Access to Utility Service
Appendix B Telephone and Telecommunications Materials
- B.1 Universal Service Statutory Provisions
- B.2 Universal Service Regulations
- B.3 FCC Slamming Regulations
Appendix C The Low Income Home Energy Assistance Program (LIHEAP)
- C.1 LIHEAP Statute—42 U.S.C. §§ 8621–8630
- C.2 LIHEAP Regulation—45 C.F.R. §§ 96.80–96.89
- C.3 State LIHEAP Directors
- C.4 LIHEAP Profile
Appendix D The Department of Energy’s Weatherization Assistance Program
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Automobile Fraud
Appendix A Federal Statutes
- A.1 The Motor Vehicle Information and Cost Savings Act
- A.2 Driver’s Privacy Protection Act, 18 U.S.C. §§ 2721–2725
- A.3 National Motor Vehicle Title Information System, 49 U.S.C. §§ 30501–30505
Appendix B Federal Regulations
Collection Actions
Appendix A Selected Provisions of the Servicemembers Civil Relief Act
Appendix B Selected Medical Debt Provisions Regarding the Patient Protection and Affordable Care Act
Appendix C Selected Provisions Governing Collection of Debts Owed to Federal Government
- C.1 Debt Collection Improvement Act
- C.2 Federal Employee Salary Offset Statute—5 U.S.C. § 5514
- C.3 Selected Provisions of Federal Debt Collection Procedures Act
Appendix D Federal Wage Garnishment Statute and Regulations
- D.1 Federal Statutory Restrictions on Garnishment—15 U.S.C. §§ 1671–1677
- D.2 Department of Labor Wage Garnishment Regulations—29 C.F.R. Part 870
Appendix E Treasury Rule Protecting Electronically Deposited Exempt Federal Benefits
Appendix F Selected Federal Exemption Provisions
- F.1 Social Security and SSI Benefits—42 U.S.C. §§ 407, 1383
- F.2 Veterans’ Benefits—38 U.S.C. § 5301
- F.3 Exception Allowing Enforcement of Child Support Claims Against Social Security and Veterans’ Benefits—42 U.S.C. § 659
- F.4 Civil Service and Federal Retirement and Disability Benefits—5 U.S.C. §§ 8130, 8346, 8470
- F.5 Servicemembers’ Pay—37 U.S.C. § 701
- F.6 Military Annuities and Survivors’ Benefits—10 U.S.C. §§ 1440, 1450
- F.7 Student Assistance—20 U.S.C. § 1095a
- F.8 Railroad Retirement Benefits—45 U.S.C. § 231m
- F.9 Merchant Seamen Wages—46 U.S.C. § 11109
- F.10 Longshore and Harbor Workers’ Death and Disability Benefits—33 U.S.C. § 916
- F.11 Foreign Service Retirement and Disability Benefits—22 U.S.C. § 4060
- F.12 Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.—42 U.S.C. § 1717
- F.13 Federal Emergency Management Agency Federal Disaster Assistance—44 C.F.R. § 206.110
Appendix G Federal Trade Commission Credit Practices Rule
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Consumer and Worker Arbitration Provisions
Appendix A The Federal Arbitration Act
Appendix B Federal Limits on Arbitration
- B.1 Prohibition of Arbitrations Involving Residential Mortgage Loans
- B.2 Limits on Arbitration Involving Military Personnel
- B.3 Arbitration Limits for Schools Participating in Direct Loan Program
- B.4 Limits on Arbitration When Consumers Obtain Annual Credit Reports
- B.5 Limits on Arbitration Involving Nursing Homes and Long-Term Care Facilities
- B.6 Arbitration of Disputes Involving Sexual Assault and Sexual Harassment
- B.7 Class Actions Authorized for Servicemembers Civil Relief Act Claims
- B.8 Consumer Financial Protection Bureau and Securities and Exchange Commission Authority to Restrict Arbitration
- B.9 Limits on Arbitration Involving Livestock and Poultry Farmers
- B.10 Limits on Arbitration Involving Whistleblowers
- B.11 Limits on Arbitration Involving Car Dealers and Their Franchisors
Appendix C Rules of the American Arbitration Association
- C.1 Consumer Rules and Fee Schedule
- C.2 Consumer Due Process Protocol
- C.3 Employment Rules and Fee Schedule
- C.4 Consumer Debt Collection Arbitrations
Appendix D JAMS Rules
Consumer Banking and Payments Law
Appendix B Truth in Savings
Appendix C Federal Check Regulation: Check 21, Funds Availability, and Check Collections
- C.1 Check 21 Act
- C.2 Regulation CC
- C.3 Regulation CC Commentary—12 C.F.R. Part 229, Appendix E
- C.4 Other Federal Banking Regulations
Appendix D The Federal Trade Commission’s Telemarketing Sales Rule
