Consumer credit as a novel marker for economic burden and health after cancer in a diverse population of breast cancer survivors in the USA.

PubMed

Dean, Lorraine T; Schmitz, Kathryn H; Frick, Kevin D; Nicholas, Lauren H; Zhang, Yuehan; Subramanian, S V; Visvanathan, Kala

2018-06-01

Consumer credit may reflect financial hardship that patients face due to cancer treatment, which in turn may impact ability to manage health after cancer; however, credit's relationship to economic burden and health after cancer has not been evaluated. From May to September 2015, 123 women with a history of breast cancer residing in Pennsylvania or New Jersey completed a cross-sectional survey of demographics, socioeconomic position, comorbidities, SF-12 self-rated health, economic burden since cancer diagnosis, psychosocial stress, and self-reported (poor to excellent) credit quality. Ordinal logistic regression evaluated credit's contribution to economic burden and self-rated health. Mean respondent age was 64 years. Mean year from diagnosis was 11.5. Forty percent of respondents were Black or Other and 60% were White. Twenty-four percent self-reported poor credit, and 76% reported good to excellent credit quality. In adjusted models, changing income, using savings, borrowing money, and being unable to purchase a health need since cancer were associated with poorer credit. Better credit was associated with 7.72 ([1.22, 14.20], p = 0.02) higher physical health t-score, and a - 2.00 ([- 3.92, - 0.09], p = 0.04) point change in psychosocial stress. This exploratory analysis establishes the premise for consumer credit as a marker of economic burden and health for breast cancer survivors. Future work should validate these findings in larger samples and for other health conditions. Stabilizing and monitoring consumer credit may be a potential intervention point for mitigating economic burden after breast cancer.

75 FR 77048 - Fair Credit Reporting Affiliate Marketing Regulations

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-10

... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Fair Credit Reporting Affiliate Marketing... Proposal: Fair Credit Reporting Affiliate Marketing Regulations. OMB Number: 1550-0112. Form Number: N/A... received from an affiliate to make a solicitation for marketing purposes to the consumer, unless the...

76 FR 41602 - Fair Credit Reporting Risk-Based Pricing Regulations

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-15

... on and disclose the key factors provided with the scores purchased from consumer reporting agencies... making the credit decision, the creditor must disclose that score and certain information relating to the... following disclosures: (1) the credit score \\4\\ used by the person in making the credit decision; (2) the...

75 FR 52655 - Summary of Rights and Notices of Duties Under the Fair Credit Reporting Act

Federal Register 2010, 2011, 2012, 2013, 2014

2010-08-27

... reporting agencies, and a notice of responsibilities for persons that obtain consumer reports from consumer... include a summary of consumer rights with every consumer report they provide to consumers.\\1\\ The... who obtain consumer reports from them (User Notice).\\2\\ \\1\\ 15 U.S.C. 1681g(c). Under section 609(a...

12 CFR 573.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 573.16 Protection of Fair Credit... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 573.16... Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), and no inference shall be drawn on the basis of the...

12 CFR 40.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 40.16 Protection of Fair Credit... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 40.16... Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), and no inference shall be drawn on the basis of the...

16 CFR 682.2 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT DISPOSAL OF CONSUMER REPORT... consumer fraud and related harms, including identity theft, created by improper disposal of consumer... jurisdiction, that, for a business purpose, maintains or otherwise possesses consumer information. ...

12 CFR Appendix J to Part 717 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2010 CFR

2010-01-01

... consumer report. 2. A consumer reporting agency provides a notice of credit freeze in response to a request for a consumer report. 3. A consumer reporting agency provides a notice of address discrepancy, as defined in § 717.82(b) of this part. 4. A consumer report indicates a pattern of activity that is...

12 CFR 232.2 - Rule of construction for obtaining and using unsolicited medical information.

Code of Federal Regulations, 2010 CFR

2010-01-01

... connection with a consumer's application for an extension of credit, the creditor requests a consumer report from a consumer reporting agency and receives medical information in the consumer report furnished by... it receives medical information pertaining to a consumer in connection with any determination of the...

12 CFR 222.83 - Disposal of consumer information.

Code of Federal Regulations, 2011 CFR

2011-01-01

... RESERVE SYSTEM FAIR CREDIT REPORTING (REGULATION V) Duties of Users of Consumer Reports Regarding Identity Theft § 222.83 Disposal of consumer information. (a) Definitions as used in this section. (1) You means...

7 CFR 3.12 - Reporting of consumer debts.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 1 2010-01-01 2010-01-01 false Reporting of consumer debts. 3.12 Section 3.12... and Compromise of Claims § 3.12 Reporting of consumer debts. (a) Notice. In demand letters to debtors... the delinquent consumer debt to credit reporting agencies after 60 days; (2) The specific information...

7 CFR 3.12 - Reporting of consumer debts.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 1 2011-01-01 2011-01-01 false Reporting of consumer debts. 3.12 Section 3.12... and Compromise of Claims § 3.12 Reporting of consumer debts. (a) Notice. In demand letters to debtors... the delinquent consumer debt to credit reporting agencies after 60 days; (2) The specific information...

16 CFR 313.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 16 Commercial Practices 1 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 313... CONGRESS PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 313.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or...

12 CFR 332.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 332.16... GENERAL POLICY PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 332.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or...

12 CFR 216.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 216.16... PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Relation to Other Laws; Effective Date § 216.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or...

24 CFR 201.22 - Credit requirements for borrowers.

Code of Federal Regulations, 2010 CFR

2010-04-01

... consumer credit report stating the credit accounts and payment history of the borrower and of any co-maker... months or more. (c) Evidence of delinquency, default or misrepresentation. Except with the prior approval...

78 FR 43239 - Agency Information Collection Activities: Submission to OMB for Reinstatement, With Change, of a...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-07-19

.... As required by section 315 of the FACT Act, section 1022.82 requires users of consumer reports to... discrepancy from a credit reporting agency (CRA). Section 1022.82 requires each user of consumer reports to... belief that a consumer report relates to the consumer about whom it requested the report when it receives...

12 CFR Appendix C to Part 1002 - Sample Notification Forms

Code of Federal Regulations, 2013 CFR

2013-01-01

...—Sample Notice of Action Taken and Statement of Reasons Statement of Credit Denial, Termination or Change... report. Your credit score can change, depending on how the information in your consumer report changes... discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital...

12 CFR Appendix C to Part 1002 - Sample Notification Forms

Code of Federal Regulations, 2012 CFR

2012-01-01

...—Sample Notice of Action Taken and Statement of Reasons Statement of Credit Denial, Termination or Change... report. Your credit score can change, depending on how the information in your consumer report changes... discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital...

12 CFR 717.80-717.81 - [Reserved

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false [Reserved] 717.80-717.81 Section 717.80-717.81 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS FAIR CREDIT REPORTING Duties of Users of Consumer Reports Regarding Address Discrepancies and Records Disposal §§ 717.80...

12 CFR 222.41 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... accuracy of any information contained in a consumer report and pertaining to an account or other... report. An entity is not a furnisher when it: (1) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604(a) and (f) of the Fair Credit...

12 CFR 618.8320 - Data regarding borrowers and loan applicants.

Code of Federal Regulations, 2010 CFR

2010-01-01

... in a consumer report from a consumer reporting agency shall be advised as required in section 615(a...; and reports of inspectors, fieldmen, investigators, and appraisers. (b) The requirements of paragraph... organization for its confidential use in contemplation of the extension of credit or to a consumer reporting...

Fair credit reporting medical information regulations. Final rules.

PubMed

2005-11-22

The OCC, Board, FDIC, OTS, and NCUA (Agencies) are publishing final rules to implement section 411 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act). The final rules create exceptions to the statute's general prohibition on creditors obtaining or using medical information pertaining to a consumer in connection with any determination of the consumer's eligibility, or continued eligibility, for credit for all creditors. The exceptions permit creditors to obtain or use medical information in connection with credit eligibility determinations where necessary and appropriate for legitimate purposes, consistent with the Congressional intent to restrict the use of medical information for inappropriate purposes. The final rules also create limited exceptions to permit affiliates to share medical information with each other without becoming consumer reporting agencies. The final rules are substantially similar to the rules adopted by the Agencies on an interim final basis in June 2005.

77 FR 22200 - Rescission of Rules

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-13

... ``Identity Theft Rules,'' 16 CFR part 681, and its rules governing ``Disposal of Consumer Report Information...; Duties of Creditors Regarding Risk-Based Pricing, 16 CFR part 640; Duties of Users of Consumer Reports... collection, assembly, and use of consumer report information and provides the framework for the credit...

75 FR 37436 - Agency Information Collection Activities; Proposed Collection; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-29

... uses a consumer report in order to make an unsolicited firm offer of credit or insurance to the...) information contained in the consumer's consumer report was used in connection with the transaction; (B) the... Protction, Bureau of Consumer Protection, Federal Trade Commission, 600 Pennsylvania Avenue, N.W...

12 CFR 222.83 - Disposal of consumer information.

Code of Federal Regulations, 2010 CFR

2010-01-01

... RESERVE SYSTEM FAIR CREDIT REPORTING (REGULATION V) Duties of Users of Consumer Reports Regarding Identity Theft § 222.83 Disposal of consumer information. (a) Definitions as used in this section. (1) You means... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Disposal of consumer information. 222.83...

12 CFR 334.83 - Disposal of consumer information.

Code of Federal Regulations, 2010 CFR

2010-01-01

... GENERAL POLICY FAIR CREDIT REPORTING Duties of Users of Consumer Reports Regarding Address Discrepancies and Records Disposal § 334.83 Disposal of consumer information. (a) In general. You must properly... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Disposal of consumer information. 334.83...

12 CFR 334.83 - Disposal of consumer information.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 4 2011-01-01 2011-01-01 false Disposal of consumer information. 334.83... GENERAL POLICY FAIR CREDIT REPORTING Duties of Users of Consumer Reports Regarding Address Discrepancies and Records Disposal § 334.83 Disposal of consumer information. (a) In general. You must properly...

12 CFR 716.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 716.16 Protection of... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 716.16... operation of the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), and no inference shall be drawn on the...

16 CFR 698.1 - Authority and purpose.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 16 Commercial Practices 1 2010-01-01 2010-01-01 false Authority and purpose. 698.1 Section 698.1 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT MODEL FORMS AND DISCLOSURES § 698... provisions of the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), as amended by the Consumer Credit...

12 CFR 232.4 - Specific exceptions for obtaining and using medical information.

Code of Federal Regulations, 2011 CFR

2011-01-01

... consumer applies for $10,000 of credit for the purpose of financing cosmetic surgery, the creditor may... consumer applies for $10,000 of credit for the purpose of financing vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery...

12 CFR 232.4 - Specific exceptions for obtaining and using medical information.

Code of Federal Regulations, 2013 CFR

2013-01-01

... consumer applies for $10,000 of credit for the purpose of financing cosmetic surgery, the creditor may... consumer applies for $10,000 of credit for the purpose of financing vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery...

12 CFR 232.4 - Specific exceptions for obtaining and using medical information.

Code of Federal Regulations, 2012 CFR

2012-01-01

... consumer applies for $10,000 of credit for the purpose of financing cosmetic surgery, the creditor may... consumer applies for $10,000 of credit for the purpose of financing vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery...

12 CFR 232.4 - Specific exceptions for obtaining and using medical information.

Code of Federal Regulations, 2010 CFR

2010-01-01

... consumer applies for $10,000 of credit for the purpose of financing cosmetic surgery, the creditor may... consumer applies for $10,000 of credit for the purpose of financing vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery...

12 CFR 232.4 - Specific exceptions for obtaining and using medical information.

Code of Federal Regulations, 2014 CFR

2014-01-01

... consumer applies for $10,000 of credit for the purpose of financing cosmetic surgery, the creditor may... consumer applies for $10,000 of credit for the purpose of financing vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery...

12 CFR 716.15 - Other exceptions to notice and opt out requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Reporting Act (15 U.S.C. 1681 et seq.), or (ii) From a consumer report reported by a consumer reporting... AFFECTING CREDIT UNIONS PRIVACY OF CONSUMER FINANCIAL INFORMATION Exceptions § 716.15 Other exceptions to... notice to consumers in § 716.4(a)(2), the opt out in §§ 716.7 and 716.10 and service providers and joint...

17 CFR 160.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-04-01

... PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 160.16 Protection of... 17 Commodity and Securities Exchanges 1 2010-04-01 2010-04-01 false Protection of Fair Credit... operation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and no inference shall be drawn on the...

12 CFR 40.15 - Other exceptions to notice and opt out requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... accordance with the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.); or (ii) From a consumer report reported by a consumer reporting agency; (6) In connection with a proposed or actual sale, merger, transfer... PRIVACY OF CONSUMER FINANCIAL INFORMATION Exceptions § 40.15 Other exceptions to notice and opt out...

76 FR 13896 - Equal Credit Opportunity

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-15

... based in whole or in part on information in a consumer report. Certain model notices in Regulation B... part on information in a consumer report. The definition of adverse action in section 603(k) of the... report used in taking the adverse action. It also requires a person to disclose that a consumer has a...

12 CFR 561.12 - Consumer credit.

Code of Federal Regulations, 2010 CFR

2010-01-01

...; loans in the nature of overdraft protection; and credit extended in connection with credit cards. ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Consumer credit. 561.12 Section 561.12 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.12 Consumer credit. The term consumer credit means credit extended...

16 CFR 602.1 - Effective dates.

Code of Federal Regulations, 2010 CFR

2010-01-01

... security number in a consumer report; (iv) Section 151(a)(1), concerning the summary of rights of identity..., concerning the prevention of repollution of consumer reports; (viii) Section 155, concerning notice by debt... consumers; (x) Section 212(a)-(d), concerning the disclosure of credit scores; (xi) Section 213(c...

Consumers with an intellectual disability and carers: perceptions of interactions with banks.

PubMed

Hayes, Susan C; Martin, Fiona B

2007-03-01

As more people with an intellectual disability reside independently in the community, there is both the need and the opportunity for them to use financial services, including banks and credit unions, and products such as cash machine cards, credit cards and loans. There is a dearth of information about interactions between consumers with intellectual disabilities and their carers, and financial service providers. This study investigated the perceptions of 94 consumers with an intellectual disability and 53 carers regarding interactions with financial service providers. Consumers and carers mentioned a number of problems with banks, and reported a low rate of successful resolution of these difficulties. Carers mentioned more problems than consumers, and more frequently reported intangible problems such as discrimination. The 'digital divide' was evident, with few consumers having access to Internet or telephone banking. People with intellectual disabilities need education programmes about electronic banking, their rights as consumers and their access to problem resolution strategies.

12 CFR 561.12 - Consumer credit.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Consumer credit. 561.12 Section 561.12 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.12 Consumer credit. The term consumer credit means credit extended... real estate and chattel liens secured by mobile homes and leases of personal property to consumers that...

16 CFR 642.3 - Prescreen opt-out notice.

Code of Federal Regulations, 2010 CFR

2010-01-01

... NOTICE § 642.3 Prescreen opt-out notice. Any person who uses a consumer report on any consumer in connection with any credit or insurance transaction that is not initiated by the consumer, and that is... written solicitation made to the consumer about the transaction, provide the consumer with the following...

75 FR 67453 - Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-02

... reasonable policies and procedures that a user of consumer reports must employ when a user receives a notice... policies and procedures for users of consumer reports to enable a user to form a reasonable belief that it knows the identity of the person for whom it has obtained a consumer report, and reconcile the address...

17 CFR 248.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-04-01

... (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-P: Privacy of Consumer Financial Information and Safeguarding Personal Information Relation to Other Laws; Effective Date § 248.16 Protection of Fair Credit... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Protection of Fair Credit...

12 CFR Appendix C to Part 202 - Sample Notification Forms

Code of Federal Regulations, 2013 CFR

2013-01-01

... Taken and Statement of Reasons Statement of Credit Denial, Termination or Change Date: Applicant's Name... report. Your credit score can change, depending on how the information in your consumer report changes..., national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding...

76 FR 79307 - Fair Credit Reporting (Regulation V)

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-21

.... Subpart B--[Reserved] Subpart C--Affiliate Marketing 1022.20 Coverage and definitions. 1022.21 Affiliate marketing opt-out and exceptions. 1022.22 Scope and duration of opt-out. 1022.23 Contents of opt-out notice... Prevention of deceptive marketing of free credit reports. Subpart O--Miscellaneous Duties of Consumer...

12 CFR 1408.14 - Reporting of credit information.

Code of Federal Regulations, 2010 CFR

2010-01-01

... rights and protection afforded to the debtor under 31 U.S.C. 3711(f) have been fulfilled. The Corporation shall notify each consumer reporting agency, to which a claim was disclosed, when the debt has been..., or designee of the Chairman, may disclose to a consumer reporting agency information that an...

12 CFR 1022.136 - Centralized source for requesting annual file disclosures from nationwide consumer reporting...

Code of Federal Regulations, 2014 CFR

2014-01-01

..., dedicated toll-free telephone number; and (iii) Mail directed to a single address; (2) Be designed, funded... Web site or telephone number for ordering free annual credit reports as required by Federal law; and... the file disclosure is delivered to the consumer through the Internet, and the nationwide consumer...

12 CFR 1022.136 - Centralized source for requesting annual file disclosures from nationwide consumer reporting...

Code of Federal Regulations, 2013 CFR

2013-01-01

..., dedicated toll-free telephone number; and (iii) Mail directed to a single address; (2) Be designed, funded... Web site or telephone number for ordering free annual credit reports as required by Federal law; and... the file disclosure is delivered to the consumer through the Internet, and the nationwide consumer...

