United States Title 15 USC Chapter 41 - Federal Credit Disclosure Framework: Truth in Lending Act, Equal Credit Opportunity Act, Fair Debt Collection Practices Act, Electronic Fund Transfer Act, and CFPB Rule-Making

What United States Title 15 USC Chapter 41 - Federal Credit Disclosure Framework: Truth in Lending Act, Equal Credit Opportunity Act, Fair Debt Collection Practices Act, Electronic Fund Transfer Act, and CFPB Rule-Making requires

Title 15 of the United States Code, Chapter 41, is the principal federal credit and debt collection statute consolidating the Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, and the Electronic Fund Transfer Act, and is administered by the Bureau of Consumer Financial Protection (CFPB) and other regulators. Federal Credit Disclosure, 15 U.S.C. 1601 opens Subchapter I (Truth in Lending) declaring that the informed use of credit results from an awareness of the cost thereof by borrowers. Federal Credit Disclosure, 15 U.S.C. 1602 sets out the definitions and rules of construction including that the term Bureau means the Bureau of Consumer Financial Protection. Federal Credit Disclosure, 15 U.S.C. 1604 provides that the Bureau shall prescribe regulations to carry out the purposes of the subchapter, the source of Regulation Z. Federal Credit Disclosure, 15 U.S.C. 1635 governs the right of rescission for certain credit transactions. Federal Credit Disclosure, 15 U.S.C. 1640 sets out civil liability for violations of the Truth in Lending Act. Federal Credit Disclosure, 15 U.S.C. 1666 governs correction of billing errors. Subchapter II addresses restrictions on garnishment. Subchapter II-A addresses credit repair organizations. Subchapter III contains the Fair Credit Reporting Act provisions on credit reporting agencies. Subchapter IV contains the Equal Credit Opportunity Act including Federal Credit Disclosure, 15 U.S.C. 1691 setting the scope of the prohibition on discrimination in any aspect of a credit transaction on a prohibited basis. Subchapter V contains the Fair Debt Collection Practices Act opening with Federal Credit Disclosure, 15 U.S.C. 1692 Congressional findings and declaration of purpose. Subchapter VI contains the Electronic Fund Transfer Act. The Chapter is the controlling federal instrument for federal credit and debt collection law in the United States.

Pillar: Banking & Global Finance · Authority: United States Government - Office of the Law Revision Counsel · Version: 1.0.0 · Last updated: 2026-05-28

Primary source: https://www.govinfo.gov/content/pkg/USCODE-2023-title15/html/USCODE-2023-title15-chap41.htm

SHA-256 integrity: 135f881b224bae5a16e56f0cfb2c5ea3e02b4e3bd6c84baddd7dac5a13a37378

Primary Citations — 8 traced to source

• Federal Credit Disclosure, 15 U.S.C. 1601 - Congressional findings declaring informed use of credit through cost awareness.
• Federal Credit Disclosure, 15 U.S.C. 1602 - definitions and rules of construction including the Bureau.

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