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.
See Also: Summary of Consumer Protection Laws
National Credit Union Administration
See: NCUA Regulations
Consumer Financial Protection Bureau
See: CFPB Regulations
- Reg. B: Equal Credit Opportunity – 12 C.F.R. 1002
- Reg. C: Home Mortgage Disclosure – 12 C.F.R. 1003
- Reg. E: Electronic Funds Transfer – 12 C.F.R. 1005
- Fair Debt Collections Practices Act: 15 U.S.C. 1692
- Reg. G: SAFE Mortgage Licensing Act – 12 C.F.R. 1007
- Reg. P – Privacy of Consumer Financial Information – 12 C.F.R 1016
- Reg. V: Fair Credit Reporting – 12 C.F.R. 1022
- Reg. X: Real Estate Settlement Procedures Act – 12 C.F.R. 1024
- Reg. Z : Truth in Lending – 12 C.F.R. 1026
- 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)*
Federal Reserve
See: Federal Reserve Regulations
- Reg. D: Reserves on Transaction Accounts – 12 C.F.R 204
- Reg. CC: Availability of Funds and Collection of Checks – 12 C.F.R 229
- Reg. GG: Unlawful Internet Gambling Enforcement Act – 12 C.F.R 233
- Reg. II: Debit Card Interchange – 12 C.F.R 235
Federal Trade Commission
- COPPA: Children’s Online Privacy Protection – 16 C.F.R. 312
- HIDC: Holder in Due Course Rule – 16 C.F.R. 433