Appendix E Electronic Fund Transfers
- E.1 The Electronic Fund Transfer Act
- E.2 Regulation E on Electronic Fund Transfers
- E.3 Official Interpretations of Regulation E
Appendix H Federal Benefits Payments
Appendix I Electronic Signatures and Records
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Consumer Bankruptcy Law and Practice
Appendix A Bankruptcy Statutes
- A.1 Selected Provisions of the Bankruptcy Code, 11 U.S.C. §§ 101–1330
- A.2 Selected Provisions of Title 28 of the United States Code
- A.3 Selected Provisions of Other Titles of the United States Code
- A.4 Selected Uncodified Provisions of Bankruptcy Acts
Appendix B Federal Rules of Bankruptcy Procedure
Appendix C Bankruptcy Policies, Regulations, Fees, and Agency Notices
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Consumer Credit Regulation
Appendix A Federal Credit Regulations
- A.1 Military Lending Act
- A.2 Servicemembers Civil Relief Act—Selected Provisions
- A.3 Federal Rebate Statute
- A.4 Credit Practices Rule, Unfair Late Charges
- A.5 TILA Credit Card Provisions
- A.6 OCC Regulation on Debt Cancellation and Suspension Agreements
Appendix F Rate Exportation
- F.1 National Banks
- F.2 Federal Savings Associations: Selected Statutory Provisions
- F.3 State Banks and Savings Associations
- F.4 State Credit Unions
Appendix G Preemption Based on OCC Regulation of Federal Depositories
Appendix H Preemption of Manufactured Home Loan Interest Rates
Appendix I Federal Credit Unions
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Credit Discrimination
Appendix A Federal Credit Discrimination Statutes
- A.1 Equal Credit Opportunity Act, 15 U.S.C. §§ 1691–1691f
- A.2 Fair Housing Act, 42 U.S.C. §§ 3601–3631
- A.3 Civil Rights Acts, 42 U.S.C. §§ 1981, 1982, 1988
Appendix B Regulation B (Equal Credit Opportunity)
Appendix C Official Interpretations of Regulation B
Appendix D Fair Housing Act Regulations
Appendix E Home Mortgage Disclosure Act and Regulation C
Fair Credit Reporting
Appendix A Fair Credit Reporting Act
- A.1 Cross-Reference Table of 15 U.S.C. Section Numbers with Fair Credit Reporting Act Section Numbers
- A.2 The Fair Credit Reporting Act
Appendix B FCRA Regulations, Interpretations, and Guidelines
- B.2 The Consumer Financial Protection Bureau
- B.3 Federal Trade Commission Regulations
- B.5 Securities and Exchange Commission Regulations
Appendix F Credit Repair Organizations Act
Appendix G The Gramm-Leach-Bliley Act
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Fair Debt Collection
Appendix A Text of the Fair Debt Collection Practices Act
- A.1 Cross-Reference Table of Public Law 95–109 Section Numbers with 15 U.S.C. Section Numbers
- A.2 Fair Debt Collection Practices Act
- A.3 Senate Report No. 95–382 on the Fair Debt Collection Practices Act
Appendix B CFPB Regulations and Interpretations
Federal Deception Law
Appendix A FTC Trade Regulation Rules
- A.1 Introduction
- A.2 Selected FTC Statutory Provisions
- A.3 Negative Option Rule—16 C.F.R. § 425
- A.4 FTC Rule Concerning Cooling-Off Period for Sales Made at Homes or at Certain Other Locations
- A.5 FTC Rule Concerning Preservation of Consumers’ Claims and Defenses
- A.6 Mail, Internet, or Telephone Order Merchandise Rule
- A.7 FTC Franchise Rule—16 C.F.R. § 436
- A.8 FTC Business Opportunity Rule—16 C.F.R. § 437
- A.9 FTC Credit Practices Rule
- A.10 FTC Funeral Industry Practices Rule
- A.11 FTC Used Car Rule
Appendix B Selected Consumer Financial Protection Act Provisions
Appendix C Federal Regulation of Telemarketing, Robocalls, and Junk Faxes
Appendix E Federal RICO Statute
- E.1 Overview
- E.2 The Federal RICO Statute
- E.3 Federal Wire and Mail Fraud Statutes—Selected Provisions
Appendix G Federal False Claims Act
Appendix J Mailing of Unordered Merchandise
Appendix K Restore Online Shoppers’ Confidence Act
Appendix L Federal Regulation of Spam Email
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Home Foreclosures
Appendix A Selected Provisions of the Servicemembers Civil Relief Act
Appendix B Selected Statutes and Regulations Pertaining to Mortgages Held or Insured by the Federal Government
