formerly Sec. 36-393b) - Compliance with Consumer Credit Protection Act. Exempt transactions.
Section
36a-679
(Formerly Sec. 36-395) - Regulations.
Section
36a-680
(Formerly Sec. 36-398) - Effect of inconsistent law.
Section
36a-681
(Formerly Sec. 36-399) - Penalty.
Section
36a-682
(Formerly Sec. 36-400) - Compliance of governmental instruments. Exemptions from penalties.
Section
36a-683
(Formerly Sec. 36-407) - Failure to comply; liability. Civil action. Right to rescind.
Section
36a-684
(Formerly Sec. 36-414) - Enforcement. Disclosure errors and adjustments.
Section
36a-685
(Formerly Sec. 36-415) - Unenforceable agreements.
Section
36a-686
Civil penalty. Liability.
Sections
36a-687 to 36a-689
Reserved for future use.
Section
36a-690
(Formerly Sec. 36-417z) - Calculation of interest or finance charge rebates. Prohibited methods. Transactions affected.
Sections
36a-691 to 36a-694
Reserved for future use.
Section
36a-695
(Formerly Sec. 36-431) - Definitions.
Section
36a-696
(Formerly Sec. 36-432) - Disclosure to consumer of information re credit report.
Section
36a-697
(Formerly Sec. 36-433) - Exceptions.
Section
36a-698
(Formerly Sec. 36-434) - Regulations.
Section
36a-699
(Formerly Sec. 36-435) - Penalty.
Section
36a-699a
Written summary of consumer's rights.
Section
36a-699b
Dispute by consumer re completeness or accuracy of information.
Section
36a-699c
Procedures by credit rating agency to assure accuracy.
Section
36a-699d
Credit report for use in credit transaction not initiated by consumer.
Section
36a-699e
Existing consent judgment or settlement with Attorney General.
Section
36a-699f
Blocking of information appearing on credit report as result of identity theft.
Section
36a-700
(Formerly Sec. 36-435l) - Credit clinics. Definitions. Contracts. Prohibited acts. Penalties.
Section
36a-701
Security freeze on credit report: Definitions.
Section
36a-701a
Security freeze on credit report. Timing. Disclosure of report to third party during freeze. Procedures for freeze. Refusal by credit rating agency to implement freeze. Exceptions. Prohibition on fees.
Section
36a-701b
*(See end of section for amended version of subparagraph (B) of subdivision (2) of subsection (b) and effective date.) Breach of security re computerized data containing personal information. Notice of breach. Provision of identity theft prevention services and identity theft mitigation services. Delay for criminal investigation. Means of notice. Unfair trade practice.
Section
36a-701c
Regulations.
Sections
36a-702 to 36a-704
Reserved for future use.
Section
36a-705
(Formerly Sec. 36-442) - Definitions.
Section
36a-706
(Formerly Sec. 36-442a) - Mortgage rate lock-in.
Section
36a-707
(Formerly Sec. 36-442b) - Applicant's remedies.
Section
36a-708
Prohibited acts by mortgage brokers.
Sections
36a-709 to 36a-714
Reserved for future use.
Section
36a-715
(Formerly Sec. 36-442m) - Definitions.
Section
36a-716
(Formerly Sec. 36-442n) - Escrow accounts.
Section
36a-717
(Formerly Sec. 36-442o) - Penalties.
Section
36a-718
(Formerly Sec. 36-442p) - Licenses required. Exemptions.
Section
36a-719
Mortgage servicer license. Issuance. Application. Criminal history records checks. Renewal standards. Automatic suspension of license. Abandonment of application. Schedule and report. Unique identifier of license. Advertising of license.
Section
36a-719a
License not assignable or transferable. Change in any control persons. Surrender of license. Change of name or address. Required filings on system or notification of commissioner. Automatic suspension of license.
Section
36a-719b
Expiration of license. Application for renewal. Fees.
Section
36a-719c
Surety bond, fidelity bond and errors and omissions coverage. Cancellation. Automatic suspension of license. Notices.
Section
36a-719d
Records to be maintained by licensee.
Section
36a-719e
Disclosure of notice and schedule of ranges and categories of costs and fees.
Section
36a-719f
Compliance with federal laws and regulations.
Section
36a-719g
Fee schedule. Imposition of late fee or delinquency charge.
Section
36a-719h
Prohibited acts. Duty to establish, enforce and maintain policies and procedures for compliance.
Section
36a-719i
Authority of commissioner re investigations and examinations. Prohibited acts by subjects of investigation or examination.
Section
36a-719j
Suspension, revocation or refusal to renew license or taking of other action. Removal from office and from employment or retention. Temporary order to cease business.
