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Statutes & Regulations

 

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. Use the table below to jump to a list of any given treatise's publicly available content.

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
Appendix B CFPB Regulations and Interpretations
Appendix F The FDCPA Case Connector, Practice Tools, Pleadings, Primary Sources

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Fair Credit Reporting

Appendix A Fair Credit Reporting Act
Appendix B FCRA Regulations, Interpretations, and Guidelines
Appendix F Credit Repair Organizations Act
Appendix G The Gramm-Leach-Bliley Act
Appendix M Consumer Guides to Credit Reporting and Credit Scores (Appropriate for General Distribution)

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Consumer Bankruptcy Law and Practice

Appendix A Bankruptcy Statutes
Appendix B Federal Rules of Bankruptcy Procedure
Appendix C Bankruptcy Policies, Regulations, Fees, and Agency Notices
Appendix K Bankruptcy Client Handouts

     

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    Student Loan Law 

    Appendix A Federal Student Loan Statutes
    Appendix B Federal Regulations
    Appendix D Student Loan Forms
    Appendix E Sample Pleadings, Letters, and Discovery Requests
    Appendix H NCLC’s Student Loan Borrower Assistance Website

     

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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
    Appendix C Reverse Mortgages

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    Mortgage Servicing and Loan Modifications

    Appendix A Federal Mortgage Servicing Law
    Appendix B Selected Statutes and Regulations Pertaining to Mortgages Held or Insured by the Federal Government
    Appendix C Agency Guidance, Consent Orders, Program Guidelines, and Policy Statements
    Appendix F Sample Pleadings

     

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    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
    Appendix D Federal Wage Garnishment Statute and Regulations
    Appendix E Treasury Rule Protecting Electronically Deposited Exempt Federal Benefits
    Appendix F Selected Federal Exemption Provisions
    Appendix G Federal Trade Commission Credit Practices Rule

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    Truth in Lending 

    Appendix A The Truth in Lending Act
    Appendix B Regulation Z
    Appendix C Official Interpretations of Regulation Z
    Appendix H Consumer Leasing Act

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    Consumer Credit Regulation

    Appendix A Federal Credit Regulations
    Appendix F Rate Exportation
    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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    Repossessions 

    Appendix C Federal Statutes and Regulations Relevant to Repossession

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    Federal Deception Law

    Appendix A FTC Trade Regulation Rules
    Appendix B Selected Consumer Financial Protection Act Provisions
    Appendix C Federal Regulation of Telemarketing, Robocalls, and Junk Faxes
    Appendix E Federal RICO Statute
    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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    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

     

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    Consumer Banking and Payments Law

    Appendix B Truth in Savings
    Appendix C Federal Check Regulation: Check 21, Funds Availability, and Check Collections
    Appendix D Payments to Telemarketers
    Appendix E Electronic Fund Transfers
    Appendix H Federal Benefits Payments
    Appendix I Electronic Signatures and Records

       

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      Consumer Arbitration Agreements

      Appendix A The Federal Arbitration Act
      Appendix B Federal Limits on Arbitration
      Appendix C Rules of the American Arbitration Association
      Appendix D JAMS Rules

       

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      Automobile Fraud

      Appendix A Federal Statutes
      Appendix B Federal Regulations
      Appendix G Sample Pleadings Available Online

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      Mortgage Lending

      Appendix C Real Estate Settlement Procedures Act
      Appendix D Truth in Lending Act Substantive Mortgage Regulation
      Appendix E National Bank Regulation
      Appendix F Federal Savings Association Regulation
      Appendix G Federal Credit Union Regulation
      Appendix H Other Substantive Mortgage Restrictions
      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
      Appendix L Federal Reverse Mortgage Provisions
      Appendix N Failed Bank Receivership Statutes

       

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        Credit Discrimination

        Appendix A Federal Credit Discrimination Statutes
        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
        Appendix I Consumer’s Guide to Credit Discrimination Laws (Appropriate for Distribution to Clients)

         

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          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

           

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          Access to Utility Service

          Appendix B Telephone and Telecommunications Materials
          Appendix C The Low Income Home Energy Assistance Program (LIHEAP)
          Appendix D The Department of Energy’s Weatherization Assistance Program

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