- B.2 Loans Insured by the Department of Housing and Urban Development (HUD)
- B.3 Loans Guaranteed by the Department of Veterans Affairs
- B.4 Loans Held by the Rural Housing Service (formerly the Farmers Home Administration)
- B.5 Loans Guaranteed by the Rural Housing Service, Selected Regulations
- B.6 Rural Development Administrative Notices, Letters and Handbooks
Appendix C Reverse Mortgages
Mortgage Lending
Appendix C Real Estate Settlement Procedures Act
- C.1 Overview of RESPA and Regulation X Statutory, Administrative, and Legislative History Archive
- C.2 Selected Statutory Provisions
- C.3 Selected Regulation X Provisions
Appendix D Truth in Lending Act Substantive Mortgage Regulation
Appendix E National Bank Regulation
- E.1 Rate Exportation Statutory Provisions
- E.2 Dodd-Frank Standards for Preemption Determination
- E.3 OCC Regulations
Appendix F Federal Savings Association Regulation
- F.1 Statutory Provision on Rate Exportation
- F.2 Dodd-Frank Act Provision on Preemption and Regulation
- F.3 Current Regulations
Appendix G Federal Credit Union Regulation
Appendix H Other Substantive Mortgage Restrictions
- H.1 Adjustable Rate Mortgage Caps
- H.2 Federal Rebate Statute
- H.3 Servicemembers Civil Relief Act
- H.4 Secure and Fair Enforcement (S.A.F.E.) for Mortgage Licensing Act
Appendix I Depository Institutions Deregulation and Monetary Control Act of 1980 (DIDA)
Appendix J Alternative Mortgage Transaction Parity Act
Appendix K Loans Insured by Federal Agencies
- K.1 Federal Housing Administration Insured Loans
- K.2 Department of Veterans Affairs (VA) Loans
- K.3 Rural Housing Service (RHS) Insured Loans
Appendix L Federal Reverse Mortgage Provisions
Appendix P Failed Bank Receivership Statutes
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Mortgage Servicing and Loan Modifications
Appendix A Federal Mortgage Servicing Law
- A.1 Introduction
- A.2 Selected Provisions of the Real Estate Settlement Procedures Act, 12 U.S.C. §§ 2601–2617
- A.3 Regulation X
- A.4 Selected Servicing Provisions of the Truth in Lending Act
- A.5 Regulation Z
- A.6 Selected Provisions of the Servicemembers Civil Relief Act
Appendix B Selected Statutes and Regulations Pertaining to Mortgages Held or Insured by the Federal Government
- B.2 Loans Insured by the Department of Housing and Urban Development (HUD)
- B.3 Loans Guaranteed by the Department of Veterans Affairs
- B.4 Loans Held by the Rural Housing Service (formerly the Farmers Home Administration)
- B.5 Loans Guaranteed by the Rural Housing Service, Selected Regulations
Appendix C Agency Guidance, Consent Orders, Program Guidelines, and Policy Statements
- C.1 Introduction
- C.2 Federal Financial Agencies’ Statement on Loss Mitigation
- C.3 FDIC Loan Modification Program
- C.4 Making Home Affordable Modification Program
- C.5 Interagency Review of Foreclosure Policies
- C.6 National Mortgage Settlement
- C.7 Government-Sponsored Entities (GSEs) Servicing Guidelines
- C.8 CFPB Guidance on Servicing Transfers
Repossessions
Appendix C Federal Statutes and Regulations Relevant to Repossession
- C.1 Selected Provisions of the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692–1692p
- C.2 Federal Rebate Statute, 15 U.S.C. § 1615
- C.3 Selected Provisions of the Servicemembers Civil Relief Act, 50 U.S.C. §§ 3901–4043
- C.4 Federal Trade Commission Credit Practices Rule, 16 C.F.R. Part 444
- C.5 Regulations for Federally-Related Mortgages, 12 C.F.R. Part 190
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Student Loan Law
Appendix A Federal Student Loan Statutes
- Introduction
- A.1 Direct Loans
- A.2 FFEL
- A.3 Perkins Loans
- A.4 General Provisions
- A.5 Selected Debt Collection Statutes
- A.6 Private Loans
Appendix B Federal Regulations
Truth in Lending
Appendix A The Truth in Lending Act
- A.1 TILA Cross References to Title 15 of the United States Code
- A.2 The Truth in Lending Act
- A.3 Adjustable Rate Mortgages Caps
Appendix B Regulation Z
Appendix C Official Interpretations of Regulation Z
Appendix H Consumer Leasing Act
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