The Fair Credit Reporting Act (FCRA) (15 USC 1681) became effective on April 25, 1971. The FCRA is designed to regulate the consumer reporting industry; to place disclosure obligations on users of c..

The TILA was first amended in 1970 to prohibit unsolicited credit cards. Additional major amendments to the TILA and Regulation Z were made by the Fair Credit Billing Act of 1974, the Consumer Leasi..

This booklet describes what the Office of the Comptroller of Currency (OCC) expects in an effective compliance management system, and provides examination objectives and procedures for review of a b..

The Real Estate Settlement Procedures Act of 1974 (RESPA) (12 USC 2601- 17) became effective on June 20, 1975. The act requires lenders, mortgage brokers, or servicers of home loans to provide borro..

The National Flood Insurance Program (NFIP), the insurance fund that insures borrowers against the risk of loss from flooding, is administered under three statutes: the National Flood Insurance Act ..