PocketLaw | USC 15 | Credit Transactions

Credit Transactions

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Disclosure requirements

Form of disclosure; additional information

Exemption for State-regulated transactions

Effect of subsequent occurrence

Right of rescission as to certain transactions

Repealed. Pub. L. 96–221, title VI, §614(e)(1), Mar. 31, 1980, 94 Stat. 180

Open end consumer credit plans

Disclosure requirements for open end consumer credit plans secured by consumer's principal dwelling

Transactions other than under an open end credit plan

Reset of hybrid adjustable rate mortgages

Requirements for certain mortgages

Duty of servicers of residential mortgages

Residential mortgage loan origination

Minimum standards for residential mortgage loans

Escrow or impound accounts relating to certain consumer credit transactions

Appraisal independence requirements

Requirements for prompt crediting of home loan payments

Requests for payoff amounts of home loan

Property appraisal requirements

Civil liability

Liability of assignees

Issuance of credit cards

Liability of holder of credit card

Fraudulent use of credit cards; penalties

Business credit cards; limits on liability of employees

Dissemination of annual percentage rates; implementation, etc.

Home equity plans

Reverse mortgages

Certain limitations on liability

Preventing unfair and deceptive private educational lending practices and eliminating conflicts of interest

Procedure for timely settlement of estates of decedent obligors