Section
36a-719k
Regulations.
Section
36a-719l
Exemptions.
Sections
36a-720 to 36a-724
Reserved for future use.
Section
36a-725
(Formerly Sec. 36-442aa) - Definitions.
Section
36a-726
(Formerly Sec. 36-442bb) - Disclosure required.
Sections
36a-727 to 36a-734
Reserved for future use.
Section
36a-735
(Formerly Sec. 36-443) - Short title: Home Mortgage Disclosure Act.
Section
36a-736
(Formerly Sec. 36-444) - Definitions.
Section
36a-737
(Formerly Sec. 36-445) - Discrimination in making of home purchase, home improvement and mortgage loans. Applications submitted by members of reserves or National Guard.
Section
36a-738
(Formerly Sec. 36-446) - Disclosure requirements for financial institutions.
Section
36a-739
(Formerly Sec. 36-448) - Reports by financial institutions. Filing requirements.
Section
36a-740
(Formerly Sec. 36-449) - Violations by financial institutions. Rights of loan applicant.
Section
36a-741
(Formerly Sec. 36-451) - Cease and desist order. Enforcement action.
Section
36a-742
(Formerly Sec. 36-452) - Protection of confidentiality of an individual's financial status.
Section
36a-743
(Formerly Sec. 36-454) - Commissioner to analyze home financing.
Section
36a-744
(Formerly Sec. 36-455) - Regulations.
Section
36a-745
Reserved for future use.
Section
36a-746
Short title: Connecticut Abusive Home Loan Lending Practices Act.
Section
36a-746a
Definitions.
Section
36a-746b
Disclosures.
Section
36a-746c
Prohibited provisions in loan agreement.
Section
36a-746d
Report of payment history.
Section
36a-746e
Prohibited acts by lender.
Section
36a-746f
Purchase of insurance by buyer.
Section
36a-746g
Refund or credit of charges.
Sections
36a-747 to 36a-754
Reserved for future use.
Section
36a-755
(Formerly Sec. 36-9h) - Mortgage appraisal practices. Definitions. Regulations.
Section
36a-756
(Formerly Sec. 36-9t) - Title insurance as condition of mortgage on residential real estate prohibited.
Section
36a-757
(Formerly Sec. 36-9u) - Mortgage insurance requirements limited.
Section
36a-758
(Formerly Sec. 36-9y) - Payment of loan proceeds by certified, bank treasurer's or cashier's check or by wire transfer.
Section
36a-758a
Payment of first or secondary mortgage loan proceeds by wire transfer. Time limits. Penalties.
Section
36a-759
(Formerly Sec. 36-4) - Minority of veterans, spouses and widows for purposes of the Servicemen's Readjustment Act.
Section
36a-759a
Compliance with John Warner National Defense Authorization Act for Fiscal Year 2007. Limit on interest rate charged on consumer credit to members of armed services.
Section
36a-760
Nonprime home loans: Definitions; applicability.
Section
36a-760a
Duties of lenders and mortgage brokers relating to nonprime home loans.
Section
36a-760b
Analysis of obligor's ability to pay.
Section
36a-760c
Prohibition against making nonprime home loan when proceeds used to pay off special mortgage.
Section
36a-760d
Requirements for making nonprime home loans.
Section
36a-760e
Restrictions on provisions in nonprime home loans.
Section
36a-760f
Prohibition against dividing or structuring loan to avoid application of nonprime home loan statutory provisions.
Section
36a-760g
Restrictions on making and financing under nonprime home loans. Curing of defaults.
Section
36a-760h
Additional duties of mortgage brokers.
Section
36a-760i
Court action based on lender's failure to comply with statutory requirements.
Section
36a-760j
Prohibition against influencing real estate appraisals.
Sections
36a-761 to 36a-769
Reserved for future use.
Section
36a-770
(Formerly Sec. 42-83) - Applicability of Uniform Commercial Code. Filing and recording. Definitions.
Section
36a-771
(Formerly Sec. 42-84) - General contract requirements.
Section
36a-772
(Formerly Sec. 42-85) - Maximum finance charge on retail sales of motor vehicles and other goods.
Section
36a-773
(Formerly Sec. 42-86) - Insurance.
Section
36a-774
(Formerly Sec. 42-87) - Installment loan contract requirements.
Section
36a-775
(Formerly Sec. 42-88) - Confession of judgment provision invalid.
Section
36a-776
(Formerly Sec. 42-89) - Inclusion of other goods in contract void.
Section
36a-777
(Formerly Sec. 42-90) - Acknowledgment of receipt of notice and statement.
Section
36a-778
(Formerly Sec. 42-91) - Delinquency and collection charges.