12 CFR 1022.136 - Centralized source for requesting annual file disclosures from nationwide consumer reporting...

Code of Federal Regulations, 2012 CFR

2012-01-01

..., dedicated toll-free telephone number; and (iii) Mail directed to a single address; (2) Be designed, funded... Web site or telephone number for ordering free annual credit reports as required by Federal law; and... the file disclosure is delivered to the consumer through the Internet, and the nationwide consumer...

Cybersecurity: Authoritative Reports and Resources

DTIC Science & Technology

2013-07-25

Breaches: Is Federal Legislation Needed to Protect Consumers ? July 18, 2013 Energy and Commerce Commerce , Manufacturing and Trade Evaluating Privacy...and Commerce Commerce , Manufacturing and Trade Reporting Data Breaches: Is Federal Legislation Needed to Protect Consumers ? July 18, 2013 Energy... Consumer Credit Cybersecurity: An Overview of Risks to Critical Infrastructure July 26, 2011 Energy and Commerce Oversight and Investigations

12 CFR Appendix C to Part 202 - Sample Notification Forms

Code of Federal Regulations, 2010 CFR

2010-01-01

... creditor obtained information from a consumer reporting agency that played a part in the credit decision... information that has been obtained from an outside source. ___ Our credit decision was based in whole or in...] Telephone number: ___ Our credit decision was based in whole or in part on information obtained from an...

77 FR 20011 - Fair Credit Reporting Act Disclosures

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-03

... Credit Reporting Act (``FCRA'') will increase from $11.00 to $11.50 effective April 3, 2012. The Bureau is required to increase the $8.00 amount referred to in Section 612(f)(1)(A)(i) of the FCRA on January 1 of each year, based proportionally on changes in the Consumer Price Index (``CPI''), with...

12 CFR 608.814 - Reporting of credit information.

Code of Federal Regulations, 2010 CFR

2010-01-01

... all of the rights and protection afforded to the debtor under 31 U.S.C. 3711(f) have been fulfilled. The FCA shall notify each consumer reporting agency, to which a claim was disclosed, when the debt has... information. The Chairman, or designee of the Chairman, may disclose to a consumer reporting agency...

12 CFR 222.20 - Coverage and definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... public. A solicitation does not include marketing communications that are directed at the general public... FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.20 Coverage and definitions. (a... communication of which would be a consumer report if the exclusions from the definition of “consumer report” in...

12 CFR 41.91 - Duties of card issuers regarding changes of address.

Code of Federal Regulations, 2010 CFR

2010-01-01

... FAIR CREDIT REPORTING Identity Theft Red Flags § 41.91 Duties of card issuers regarding changes of address. (a) Scope. This section applies to an issuer of a debit or credit card (card issuer) that is a... means a consumer who has been issued a credit or debit card. (2) Clear and conspicuous means reasonably...

12 CFR 571.91 - Duties of card issuers regarding changes of address.

Code of Federal Regulations, 2010 CFR

2010-01-01

... FAIR CREDIT REPORTING Identity Theft Red Flags § 571.91 Duties of card issuers regarding changes of address. (a) Scope. This section applies to an issuer of a debit or credit card (card issuer) that is a... consumer who has been issued a credit or debit card. (2) Clear and conspicuous means reasonably...

Consumer Finance: College Students and Credit Cards. Report to Congressional Requesters.

ERIC Educational Resources Information Center

D'Agostino, Davi M.

In response to a request from the House of Representatives, employees of the General Accounting Office conducted structured interviews with about 100 officials at 12 universities and colleges around the United States about several issues related to college students and credit cards. They also reviewed three studies of credit card use by college…

32 CFR 232.4 - Terms of consumer credit extended to covered borrowers.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 32 National Defense 2 2012-07-01 2012-07-01 false Terms of consumer credit extended to covered... DEFENSE (CONTINUED) MISCELLANEOUS LIMITATIONS ON TERMS OF CONSUMER CREDIT EXTENDED TO SERVICE MEMBERS AND DEPENDENTS § 232.4 Terms of consumer credit extended to covered borrowers. (a) Neither a creditor who extends...

32 CFR 232.4 - Terms of consumer credit extended to covered borrowers.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 32 National Defense 2 2011-07-01 2011-07-01 false Terms of consumer credit extended to covered... DEFENSE (CONTINUED) MISCELLANEOUS LIMITATIONS ON TERMS OF CONSUMER CREDIT EXTENDED TO SERVICE MEMBERS AND DEPENDENTS § 232.4 Terms of consumer credit extended to covered borrowers. (a) Neither a creditor who extends...

32 CFR 232.4 - Terms of consumer credit extended to covered borrowers.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 32 National Defense 2 2010-07-01 2010-07-01 false Terms of consumer credit extended to covered... DEFENSE (CONTINUED) MISCELLANEOUS LIMITATIONS ON TERMS OF CONSUMER CREDIT EXTENDED TO SERVICE MEMBERS AND DEPENDENTS § 232.4 Terms of consumer credit extended to covered borrowers. (a) Neither a creditor who extends...

12 CFR 334.24 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2013 CFR

2013-01-01

... GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.24 Reasonable opportunity to opt out. (a... affiliate to make a solicitation to the consumer about your products or services, unless the consumer is...

12 CFR 334.24 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2012 CFR

2012-01-01

... GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.24 Reasonable opportunity to opt out. (a... affiliate to make a solicitation to the consumer about your products or services, unless the consumer is...

12 CFR 334.24 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2011 CFR

2011-01-01

... GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.24 Reasonable opportunity to opt out. (a... affiliate to make a solicitation to the consumer about your products or services, unless the consumer is...

12 CFR 334.24 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2014 CFR

2014-01-01

... GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.24 Reasonable opportunity to opt out. (a... affiliate to make a solicitation to the consumer about your products or services, unless the consumer is...

16 CFR Appendix to Part 600 - Commentary on the Fair Credit Reporting Act

Code of Federal Regulations, 2011 CFR

2011-01-01

... Commission welcomes input from interested industry and consumer groups and other public parties on the... required under section 606 by one procuring an investigative report must be made to the “consumer” on whom... information must bear on at least one of the seven characteristics listed in this definition. B. Credit guides...

12 CFR Appendix K to Part 1022 - Summary of Consumer Rights

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Summary of Consumer Rights K Appendix K to Part 1022 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Pt. 1022, App. K Appendix K to Part 1022—Summary of Consumer Rights The prescribed form for this summary is...

12 CFR Appendix K to Part 1022 - Summary of Consumer Rights

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Summary of Consumer Rights K Appendix K to Part 1022 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Pt. 1022, App. K Appendix K to Part 1022—Summary of Consumer Rights The prescribed form for this summary is...

12 CFR Appendix K to Part 1022 - Summary of Consumer Rights

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Summary of Consumer Rights K Appendix K to Part 1022 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Pt. 1022, App. K Appendix K to Part 1022—Summary of Consumer Rights The prescribed form for this summary is...

12 CFR Appendix I to Part 1022 - Summary of Consumer Identity Theft Rights

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Summary of Consumer Identity Theft Rights I Appendix I to Part 1022 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Pt. 1022, App. I Appendix I to Part 1022—Summary of Consumer Identity Theft Rights The...

12 CFR Appendix I to Part 1022 - Summary of Consumer Identity Theft Rights

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Summary of Consumer Identity Theft Rights I Appendix I to Part 1022 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Pt. 1022, App. I Appendix I to Part 1022—Summary of Consumer Identity Theft Rights The...

12 CFR Appendix I to Part 1022 - Summary of Consumer Identity Theft Rights

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Summary of Consumer Identity Theft Rights I Appendix I to Part 1022 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Pt. 1022, App. I Appendix I to Part 1022—Summary of Consumer Identity Theft Rights The...

12 CFR 1022.27 - Renewal of opt-out.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 1022.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After... receive from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given...

16 CFR 611.2 - General prohibition.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Co. assembles and maintains credit account information from persons who furnish that information... sale of a consumer reporting agency; or (2) Maintaining or merging public record and credit account information in a manner that is substantially equivalent to that described in paragraphs (1) and (2) of...

16 CFR 610.2 - Centralized source for requesting annual file disclosures from nationwide consumer reporting...

Code of Federal Regulations, 2011 CFR

2011-01-01

... FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT FREE ANNUAL FILE DISCLOSURES § 610.2 Centralized... request methods, at the consumers' option: (i) A single, dedicated Internet website, (ii) A single, dedicated toll-free telephone number; and (iii) Mail directed to a single address; (2) Be designed, funded...

16 CFR 610.2 - Centralized source for requesting annual file disclosures from nationwide consumer reporting...

Code of Federal Regulations, 2012 CFR

2012-01-01

... FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT FREE ANNUAL FILE DISCLOSURES § 610.2 Centralized... request methods, at the consumers' option: (i) A single, dedicated Internet website, (ii) A single, dedicated toll-free telephone number; and (iii) Mail directed to a single address; (2) Be designed, funded...

16 CFR 682.4 - Relation to other laws.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 16 Commercial Practices 1 2010-01-01 2010-01-01 false Relation to other laws. 682.4 Section 682.4 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT DISPOSAL OF CONSUMER REPORT...: (a) To require a person to maintain or destroy any record pertaining to a consumer that is not...

Consumer Credit Counseling Services: The Need for Reform and Some Proposals for Change.

ERIC Educational Resources Information Center

Gardner, Stephen

2002-01-01

Describes the concerns of consumer advocates regarding consumers with debt problems, the deceptive practices of some credit counseling services, and the accuracy of their advice. Recommends changes in credit counseling services and protections for consumers using them. (JOW)

12 CFR 227.26 - Unfair charging of security deposits and fees for the issuance or availability of credit to...

Code of Federal Regulations, 2010 CFR

2010-01-01

... for the issuance or availability of credit to consumer credit card accounts. 227.26 Section 227.26... UNFAIR OR DECEPTIVE ACTS OR PRACTICES (REGULATION AA) Consumer Credit Card Account Practices Rule § 227... consumer credit card accounts. (a) Limitation for first year. During the first year, a bank must not charge...

16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before November 1...

Code of Federal Regulations, 2010 CFR

2010-01-01

... make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check... open end consumer credit contracts before November 1, 1977 from requirements of § 433.2(a). 433.3... CONSUMERS' CLAIMS AND DEFENSES § 433.3 Exemption of sellers taking or receiving open end consumer credit...

12 CFR 1022.27 - Renewal of opt-out.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 1022.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement—(1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

12 CFR 1022.27 - Renewal of opt-out.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 1022.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement—(1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

12 CFR 227.21 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... DECEPTIVE ACTS OR PRACTICES (REGULATION AA) Consumer Credit Card Account Practices Rule § 227.21 Definitions... product of multiplying each periodic rate for a balance or transaction on a consumer credit card account.... (b) “Consumer” means a natural person to whom credit is extended under a consumer credit card account...

25 CFR 141.45 - Consumer credit applications.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 25 Indians 1 2011-04-01 2011-04-01 false Consumer credit applications. 141.45 Section 141.45 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR FINANCIAL ACTIVITIES BUSINESS PRACTICES ON THE NAVAJO, HOPI AND ZUNI RESERVATIONS Consumer Credit Transactions Other Than Pawn § 141.45 Consumer...

Determinants affecting consumer adoption of contactless credit card: an empirical study.

PubMed

Wang, Yu-Min

2008-12-01

The contactless credit card is one of the most promising technological innovations in the field of electronic payments. It provides consumers with greater control of payments, convenience, and transaction speed. However, contactless credit cards have yet to gain significant rates of adoption in the marketplace. Thus, effort must be made to identify factors affecting consumer adoption of contactless credit cards. Based on the technology acceptance model, innovation diffusion theory, and the relevant literature, seven variables (perceived usefulness, perceived ease of use, compatibility, perceived risk, trust, consumer involvement, availability of infrastructure) are proposed to help predict consumer adoption of contactless credit cards. Data collected from 312 respondents in Taiwan is tested against the proposed prediction model using the logistic regression approach. The results and implications of our study contribute to an expanded understanding of the factors that affect consumer adoption of contactless credit cards.

78 FR 79410 - Fair Credit Reporting Act Disclosures

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-30

...The Bureau of Consumer Financial Protection (Bureau) announces that the ceiling on allowable charges under Section 612(f) of the Fair Credit Reporting Act (FCRA) will remain unchanged at $11.50 for 2014. The Bureau is required to increase the $8.00 amount referred to in Section 612(f)(1)(A)(i) of the FCRA on January 1 of each year, based proportionally on changes in the Consumer Price Index for All Urban Consumers (CPI-U), with fractional changes rounded to the nearest fifty cents. The CPI-U increased 45.25 percent between September 1997, the date the FCRA amendments took effect, and September 2013. This increase in the CPI-U, and the requirement that any increase be rounded to the nearest fifty cents, results in no change in the maximum allowable charge of $11.50.

16 CFR Appendix E to Part 698 - Summary of Consumer Identity Theft Rights

Code of Federal Regulations, 2010 CFR

2010-01-01

... 16 Commercial Practices 1 2010-01-01 2010-01-01 false Summary of Consumer Identity Theft Rights E Appendix E to Part 698 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT MODEL FORMS AND DISCLOSURES Pt. 698, App. E Appendix E to Part 698—Summary of Consumer Identity Theft Rights...

Cybersecurity: Authoritative Reports and Resources

DTIC Science & Technology

2013-04-17

Consumer Credit Cybersecurity: An Overview of Risks to Critical Infrastructure July 26, 2011 Energy and Commerce Oversight and Investigations...require greater protection for sensitive consumer data and timely notification in case of breach June 15, 2011 Energy and Commerce Commerce ...Financial Sector June 21, 2011 Commerce , Science and Transportation Privacy and Data Security: Protecting Consumers in the Modern World June 29, 2011

16 CFR Appendix E to Part 698 - Summary of Consumer Identity Theft Rights

Code of Federal Regulations, 2013 CFR

2013-01-01

... 16 Commercial Practices 1 2013-01-01 2013-01-01 false Summary of Consumer Identity Theft Rights E Appendix E to Part 698 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT MODEL FORMS AND DISCLOSURES Pt. 698, App. E Appendix E to Part 698—Summary of Consumer Identity Theft Rights...

16 CFR Appendix E to Part 698 - Summary of Consumer Identity Theft Rights

Code of Federal Regulations, 2011 CFR

2011-01-01

... 16 Commercial Practices 1 2011-01-01 2011-01-01 false Summary of Consumer Identity Theft Rights E Appendix E to Part 698 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT MODEL FORMS AND DISCLOSURES Pt. 698, App. E Appendix E to Part 698—Summary of Consumer Identity Theft Rights...

16 CFR Appendix E to Part 698 - Summary of Consumer Identity Theft Rights

Code of Federal Regulations, 2014 CFR

2014-01-01

... 16 Commercial Practices 1 2014-01-01 2014-01-01 false Summary of Consumer Identity Theft Rights E Appendix E to Part 698 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT MODEL FORMS AND DISCLOSURES Pt. 698, App. E Appendix E to Part 698—Summary of Consumer Identity Theft Rights...

16 CFR Appendix E to Part 698 - Summary of Consumer Identity Theft Rights

Code of Federal Regulations, 2012 CFR

2012-01-01

... 16 Commercial Practices 1 2012-01-01 2012-01-01 false Summary of Consumer Identity Theft Rights E Appendix E to Part 698 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT MODEL FORMS AND DISCLOSURES Pt. 698, App. E Appendix E to Part 698—Summary of Consumer Identity Theft Rights...

16 CFR Appendix F to Part 698 - General Summary of Consumer Rights

Code of Federal Regulations, 2010 CFR

2010-01-01

... 16 Commercial Practices 1 2010-01-01 2010-01-01 false General Summary of Consumer Rights F Appendix F to Part 698 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT MODEL FORMS AND DISCLOSURES Pt. 698, App. F Appendix F to Part 698—General Summary of Consumer Rights The...

Your Credit Rights: An Instructional Unit on Consumer Credit Protection. Revised.

ERIC Educational Resources Information Center

Jensen, Barbara J.; And Others

This instructional guide adds two new sections to the original guide published in May 1982. The guide was designed to assist educators in teaching the topics of consumer credit and consumer credit protection to secondary and postsecondary students in various economics and business courses, as well as in adult and community education courses. The…

12 CFR 226.53 - Allocation of payments.

Code of Federal Regulations, 2012 CFR

2012-01-01

... TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit... payment for a credit card account under an open-end (not home-secured) consumer credit plan, the card... program. When a balance on a credit card account under an open-end (not home-secured) consumer credit plan...

12 CFR 226.53 - Allocation of payments.

Code of Federal Regulations, 2011 CFR

2011-01-01

... TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit... payment for a credit card account under an open-end (not home-secured) consumer credit plan, the card.... When a balance on a credit card account under an open-end (not home-secured) consumer credit plan is...

12 CFR 226.52 - Limitations on fees.

Code of Federal Regulations, 2011 CFR

2011-01-01

... TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit... charges any fees to a credit card account under an open-end (not home-secured) consumer credit plan during... of a credit card account under an open-end (not home-secured) consumer credit plan unless the dollar...

Federal Trade Commission

MedlinePlus

... a Consumer Complaint Report Identity Theft Get Your Free Credit Report Register for Do Not Call Get Scam Alerts ... File a claim if you were scammed via money transfer Ed tech, Privacy Workshop FTC, Department of ...

