What laws does the CFPB enforce?
The CFPB enforces a number of consumer financial protection laws and a variety of rules, orders, standards and prohibitions prescribed by the CFPB and certain rules issued by the Federal Trade Commission.
Some of the laws the CFPB enforces include:
- Alternative Mortgage Transaction Parity Act of 1982 (12 U.S.C. 3801 et seq.);
- Consumer Financial Protection Act (Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act) (12 U.S.C. 5481 et seq.)
- Consumer Leasing Act of 1976 (15 U.S.C. 1667 et seq.)
- Electronic Fund Transfer Act (15 U.S.C. 1693 et seq.), except with respect to Section 920 of that Act
- Equal Credit Opportunity Act (15 U.S.C. 1691 et seq.)
- Fair Credit Billing Act (15 U.S.C. 1666 et seq.)
- Fair Credit Reporting Act (15 U.S.C. 1681et seq.), except with respect to Sections 615(e) and 628 of that Act
- Fair Debt Collection Practices Act (15 U.S.C. 1692 et seq.)
- Specified Rules under the Federal Trade Commission Act
- Federal Deposit Insurance Act, Section 43 (12 U.S.C. 1831t(b)–(f))
- Gramm-Leach-Bliley Act of 2009, Sections 502 through 509 [Privacy of Consumer Financial Information] (15 U.S.C. 6802–6809) except for Section 505 as it applies to Section 501(b)
- Home Mortgage Disclosure Act of 1975 (12 U.S.C. 2801 et seq.)
- Homeowners Protection Act of 1998 (12 U.S.C. 4901 et seq.)
- Home Ownership and Equity Protection Act of 1994 (15 U.S.C. 1601 note)
- Interstate Land Sales Full Disclosure Act (15 U.S.C. 1701)
- Military Lending Act (10 U.S.C. 1987)
- Omnibus Appropriations Act of 2009, Section 626 (12 U.S.C. 5538)
- Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2601 et seq.)
- S.A.F.E. Mortgage Licensing Act of 2008 (12 U.S.C. 5101 et seq.)
- Truth in Lending Act (15 U.S.C. 1601 et seq.)
- Truth in Savings Act (12 U.S.C. 4301 et seq.)