Section
36a-779
(Formerly Sec. 42-92) - Assignment of contract.
Section
36a-780
(Formerly Sec. 42-93) - Payments after assignment.
Section
36a-781
(Formerly Sec. 42-94) - Statement of payments made. Receipts.
Section
36a-782
(Formerly Sec. 42-95) - Cancellation of contract on payment in full.
Section
36a-783
(Formerly Sec. 42-96) - Rebate and refund upon prepayment of contract.
Section
36a-784
(Formerly Sec. 42-97) - Renewals and extensions.
Section
36a-785
(Formerly Sec. 42-98) - Foreclosure.
Section
36a-786
(Formerly Sec. 42-99) - Recovery of charges barred by wilful violations.
Section
36a-787
(Formerly Sec. 42-100) - Penalty.
Section
36a-788
(Formerly Sec. 42-100a) - Enforcement action.
Sections
36a-789 to 36a-799
Reserved for future use.
Section
36a-800
(Formerly Sec. 42-127) - Consumer collection agency. Definitions.
Section
36a-801
(Formerly Sec. 42-127a) - License required. Application, issuance, renewal. Authority to conduct criminal history records check. Examination of records. Abandonment of application. Surrender of license. Required system filing or notice of commissioner. Automatic suspension of license. Name and place of business. Change in any control persons. Unique identifier of license. Advertising of license.
Section
36a-801a
Persons engaged in business of collecting child support.
Section
36a-801b
Collection of child support. Written agreement.
Section
36a-802
(Formerly Sec. 42-128a) - Surety bond required. Authority of commissioner to proceed on bond. Cancellation of bond; notice. Automatic suspension of license; notice. Opportunity for hearing.
Section
36a-803
(Formerly Sec. 42-129) - Conviction of certain crimes disqualification to engage in consumer collection business.
Section
36a-804
(Formerly Sec. 42-129a) - Suspension, revocation or refusal to renew license or taking other action. Removal from office and from employement or retention. Temporary order to cease business.
Section
36a-805
(Formerly Sec. 42-131) - Prohibited practices. Exception.
Section
36a-806
(Formerly Sec. 42-131a) - Prohibited practices within and without state. Examination of affairs.
Section
36a-807
(Formerly Sec. 42-131b) - Liability.
Section
36a-808
(Formerly Sec. 42-131c) - Unfair or deceptive practices. Enforcement action.
Section
36a-809
(Formerly Sec. 42-131d) - Commissioner's powers. Regulations.
Section
36a-810
(Formerly Sec. 42-133a) - Penalty.
Section
36a-811
Maintenance of consumer debtor and creditor records.
Section
36a-812
Compliance with Fair Debt Collection Practices Act.
Section
36a-813
Evidence in cause of action for purchased debt owed by consumer debtor.
Section
36a-814
Initiation of cause of action for purchased debt prohibited when statute of limitations has expired. Limitations period not extended by payment or affirmation.
Sections
36a-815 to 36a-829
Reserved for future use.
Section
36a-830
Exchange facilitator. Definitions.
Section
36a-831
Change in control of exchange facilitator. Notification to clients.
Section
36a-832
Fidelity bond. Deposit of exchange funds.
Section
36a-833
Errors and omissions insurance policy; cash or securities deposit; letters of credit.
Section
36a-834
Regulations. Damage claims.
Section
36a-835
Holding and investment of exchange funds.
Section
36a-836
Prohibited activities of exchange facilitators.
Section
36a-837
Civil action. Notice.
Sections
36a-838 to 36a-845
Reserved for future use.
Section
36a-846
Definitions.
Section
36a-847
License required. Exemptions. Application. Authority to conduct criminal history records check. Fees. Examination of records. Automatic suspension of license. Abandonment of application.
Section
36a-848
Name and place of business. Change of name or location. License not transferable or assignable. Change in any control persons. Automatic suspension of license. Required system filing or notice of commissioner. Unique identifier of licensee. Advertisements of licensee.
Section
36a-849
Records to be maintained by licensee.
Section
36a-850
Prohibited activities of student loan servicer licensees and control persons.
Section
36a-851
Commissioner's authority re investigations and examinations. Prohibited acts by subjects of investigation or examination.
Section
36a-852
Suspension, revocation or refusal to renew license. Removal from office and from employment or retention. Temporary order to cease business.
Section
36a-853
Compliance with federal laws and regulations.
Section
36a-854
Regulations.
Sections
36a-855 to 36a-859
Reserved for future use.
Section
36a-860
Financial planners.
Section
36a-860a
Links to educational materials re financial planning and investment advisers on department's Internet web site.