12 CFR 222.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2010 CFR

2010-01-01

... SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.22 Scope and duration of opt-out.... (2) Continuing relationship—(i) In general. If the consumer establishes a continuing relationship... connection with— (A) A single continuing relationship or multiple continuing relationships that the consumer...

12 CFR 226.51 - Ability to Pay.

Code of Federal Regulations, 2014 CFR

2014-01-01

...) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit... pay. A card issuer must not open a credit card account for a consumer under an open-end (not home-secured) consumer credit plan, or increase any credit limit applicable to such account, unless the card...

12 CFR 226.51 - Ability to Pay.

Code of Federal Regulations, 2012 CFR

2012-01-01

... LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to... issuer must not open a credit card account for a consumer under an open-end (not home-secured) consumer credit plan, or increase any credit limit applicable to such account, unless the card issuer considers...

12 CFR 226.59 - Reevaluation of rate increases.

Code of Federal Regulations, 2014 CFR

2014-01-01

... SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and... to a credit card account under an open-end (not home-secured) consumer credit plan, based on the... new credit card accounts under an open-end (not home-secured) consumer credit plan. (2) Rate increases...

12 CFR 226.51 - Ability to Pay.

Code of Federal Regulations, 2013 CFR

2013-01-01

...) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit... pay. A card issuer must not open a credit card account for a consumer under an open-end (not home-secured) consumer credit plan, or increase any credit limit applicable to such account, unless the card...

12 CFR 226.51 - Ability to Pay.

Code of Federal Regulations, 2011 CFR

2011-01-01

... LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to... issuer must not open a credit card account for a consumer under an open-end (not home-secured) consumer credit plan, or increase any credit limit applicable to such account, unless the card issuer considers...

12 CFR 226.59 - Reevaluation of rate increases.

Code of Federal Regulations, 2013 CFR

2013-01-01

... SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and... to a credit card account under an open-end (not home-secured) consumer credit plan, based on the... new credit card accounts under an open-end (not home-secured) consumer credit plan. (2) Rate increases...

12 CFR 226.1 - Authority, purpose, coverage, organization, enforcement, and liability.

Code of Federal Regulations, 2011 CFR

2011-01-01

... consumer's principal dwelling, regulates certain credit card practices, and provides a means for fair and... charges applicable to credit card accounts under an open-end (not home-secured) consumer credit plan. The... credit is primarily for personal, family, or household purposes. (2) If a credit card is involved...

12 CFR 226.53 - Allocation of payments.

Code of Federal Regulations, 2013 CFR

2013-01-01

... (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End... periodic payment for a credit card account under an open-end (not home-secured) consumer credit plan, the... program. When a balance on a credit card account under an open-end (not home-secured) consumer credit plan...

12 CFR 1026.52 - Limitations on fees.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.52 Limitations on... required to pay with respect to a credit card account under an open-end (not home-secured) consumer credit... terms or other requirements of a credit card account under an open-end (not home-secured) consumer...

12 CFR 226.53 - Allocation of payments.

Code of Federal Regulations, 2014 CFR

2014-01-01

... (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End... periodic payment for a credit card account under an open-end (not home-secured) consumer credit plan, the... program. When a balance on a credit card account under an open-end (not home-secured) consumer credit plan...

12 CFR 1026.52 - Limitations on fees.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.52 Limitations on... required to pay with respect to a credit card account under an open-end (not home-secured) consumer credit... terms or other requirements of a credit card account under an open-end (not home-secured) consumer...

12 CFR 334.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2010 CFR

2010-01-01

... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.22 Scope and duration of opt-out. (a) Scope of opt... relationship—(i) In general. If the consumer establishes a continuing relationship with you or your affiliate... continuing relationship or multiple continuing relationships that the consumer establishes with you or your...

12 CFR 222.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2013 CFR

2013-01-01

... SYSTEM (CONTINUED) FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.22 Scope and duration... consumer's election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer...

12 CFR 222.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2014 CFR

2014-01-01

... SYSTEM (CONTINUED) FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.22 Scope and duration... consumer's election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer...

16 CFR 680.24 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Section 680.24 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about...

17 CFR 162.6 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2012 CFR

2012-04-01

... PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.6 Reasonable opportunity to opt out. (a) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to...

17 CFR 162.6 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2013 CFR

2013-04-01

... PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.6 Reasonable opportunity to opt out. (a) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to...

16 CFR 680.24 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Section 680.24 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about...

16 CFR 680.24 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Section 680.24 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about...

17 CFR 162.4 - Scope and duration of opt out.

Code of Federal Regulations, 2014 CFR

2014-04-01

...) PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules... election to opt out prohibits any covered affiliate subject to the scope of the opt-out notice from using eligibility information received from another affiliate to make solicitations to the consumer. (2) Continuing...

17 CFR 162.6 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2014 CFR

2014-04-01

... (CONTINUED) PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.6 Reasonable opportunity to opt out. (a) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a...

17 CFR 162.4 - Scope and duration of opt out.

Code of Federal Regulations, 2012 CFR

2012-04-01

... OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162... election to opt out prohibits any covered affiliate subject to the scope of the opt-out notice from using eligibility information received from another affiliate to make solicitations to the consumer. (2) Continuing...

17 CFR 162.4 - Scope and duration of opt out.

Code of Federal Regulations, 2013 CFR

2013-04-01

... OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162... election to opt out prohibits any covered affiliate subject to the scope of the opt-out notice from using eligibility information received from another affiliate to make solicitations to the consumer. (2) Continuing...

16 CFR 680.24 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Section 680.24 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about...

77 FR 37616 - Disclosure of Consumer Complaint Data

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-22

... X [Docket No. CFPB-2012-0023] Disclosure of Consumer Complaint Data AGENCY: Bureau of Consumer... disclosure of data from consumer complaints about financial products and services other than credit cards... Statement'') describing its plans to disclose consumer credit card complaint data. The present notice (the...

How to File a Consumer Credit Complaint.

ERIC Educational Resources Information Center

Board of Governors of the Federal Reserve System, Washington, DC.

Designed for the general public and possibly suitable also for high school economics students, this pamphlet explains how a complaint against a Federal Reserve bank concerning a possible violation of any of the federal consumer credit laws can be filed. Seven consumer credit laws are listed with a brief statement about the major protections of…

12 CFR Appendix I to Part 226 - Federal Enforcement Agencies

Code of Federal Regulations, 2010 CFR

2010-01-01

.... Retail, Department Stores, Consumer Finance Companies, All Other Creditors, and All Nonbank Credit Card... Office in which they operate.) Division of Credit Practices, Bureau of Consumer Protection, Federal Trade.... Federal Credit Unions Regional office of the National Credit Union Administration serving the area in...

12 CFR 265.9 - Functions delegated to the Director of Division of Consumer and Community Affairs.

Code of Federal Regulations, 2010 CFR

2010-01-01

...), 814(c), and 917(b) of the Consumer Credit Protection Act (15 U.S.C. 1607(b), 1681s(b), 1691c(b), 1692l... responsibilities in connection with: (1) Sections 1-200 and 501-921 of the Consumer Credit Protection Act (15 U.S.C... Advisory Council. Pursuant to section 703(b) of the Consumer Credit Protection Act (15 U.S.C. 1691b(b)), to...

77 FR 75410 - Request for Information Regarding Credit Card Market

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-20

... Regarding Credit Card Market AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice and request for information. SUMMARY: Section 502(a) of the Credit Card Accountability Responsibility and Disclosure Act of... review (Review) of the consumer credit card market, within the limits of its existing resources available...

12 CFR 717.26 - Delivery of opt-out notices.

Code of Federal Regulations, 2010 CFR

2010-01-01

... CREDIT REPORTING Affiliate Marketing § 717.26 Delivery of opt-out notices. (a) In general. The opt-out... the notice; or (4) Posts the notice on the Internet Web site at which the consumer obtained a product... notice; or (3) Posts the notice on an Internet Web site without requiring the consumer to acknowledge...

12 CFR 334.26 - Delivery of opt-out notices.

Code of Federal Regulations, 2010 CFR

2010-01-01

... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.26 Delivery of opt-out notices. (a) In general... the notice; or (4) Posts the notice on the Internet Web site at which the consumer obtained a product... notice; or (3) Posts the notice on an Internet Web site without requiring the consumer to acknowledge...

12 CFR 717.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2010 CFR

2010-01-01

... CREDIT REPORTING Affiliate Marketing § 717.22 Scope and duration of opt-out. (a) Scope of opt-out. (1) In... as described in the notice to make solicitations to the consumer. (2) Continuing relationship. (i) In general. If the consumer establishes a continuing relationship with you or your affiliate, an opt-out...

12 CFR 717.21 - Affiliate marketing opt-out and exceptions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Affiliate marketing opt-out and exceptions. 717... UNIONS FAIR CREDIT REPORTING Affiliate Marketing § 717.21 Affiliate marketing opt-out and exceptions. (a... consumer that you receive from an affiliate to make a solicitation for marketing purposes to the consumer...

17 CFR 162.9 - Renewal of opt out.

Code of Federal Regulations, 2012 CFR

2012-04-01

... CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.9 Renewal... opt-out elections can expire in a period of no less than five years, an affiliate that has or... consumer after such time in order to allow its affiliates to make solicitations. After the opt-out election...

12 CFR 571.27 - Renewal of opt-out.

Code of Federal Regulations, 2011 CFR

2011-01-01

... and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 571.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

12 CFR 571.27 - Renewal of opt-out.

Code of Federal Regulations, 2012 CFR

2012-01-01

... and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 571.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

12 CFR 571.27 - Renewal of opt-out.

Code of Federal Regulations, 2014 CFR

2014-01-01

... and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 571.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

12 CFR 717.26 - Delivery of opt-out notices.

Code of Federal Regulations, 2012 CFR

2012-01-01

... CREDIT REPORTING Affiliate Marketing § 717.26 Delivery of opt-out notices. (a) In general. The opt-out... of actual notice. A consumer may reasonably be expected to receive actual notice if the affiliate... to a consumer who has agreed to receive electronic disclosures by e-mail from the affiliate providing...

12 CFR 41.27 - Renewal of opt-out.

Code of Federal Regulations, 2013 CFR

2013-01-01

... and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

12 CFR 41.27 - Renewal of opt-out.

Code of Federal Regulations, 2011 CFR

2011-01-01

... and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

17 CFR 162.9 - Renewal of opt out.

Code of Federal Regulations, 2014 CFR

2014-04-01

...) PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules... provides that opt-out elections can expire in a period of no less than five years, an affiliate that has or... consumer after such time in order to allow its affiliates to make solicitations. After the opt-out election...

12 CFR 334.26 - Delivery of opt-out notices.

Code of Federal Regulations, 2013 CFR

2013-01-01

... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.26 Delivery of opt-out notices. (a) In general... expectation of actual notice. A consumer may reasonably be expected to receive actual notice if the affiliate... to a consumer who has agreed to receive electronic disclosures by e-mail from the affiliate providing...

12 CFR 41.27 - Renewal of opt-out.

Code of Federal Regulations, 2012 CFR

2012-01-01

... and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

12 CFR 334.26 - Delivery of opt-out notices.

Code of Federal Regulations, 2014 CFR

2014-01-01

... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.26 Delivery of opt-out notices. (a) In general... expectation of actual notice. A consumer may reasonably be expected to receive actual notice if the affiliate... to a consumer who has agreed to receive electronic disclosures by e-mail from the affiliate providing...

17 CFR 162.9 - Renewal of opt out.

Code of Federal Regulations, 2013 CFR

2013-04-01

... CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.9 Renewal... opt-out elections can expire in a period of no less than five years, an affiliate that has or... consumer after such time in order to allow its affiliates to make solicitations. After the opt-out election...

12 CFR 717.26 - Delivery of opt-out notices.

Code of Federal Regulations, 2014 CFR

2014-01-01

... CREDIT REPORTING Affiliate Marketing § 717.26 Delivery of opt-out notices. (a) In general. The opt-out... of actual notice. A consumer may reasonably be expected to receive actual notice if the affiliate... to a consumer who has agreed to receive electronic disclosures by e-mail from the affiliate providing...

12 CFR 334.26 - Delivery of opt-out notices.

Code of Federal Regulations, 2012 CFR

2012-01-01

... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.26 Delivery of opt-out notices. (a) In general... expectation of actual notice. A consumer may reasonably be expected to receive actual notice if the affiliate... to a consumer who has agreed to receive electronic disclosures by e-mail from the affiliate providing...

12 CFR 717.26 - Delivery of opt-out notices.

Code of Federal Regulations, 2013 CFR

2013-01-01

... CREDIT REPORTING Affiliate Marketing § 717.26 Delivery of opt-out notices. (a) In general. The opt-out... of actual notice. A consumer may reasonably be expected to receive actual notice if the affiliate... to a consumer who has agreed to receive electronic disclosures by e-mail from the affiliate providing...

12 CFR 571.27 - Renewal of opt-out.

Code of Federal Regulations, 2013 CFR

2013-01-01

... and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 571.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

12 CFR 41.27 - Renewal of opt-out.

Code of Federal Regulations, 2014 CFR

2014-01-01

... and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement.—(1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

12 CFR 717.21 - Affiliate marketing opt-out and exceptions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Affiliate marketing opt-out and exceptions. 717... UNIONS FAIR CREDIT REPORTING Affiliate Marketing § 717.21 Affiliate marketing opt-out and exceptions. (a... consumer that you receive from an affiliate to make a solicitation for marketing purposes to the consumer...

29 CFR 870.11 - Exceptions to the restrictions provided by section 303(a) of the CCPA and priorities among...

Code of Federal Regulations, 2010 CFR

2010-07-01

... Act. (2) Accordingly the Consumer Credit Protection Act does not restrict in any way the amount which..., the Consumer Credit Protection Act permits garnishment for the support of any person of only the... debt, and these garnishments have priority, the Consumer Credit Protection Act does not permit...

12 CFR 227.24 - Unfair acts or practices regarding increases in annual percentage rates.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) Consumer Credit Card Account Practices Rule § 227.24 Unfair acts or practices regarding increases in annual... will apply to each category of transactions on the consumer credit card account. A bank must not increase the annual percentage rate for a category of transactions on any consumer credit card account...

Consumer default risk assessment in a banking institution

NASA Astrophysics Data System (ADS)

Costa e Silva, Eliana; Lopes, Isabel Cristina; Correia, Aldina; Faria, Susana

2016-12-01

Credit scoring is an application of financial risk forecasting to consumer lending. In this study, statistical analysis is applied to credit scoring data from a financial institution to evaluate the default risk of consumer loans. The default risk was found to be influenced by the spread, the age of the consumer, the number of credit cards owned by the consumer. A lower spread, a higher number of credit cards and a younger age of the borrower are factors that decrease the risk of default. Clients receiving the salary in the same banking institution of the loan have less chances of default than clients receiving their salary in another institution. We also found that clients in the lowest income tax echelon have more propensity to default.

Are Credit Card Rates Too High? At Home with Consumers. Volume 8, Number 1.

ERIC Educational Resources Information Center

At Home with Consumers, 1987

1987-01-01

The four articles in this journal issue examine the pros and cons of the proposition that credit card rates are too high. In "How Congress and Consumers Will Crack the Credit Card Market," Congressman Charles E. Schumer argues that banks can get away with their excessive rates because of consumer misinformation and the unfair competitive edge held…

Credit Card Misuse, Money Attitudes, and Compulsive Buying Behaviors: A Comparison of Internal and External Locus of Control (LOC) Consumers

ERIC Educational Resources Information Center

Watson, Stevie

2009-01-01

This study examined attitudinal and behavioral differences between internal and external locus of control (LOC) consumers on credit card misuse, the importance of money, and compulsive buying. Using multiple analysis of variance and separate analyses of variance, internal LOC consumers were found to have lower scores on credit card misuse and…

Expanding the Curriculum in Consumer Economics

ERIC Educational Resources Information Center

Staples, William A.

1978-01-01

The article discusses ways to implement a broadened consumer economics curriculum at the secondary level to include personal and household budgeting and purchasing, consumer credit, bank services, savings and loans, credit unions, insurance, investments, and taxation. (MF)

Your Legal Guide to Consumer Credit, with a Special Section on Bankruptcy. You and the Law Series.

ERIC Educational Resources Information Center

American Bar Association, Chicago, IL. Public Education Div.

This booklet was published to help people better understand how to use it, how to determine if they are reaching or have reached their credit-debt limit, and what to do if they have exceeded that limit. It also explains federal rules, regulations, and laws pertaining to consumer installment credit that are designed to protect the consumer.…

77 FR 22764 - Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-17

... favorable than the terms offered to consumers with better credit histories, that they maintain certain... reports. Type of Review: Revision of a currently approved collection. Affected Public: Businesses and...

76 FR 40196 - Semiannual Agenda of Regulations

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-07

... Reporting Agencies (AD40) The OCC, Board, FDIC, OTS, NCUA, and FTC (collectively referred to as the... Transactions Act of 2003 (FACT Act) that amended section 623 of the Fair Credit Reporting Act (FCRA). This... opening date to a consumer reporting agency to promote the integrity of the information. In addition, the...

Factors Influencing Blount County, Tennessee Home Demonstration Club Members' Use of Consumer Credit. A Research Summary of a Graduate Study.

