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Laws and Regulations
The following is a partial list of laws and regulations that Sheshunoff and Pratt experts monitor. For more on CFPB Recodification and specific regulations, see CFPB Consumer Regulations Recodification.
Federal Laws
| ADA | Americans with Disabilities Act (42 USC 12101, 28 CFR 36, 29 CFR 1630) |
| Bank Bribery Amendments Act | Bank Bribery Amendments Act of 1985 (18 USC 215) |
| Bank Protection Act | Bank Protection Act (12 USC 1882, 12 CFR 216) |
| BSA | Bank Secrecy Act (12 USC 1951, 31 USC 5311, 31 CFR 1010, 31 CFR 1020) |
| CERCLA | Comprehensive Environmental Response, Compensation and Liability Act (42 USC 9601) |
| Check 21 | Check Clearing for the 21st Century Act (PL 108-100) |
| COPPA | Children's Online Privacy Protection Act (COPPA) (15 USC 6501, 16 CFR 312) |
| Consumer Credit Protection Act | Consumer Credit Protection Act (15 USC 1602) |
| Consumer Leasing Act | Consumer Leasing Act (15 USC 1667, CFPB 12 CFR 1013, FRB 12 CFR 213) |
| CRA | Community Reinvestment Act (12 USC 2901, 12 CFR 228, 12 CFR 345) |
| Credit CARD Act | Credit Card Accountability Responsibility and Disclosure Act of 2009 (PL 111-24) |
| Credit Card Technical Corrections Act | Credit Card Technical Corrections Act of 2009 (PL 111-93) |
| Depository Institution Management Interlocks Act | Depository Institution Management Interlocks Act (12 USC 3201, 12 CFR 212) |
| Dodd-Frank Act | Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) |
| ECOA | Equal Credit Opportunity Act (15 USC 1691, CFPB 12 CFR 1002, FRB 12 CFR 202) |
| Expedited Funds Availability Act | Expedited Funds Availability Act (12 USC 4001, 12 CFR 229) |
| Electronic Fund Transfer Act | Electronic Fund Transfer Act (15 USC 1693, CFPB 12 CFR 1005, FRB 12 CFR 205) |
| ERISA | Employee Retirement Income Security Act (29 USC 1301) |
| E-Sign Act | Electronic Signatures in Global and National Commerce Act (15 USC 7001, PL 106-229) |
| FACT Act | Fair and Accurate Credit Transactions Act (15 USC 1681s, 12 CFR 222, 16 CFR 602, PL 108-159) |
| Fair Credit Billing Act | Fair Credit Billing Act (15 USC 1601) |
| FCRA | Fair Credit Reporting Act (FCRA) (15 USC 1681, CFPB 12 CFR 1022, FRB 12 CFR 222) |
| FDCPA | Fair Debt Collection Practices Act (FDCPA) (15 USC 1692, CFPB 12 CFR 1006, FRB 16 CFR 901) |
| FHA | Fair Housing Act (42 USC 3601, 24 CFR 110) |
| FMLA | Family Medical Leave Act (FMLA) (29 USC 2601) |
| FDIA | Federal Deposit Insurance Act (FDIA) (12 USC 1811, 12 CFR 328, 12 CFR 330) |
| Federal Reserve Act | Federal Reserve Act (12 USC 371a, 12 CFR 204, 12 CFR 217, 12 CFR 329) |
| FTCA | Federal Trade Commission Act (15 USC 57a, 12 CFR 227) |
| FDPA | Flood Disaster Protection Act (42 USC 4002, 12 CFR 22, 12 CFR 208.25) |
| GLBA | Gramm-Leach-Bliley Act (GLBA) (PL 106-102) |
| HMDA | Home Mortgage Disclosure Act (12 USC 2801, CFPB 12 CFR 1003, FRB 12 CFR 203) |
| Homeowners Protection Act | (12 USC 4901, PL 106-569) |
| Investment Advisers Act | Investment Advisers Act of 1940 (15 USC 80b-1) |
| Investment Company Act | Investment Company Act of 1940 (15 USC 80a-1, 12 CFR 270) |
| MDIA | Mortgage Disclosure Improvement Act (MDIA) (PL 110-289 SEC. 2501) |
| Mortgage Reform and Anti-Predatory Lending Act | Mortgage Reform and Anti-Predatory Lending Act (PL 111-203 SEC. 1400) |
| National Flood Insurance Act | National Flood Insurance Act (42 USC 4002, 12 CFR 22, 12 CFR 208.25) |
| RESPA | Real Estate Settlement Procedures Act (12 USC 2601, CFPB 12 CFR 1024, HUD 24 CFR 3500) |
| Right to Financial Privacy Act | Right to Financial Privacy Act (12 USC 3401, 12 CFR 219, 29 CFR 19, 31 CFR 14) |
| SAFE Act | Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (PL 110-289 SEC. 1501, CFPB 12 CFR 1007, OCC 12 CFR 34 Sub F, FRB 12 CFR 208 Sub I, FDIC 12 CFR 365 Sub B, OTS 12 CFR 563 Sub D, NCUA 12 CFR 761, FCA 12 CFR 610) |
| SOX | Sarbanes-Oxley Act of 2002 (Corporate Reform) (PL 107-204) |
