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Legislative History for Pub. Law 94-205 (1976 TILA Amendments)

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Pub. Law 94-222 (1976 TILA Amendments)

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Legislative History for Pub. Law 94-222 (1976 TILA Amendments)

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Legislative History for Pub. Law 94-240 (1976 TILA Amendments)

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Pub. Law 96-221 (1980 TILA Amendments)

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Legislative History for Pub. Law 96-221 (1977-78 TILA Amendments)

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Legislative History for Pub. Law 96-221 (1979-80 TILA Amendments), Pt. 1

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Legislative History for Pub. Law 96-221 (1979-80 TILA Amendments), Pt. 2

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Legislative History for Pub. Law 96-221 (1979-80 TILA Amendments), Pt. 3

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S. Conf. Rep. 96-640 (Mar. 21, 1980)

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In re Encore Capital Group, Inc., File No. 2015-CFPB-0022 (C.F.P.B. Sep. 9, 2015) (consent order)

This is a 2015 CFPB consent order with a major debt buyer that relates in part to the debt buyer’s handling of consumer disputes.

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In re Experian Info. Solutions, Inc. (Mar. 8, 2015) (N.Y. settlement agreement)

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In re Equifax Info. Serv. L.L.C. (May 20, 2015) (assurance of voluntary compliance/assurance of voluntary discontinuance)

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In re Experian Holdings, Inc., Experian Info. Sol., Inc., and ConsumerInfo.com, Inc. (C.F.P.B. Mar. 23, 2017) (consent order)

This is a 2017 CFPB consent order with Experian involving Experian deceptively marketing credit scores to consumers by misrepresenting that the credit scores were the same credit scores lenders use to determine creditworthiness, and by placing advertisements for its products on web pages that consumers accessed through AnnualCreditReport.com before they obtained their free annual file disclosures.

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In the Matter of Equifax Information Services L.L.C., FTC File No. 102 3252, Docket No. C-4387 (FTC March 15, 2013)

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In re Equifax Inc. and Equifax Consumer Servs. LLC, File No. 2017-CFPB-0001 (C.F.P.B. Jan. 3, 2017) (consent order)

This is a 2017 CFPB consent order with Equifax involving Equifax deceptively marketing credit scores to consumers by misrepresenting that the credit scores were the same credit scores lenders use to determine creditworthiness, that the credit scores were free, and by placing advertisements for its products on web pages that consumers accessed through AnnualCreditReport.com before they obtained their free annual file disclosures.

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In re TransUnion Interactive, Inc., Trans Union LLC, and TransUnion, File No. 2017-CFPB-0002 (C.F.P.B. Jan. 3, 2017) (consent order)

This is a 2017 CFPB consent order with Equifax involving Equifax deceptively marketing credit scores to consumers by misrepresenting that the credit scores were the same credit scores lenders use to determine creditworthiness, and that the credit scores were free.