ERIC Educational Resources Information Center

Neas, Ethel Josephine; And Others

A study was made of the use of consumer credit by Home Demonstration Club (HDC) members in Blount County, Tennessee, as a basis for planning educational programs. Data were secured by group interviews from 237 Home Demonstration Club members representing 24 clubs. The data were classified according to the members use of consumer credit: those who…

Credit-Card Bill Seeks to Protect Students but Could Limit Their Access to Credit

ERIC Educational Resources Information Center

Field, Kelly

2009-01-01

Congress passed legislation last week that would shield students and other consumers from sudden spikes in interest rates and fees, but that could make it harder for young people to access credit to pay for college. The legislation would extend broad new consumer protections to all credit-card holders, offering special protections to college…

Relationship of credit attitude and debt to self-esteem and locus of control in college-age consumers.

PubMed

Pinto, Mary Beth; Mansfield, Phylis M; Parente, Diane H

2004-06-01

College-age consumers are one of the groups most highly targeted by credit card marketers. While some college students use their credit cards wisely, others are unable to control their spending. The objective of this study was to investigate differences in attitude toward credit cards and the psychological factors of self-esteem and locus of control among college students who possess one or more credit cards. Attitude was operationalized to include three underlying components: cognitive, affective, and behavioral. We separated credit users into subcategories based on amount of installment debt. Convenience users were defined as those consumers who paid the credit-card balance in full each month. Installment users were classified as consumers who carried a balance month-to-month. Convenience users were compared to mild and heavy installment users to assess significance of differences in attitudinal and psychological factors. There were no significant differences in the psychological factors across the credit-card user groups. In addition, there was a statistically significant difference on each of the attitude components (knowledge/beliefs, affect, and behavior) across user groups; convenience users, mild installment, and heavy installment users.

12 CFR 222.24 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2013 CFR

2013-01-01

... RESERVE SYSTEM (CONTINUED) FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.24 Reasonable... receive from an affiliate to make a solicitation to the consumer about your products or services, unless...

12 CFR 226.36 - Prohibited acts or practices in connection with credit secured by a consumer's principal dwelling.

Code of Federal Regulations, 2011 CFR

2011-01-01

... this section, the term “mortgage broker” means a person, other than an employee of a creditor, who for... appraiser from consideration for future engagement because the appraiser reports a value of a consumer's... for another person. The term “loan originator” includes an employee of the creditor if the employee...

77 FR 37558 - Disclosure of Certain Credit Card Complaint Data

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-22

... publication of a public consumer complaint database that, instead of aiding complainants, enables data mining... Certain Credit Card Complaint Data AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice of... Bureau plans to exercise its discretion to publicly disclose certain credit card complaint data that do...

75 FR 67457 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-02

.... Olson, Counsels, Division of Consumer and Community Affairs, Board of Governors of the Federal Reserve... transparent practices pertaining to open-end consumer credit plans. The requirements of the Credit Card Act... became effective in three stages. First, provisions generally requiring that consumers receive 45 days...

12 CFR 717.83 - Disposal of consumer information.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Section 717.83 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS... behalf of the credit union for a business purpose. Consumer information also means a compilation of such... for but does not receive a loan, including any loan sought by an individual for a business purpose; (D...

12 CFR 706.5 - State exemptions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... between a consumer and a federal credit union. Person means an individual, corporation, or other business... balances on a consumer credit card account based on balances for days in billing cycles that precede the most recent billing cycle as a result of the loss of any time period provided by the federal credit...

12 CFR 334.20 - Coverage and definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... public. A solicitation does not include marketing communications that are directed at the general public... FAIR CREDIT REPORTING Affiliate Marketing § 334.20 Coverage and definitions. (a) Coverage. Subpart C of... information” means any information the communication of which would be a consumer report if the exclusions...

National Credit Union Administration Semiannual Regulatory Agenda

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-26

... only the minimum required burdens on credit unions, consumers, and the public; are appropriate for the... Administration--Completed Actions Regulation Sequence Title Identifier Number Number 412 Privacy of Consumer... Actions 412. PRIVACY OF CONSUMER FINANCIAL INFORMATION Legal Authority: 15 USC 6801 et seq Abstract: NCUA...

12 CFR 222.28 - Effective date, compliance date, and prospective application.

Code of Federal Regulations, 2012 CFR

2012-01-01

... GOVERNORS OF THE FEDERAL RESERVE SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.28... using eligibility information that you receive from an affiliate to make solicitations to a consumer if...

12 CFR 717.24 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2011 CFR

2011-01-01

... FAIR CREDIT REPORTING Affiliate Marketing § 717.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a...

12 CFR 41.28 - Effective date, compliance date, and prospective application.

Code of Federal Regulations, 2013 CFR

2013-01-01

... TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.28 Effective date, compliance date, and prospective... an affiliate to make solicitations to a consumer if the bank receives such information prior to...

12 CFR 41.28 - Effective date, compliance date, and prospective application.

Code of Federal Regulations, 2014 CFR

2014-01-01

... TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.28 Effective date, compliance date, and prospective... an affiliate to make solicitations to a consumer if the bank receives such information prior to...

12 CFR 571.28 - Effective date, compliance date, and prospective application.

Code of Federal Regulations, 2014 CFR

2014-01-01

... FAIR CREDIT REPORTING Affiliate Marketing § 571.28 Effective date, compliance date, and prospective... affiliate to make solicitations to a consumer if you receive such information prior to October 1, 2008. For...

12 CFR 222.28 - Effective date, compliance date, and prospective application.

Code of Federal Regulations, 2011 CFR

2011-01-01

... GOVERNORS OF THE FEDERAL RESERVE SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.28... using eligibility information that you receive from an affiliate to make solicitations to a consumer if...

17 CFR 162.8 - Acceptable delivery methods of opt-out notices.

Code of Federal Regulations, 2012 CFR

2012-04-01

... COMMISSION PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.8 Acceptable delivery methods of opt-out notices. (a) In general. The opt-out notice...

12 CFR 571.28 - Effective date, compliance date, and prospective application.

Code of Federal Regulations, 2012 CFR

2012-01-01

... THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 571.28 Effective date, compliance date, and... receive from an affiliate to make solicitations to a consumer if you receive such information prior to...

12 CFR 571.28 - Effective date, compliance date, and prospective application.

Code of Federal Regulations, 2011 CFR

2011-01-01

... THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 571.28 Effective date, compliance date, and... receive from an affiliate to make solicitations to a consumer if you receive such information prior to...

12 CFR 717.24 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2013 CFR

2013-01-01

... FAIR CREDIT REPORTING Affiliate Marketing § 717.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a...

12 CFR 717.24 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2014 CFR

2014-01-01

... FAIR CREDIT REPORTING Affiliate Marketing § 717.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a...

12 CFR 717.24 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2012 CFR

2012-01-01

... FAIR CREDIT REPORTING Affiliate Marketing § 717.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a...

12 CFR 41.28 - Effective date, compliance date, and prospective application.

Code of Federal Regulations, 2012 CFR

2012-01-01

... TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.28 Effective date, compliance date, and prospective... an affiliate to make solicitations to a consumer if the bank receives such information prior to...

12 CFR 41.28 - Effective date, compliance date, and prospective application.

Code of Federal Regulations, 2011 CFR

2011-01-01

... TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.28 Effective date, compliance date, and prospective... an affiliate to make solicitations to a consumer if the bank receives such information prior to...

12 CFR 571.28 - Effective date, compliance date, and prospective application.

Code of Federal Regulations, 2013 CFR

2013-01-01

... FAIR CREDIT REPORTING Affiliate Marketing § 571.28 Effective date, compliance date, and prospective... affiliate to make solicitations to a consumer if you receive such information prior to October 1, 2008. For...

17 CFR 162.8 - Acceptable delivery methods of opt-out notices.

Code of Federal Regulations, 2013 CFR

2013-04-01

... COMMISSION PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.8 Acceptable delivery methods of opt-out notices. (a) In general. The opt-out notice...

Leveraging Psychological Insights to Encourage the Responsible Use of Consumer Debt.

PubMed

Hershfield, Hal E; Sussman, Abigail B; O'Brien, Rourke L; Bryan, Christopher J

2015-11-01

U.S. consumers currently hold $880 billion in revolving debt, with a mean household credit card balance of approximately $6,000. Although economic factors play a role in this societal issue, it is clear that psychological forces also affect consumers' decisions to take on and maintain unmanageable debt balances. We examine three psychological barriers to the responsible use of credit and debt. We discuss the tendency for consumers to (a) make erroneous predictions about future spending habits, (b) rely too heavily on values presented on billing statements, and (c) categorize debt and saving into separate mental accounts. To overcome these obstacles, we urge policymakers to implement methods that facilitate better budgeting of future expenses, modify existing credit card statement disclosures, and allow consumers to easily apply government transfers (such as tax credits) to debt repayment. In doing so, we highlight minimal and inexpensive ways to remedy the debt problem. © The Author(s) 2015.

Getting Your Dollar's Worth.

ERIC Educational Resources Information Center

Shackell, Wallace K., Jr.

Designed as a secondary level consumer education text dealing with how to use your money wisely, this booklet makes use of stories, skits, and cartoon drawings to dramatize the everyday life of a consumer. It tells how to buy cars, how to use credit (charge accounts, credit cards, life insurance, credit unions, passbook savings, commercial banks,…

Measuring Behavioral Learnings: A Study in Consumer Credits.

ERIC Educational Resources Information Center

Anderson, C. Raymond

A social simulation game, Consumer, was used to study the effectiveness of simulation in teaching facts about: (1) installment buying; (2) how to compare available sources of credit; and (3) how to recognize the best credit contract. The entire twelfth grade at one high school participated in the study. Ten class sections were assigned to…

12 CFR 334.80-334.81 - [Reserved

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false [Reserved] 334.80-334.81 Section 334.80-334.81 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY FAIR CREDIT REPORTING Duties of Users of Consumer Reports Regarding Address Discrepancies and Records...

12 CFR 41.80-81 - [Reserved

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false [Reserved] 41.80-81 Section 41.80-81 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Duties of Users of Consumer Reports Regarding Address Discrepancies and Records Disposal § 41.80-81 [Reserved] ...

16 CFR 682.5 - Effective date.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 16 Commercial Practices 1 2010-01-01 2010-01-01 false Effective date. 682.5 Section 682.5 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT DISPOSAL OF CONSUMER REPORT INFORMATION AND RECORDS § 682.5 Effective date. The rule in this part is effective on June 1, 2005. ...

5 CFR 581.401 - Aggregate disposable earnings.

Code of Federal Regulations, 2010 CFR

2010-01-01

... garnishable under the Consumer Credit Protection Act for child support and/or alimony, are the obligor's... PROCESSING GARNISHMENT ORDERS FOR CHILD SUPPORT AND/OR ALIMONY Consumer Credit Protection Act Restrictions...

40 CFR Appendix L to Part 51 - Example Regulations for Prevention of Air Pollution Emergency Episodes

Code of Federal Regulations, 2013 CFR

2013-07-01

... selling merchandise to such persons or companies, except those engaged in the distribution of drugs... studios; beauty shops, barber shops, shoe repair shops. i. Advertising offices; consumer credit reporting...

40 CFR Appendix L to Part 51 - Example Regulations for Prevention of Air Pollution Emergency Episodes

Code of Federal Regulations, 2014 CFR

2014-07-01

... selling merchandise to such persons or companies, except those engaged in the distribution of drugs... studios; beauty shops, barber shops, shoe repair shops. i. Advertising offices; consumer credit reporting...

40 CFR Appendix L to Part 51 - Example Regulations for Prevention of Air Pollution Emergency Episodes

Code of Federal Regulations, 2011 CFR

2011-07-01

... selling merchandise to such persons or companies, except those engaged in the distribution of drugs... studios; beauty shops, barber shops, shoe repair shops. i. Advertising offices; consumer credit reporting...

40 CFR Appendix L to Part 51 - Example Regulations for Prevention of Air Pollution Emergency Episodes

Code of Federal Regulations, 2012 CFR

2012-07-01

... selling merchandise to such persons or companies, except those engaged in the distribution of drugs... studios; beauty shops, barber shops, shoe repair shops. i. Advertising offices; consumer credit reporting...

40 CFR Appendix L to Part 51 - Example Regulations for Prevention of Air Pollution Emergency Episodes

Code of Federal Regulations, 2010 CFR

2010-07-01

... selling merchandise to such persons or companies, except those engaged in the distribution of drugs... studios; beauty shops, barber shops, shoe repair shops. i. Advertising offices; consumer credit reporting...

12 CFR 334.28 - Effective date, compliance date, and prospective application.

Code of Federal Regulations, 2012 CFR

2012-01-01

... REGULATIONS AND STATEMENTS OF GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.28 Effective date... eligibility information that you receive from an affiliate to make solicitations to a consumer if you receive...

12 CFR 334.28 - Effective date, compliance date, and prospective application.

Code of Federal Regulations, 2013 CFR

2013-01-01

... REGULATIONS AND STATEMENTS OF GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.28 Effective date... eligibility information that you receive from an affiliate to make solicitations to a consumer if you receive...

12 CFR 334.28 - Effective date, compliance date, and prospective application.

Code of Federal Regulations, 2014 CFR

2014-01-01

... REGULATIONS AND STATEMENTS OF GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.28 Effective date... eligibility information that you receive from an affiliate to make solicitations to a consumer if you receive...

12 CFR 334.28 - Effective date, compliance date, and prospective application.

Code of Federal Regulations, 2011 CFR

2011-01-01

... REGULATIONS AND STATEMENTS OF GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.28 Effective date... eligibility information that you receive from an affiliate to make solicitations to a consumer if you receive...

49 CFR 89.29 - Disclosure to commercial credit bureaus and consumer reporting agencies.

Code of Federal Regulations, 2010 CFR

2010-10-01

.... (b) The information that may be disclosed is the debtor's name, address, social security number or taxpayer identification number, and any other information to establish the identity and location of the...

12 CFR 1026.1 - Authority, purpose, coverage, organization, enforcement, and liability.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Consumer Financial Protection Act of 2010, Title X of the Dodd-Frank Wall Street Reform and Consumer... contains the rules for open-end credit. It requires that account-opening disclosures and periodic...-secured) consumer credit plan during the first year after account opening. Section 1026.53 contains rules...

The Assertive Consumer: Credit and Warranties. Administrative Model.

ERIC Educational Resources Information Center

Clark, Barbara; Veraska, Wanda

This administrative model contains materials to be used in setting up a workshop designed to train members of action organizations (consumer, community, educational) in techniques such as role playing, modeling, and developing strong communications skills for assertively securing legal consumer rights in the areas of credits and warranties, and to…

The Assertive Consumer: Credit and Warranties. Student's Manual.

ERIC Educational Resources Information Center

Clark, Barbara; And Others

This student manual contains materials to be used in a workshop designed to train members of action organizations (consumer, community, educational) in techniques such as role playing, modeling, and developing strong communication skills for assertively securing legal consumer rights in the areas of credits and warranties and to prepare the…

12 CFR 741.220 - Privacy of consumer financial information.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Privacy of consumer financial information. 741.220 Section 741.220 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING... Privacy of consumer financial information. Any credit union which is insured pursuant to Title II of the...

12 CFR 741.220 - Privacy of consumer financial information.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Privacy of consumer financial information. 741.220 Section 741.220 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING... Privacy of consumer financial information. Any credit union which is insured pursuant to Title II of the...

12 CFR 741.220 - Privacy of consumer financial information.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Privacy of consumer financial information. 741.220 Section 741.220 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING... Privacy of consumer financial information. Any credit union which is insured pursuant to title II of the...

12 CFR 741.220 - Privacy of consumer financial information.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Privacy of consumer financial information. 741.220 Section 741.220 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING... Privacy of consumer financial information. Any credit union which is insured pursuant to Title II of the...

12 CFR 741.220 - Privacy of consumer financial information.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Privacy of consumer financial information. 741.220 Section 741.220 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING... Privacy of consumer financial information. Any credit union which is insured pursuant to Title II of the...

32 CFR 232.8 - Limitations.

Code of Federal Regulations, 2010 CFR

2010-07-01

... LIMITATIONS ON TERMS OF CONSUMER CREDIT EXTENDED TO SERVICE MEMBERS AND DEPENDENTS § 232.8 Limitations. (a) 10 U.S.C. 987 makes it unlawful for any creditor to extend consumer credit to a covered borrower with respect to which: (1) The creditor rolls over, renews, repays, refinances, or consolidates any consumer...

31 CFR 14.1 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-07-01

..., savings bank, card issuer as defined in section 103 of the Consumer Credit Protection Act (15 U.S.C. 1602... association (including cooperative bank), credit union, or consumer financial institution, located in any...

77 FR 9592 - Defining Larger Participants in Certain Consumer Financial Product and Service Markets

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-17

... delinquency prior to charge off (charge off usually occurs 120 or 180 days after delinquency, depending on the...-off policy for open-end credit at 180 days delinquency and closed-end credit at 120 days delinquency... credit market and has a significant impact on consumers. By collecting delinquent debt, collectors reduce...

16 CFR 680.1 - Purpose and scope.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.1... marketing solicitations, or provides information to its affiliates for that purpose. ...) regulates the use, for marketing solicitation purposes, of consumer information provided by persons...

16 CFR 680.1 - Purpose and scope.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.1... marketing solicitations, or provides information to its affiliates for that purpose. ...) regulates the use, for marketing solicitation purposes, of consumer information provided by persons...

16 CFR 680.1 - Purpose and scope.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.1... marketing solicitations, or provides information to its affiliates for that purpose. ...) regulates the use, for marketing solicitation purposes, of consumer information provided by persons...

