Statements (51)
| Predicate | Object |
|---|---|
| gptkbp:instanceOf |
gptkb:United_States_federal_law
|
| gptkbp:amendedBy |
gptkb:Dodd-Frank_Act
|
| gptkbp:appliesTo |
credit cards
consumer credit mortgage loans closed-end credit open-end credit home equity lines of credit |
| gptkbp:codifiedIn |
gptkb:12_CFR_Part_1026
|
| gptkbp:dateEnacted |
gptkb:Truth_in_Lending_Act
|
| gptkbp:enforcedBy |
gptkb:Consumer_Financial_Protection_Bureau
gptkb:Federal_Reserve_Board |
| gptkbp:excludes |
agricultural credit
commercial credit business credit |
| https://www.w3.org/2000/01/rdf-schema#label |
Regulation Z
|
| gptkbp:penalty |
civil liability
regulatory enforcement |
| gptkbp:prohibits |
certain lending practices
dual compensation for loan originators mandatory arbitration clauses in certain loans negative amortization features in certain loans prepayment penalties in certain loans steering consumers to higher-cost loans unfair billing practices |
| gptkbp:protectedBy |
consumers
|
| gptkbp:purpose |
promote informed use of consumer credit
|
| gptkbp:relatedTo |
gptkb:Dodd-Frank_Wall_Street_Reform_and_Consumer_Protection_Act
gptkb:Consumer_Credit_Protection_Act gptkb:Truth_in_Lending_Act |
| gptkbp:requires |
gptkb:Closing_Disclosure
gptkb:Loan_Estimate_disclosure disclosure of credit terms right of rescission for certain loans appraisal disclosure for higher-priced mortgage loans escrow accounts for certain higher-priced mortgage loans ability-to-repay determination annual percentage rate disclosure disclosure of late payment fees disclosure of minimum payment disclosure of payment schedule disclosure of prepayment penalties disclosure of total interest paid disclosure of variable-rate terms finance charge disclosure periodic statements for mortgage loans servicing transfer disclosure total of payments disclosure |
| gptkbp:startDate |
July 1, 1969
|
| gptkbp:bfsParent |
gptkb:Truth_in_Lending_Act
|
| gptkbp:bfsLayer |
5
|