Credit Unions Consumer Protection Laws

Listed below are consumer protection laws that apply to federally insured state chartered credit unions.

Disclaimer: Links to these websites are provided to assist you in finding consumer protection information (specifically the Acts and Rules). The Division of Credit Unions does not endorse any of the products or programs found in these websites. The Division of Credit Unions has no responsibility for the content or accuracy of these web sites. Add

See Also: Summary of Consumer Protection Laws


National Credit Union Administration

See: NCUA Regulations

  1. BSA: Bank Secrecy Act - 12 C.F.R. Part 748
  2. Truth in Savings Act, 12 C.F.R. Part 707

Consumer Financial Protection Bureau

See: CFPB Regulations

  1. Reg. B: Equal Credit Opportunity – 12 C.F.R. 1002
  2. Reg. C: Home Mortgage Disclosure – 12 C.F.R. 1003
  3. Reg. E: Electronic Funds Transfer – 12 C.F.R. 1005
  4. Fair Debt Collections Practices Act: 15 U.S.C. 1692
  5. Reg. G: SAFE Mortgage Licensing Act – 12 C.F.R. 1007
  6. Reg. P – Privacy of Consumer Financial Information – 12 C.F.R 1016
  7. Reg. V: Fair Credit Reporting – 12 C.F.R. 1022
  8. Reg. X: Real Estate Settlement Procedures Act – 12 C.F.R. 1024
  9. Reg. Z : Truth in Lending – 12 C.F.R. 1026
  10. HOPA: Homeowner’s Protection Act – 12 U.S.C. 49

CFPB Compliance Bulletin 2016-03


Department of Defense (DoD)

See: Department of Defense Regulation (PDF)*

  1. SMCR: Service Members’ Civil Relief – 32 C.F.R. Part 232

Federal Reserve

See: Federal Reserve Regulations

  1. Reg. D: Reserves on Transaction Accounts – 12 C.F.R 204
  2. Reg. CC: Availability of Funds and Collection of Checks – 12 C.F.R 229
  3. Reg. GG: Unlawful Internet Gambling Enforcement Act – 12 C.F.R 233
  4. Reg. II: Debit Card Interchange – 12 C.F.R 235

Federal Trade Commission

See: Federal Trade Commission

  1. COPPA: Children’s Online Privacy Protection – 16 C.F.R. 312
  2. HIDC: Holder in Due Course Rule – 16 C.F.R. 433

Housing and Urban Development (HUD)

  1. Fair Housing
  2. Fair Housing - Complaint Processing

Others

  1. RFPA: Right to Financial Privacy – 31 C.F.R. 14