16 CFR 680.1 - Purpose and scope.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.1... marketing solicitations, or provides information to its affiliates for that purpose. ...) regulates the use, for marketing solicitation purposes, of consumer information provided by persons...

16 CFR 680.1 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.1... marketing solicitations, or provides information to its affiliates for that purpose. ...) regulates the use, for marketing solicitation purposes, of consumer information provided by persons...

76 FR 7213 - ACRAnet, Inc.; SettlementOne Credit Corporation, and Sackett National Holdings, Inc.; Fajilan and...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-02-09

... allege that hackers were able to exploit vulnerabilities in the computer networks of multiple end user clients, putting all consumer reports in those networks at risk. In multiple breaches, hackers accessed...

Credit. 1991-92 NCCE/AT&T Projects. Consumer Education Programs.

ERIC Educational Resources Information Center

Eastern Michigan Univ., Ypsilanti. National Inst. for Consumer Education.

Summaries are provided of 37 projects that address the credit education and information needs of consumers. The projects are supported by AT&T Universal Card Services Corp. through a fund managed by the National Coalition for Consumer Education. Each summary provides a project description, grant recipient, and address/telephone number. The…

12 CFR 226.15 - Right of rescission.

Code of Federal Regulations, 2010 CFR

2010-01-01

... TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.15 Right of rescission. (a) Consumer's right to... increased. (ii) As provided in section 125(e) of the Act, the consumer does not have the right to rescind... established credit limit for the plan. (2) To exercise the right to rescind, the consumer shall notify the...

JPRS Report, Soviet Union, International Affairs.

DTIC Science & Technology

1987-06-17

Commodities rarely bought on "plastic credit" so far include food products and consumer durables—homes, cars, TV sets, which can be paid for in...capitalist giants’ diktat vis-ä-vis scat- tered and isolated farm producers in Africa and the consumers of food supplied there from the West. Ruinous...ensuring their food self-sufficiency, so- cialist countries cooperate with them in building major hydrotechnical projects and agro- industrial

77 FR 66748 - Truth in Lending (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-07

... partners who do not work outside the home to obtain credit card accounts. These groups urged the Bureau to... theory certain consumer and issuer behaviors could lead to situations where consumers enter into credit...

12 CFR 222.80-222.81 - [Reserved

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 3 2011-01-01 2011-01-01 false [Reserved] 222.80-222.81 Section 222.80-222.81 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM FAIR CREDIT REPORTING (REGULATION V) Duties of Users of Consumer Reports Regarding Identity Theft § 222...

12 CFR 222.80-222.81 - [Reserved

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false [Reserved] 222.80-222.81 Section 222.80-222.81 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM FAIR CREDIT REPORTING (REGULATION V) Duties of Users of Consumer Reports Regarding Identity Theft § 222...

12 CFR 571.80-570.81 - [Reserved

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false [Reserved] 571.80-570.81 Section 571.80-570.81 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Duties of Users of Consumer Reports Regarding Address Discrepancies and Records Disposal §§ 571.80-570.81...

12 CFR 222.91 - Duties of card issuers regarding changes of address.

Code of Federal Regulations, 2010 CFR

2010-01-01

... described in § 222.90(a) that issues a debit or credit card (card issuer). (b) Definitions. For purposes of this section: (1) Cardholder means a consumer who has been issued a credit or debit card. (2) Clear and... notification of a change of address for a consumer's debit or credit card account and, within a short period of...

29 CFR 2702.8 - Advance payment of fees; interest; debt collection procedures.

Code of Federal Regulations, 2010 CFR

2010-07-01

... charged in timely fashion (i.e., within 30 days of the date of billing) may be required first to pay that...) The Debt Collection Act of 1982, Pub. L. 97-365, including disclosure to consumer credit reporting...

24 CFR 15.110 - What fees will HUD charge?

Code of Federal Regulations, 2010 CFR

2010-04-01

... estimated fee is more than $250.00 or you have a history of failing to pay FOIA fees to HUD in a timely... consumer credit reporting agencies of your delinquency. (3) If you owe fees for previous FOIA responses...

12 CFR 227.22 - Unfair acts or practices regarding time to make payment.

Code of Federal Regulations, 2010 CFR

2010-01-01

... THE FEDERAL RESERVE SYSTEM UNFAIR OR DECEPTIVE ACTS OR PRACTICES (REGULATION AA) Consumer Credit Card.... Except as provided in paragraph (c) of this section, a bank must not treat a payment on a consumer credit card account as late for any purpose unless the consumer has been provided a reasonable amount of time...

12 CFR Appendix F to Part 226 - Annual Percentage Rate Computations for Certain Open-End Credit Plans

Code of Federal Regulations, 2010 CFR

2010-01-01

... adjusted balance (previous balance less payments and credits) and the consumer made a payment of $50 at the... convenience of the user, the revised text is set forth as follows: Pt. 226, App. F, Nt. Appendix F to Part 226... rate applies only to an adjusted balance (previous balance less payments and credits) and the consumer...

12 CFR 560.3 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

...)). Consumer loans do not include credit extended in connection with credit card loans, bona fide overdraft... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

12 CFR 560.3 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

...)). Consumer loans do not include credit extended in connection with credit card loans, bona fide overdraft... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

12 CFR 560.3 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

...)). Consumer loans do not include credit extended in connection with credit card loans, bona fide overdraft... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

12 CFR 560.3 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

...)). Consumer loans do not include credit extended in connection with credit card loans, bona fide overdraft... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

76 FR 40612 - Real Estate Settlement Procedures Act (RESPA): Technical Corrections and Clarifying Amendments

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-11

...)(ii)(D) states that ``creditor'' is defined in the Consumer Credit Protection Act at 15 U.S.C. 1602(f... ``creditor'', as defined in section 103(g) of the Consumer Credit Protection Act (15 U.S.C. 1602(g)), that... enactment of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act (Pub. L. 110-203...

12 CFR 226.36 - Prohibited acts or practices in connection with credit secured by a consumer's principal dwelling.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Prohibited acts or practices in connection with...) Special Rules for Certain Home Mortgage Transactions § 226.36 Prohibited acts or practices in connection...) Misrepresentation of value of consumer's dwelling—(1) Coercion of appraiser. In connection with a consumer credit...

78 FR 25818 - Truth in Lending (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-03

...The Bureau of Consumer Financial Protection (Bureau) issues this final rule to amend Regulation Z, which implements the Truth in Lending Act (TILA), and the official interpretations to the regulation. Regulation Z generally prohibits a card issuer from opening a credit card account for a consumer, or increasing the credit limit applicable to a credit card account, unless the card issuer considers the consumer's ability to make the required payments under the terms of such account. Regulation Z currently requires that issuers consider the consumer's independent ability to pay, regardless of the consumer's age; in contrast, TILA expressly requires consideration of an independent ability to pay only for applicants who are under the age of 21. The final rule amends Regulation Z to remove the requirement that issuers consider the consumer's independent ability to pay for applicants who are 21 or older, and permits issuers to consider income and assets to which such consumers have a reasonable expectation of access.

26 CFR 301.6402-6 - Offset of past-due, legally enforceable debt against overpayment.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Service shall, after making appropriate credits as provided by § 301.6402-3(a)(6) (i) and (ii), reduce the... in the agency (unless the agency has certified that, relying on the most current information... U.S.C. 3711(f), unless the consumer reporting agency would be prohibited from reporting information...

5 CFR 582.401 - Aggregate disposable earnings.

Code of Federal Regulations, 2010 CFR

2010-01-01

... COMMERCIAL GARNISHMENT OF FEDERAL EMPLOYEES' PAY Consumer Credit Protection Act Restrictions § 582.401 Aggregate disposable earnings. In accordance with the Consumer Credit Protection Act, the aggregate disposable earnings under this part are the employee-obligor's pay less those amounts excluded in accordance...

17 CFR 162.10-162.20 - [Reserved

Code of Federal Regulations, 2014 CFR

2014-04-01

... 17 Commodity and Securities Exchanges 2 2014-04-01 2014-04-01 false [Reserved] 162.10-162.20 Section 162.10-162.20 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION (CONTINUED) PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules...

A bill to amend the Fair Credit Reporting Act to provide protections for active duty military consumers, and for other purposes.

THOMAS, 113th Congress

Sen. Menendez, Robert [D-NJ

2014-06-10

Senate - 06/10/2014 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

17 CFR 162.10-162.20 - [Reserved

Code of Federal Regulations, 2013 CFR

2013-04-01

... 17 Commodity and Securities Exchanges 1 2013-04-01 2013-04-01 false [Reserved] 162.10-162.20 Section 162.10-162.20 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules §§ 162...

17 CFR 162.10-162.20 - [Reserved

Code of Federal Regulations, 2012 CFR

2012-04-01

... 17 Commodity and Securities Exchanges 1 2012-04-01 2012-04-01 false [Reserved] 162.10-162.20 Section 162.10-162.20 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules §§ 162...

Credit: A Teaching Unit.

ERIC Educational Resources Information Center

Clanton, Brandolyn; And Others

Intended for teachers of secondary school students, five lessons on consumer credit are presented. In the first lesson students identify and evaluate sources of credit, compare some of the costs and benefits of credit, and learn to apply criteria used in evaluating applications for credit. In the second lesson, students learn about two basic types…

12 CFR 1026.1 - Authority, purpose, coverage, organization, enforcement, and liability.

Code of Federal Regulations, 2012 CFR

2012-01-01

...-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203, 124 Stat. 1376, when four... for open-end credit. It requires that account-opening disclosures and periodic statements be provided...-secured) consumer credit plan during the first year after account opening. Section 1026.53 contains rules...

14 CFR 374.1 - Purpose.

Code of Federal Regulations, 2010 CFR

2010-01-01

... REGULATIONS IMPLEMENTATION OF THE CONSUMER CREDIT PROTECTION ACT WITH RESPECT TO AIR CARRIERS AND FOREIGN AIR CARRIERS § 374.1 Purpose. The purpose of this part is to state the Department of Transportation's... the Consumer Credit Protection Act and Regulations B and Z of the Board of Governors of the Federal...

32 CFR 232.5 - Identification of covered borrower.

Code of Federal Regulations, 2010 CFR

2010-07-01

... (CONTINUED) MISCELLANEOUS LIMITATIONS ON TERMS OF CONSUMER CREDIT EXTENDED TO SERVICE MEMBERS AND DEPENDENTS § 232.5 Identification of covered borrower. (a) This part shall not apply to a consumer credit... important protections to active duty members of the Armed Forces and their dependents. To ensure that these...

75 FR 58539 - Regulation Z; Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2010-09-24

... informed use of credit resulting from consumers' awareness of the cost of credit. One of the purposes of... some cases, deciding whether to issue a proposed rule. Beginning in 2007, the Board proposed revisions... that specializes in designing and testing documents, to conduct consumer testing to help the Board's...

12 CFR 334.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2012 CFR

2012-01-01

... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.22 Scope and duration of opt-out. (a) Scope of opt... prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer. (2) Continuing...

12 CFR 222.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2011 CFR

2011-01-01

... SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.22 Scope and duration of opt-out... election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer...

12 CFR 334.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2013 CFR

2013-01-01

... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.22 Scope and duration of opt-out. (a) Scope of opt... prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer. (2) Continuing...

12 CFR 334.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2011 CFR

2011-01-01

... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.22 Scope and duration of opt-out. (a) Scope of opt... prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer. (2) Continuing...

12 CFR 334.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2014 CFR

2014-01-01

... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.22 Scope and duration of opt-out. (a) Scope of opt... prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer. (2) Continuing...

12 CFR 222.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2012 CFR

2012-01-01

... SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.22 Scope and duration of opt-out... election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer...

Leasing versus Borrowing: Evaluating Alternative Forms of Consumer Credit.

ERIC Educational Resources Information Center

Nunnally, Bennie H., Jr.; Plath, D. Anthony

1989-01-01

Presents a straightforward method for evaluating lease versus borrow (buy) decisions illustrated with actual financing cost data reported to new car purchasers. States that individuals should consider after-tax cash flows associated with alternative arrangements, time in which cash flow occurs, and opportunity cost of capital to identify the least…

The Computer "Discredit Bureau": An Extension of a Community Information Utility.

ERIC Educational Resources Information Center

Carroll, John M.

The "Discredit" Bureau borrows some of the computerized information-processing techniques adopted by credit-reporting agencies and uses them in the interest of consumers to help them press complaints against suppliers and prospective employers. This is an additional service currently being incorporated into those already afforded by a…

12 CFR 222.28 - Effective date, compliance date, and prospective application.

Code of Federal Regulations, 2010 CFR

2010-01-01

... prospective application. 222.28 Section 222.28 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.28... using eligibility information that you receive from an affiliate to make solicitations to a consumer if...

12 CFR 1026.56 - Requirements for over-the-limit transactions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College... section, the term “over-the-limit transaction” means any extension of credit by a card issuer to complete a transaction that causes a consumer's credit card account balance to exceed the credit limit. (b...

12 CFR 1026.56 - Requirements for over-the-limit transactions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College... section, the term “over-the-limit transaction” means any extension of credit by a card issuer to complete a transaction that causes a consumer's credit card account balance to exceed the credit limit. (b...

12 CFR 1026.52 - Limitations on fees.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.52 Limitations on... required to pay with respect to a credit card account under an open-end (not home-secured) consumer credit... fees. A card issuer must not impose a fee for violating the terms or other requirements of a credit...

12 CFR 1026.56 - Requirements for over-the-limit transactions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College... section, the term “over-the-limit transaction” means any extension of credit by a card issuer to complete a transaction that causes a consumer's credit card account balance to exceed the credit limit. (b...

12 CFR 226.30 - Limitation on rates.

Code of Federal Regulations, 2010 CFR

2010-01-01

... any consumer credit contract secured by a dwelling and subject to the act and this regulation the... 74 FR 5421, Jan. 29, 2009, § 226.30 was revised, effective July 1, 2010. For the convenience of the... in any consumer credit contract secured by a dwelling and subject to the act and this regulation the...

Expanding insurance coverage through tax credits, consumer choice, and market enhancements: the American Medical Association proposal for health insurance reform.

PubMed

Palmisano, Donald J; Emmons, David W; Wozniak, Gregory D

2004-05-12

Recent reports showing an increase in the number of uninsured individuals in the United States have given heightened attention to increasing health insurance coverage. The American Medical Association (AMA) has proposed a system of tax credits for the purchase of individually owned health insurance and enhancements to individual and group health insurance markets as a means of expanding coverage. Individually owned insurance would enable people to maintain coverage without disruption to existing patient-physician relationships, regardless of changes in employers or in work status. The AMA's plan would empower individuals to choose their health plan and give patients and their physicians more control over health care choices. Employers could continue to offer employment-based coverage, but employees would not be limited to the health plans offered by their employer. With a tax credit large enough to make coverage affordable and the ability to choose their own coverage, consumers would dramatically transform the individual and group health insurance markets. Health insurers would respond to the demands of individual consumers and be more cautious about increasing premiums. Insurers would also tailor benefit packages and develop new forms of coverage to better match the preferences of individuals and families. The AMA supports the development of new health insurance markets through legislative and regulatory changes to foster a wider array of high-quality, affordable plans.

The "Negative" Credit Card Effect: Credit Cards as Spending-Limiting Stimuli in New Zealand

ERIC Educational Resources Information Center

Lie, Celia; Hunt, Maree; Peters, Heather L.; Veliu, Bahrie; Harper, David

2010-01-01

The "credit card effect" describes a finding where greater value is given to consumer items if credit card logos are present. One explanation for the effect is that credit cards elicit spending behavior through associative learning. If this is true, social, economic and historical contexts should alter this effect. In Experiment 1, Year…

Consumer Rights and the Equal Credit Opportunity Act

ERIC Educational Resources Information Center

Griggs, Mildred B.

1978-01-01

Provisions of the Equal Credit Opportunity Act are outlined, with examples of the rights of persons seeking credit. A list of federal offices to write for information or to send complaints to is included. (MF)

Credit Cards: What You Don't Know Can Cost You!

ERIC Educational Resources Information Center

Detweiler, Gerri

1993-01-01

The role of credit cards in personal finance has increased dramatically over the past two decades. Complex interest computation methods and additional fees often boost the price of credit card loans and help make credit cards the most profitable type of consumer loan for many lenders. (Author/JOW)

76 FR 34010 - Credit Risk Retention

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-10

... 2501-AD53 Credit Risk Retention AGENCIES: Office of the Comptroller of the Currency, Treasury (OCC... credit risk retention requirements of section 15G of the Securities Exchange Act of 1934, as added by the Dodd-Frank Wall Street Reform and Consumer Protection Act (``Credit Risk NPR'' or ``proposed rule...

12 CFR Appendix B to Part 570 - Interagency Guidelines Establishing Information Security Standards

Code of Federal Regulations, 2011 CFR

2011-01-01

... arrangements in place to control risks. C. Manage and Control Risk. You shall: 1. Design your information... Control Risk D. Oversee Service Provider Arrangements E. Adjust the Program F. Report to the Board G... include: (A) Aggregate information, such as the mean credit score, derived from a group of consumer...

12 CFR Appendix B to Part 570 - Interagency Guidelines Establishing Information Security Standards

Code of Federal Regulations, 2013 CFR

2013-01-01

... arrangements in place to control risks. C. Manage and Control Risk. You shall: 1. Design your information... Control Risk D. Oversee Service Provider Arrangements E. Adjust the Program F. Report to the Board G... include: (A) Aggregate information, such as the mean credit score, derived from a group of consumer...