| Securities Act | Securities Act of 1933 (15 USC 77c (a)) |
| Securities Exchange Act | Securities Exchange Act of 1934 (15 USC 78c) |
| Servicemembers Civil Relief Act | Servicemembers Civil Relief Act (10 USC 987, 50 USC 501, PL 108-189, 32 CFR 232) |
| Telephone Consumer Protection Act | Telephone Consumer Protection Act (47 USC 227, 16 CFR 310, 47 CFR 64.1200) |
| Trust Powers of National Banks | Trust Powers of National Banks (12 USC 92a) |
| TILA | Truth in Lending Act (TILA) (15 USC 1601, CFPB 12 CFR 1026, FRB 12 CFR 226) |
| TISA | Truth in Savings Act (TISA) (12 USC 4301, CFPB 12 CFR 1030, FRB 12 CFR 230) |
| Unlawful Internet Gambling Enforcement Act | Unlawful Internet Gambling Enforcement Act of 2006 (PL 109-347 SEC. 801) |
| USA PATRIOT Act | Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (PL 107-56) |
Federal Regulations
| Regulation A | Extensions of Credit by Federal Reserve Banks (12 CFR 201) |
| Regulation B | Equal Credit Opportunity (CFPB 12 CFR 1002, FRB 12 CFR 202) |
| Regulation C | Home Mortgage Disclosure (CFPB 12 CFR 1003, FRB 12 CFR 203) |
| Regulation D | Alternative Mortgage Transaction Parity (12 CFR 1004) |
| Regulation E | Electronic Fund Transfers (CFPB 12 CFR 1005, FRB 12 CFR 205) |
| Regulation F | Fair Debt Collection Practices Act (CFPB 12 CFR 1006, FRB 16 CFR 901) |
| Regulation G | SAFE Act Federal Registration (CFPB 12 CFR 1007, OCC 12 CFR 34 Sub F, FRB 12 CFR 208 Sub I, FDIC 12 CFR 365 Sub B, OTS 12 CFR 563 Sub D, NCUA 12 CFR 761, FCA 12 CFR 610) |
| Regulation H | SAFE Act State Licensing (CFPB 12 CFR 1008, HUD 24 CFR 3400) |
| Regulation I | Disclosure Requirements for Depository Institutions Lacking Federal Deposit Insurance (CFPB 12 CFR 1009, FTC 16 CFR 320) |
| Regulation J, K, L | Interstate Land Sales Registration Program (CFPB 12 CFR 1010, 1011 & 1012, HUD 24 CFR 1710, 1715, and 1720) |
| Regulation M | Consumer Leasing (CFPB 12 CFR 1013, FRB 12 CFR 213) |
| Regulation N | Mortgage Acts and Practices—Advertising (CFPB 12 CFR 1014, FTC 16 CFR 321) |
| Regulation O | Mortgage Assistance Relief Services (CFPB 12 CFR 1015, FTC 16 CFR 322) |
| Regulation P | Privacy of Consumer Financial Information (CFPB 12 CFR 1016, FRB 12 CFR 216, FDIC 12 CFR 332, FTC 16 CFR 313, NCUA 12 CFR 716 and 741.220, OCC 12 CFR 40, OTS 12 CFR 573, SEC 17 CFR 248, CFTC 17 CFR 160) |
| Regulation Q | Prohibition against Payment of Interest on Demand Deposits (12 CFR 217) |
| Regulation R | Exceptions for Banks from the Definition of Broker in the Securities Exchange Act of 1934 (12 CFR 218) |
| Regulation S | Reimbursement to Financial Institutions for Providing Financial Records; Recordkeeping Requirements for Certain Financial Records (12 CFR 219) |
| Regulation T | Credit by Brokers and Dealers (12 CFT 220) |
| Regulation U | Credit by Banks or Persons other than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stocks (12 CFR 221) |
| Regulation V | Fair Credit Reporting (CFPB 12 CFR 1022, FRB 12 CFR 222) |
| Regulation W | Transactions Between Member Banks and Their Affiliates |
| Regulation X | Real Estate Settlement Protection Act (RESPA) (CFPB 12 CFR 1024, HUD 24 CFR 3500) |
| Regulation Y | Bank Holding Companies and Change in Bank Control (12 CFR 225) |
| Regulation Z | Truth-in-Lending (CFPB 12 CFR 1026, FRB 12 CFR 226) Note section 226.5a and 226.5b have been re-designated as 1026.60 and 1026.40, respectively. |
| Regulation AA | Unfair or Deceptive Acts or Practices (12 CFR 227) |
| Regulation BB | Community Reinvestment (12 CFR 228) |
| Regulation CC | Availability of Funds and Collection of Checks (12 CFR 229) |
| Regulation DD | Truth-in-Savings (CFPB 12 CFR 1030, FRB 12 CFR 230) Note TISA for CUs remains with NCUA. |
| Regulation EE | Netting Eligibility for Financial Institutions (12 CFR 231) |
| Capital Adequacy Guidelines | Capital Adequacy Guidelines (12 CFR 208 and 225) |
| Miscellaneous Interpretations | Guidelines for Personnel Management in Agencies (12 CFR 250) |