Below is a list of NCLC's free content on statutes & regulations, organized by title in NCLC's Consumer Law Practice Series. For more content on these subjects, subscribe to the treatise.
Fair Debt Collection Fair Credit Reporting Consumer Bankruptcy Law and Practice Student Loan Law Home Foreclosures Mortgage Servicing and Loan Modifications Collections Actions Truth in Lending Consumer Credit Regulation |
Repossessions Consumer Class Actions Consumer Banking & Payments Law Consumer Arbitration Agreements Automobile Fraud Mortgage Lending Credit Discrimination Consumer Warranty Law Access to Utility Services |
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
Appendix F The FDCPA Case Connector, Practice Tools, Pleadings, Primary Sources
- F.1 The FDCPA Case Connector
- F.2 Locating and Using Practice Tools, Pleadings, Primary Sources
- F.3 Practice Tools Found on This Treatise’s Digital Version
- F.4 Sample Pleadings Found on This Treatise’s Digital Version
- F.5 Primary Source Documents Found on This Treatise’s Digital Version
Subscribe to Fair Debt Collection.
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
- Introduction
- G.1 The Gramm-Leach-Bliley Act
- G.2 CFPB and FTC Privacy of Consumer Financial Information Rules
- G.3 Banking Agency Regulations on Data Safeguards
Appendix M Consumer Guides to Credit Reporting and Credit Scores (Appropriate for General Distribution)
- Introduction
- What You Should Know About Your Credit Report
- Understanding Credit Scores
- Disputing Errors in a Credit Report
Subscribe to Fair Credit Reporting.
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
- C.1 Bankruptcy Policies
- C.2 Regulations on Trustees, Credit Counseling Agencies, and Financial Management Course Providers, 28 C.F.R. Part 58
- C.3 Miscellaneous Fees
- C.4 Electronic Public Access Fee Schedule
- C.5 Debtor Audits
Appendix K Bankruptcy Client Handouts
Subscribe to Consumer Bankruptcy Law and Practice.
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
- Introduction
- B.1 Direct Loan Regulations
- B.2 FFEL Regulations
- B.3 Perkins Loan Regulations
- B.4 Other Federal Financial Assistance Regulations
- B.5 Selected Debt Collection Procedures
- B.6 Selected Private Student Loan Regulations
Appendix D Student Loan Forms
Appendix E Sample Pleadings, Letters, and Discovery Requests
Appendix H NCLC’s Student Loan Borrower Assistance Website
Subscribe to Student Loan Law.
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
Subscribe to Home Foreclosures.
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
Appendix F Sample Pleadings
Subscribe to Mortgage Servicing and Loan Modifications.
Collection Actions
Appendix A Selected Provisions of the Servicemembers Civil Relief Act
Appendix B Selected Provisions of the Patient Protection and Affordable Care Act Applicable to Medical Debt
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
Subscribe to Collection Actions.
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
Subscribe to Truth in Lending.
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
Subscribe to Consumer Credit Regulation.
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
Subscribe to Repossessions.
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
- Introduction
- E.1 The Federal RICO Statute
- E.2 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
Subscribe to Federal Deception Law.
Consumer Class Actions
Appendix A Federal Rule of Civil Procedure 23 and Advisory Committee Notes
Appendix B Federal Class Action Legislation
Appendix D NACA Class Action Guidelines—299 F.R.D. 160
Subscribe to Consumer Class Actions.
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 Payments to Telemarketers
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
Subscribe to Consumer Banking and Payments Law.
Consumer Arbitration Agreements
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 Department of Education Former Regulation Regarding Participating Schools
- B.4 Consumer Financial Protection Bureau and Securities and Exchange Commission Authority to Restrict Arbitration
- B.5 Limits on Arbitration Involving Livestock and Poultry Farmers
- B.6 Limits on Arbitration Involving Whistleblowers
- B.7 Limits on Arbitration Involving Car Dealers and Their Franchisors
Appendix C Rules of the American Arbitration Association
- C.1 Consumer Arbitration Rules
- C.2 Consumer Arbitration Fees
- C.3 Consumer Due Process Protocol
- C.4 Consumer Debt Collection Arbitrations
Appendix D JAMS Rules
- D.1 Consumer Arbitration Minimum Standards
- D.2 Comprehensive Arbitration Rules
- D.3 Arbitration Schedule of Fees and Costs
Subscribe to Consumer Arbitration Agreements.
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
- B.1 Regulations Under the Motor Vehicle Information and Cost Savings Act (Odometer Disclosures)
- B.2 Vehicle Identification Number (VIN) Requirements, 49 C.F.R. §§ 565.1–565.26
- B.3 National Motor Vehicle Title Information System, 28 C.F.R. §§ 25.51–25.57
Appendix G Sample Pleadings Available Online
- G.1 Sample Complaints
- G.2 Sample Discovery
- G.3 Sample Jury Trial Documents
- G.4 Sample Motions and Briefs
- G.5 Sample Class Action Pleadings for Odometer Rollback Cases
- G.6 Sample Attorney Fee Documents
Subscribe to Automobile Fraud.
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 N Failed Bank Receivership Statutes
- N.1 The Administrative Claims Process
- N.2 Requirements for Enforceability of Agreements Against Failed Banks
Subscribe to Mortgage Lending.
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
- E.1 Home Mortgage Disclosure Act—12 U.S.C. §§ 2801–2810
- E.2 Regulation C
- E.3 Supplement I to Part 1003—Official Interpretations
Appendix I Consumer’s Guide to Credit Discrimination Laws (Appropriate for Distribution to Clients)
Subscribe to Credit Discrimination.
Consumer Warranty Law
Appendix A Magnuson-Moss Warranty Act
Appendix B Magnuson-Moss Warranty Act Rules and Interpretations
Appendix C National Manufactured Housing Construction and Safety Standards Act
Appendix D FTC Used Motor Vehicle Trade Regulation Rule
Subscribe to Consumer Warranty Law.
Access to Utility Service
Appendix B Telephone and Telecommunications Materials
- B.1 Universal Service Sections in the Telecommunications Act of 1996
- B.2 Federal Regulations for Universal Services Support for Low-Income Consumers
- B.3 FCC Slamming Regulations—47 C.F.R. §§ 64.1100–64.1195
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 2022 State LIHEAP Directors
- C.4 LIHEAP Profile
Appendix D The Department of Energy’s Weatherization Assistance Program
- D.1 Weatherization Assistance Program Legislation—42 U.S.C. §§ 6861–6873
- D.2 Weatherization Assistance Program Regulations—10 C.F.R. 440
- D.3 2022 Poverty Income Guidelines and Definition of Income
- D.4 State Weatherization Assistance Program Contacts
- D.5 Documents Regarding Use of Weatherization Assistance Program Funding in Multi-Family Buildings
Subscribe to Access to Utility Services.