12 CFR Appendix B to Part 570 - Interagency Guidelines Establishing Information Security Standards

Code of Federal Regulations, 2014 CFR

2014-01-01

... arrangements in place to control risks. C. Manage and Control Risk. You shall: 1. Design your information... Control Risk D. Oversee Service Provider Arrangements E. Adjust the Program F. Report to the Board G... include: (A) Aggregate information, such as the mean credit score, derived from a group of consumer...

12 CFR 717.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2013 CFR

2013-01-01

... CREDIT REPORTING Affiliate Marketing § 717.22 Scope and duration of opt-out. (a) Scope of opt-out. (1) In... affiliate covered by the opt-out notice from using eligibility information received from another affiliate... general. If the consumer establishes a continuing relationship with you or your affiliate, an opt-out...

12 CFR 334.27 - Renewal of opt-out.

Code of Federal Regulations, 2014 CFR

2014-01-01

... CREDIT REPORTING Affiliate Marketing § 334.27 Renewal of opt-out. (a) Renewal notice and opt-out... eligibility information you receive from an affiliate to a consumer who previously opted out, unless: (i) The... provided in § 334.22(b) of this part. (3) Affiliates who may provide the notice. The notice required by...

12 CFR 717.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2014 CFR

2014-01-01

... CREDIT REPORTING Affiliate Marketing § 717.22 Scope and duration of opt-out. (a) Scope of opt-out. (1) In... affiliate covered by the opt-out notice from using eligibility information received from another affiliate... general. If the consumer establishes a continuing relationship with you or your affiliate, an opt-out...

16 CFR 680.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Section 680.22 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out...

16 CFR 680.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Section 680.22 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out...

12 CFR 222.27 - Renewal of opt-out.

Code of Federal Regulations, 2012 CFR

2012-01-01

... CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.27 Renewal of opt-out. (a) Renewal notice and... based on eligibility information you receive from an affiliate to a consumer who previously opted out... period of at least five years as provided in § 222.22(b) of this part. (3) Affiliates who may provide the...

12 CFR 717.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2011 CFR

2011-01-01

... CREDIT REPORTING Affiliate Marketing § 717.22 Scope and duration of opt-out. (a) Scope of opt-out. (1) In... affiliate covered by the opt-out notice from using eligibility information received from another affiliate... general. If the consumer establishes a continuing relationship with you or your affiliate, an opt-out...

16 CFR 680.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Section 680.22 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out...

12 CFR 334.27 - Renewal of opt-out.

Code of Federal Regulations, 2013 CFR

2013-01-01

... CREDIT REPORTING Affiliate Marketing § 334.27 Renewal of opt-out. (a) Renewal notice and opt-out... eligibility information you receive from an affiliate to a consumer who previously opted out, unless: (i) The... provided in § 334.22(b) of this part. (3) Affiliates who may provide the notice. The notice required by...

12 CFR 571.21 - Affiliate marketing opt-out and exceptions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Affiliate marketing opt-out and exceptions. 571... CREDIT REPORTING Affiliate Marketing § 571.21 Affiliate marketing opt-out and exceptions. (a) Initial... that you receive from an affiliate to make a solicitation for marketing purposes to the consumer...

16 CFR 680.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Section 680.22 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out...

12 CFR 222.27 - Renewal of opt-out.

Code of Federal Regulations, 2014 CFR

2014-01-01

... (CONTINUED) FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.27 Renewal of opt-out. (a) Renewal... solicitations based on eligibility information you receive from an affiliate to a consumer who previously opted... for a period of at least five years as provided in § 222.22(b) of this part. (3) Affiliates who may...

12 CFR 222.27 - Renewal of opt-out.

Code of Federal Regulations, 2013 CFR

2013-01-01

... (CONTINUED) FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.27 Renewal of opt-out. (a) Renewal... solicitations based on eligibility information you receive from an affiliate to a consumer who previously opted... for a period of at least five years as provided in § 222.22(b) of this part. (3) Affiliates who may...

12 CFR 222.27 - Renewal of opt-out.

Code of Federal Regulations, 2011 CFR

2011-01-01

... CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.27 Renewal of opt-out. (a) Renewal notice and... based on eligibility information you receive from an affiliate to a consumer who previously opted out... period of at least five years as provided in § 222.22(b) of this part. (3) Affiliates who may provide the...

12 CFR 717.22 - Scope and duration of opt-out.

Code of Federal Regulations, 2012 CFR

2012-01-01

... CREDIT REPORTING Affiliate Marketing § 717.22 Scope and duration of opt-out. (a) Scope of opt-out. (1) In... affiliate covered by the opt-out notice from using eligibility information received from another affiliate... general. If the consumer establishes a continuing relationship with you or your affiliate, an opt-out...

12 CFR 334.27 - Renewal of opt-out.

Code of Federal Regulations, 2011 CFR

2011-01-01

... CREDIT REPORTING Affiliate Marketing § 334.27 Renewal of opt-out. (a) Renewal notice and opt-out... eligibility information you receive from an affiliate to a consumer who previously opted out, unless: (i) The... provided in § 334.22(b) of this part. (3) Affiliates who may provide the notice. The notice required by...

12 CFR 334.27 - Renewal of opt-out.

Code of Federal Regulations, 2012 CFR

2012-01-01

... CREDIT REPORTING Affiliate Marketing § 334.27 Renewal of opt-out. (a) Renewal notice and opt-out... eligibility information you receive from an affiliate to a consumer who previously opted out, unless: (i) The... provided in § 334.22(b) of this part. (3) Affiliates who may provide the notice. The notice required by...

78 FR 19483 - Telemarketing Sales Rule Information Collection Activities; Proposed Collection; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2013-04-01

... telemarketers, data last appearing in the DMA 2009 Statistical Fact Book (February 2009), p. 18, shows that 17... available direct sales data for telephone marketing to consumers. See DMA Statistical Fact Book (2001), p... consumers with one or more credit cards (113,611,032) by the delinquency rate for credit cards (2.73...

Changes in alcohol consumption patterns following the introduction of credit cards in Ontario liquor stores.

PubMed

Macdonald, S A; Wells, S L; Giesbrecht, N; West, P M

1999-05-01

In 1994, regulatory changes were introduced in Ontario, Canada, permitting the purchase of alcoholic beverages with credit cards at government-operated liquor stores. Two objectives of this study were: (1) to compare the characteristics of credit card shoppers with non credit card shoppers at liquor stores, and (2) to assess whether changes occurred in alcohol consumption patterns among shoppers following the introduction of credit cards. Random digit dialing was used to interview 2,039 telephone participants prior to the introduction of credit cards (Time 1); 1,401 of these subjects were contacted 1 year later (Time 2). Independent sample t tests were used to compare credit card shoppers with shoppers not using credit cards, and paired t tests were performed to assess whether drinking behaviors changed from Time 1 to Time 2. The credit card shoppers were more likely than the non credit card shoppers to be highly educated (p < .001) and to have high incomes (p < .05). Credit card shoppers drank an average of 6.3 drinks over the previous week compared with 4.0 drinks among non credit card shoppers (p < .01). Although the overall amount of alcohol consumed among credit card shoppers dropped from 6.7 drinks at Time 1 to 6.3 at Time 2 (NS), credit card shoppers reported drinking significantly more often after credit cards were introduced (p < .05). The results suggest that credit cards may not present public health problems since significant increases in alcohol consumption among credit card shoppers were not found.

Consumer Survival: Money Management, Credit, Bankruptcy.

ERIC Educational Resources Information Center

Allen, Judy L.

1983-01-01

To teach money management effectively, an examination of credit use today and a profile of the person in financial trouble are needed. If credit patterns and bankruptcy are understood, recommendations can be made about curriculum content for money management. (SK)

12 CFR 232.1 - Scope, General Prohibition and Definitions

Code of Federal Regulations, 2014 CFR

2014-01-01

... continued eligibility, for credit, except as provided in this section. (c) Definitions. (1) Consumer means an individual. (2) Credit has the same meaning as in section 702 of the Equal Credit Opportunity Act, 15 U.S.C. 1691a. (3) Creditor has the same meaning as in section 702 of the Equal Credit Opportunity...

12 CFR 226.56 - Requirements for over-the-limit transactions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts... extension of credit by a card issuer to complete a transaction that causes a consumer's credit card account balance to exceed the credit limit. (b) Opt-in requirement. (1) General. A card issuer shall not assess a...

12 CFR 1026.59 - Reevaluation of rate increases.

Code of Federal Regulations, 2013 CFR

2013-01-01

...) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.59... an annual percentage rate that applies to a credit card account under an open-end (not home-secured... percentage rates applicable to similar new credit card accounts under an open-end (not home-secured) consumer...

12 CFR 1026.53 - Allocation of payments.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.53 Allocation of... payment in excess of the required minimum periodic payment for a credit card account under an open-end (not home-secured) consumer credit plan, the card issuer must allocate the excess amount first to the...

12 CFR 226.59 - Reevaluation of rate increases.

Code of Federal Regulations, 2011 CFR

2011-01-01

... SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...) Evaluation of increased rate. If a card issuer increases an annual percentage rate that applies to a credit card account under an open-end (not home-secured) consumer credit plan, based on the credit risk of the...

12 CFR 1026.59 - Reevaluation of rate increases.

Code of Federal Regulations, 2012 CFR

2012-01-01

...) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.59... an annual percentage rate that applies to a credit card account under an open-end (not home-secured... percentage rates applicable to similar new credit card accounts under an open-end (not home-secured) consumer...

12 CFR 1026.51 - Ability to pay.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.51 Ability to pay. (a) General rule—(1)(i) Consideration of ability to pay. A card issuer must not open a credit card... any information about a consumer's income, assets, or current obligations, or to issue a credit card...

12 CFR 1026.51 - Ability to pay.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.51 Ability to pay. (a) General rule. (1)(i) Consideration of ability to pay. A card issuer must not open a credit card... any information about a consumer's income, assets, or current obligations, or to issue a credit card...

12 CFR 1026.59 - Reevaluation of rate increases.

Code of Federal Regulations, 2014 CFR

2014-01-01

...) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.59... an annual percentage rate that applies to a credit card account under an open-end (not home-secured... percentage rates applicable to similar new credit card accounts under an open-end (not home-secured) consumer...

12 CFR 1026.51 - Ability to Pay.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.51 Ability to Pay. (a) General rule—(1)(i) Consideration of ability to pay. A card issuer must not open a credit card... credit card to a consumer who does not have any income or assets. (2) Minimum periodic payments. (i...

12 CFR 226.59 - Reevaluation of rate increases.

Code of Federal Regulations, 2012 CFR

2012-01-01

... SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...) Evaluation of increased rate. If a card issuer increases an annual percentage rate that applies to a credit card account under an open-end (not home-secured) consumer credit plan, based on the credit risk of the...

12 CFR 226.56 - Requirements for over-the-limit transactions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts... extension of credit by a card issuer to complete a transaction that causes a consumer's credit card account balance to exceed the credit limit. (b) Opt-in requirement. (1) General. A card issuer shall not assess a...

16 CFR 433.1 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

..., for the purposes of a particular transaction, in the capacity of a credit card issuer. (d) Purchase... card issuer. A person who extends to cardholders the right to use a credit card in connection with... credit to a consumer in connection with a “Credit Sale” within the meaning of the Truth in Lending Act...

12 CFR 1026.53 - Allocation of payments.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.53 Allocation of... payment in excess of the required minimum periodic payment for a credit card account under an open-end (not home-secured) consumer credit plan, the card issuer must allocate the excess amount first to the...

12 CFR 226.56 - Requirements for over-the-limit transactions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... FEDERAL RESERVE SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card... extension of credit by a card issuer to complete a transaction that causes a consumer's credit card account balance to exceed the credit limit. (b) Opt-in requirement. (1) General. A card issuer shall not assess a...

16 CFR 433.1 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

..., for the purposes of a particular transaction, in the capacity of a credit card issuer. (d) Purchase... card issuer. A person who extends to cardholders the right to use a credit card in connection with... credit to a consumer in connection with a “Credit Sale” within the meaning of the Truth in Lending Act...

12 CFR 226.52 - Limitations on fees.

Code of Federal Regulations, 2012 CFR

2012-01-01

... TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit... section, the total amount of fees a consumer is required to pay with respect to a credit card account... not impose a fee for violating the terms or other requirements of a credit card account under an open...

12 CFR 1026.53 - Allocation of payments.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.53 Allocation of... payment in excess of the required minimum periodic payment for a credit card account under an open-end (not home-secured) consumer credit plan, the card issuer must allocate the excess amount first to the...

12 CFR 226.56 - Requirements for over-the-limit transactions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... FEDERAL RESERVE SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card... extension of credit by a card issuer to complete a transaction that causes a consumer's credit card account balance to exceed the credit limit. (b) Opt-in requirement. (1) General. A card issuer shall not assess a...

76 FR 41590 - Equal Credit Opportunity

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-15

... the credit decision; (2) the range of possible scores under the model used; (3) up to four key factors that adversely affected the consumer's credit score (or up to five factors if the number of inquiries... credit score was a factor in the adverse action decision, even if it was not a significant factor, the...

78 FR 27308 - Loan Originator Compensation Requirements Under the Truth In Lending Act (Regulation Z...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-10

... implementation of its new mortgage rules (Implementation Plan),\\3\\ under which the Bureau would work with the... dwelling.\\4\\ The prohibition applies to credit life, credit disability, credit unemployment, credit... proposal. The Bureau believes that the temporary delay would balance the need for consumers to receive the...

12 CFR Appendix F - Optional Annual Percentage Rate Computations for Creditors Offering Open-End Plans Subject to the...

Code of Federal Regulations, 2014 CFR

2014-01-01

...) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit... balance (previous balance less payments and credits) and the consumer made a payment of $50 at the...

75 FR 48457 - Telemarketing Sales Rule

Federal Register 2010, 2011, 2012, 2013, 2014

2010-08-10

... debt management plan with a credit counseling agency. On the other end of the spectrum, for consumers... settlement programs. See Summary of Communications (June 16, 2010) at 1 (according to industry groups... this proceeding. 1. Credit Counseling Agencies Credit counseling agencies (``CCAs'') historically were...

12 CFR Appendix B to Part 30 - Interagency Guidelines Establishing Information Security Standards

Code of Federal Regulations, 2012 CFR

2012-01-01

... risks. C. Manage and Control Risk. Each bank shall: 1. Design its information security program to... A. Involve the Board of Directors B. Assess Risk C. Manage and Control Risk D. Oversee Service...) Aggregate information, such as the mean credit score, derived from a group of consumer reports; or (B) Blind...

12 CFR Appendix B to Part 30 - Interagency Guidelines Establishing Information Security Standards

Code of Federal Regulations, 2010 CFR

2010-01-01

... risks. C. Manage and Control Risk. Each bank shall: 1. Design its information security program to... A. Involve the Board of Directors B. Assess Risk C. Manage and Control Risk D. Oversee Service...) Aggregate information, such as the mean credit score, derived from a group of consumer reports; or (B) Blind...

12 CFR 232.1 - Scope, General Prohibition and Definitions

Code of Federal Regulations, 2010 CFR

2010-01-01

... eligibility, for credit, except as provided in this section. (c) Definitions. (1) Consumer means an individual. (2) Credit has the same meaning as in section 702 of the Equal Credit Opportunity Act, 15 U.S.C. 1691a. (3) Creditor has the same meaning as in section 702 of the Equal Credit Opportunity Act, 15 U.S.C...

Teacher's Kit for Consumer Education.

ERIC Educational Resources Information Center

Hawaii State Dept. of Education, Honolulu. Office of Instructional Services.

This curriculum guide on Consumer Education, designed for high school seniors, was developed to help students become aware of and knowledgeable about their role as consumers in today's society. The following key concepts for study are emphasized: general principles of consumer purchasing; consumer credit; general principles of fraud, quackery,…

75 FR 62718 - Disclosure for Asset-Backed Securities Required by Section 943 of the Dodd-Frank Wall Street...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-13

...Pursuant to Section 943 of the Dodd-Frank Wall Street Reform and Consumer Protection Act \\1\\ we are proposing rules related to representations and warranties in asset-backed securities offerings. Our proposals would require securitizers of asset-backed securities to disclose fulfilled and unfulfilled repurchase requests across all transactions. Our proposals would also require nationally recognized statistical rating organizations to include information regarding the representations, warranties and enforcement mechanisms available to investors in an asset-backed securities offering in any report accompanying a credit rating issued in connection with such offerings, including a preliminary credit rating. ---------------------------------------------------------------------------

12 CFR 226.55 - Limitations on increasing annual percentage rates, fees, and charges.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 226.55... required to be disclosed under § 226.6(b)(2)(ii), (b)(2)(iii), or (b)(2)(xii) on a credit card account under an open-end (not home-secured) consumer credit plan. (b) Exceptions. A card issuer may increase an...

12 CFR 226.55 - Limitations on increasing annual percentage rates, fees, and charges.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 226.55... required to be disclosed under § 226.6(b)(2)(ii), (b)(2)(iii), or (b)(2)(xii) on a credit card account under an open-end (not home-secured) consumer credit plan. (b) Exceptions. A card issuer may increase an...

25 CFR 141.45 - Consumer credit applications.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR FINANCIAL ACTIVITIES BUSINESS PRACTICES ON... credit applications. Any reservation business offering credit which is not secured by pawn shall provide... application, the lender shall act upon the application and notify the customer in writing of the decision with...

Teaching Aids in Consumer Economics, 1970-71.

ERIC Educational Resources Information Center

New York State Council on Economic Education, Albany.

