Federal Fair Lending and Credit Practices Manual

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Financial institutions must comply with a variety of fair lending, collection, and reporting requirements beyond the Truth-in-Lending Act. These other laws and regulations were established to protect consumers from discrimination and from credit practices that have been deemed unfair. The Consumer Financial Protection Bureau is now taking a leading role in fair lending, in addition to the measures taken by each regulator.

Federal Fair Lending and Credit Practices Manual provides easy reference to federal laws regulating fair lending and credit practices for practitioners representing lending institutions and other entities that extend credit to consumers. It gives you timely information and authoritative guidance you need to make sure your institution stays in full compliance — safe from costly penalties. This two-volume manual covers the major federal anti-discrimination and fair credit laws, as well as the impact of the Consumer Financial Protection Bureau on fair lending and credit practices:

•  Home Mortgage Disclosure Act
•  Community Reinvestment Act
•  Fair Housing Act
•  Equal Credit Opportunity Act
•  Fair Credit Reporting Act
•  Fair Debt Collection Practices Act
•  Unfair, Deceptive, or Abusive Acts or Practices
•  Consumer Financial Protection Bureau and Fair Lending

This easy-to-use reference places all relevant material compiled in one place, so the answers you need are right at your fingertips:

•  Detailed explanations of how to comply with requirements under each statute covered
•  Full text of the pertinent laws and implementing regulations
•  All Official Staff Commentary issued by the regulatory agency administering the law
•  Case digests and studies
•  Practice-tested sample forms you can use as models for your specific situation

Authors / Contributors

Table of Contents

PART A — Home Mortgage Disclosure Act

Chapter 1: Home Mortgage Disclosure Act

PART B — Community Reinvestment Act

Chapter 2: Community Reinvestment

PART C — Fair Housing Act

Chapter 3: Fair Housing Act

PART D — Equal Credit Opportunity Act

Chapter 4: Purpose and Scope of the ECOA

Chapter 5: Rules Governing the Taking of Credit Applications

Chapter 6: Rules Concerning Evaluation of Creditworthiness

Chapter 7: Notification by Creditors to Applicants and Debtors

Chapter 8: Prohibition Against Discriminatory Credit and Reporting Practices

Chapter 9: Administrative Enforcement and ECOA Civil Penalties

PART E — Fair Credit Reporting Act

Chapter 10: Purpose, Scope, and Administration

Chapter 11: Obligations of Consumer Reporting Agencies and Information Furnishers

Chapter 12: Obligations of Users of Consumer Reports

Chapter 13: Enforcement and Compliance

PART F — Fair Debt Collection Practices Act

Chapter 14: Fair Debt Collection Practices Act

PART G — Unfair or Deceptive Acts or Practices

Chapter 15: Unfair or Deceptive Acts or Practices

PART H — Consumer Financial Protection Bureau and Fair Lending

Chapter 16: Consumer Financial Protection Bureau and Fair Lending
Table of Cases
Index