The document consists of 12 consumer education units for grade 12: Consumer Purchasing; Purchasing Food, Clothing, Furniture, and Appliances; Purchasing and Maintaining an Automobile; Housing; Consumer Credit; Money Management; Fraud, Quackery, and Deception; Banking and Savings; Investments; Life Insurance; Security Programs (Social Security,…

12 CFR 1016.12 - Limits on sharing account number information for marketing purposes.

Code of Federal Regulations, 2013 CFR

2013-01-01

... encrypted form, as long as you do not provide the recipient with a means to decode the number or code. (2... reporting agency, an account number or similar form of access number or access code for a consumer's credit... similar form of access number or access code: (1) To your agent or service provider solely in order to...

12 CFR 1016.12 - Limits on sharing account number information for marketing purposes.

Code of Federal Regulations, 2014 CFR

2014-01-01

... encrypted form, as long as you do not provide the recipient with a means to decode the number or code. (2... reporting agency, an account number or similar form of access number or access code for a consumer's credit... similar form of access number or access code: (1) To your agent or service provider solely in order to...

12 CFR 573.12 - Limits on sharing account number information for marketing purposes.

Code of Federal Regulations, 2012 CFR

2012-01-01

... access number or access code, does not include a number or code in an encrypted form, as long as you do... reporting agency, an account number or similar form of access number or access code for a consumer's credit... number or access code: (1) To your agent or service provider solely in order to perform marketing for...

12 CFR 573.12 - Limits on sharing account number information for marketing purposes.

Code of Federal Regulations, 2011 CFR

2011-01-01

... access number or access code, does not include a number or code in an encrypted form, as long as you do... reporting agency, an account number or similar form of access number or access code for a consumer's credit... number or access code: (1) To your agent or service provider solely in order to perform marketing for...

12 CFR 1016.12 - Limits on sharing account number information for marketing purposes.

Code of Federal Regulations, 2012 CFR

2012-01-01

... encrypted form, as long as you do not provide the recipient with a means to decode the number or code. (2... reporting agency, an account number or similar form of access number or access code for a consumer's credit... similar form of access number or access code: (1) To your agent or service provider solely in order to...

12 CFR 40.12 - Limits on sharing account number information for marketing purposes.

Code of Federal Regulations, 2011 CFR

2011-01-01

... similar form of access number or access code, does not include a number or code in an encrypted form, as... reporting agency, an account number or similar form of access number or access code for a consumer's credit... number or access code: (1) To the bank's agent or service provider solely in order to perform marketing...

12 CFR 40.12 - Limits on sharing account number information for marketing purposes.

Code of Federal Regulations, 2014 CFR

2014-01-01

... similar form of access number or access code, does not include a number or code in an encrypted form, as... reporting agency, an account number or similar form of access number or access code for a consumer's credit... number or access code: (1) To the bank's agent or service provider solely in order to perform marketing...

12 CFR 40.12 - Limits on sharing account number information for marketing purposes.

Code of Federal Regulations, 2012 CFR

2012-01-01

... similar form of access number or access code, does not include a number or code in an encrypted form, as... reporting agency, an account number or similar form of access number or access code for a consumer's credit... number or access code: (1) To the bank's agent or service provider solely in order to perform marketing...

12 CFR 40.12 - Limits on sharing account number information for marketing purposes.

Code of Federal Regulations, 2013 CFR

2013-01-01

... similar form of access number or access code, does not include a number or code in an encrypted form, as... reporting agency, an account number or similar form of access number or access code for a consumer's credit... number or access code: (1) To the bank's agent or service provider solely in order to perform marketing...

Financial Aid at the Crossroads: Managing the Student Debt Crisis in Texas. Research Report

ERIC Educational Resources Information Center

Rice, Erin

2013-01-01

Over the last several years, the media, higher education researchers, and an increasing number of policymakers have pointed to the growing levels of individual and aggregate student loan debt in the United States. At approximately $1.2 trillion, outstanding student loans have surpassed credit cards as the second largest form of consumer debt in…

12 CFR 1022.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2014 CFR

2014-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 717.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2011 CFR

2011-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 222.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 571.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2014 CFR

2014-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 334.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 571.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2011 CFR

2011-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 1022.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 334.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2011 CFR

2011-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 41.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 571.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 41.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2011 CFR

2011-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 717.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 222.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2011 CFR

2011-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 222.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 222.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2014 CFR

2014-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 41.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2014 CFR

2014-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 41.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 334.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2014 CFR

2014-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 717.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2014 CFR

2014-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 334.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 1022.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 717.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 571.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

Consumer Education Curriculum Guide for Adults. Draft.

ERIC Educational Resources Information Center

Clemson Univ., SC. Vocational Education Media Center.

The consumer education for adults guide, part of a consumer and homemaking education unit, was developed in a curriculum workshop at Winthrop College in June 1972. It was written in reference to a norm grouping. The concepts presented are: family life cycle, life style, the consumer in the economy, spending plan, consumer credit, financing…

12 CFR 226.55 - Limitations on increasing annual percentage rates, fees, and charges.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 226.55 Limitations on... required to be disclosed under § 226.6(b)(2)(ii), (b)(2)(iii), or (b)(2)(xii) on a credit card account under an open-end (not home-secured) consumer credit plan. (b) Exceptions. A card issuer may increase an...

12 CFR 226.55 - Limitations on increasing annual percentage rates, fees, and charges.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 226.55 Limitations on... required to be disclosed under § 226.6(b)(2)(ii), (b)(2)(iii), or (b)(2)(xii) on a credit card account under an open-end (not home-secured) consumer credit plan. (b) Exceptions. A card issuer may increase an...

12 CFR 1002.16 - Enforcement, penalties and liabilities.

Code of Federal Regulations, 2013 CFR

2013-01-01

... a result of a consumer complaint, a consumer compliance examination, or some other basis) that a... Section 1002.16 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION EQUAL CREDIT OPPORTUNITY ACT..., Secretary of Transportation, and Bureau of Consumer Financial Protection. (2) Except to the extent that...

12 CFR 1002.16 - Enforcement, penalties and liabilities.

Code of Federal Regulations, 2014 CFR

2014-01-01

... a result of a consumer complaint, a consumer compliance examination, or some other basis) that a... Section 1002.16 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION EQUAL CREDIT OPPORTUNITY ACT..., Secretary of Transportation, and Bureau of Consumer Financial Protection. (2) Except to the extent that...

12 CFR 1002.16 - Enforcement, penalties and liabilities.

Code of Federal Regulations, 2012 CFR

2012-01-01

... a result of a consumer complaint, a consumer compliance examination, or some other basis) that a... Section 1002.16 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION EQUAL CREDIT OPPORTUNITY ACT..., Secretary of Transportation, and Bureau of Consumer Financial Protection. (2) Except to the extent that...

12 CFR 1026.58 - Internet posting of credit card agreements.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 9 2014-01-01 2014-01-01 false Internet posting of credit card agreements. 1026.58 Section 1026.58 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING... Students § 1026.58 Internet posting of credit card agreements. (a) Applicability. The requirements of this...

12 CFR 1026.58 - Internet posting of credit card agreements.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Internet posting of credit card agreements. 1026.58 Section 1026.58 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING... Students § 1026.58 Internet posting of credit card agreements. (a) Applicability. The requirements of this...

12 CFR 1026.58 - Internet posting of credit card agreements.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Internet posting of credit card agreements. 1026.58 Section 1026.58 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING... Students § 1026.58 Internet posting of credit card agreements. (a) Applicability. The requirements of this...

12 CFR 226.1 - Authority, purpose, coverage, organization, enforcement and liability.

Code of Federal Regulations, 2010 CFR

2010-01-01

... consumer's principal dwelling, regulates certain credit card practices, and provides a means for fair and... definition of creditor in § 226.2(a). (2) If a credit card is involved, however, certain provisions apply... than 4 installments, or if the credit card is to be used for business purposes. (3) In addition...

Credit Card Usage and Debt among College and University Students. ERIC Digest.

ERIC Educational Resources Information Center

Holub, Tamara

Since the late 1990s, lawmakers, college officials, consumer advocacy groups, and higher education practitioners have become increasingly concerned about the rising use of credit cards among college students. Some recent studies have provided information about credit card use among college students. These studies include: (1) a study conducted by…

12 CFR 226.52 - Limitations on fees.

Code of Federal Regulations, 2013 CFR

2013-01-01

... (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...) of this section, the total amount of fees a consumer is required to pay with respect to a credit card... issuer must not impose a fee for violating the terms or other requirements of a credit card account under...

12 CFR 226.52 - Limitations on fees.

Code of Federal Regulations, 2014 CFR

2014-01-01

... (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...) of this section, the total amount of fees a consumer is required to pay with respect to a credit card... issuer must not impose a fee for violating the terms or other requirements of a credit card account under...

Consumer Citizenship Curriculum Guides for Social Studies, English, Science, Mathematics.

ERIC Educational Resources Information Center

MacKenzie, Louise; Smith, Alice

These four consumer citizenship curriculum guides for social studies, English, science, and mathematics incorporate consumer education into these subject matter areas in grades 8-12. Each guide is organized around 10 main component/goals. They are basic economics in the marketplace, credit, consumer law/protection, banking skills, comparison…

12 CFR 716.4 - Initial privacy notice to consumers required.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Initial privacy notice to consumers required... CREDIT UNIONS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 716.4 Initial privacy notice to consumers required. (a) Initial notice requirement. You must provide a clear and...

The Community is Your Classroom in Consumer Education

ERIC Educational Resources Information Center

Fetterman, Elsie

1975-01-01

The article discusses a few of the consumer education resources (outside speakers, field trips, newspapers and other media, consumer organizations, credit bureaus, Federal and State agencies, and the Consumer Resource Directory) that are available to teachers in most communities and offers suggestions on how to effectively use them. (BP)

The Development and Structure of Consumer Credit in Japan

DTIC Science & Technology

1989-06-01

specializing in granting credit to their shoppers, mainly as a means of promoting sales.15 However, the biggest of these stores, the Marui chain of department...stores, has made credit into a profit-making activity of its own. In a 1980s shift in strategy, Marui was successful in reorienting its clientele from...a lower income, working class shopper to a younger, credit-using customer. In early 1988, Marui had issued 9.6 million credit cards. 16 Its annual

Monopoly money: the effect of payment coupling and form on spending behavior.

PubMed

Raghubir, Priya; Srivastava, Joydeep

2008-09-01

This article examines consumer spending as a function of payment mode both when the modes differ in terms of payment coupling (association between purchase decision and actual parting of money) and physical form as well as when the modes differ only in terms of form. Study 1 demonstrates that consumers are willing to spend more when a credit card logo is present versus absent. Study 2 shows that the credit card effect can be attenuated when people estimate their expenses using a decomposition strategy (vs. a holistic one). Noting that credit card and cash payments differ in terms of payment coupling and form, Studies 3 and 4 examine consumer spending when the payment mode differs only in physical form. Study 3 demonstrates that consumers spend more when they are spending scrip (a form of stored value certificate) versus cash of the same face value. Study 4 shows that the difference in spending across payment modes (cash and gift certificates) is attenuated by altering the salience of parting with money through contextual manipulations of the differences between cash and gift certificates. (c) 2008 APA, all rights reserved.

American Council on Consumer Interests Annual Conference (38th, Toronto, Ontario, Canada, March 25-28, 1992). Proceedings.

ERIC Educational Resources Information Center

Haldeman, Virginia A., Ed.

These proceedings contain 70 papers and summaries of panel discussions and workshops. Selected titles are as follows: "Consumer Access to Health Care" (Jones); "Credit Education for the Disadvantaged Consumer" (Schuchardt et al.); "The Jouranl of Consumer Affairs" (Herrmann et al.); "The Consumer's Role in a Changing Marketplace" (Edwards);…

31 CFR 1010.330 - Reports relating to currency in excess of $10,000 received in a trade or business.

Code of Federal Regulations, 2011 CFR

2011-07-01

... automobile is a consumer durable (whether or not it is sold for business use), but a $20,000 dump truck or a... identification card, or other official document evidencing nationality or residence. Verification of the identity... identification when cashing or accepting checks (for example, a driver's license or a credit card). In addition...

31 CFR 1010.330 - Reports relating to currency in excess of $10,000 received in a trade or business.

Code of Federal Regulations, 2012 CFR

2012-07-01

... automobile is a consumer durable (whether or not it is sold for business use), but a $20,000 dump truck or a... identification card, or other official document evidencing nationality or residence. Verification of the identity... identification when cashing or accepting checks (for example, a driver's license or a credit card). In addition...

16 CFR Appendix C to Part 698 - Model Forms for Affiliate Marketing Opt-Out Notices

Code of Federal Regulations, 2012 CFR

2012-01-01

... Notices C Appendix C to Part 698 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT MODEL FORMS AND DISCLOSURES Pt. 698, App. C Appendix C to Part 698—Model Forms for Affiliate... of opt-outs by joint consumers to comply with § 680.23(a)(2) of part 680. C-1 Model Form for Initial...

16 CFR Appendix C to Part 698 - Model Forms for Affiliate Marketing Opt-Out Notices

Code of Federal Regulations, 2014 CFR

2014-01-01

... Notices C Appendix C to Part 698 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT MODEL FORMS AND DISCLOSURES Pt. 698, App. C Appendix C to Part 698—Model Forms for Affiliate... of opt-outs by joint consumers to comply with § 680.23(a)(2) of part 680. C-1 Model Form for Initial...

16 CFR Appendix C to Part 698 - Model Forms for Affiliate Marketing Opt-Out Notices

Code of Federal Regulations, 2013 CFR

2013-01-01

... Notices C Appendix C to Part 698 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT MODEL FORMS AND DISCLOSURES Pt. 698, App. C Appendix C to Part 698—Model Forms for Affiliate... of opt-outs by joint consumers to comply with § 680.23(a)(2) of part 680. C-1 Model Form for Initial...

3 CFR 8634 - Proclamation 8634 of March 4, 2011. National Consumer Protection Week, 2011

Code of Federal Regulations, 2012 CFR

2012-01-01

..., from buying a home or car to paying off a loan or using a credit card. Consumer education is vital to... Consumer Protection Week. I call upon government officials, industry leaders, and advocates across the...

12 CFR 227.23 - Unfair acts or practices regarding allocation of payments.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Credit Card Account Practices Rule § 227.23 Unfair acts or practices regarding allocation of payments. When different annual percentage rates apply to different balances on a consumer credit card account...

The Credit Business. Instructor's Guide [and] Student Materials. Business Issues in the Classroom. Revised.

ERIC Educational Resources Information Center

Maxey, Phyllis F.; And Others

One of a series of units on business issues designed for secondary school students, this packet examines the responsibilities of the lender and consumer in the credit business. Teacher and student materials are provided in separate sections. The teacher's guide presents five detailed lesson plans, each focusing on a credit case study; discussion…

12 CFR 1026.55 - Limitations on increasing annual percentage rates, fees, and charges.

Code of Federal Regulations, 2012 CFR

2012-01-01

... PROTECTION TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...)(2)(iii), or (b)(2)(xii) on a credit card account under an open-end (not home-secured) consumer credit plan. (b) Exceptions. A card issuer may increase an annual percentage rate or a fee or charge...

12 CFR 1026.55 - Limitations on increasing annual percentage rates, fees, and charges.

Code of Federal Regulations, 2013 CFR

2013-01-01

... PROTECTION TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...)(2)(iii), or (b)(2)(xii) on a credit card account under an open-end (not home-secured) consumer credit plan. (b) Exceptions. A card issuer may increase an annual percentage rate or a fee or charge...

12 CFR 1026.55 - Limitations on increasing annual percentage rates, fees, and charges.

Code of Federal Regulations, 2014 CFR

2014-01-01

... PROTECTION TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...)(2)(iii), or (b)(2)(xii) on a credit card account under an open-end (not home-secured) consumer credit plan. (b) Exceptions. A card issuer may increase an annual percentage rate or a fee or charge...

12 CFR 609.915 - Compliance with Federal Reserve Board Regulations B, M, and Z.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Regulations B, M, and Z. 609.915 Section 609.915 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ELECTRONIC COMMERCE General Rules § 609.915 Compliance with Federal Reserve Board Regulations B, M... (Equal Credit Opportunity), M (Consumer Leasing), and Z (Truth in Lending) (12 CFR parts 202, 213, and...

12 CFR 609.915 - Compliance with Federal Reserve Board Regulations B, M, and Z.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Regulations B, M, and Z. 609.915 Section 609.915 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ELECTRONIC COMMERCE General Rules § 609.915 Compliance with Federal Reserve Board Regulations B, M... (Equal Credit Opportunity), M (Consumer Leasing), and Z (Truth in Lending) (12 CFR parts 202, 213, and...

75 FR 21955 - Semiannual Regulatory Agenda

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-26

... only the minimum required burdens on credit unions, consumers, and the public; are appropriate for the... Administration--Completed Actions Regulation Sequence Title Identifier Number Number 412 Privacy of Consumer... Actions 412. PRIVACY OF CONSUMER FINANCIAL INFORMATION Legal Authority: 15 USC 6801 et seq Abstract: NCUA...

Kiddie Credit Cards. Hearing before the Subcommittee on Consumer Credit and Insurance of the Committee on Banking, Finance and Urban Affairs. House of Representatives, One Hundred Third Congress, Second Session (March 10, 1994).

ERIC Educational Resources Information Center

Congress of the U.S., Washington, DC. House Committee on Banking, Finance and Urban Affairs.

This hearing transcript presents testimony and discussion of a congressional committee on the marketing of credit cards to high school and college students and the consequences of that activity. Chairman Joseph P. Kennedy opened the hearing with a statement describing aggressive credit marketing to this population and some of his concerns. Ruth…

Credit use: psychological perspectives on a multifaceted phenomenon.

PubMed

Kamleitner, Bernadette; Hoelzl, Erik; Kirchler, Erich

2012-01-01

Consumer borrowing is a highly topical and multifaceted phenomenon as well as a popular subject for study. We focus on consumer credit use and review the existing literature. To categorize what is known we identify four main psychological perspectives on the phenomenon: credit use as (1) a reflection of the situation, (2) a reflection of the person, (3) a cognitive process, and (4) a social process. On top of these perspectives we view credit use as a process that entails three distinct phases: (1) processes before credit acquisition, (2) processes at credit acquisition, and (3) processes after credit acquisition. We review the international literature along a two-tier structure that aligns the psychological perspectives with a process view of credit. This structure allows us to identify systematic concentrations as well as gaps in the existing research. We consolidate what is known within each perspective and identify what seems to be most urgently missing. Some of the most important gaps relate to research studying credit acquisition from the perspective of credit use as a reflection of the person or as a social process. In particular, research on credit use as a reflection of the person appears to focus exclusively on the first stage of the credit process. We conclude with a discussion that reaches across perspectives and identifies overarching gaps, trends, and open questions. We highlight a series of implicit linkages between perspectives and the geographical regions in which studies related to the perspectives were conducted. Beyond diagnosing a geographical imbalance of research, we argue for future research that systematically addresses interrelations between perspectives. We conclude with a set of global implications and research recommendations.

12 CFR Appendix C to Part 717 - Model Forms for Opt-Out Notices

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Model Forms for Opt-Out Notices C Appendix C to... FAIR CREDIT REPORTING Pt. 717, App. C Appendix C to Part 717—Model Forms for Opt-Out Notices a... the treatment of opt-outs by joint consumers to comply with § 717.23(a)(2) of this part. C-1Model Form...

12 CFR Appendix C to Part 222 - Model Forms for Opt-Out Notices

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Model Forms for Opt-Out Notices C Appendix C to... SYSTEM FAIR CREDIT REPORTING (REGULATION V) Pt. 222, App. C Appendix C to Part 222—Model Forms for Opt... of opt-outs by joint consumers to comply with § 222.23(a)(2) of this part. C-1Model Form for Initial...

12 CFR Appendix C to Part 717 - Model Forms for Opt-Out Notices

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Model Forms for Opt-Out Notices C Appendix C to... FAIR CREDIT REPORTING Pt. 717, App. C Appendix C to Part 717—Model Forms for Opt-Out Notices a... the treatment of opt-outs by joint consumers to comply with § 717.23(a)(2) of this part. C-1Model Form...

12 CFR 609.950 - Electronic communications.

Code of Federal Regulations, 2012 CFR

2012-01-01

... with E-SIGN, System institutions may communicate electronically in business, consumer, or commercial transactions. E-commerce transactions require the agreement of all parties when you do business. (b....950 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ELECTRONIC COMMERCE General...

12 CFR 609.950 - Electronic communications.

Code of Federal Regulations, 2014 CFR

2014-01-01

... with E-SIGN, System institutions may communicate electronically in business, consumer, or commercial transactions. E-commerce transactions require the agreement of all parties when you do business. (b....950 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ELECTRONIC COMMERCE General...

12 CFR 609.950 - Electronic communications.

Code of Federal Regulations, 2011 CFR

2011-01-01

... with E-SIGN, System institutions may communicate electronically in business, consumer, or commercial transactions. E-commerce transactions require the agreement of all parties when you do business. (b....950 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ELECTRONIC COMMERCE General...

12 CFR 609.950 - Electronic communications.

Code of Federal Regulations, 2010 CFR

2010-01-01

... with E-SIGN, System institutions may communicate electronically in business, consumer, or commercial transactions. E-commerce transactions require the agreement of all parties when you do business. (b....950 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ELECTRONIC COMMERCE General...

12 CFR 609.950 - Electronic communications.

Code of Federal Regulations, 2013 CFR

2013-01-01

... with E-SIGN, System institutions may communicate electronically in business, consumer, or commercial transactions. E-commerce transactions require the agreement of all parties when you do business. (b....950 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ELECTRONIC COMMERCE General...

Symptoms of another life: time, possibility, and domestic relations in Chile's credit economy.

PubMed

Han, Clara

2011-01-01

In this article, I explore the synergy and disjunctures of the consumer credit system and care for the mentally ill and addicted in the lifeworlds of the urban poor in Santiago, Chile. In Chile, the expansion of the credit system has had a double-edged effect on the poor. Although it produces perpetual indebtedness, it also is a resource amid unstable labor. Following an extended family over several years, this article examines how women take up credit through a wider field of domestic relations and institutions to care for kin with mental illness and addiction within the home. Such gestures of care enact a temporality of waiting, allowing different, but unpredictable, aspects of others to emerge. Through longitudinal ethnographic research with this family, I demonstrate both how possibility is actualized within the home as symptoms of illness and forms of domestic violence, and how a wider network of dependencies—from neighbors to lending institutions—shapes the temporality of relations within the home. Such a study of care in relation to the credit economy may offer other analytic perspectives on discourses of individualism, consumerism, and cost-effectiveness accompanying the expansion of consumer credit as they are absorbed into the everyday.

SYMPTOMS OF ANOTHER LIFE: Time, Possibility, and Domestic Relations in Chile’s Credit Economy

PubMed Central

HAN, CLARA

2011-01-01

In this article, I explore the synergy and disjunctures of the consumer credit system and care for the mentally ill and addicted in the lifeworlds of the urban poor in Santiago, Chile. In Chile, the expansion of the credit system has had a double-edged effect on the poor. Although it produces perpetual indebtedness, it also is a resource amid unstable labor. Following an extended family over several years, this article examines how women take up credit through a wider field of domestic relations and institutions to care for kin with mental illness and addiction within the home. Such gestures of care enact a temporality of waiting, allowing different, but unpredictable, aspects of others to emerge. Through longitudinal ethnographic research with this family, I demonstrate both how possibility is actualized within the home as symptoms of illness and forms of domestic violence, and how a wider network of dependencies—from neighbors to lending institutions—shapes the temporality of relations within the home. Such a study of care in relation to the credit economy may offer other analytic perspectives on discourses of individualism, consumerism, and cost-effectiveness accompanying the expansion of consumer credit as they are absorbed into the everyday. PMID:21510328

An Annotated Bibliography for Consumer and Homemaking Education.

ERIC Educational Resources Information Center

Illinois State Board of Vocational Education and Rehabilitation, Springfield. Div. of Vocational and Technical Education.

The materials reviewed for the bibliography may be useful for secondary schools, postsecondary institutions, and adult groups. Listings are offered under seven headings: comprehensive references; the individual consumer in the marketplace and in society; money management; consumer credit; buying goods and services (subdivided into housing; foods;…

The Economic Consequences of Hospital Admissions

PubMed Central

Dobkin, Carlos; Finkelstein, Amy; Kluender, Raymond; Notowidigdo, Matthew J.

2017-01-01

We use an event study approach to examine the economic consequences of hospital admissions for adults in two datasets: survey data from the Health and Retirement Study, and hospitalization data linked to credit reports. For non-elderly adults with health insurance, hospital admissions increase out-of-pocket medical spending, unpaid medical bills and bankruptcy, and reduce earnings, income, access to credit and consumer borrowing. The earnings decline is substantial compared to the out-of-pocket spending increase, and is minimally insured prior to age-eligibility for Social Security Retirement Income. Relative to the insured non-elderly, the uninsured non-elderly experience much larger increases in unpaid medical bills and bankruptcy rates following a hospital admission. Hospital admissions trigger less than 5 percent of all bankruptcies. PMID:29445246

12 CFR 213.1 - Authority, scope, purpose, and enforcement.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Reserve System to implement the consumer leasing provisions of the Truth in Lending Act, which is Title I of the Consumer Credit Protection Act, as amended (15 U.S.C. 1601 et seq.). Information collection... SYSTEM CONSUMER LEASING (REGULATION M) § 213.1 Authority, scope, purpose, and enforcement. (a) Authority...

12 CFR 205.2 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... device means a card, code, or other means of access to a consumer's account, or any combination thereof... of the consumer's wages, salary, or other employee compensation (such as commissions), are made on a... agreement. (c) Act means the Electronic Fund Transfer Act (title IX of the Consumer Credit Protection Act...

Selected Audio-Visual Materials for Consumer Education.

ERIC Educational Resources Information Center

Oppenheim, Irene

This monograph provides an annotated listing of suggested audiovisual materials which teachers should consider as they plan consumer education programs. The materials are divided into a general section on consumer education and a section on specific topics, such as credit, decision making, health, insurance, money management, and others. The…

12 CFR 226.23 - Right of rescission.

Code of Federal Regulations, 2010 CFR

2010-01-01

... TRUTH IN LENDING (REGULATION Z) Closed-End Credit § 226.23 Right of rescission. (a) Consumer's right to... consumer's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind the transaction, except for transactions described in paragraph (f...

Consumer Education (A High School One Semester Course).

ERIC Educational Resources Information Center

Hawaii State Dept. of Education, Honolulu. Office of Instructional Services.

Designed for a one-semester high school social studies elective course, this curriculum guide uses a multidisciplinary approach to teach consumer education. Eight units of study cover the marketplace, consumer protection, decision making, money management, credit and taxes, basic necessities, housing, and future security. Within each unit, an…

State and Local Consumer Publications. A Bibliography.

ERIC Educational Resources Information Center

Office of Consumer Affairs, Washington, DC.

This bibliography, designed primarily for state and local consumer offices, includes 650 publications on a wide range of consumer affairs subjects. Topics include advertising, appliance purchase and repair, automobiles, how and where to complain, contracts, credit and banking, fraud, door-to-door sales, energy and utilities, financial planning and…

Information for Consumers.

ERIC Educational Resources Information Center

Credit Union National Association, Inc., Madison, WI.

This revised pamphlet was developed by a national association of credit unions for the purpose of directing consumer complaints to appropriate agencies or heads of agencies for action. Suggestions to aid the consumer are included, such as trying to solve problems at the local level before complaining to top officials. Addresses and phone numbers…

A La Buena: Living Better. Bilingual Adult Proficiency Level Materials for Everyday Living.

ERIC Educational Resources Information Center

Smith, Philip D., Jr.; And Others

These bilingual English/Spanish Adult Proficiency Materials comprise three adult education courses in these areas: consumer education, health, and nutrition. Part 1, Consumer Education, covers these topics: money management, credit, frauds, consumer complaints, housing, utility bills, saving energy, banking, insurance (car, health, life), buying a…

American Council on Consumer Interests Annual Conference (43rd, Salt Lake City, Utah, April 2-5, 1997).

ERIC Educational Resources Information Center

Leech, Irene E., Ed.

1997-01-01

This annual publication contains 66 presentations, poster sessions, papers, and panel and workshop sessions. Invited and refereed papers are as follows: "View from the States" (Humphrey); "Consumer Policy Perspectives" (Byrne); "Consumers' Response to Credit Card Solicitations" (Hogarth, Shue); "Welfare Impact of…

Credit Risk Evaluation of Large Power Consumers Considering Power Market Transaction

NASA Astrophysics Data System (ADS)

Fulin, Li; Erfeng, Xu; ke, Sun; Dunnan, Liu; Shuyi, Shen

2018-03-01

Large power users will participate in power market in various forms after power system reform. Meanwhile, great importance has always attached to the construction of the credit system in power industry. Due to the difference between the awareness of performance and the ability to perform, credit risk of power customer will emerge accordingly. Therefore, it is critical to evaluate credit risk of large power customers in the new situation of power market. Firstly, this paper constructs index system of credit risk of large power customers, and establishes evaluation model of interval number and AHP-entropy weight method.

12 CFR 226.10 - Prompt crediting of payments.

Code of Federal Regulations, 2010 CFR

2010-01-01

... during the next billing cycle. Effective Date Note: At 74 FR 5415, Jan. 29, 2009, § 226.10 was revised... consumer's account during the next billing cycle. (d) Crediting of payments when creditor does not receive... business day as late for any purpose. ...

Consumer Financial Protection Commission Act of 2013

THOMAS, 113th Congress

Rep. Duffy, Sean P. [R-WI-7

2013-06-17

House - 10/29/2013 Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Bureau of Consumer Financial Protection Accountability Act

THOMAS, 113th Congress

Rep. Posey, Bill [R-FL-8

2013-02-01

House - 10/29/2013 Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

12 CFR 202.16 - Enforcement, penalties and liabilities.

Code of Federal Regulations, 2011 CFR

2011-01-01

... the National Credit Union Administration has reason to believe (as a result of a consumer complaint, a consumer compliance examination, or some other basis) that a violation of the Act or this regulation has...

12 CFR 202.16 - Enforcement, penalties and liabilities.

Code of Federal Regulations, 2012 CFR

2012-01-01

... the National Credit Union Administration has reason to believe (as a result of a consumer complaint, a consumer compliance examination, or some other basis) that a violation of the Act or this regulation has...

12 CFR 202.16 - Enforcement, penalties and liabilities.

Code of Federal Regulations, 2013 CFR

2013-01-01

... the National Credit Union Administration has reason to believe (as a result of a consumer complaint, a consumer compliance examination, or some other basis) that a violation of the Act or this regulation has...

78 FR 6407 - Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-30

...The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z, which implements the Truth in Lending Act (TILA). Regulation Z currently prohibits a creditor from making a higher-priced mortgage loan without regard to the consumer's ability to repay the loan. The final rule implements sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), which generally require creditors to make a reasonable, good faith determination of a consumer's ability to repay any consumer credit transaction secured by a dwelling (excluding an open-end credit plan, timeshare plan, reverse mortgage, or temporary loan) and establishes certain protections from liability under this requirement for ``qualified mortgages.'' The final rule also implements section 1414 of the Dodd-Frank Act, which limits prepayment penalties. Finally, the final rule requires creditors to retain evidence of compliance with the rule for three years after a covered loan is consummated.

Consumer credit card use: the roles of creditor disclosure and anticipated emotion.

PubMed

Wiener, Richard L; Holtje, Michael; Winter, Ryan J; Cantone, Jason A; Gross, Karen; Block-Lieb, Susan

2007-03-01

In response to federal legislative reform aimed, in part, at reducing consumer bankruptcy filings, the authors conducted 2 experiments examining the role of affect in purchasing behavior. In Experiment 1, they examined consumer debtors, and in Experiment 2, they examined nondebtors. In both experiments, they investigated purchasing decisions made during a simulated online shopping trip, with some participants receiving standard disclosures of interest rates and money owed and with other participants receiving information under the new enhanced disclosure regulations. Results demonstrated support for the influence of anticipated affect in credit card use among both debtors and nondebtors and indicated that anticipated emotion may moderate the impact of the enhanced disclosure regulations. ((c) 2007 APA, all rights reserved).

The Need for Consumer Education among Indians.

ERIC Educational Resources Information Center

Deloria, P. S.

Since the standard approach to consumer education is based upon the economic situation of the average American and since the degree of American Indian reservation poverty is substantially greater than that of other groups, it is clear that there is a need for Indian oriented consumer education. Based upon a long established credit system.,…

Consumer Credit Card Use: The Roles of Creditor Disclosure and Anticipated Emotion

ERIC Educational Resources Information Center

Wiener, Richard L.; Holtje, Michael; Winter, Ryan J.; Cantone, Jason A.; Gross, Karen; Block-Lieb, Susan

2007-01-01

In response to federal legislative reform aimed, in part, at reducing consumer bankruptcy filings, the authors conducted 2 experiments examining the role of affect in purchasing behavior. In Experiment 1, they examined consumer debtors, and in Experiment 2, they examined nondebtors. In both experiments, they investigated purchasing decisions made…

Student Consumer Knowledge: Results of a Nationwide Test.

ERIC Educational Resources Information Center

Brobeck, Stephen

A nationwide test of consumer knowledge of high school students conducted in 1991 found that seniors are unprepared for critical purchasing decisions needed after they graduate. Random samples of the population, 428 high school seniors, were asked 250 questions about a range of consumer subjects such as credit, checking/saving accounts, auto…

The Wellbeing of Financial Counselors: A Study of Work Stress and Job Satisfaction

ERIC Educational Resources Information Center

Griffiths, Margaret F.; Baxter, Stacey M.; Townley-Jones, Maureen E.

2011-01-01

The valuable social and economic contribution of financial counselors receives little public attention, as discourse related to consumer credit and debt invariably focuses on the impacts of consumer defaults for consumers and the broader community. Policy makers and organizations sustaining the work of financial counselors must ensure they care…

Consumer Credit Access, Innovation, and Modernization Act

THOMAS, 113th Congress

Rep. Luetkemeyer, Blaine [R-MO-3

2013-04-15

Senate - 03/26/2014 Committee on Banking, Housing, and Urban Affairs Subcommittee on Financial Institutions and Consumer Protection. Hearings held. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Bureau of Consumer Financial Protection Accountability Act of 2013

THOMAS, 113th Congress

Rep. Duffy, Sean P. [R-WI-7

2013-09-26

House - 10/29/2013 Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

12 CFR 716.7 - Form of opt out notice to consumers and opt out methods.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Form of opt out notice to consumers and opt out... CREDIT UNIONS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 716.7 Form of opt out notice to consumers and opt out methods. (a)(1) Form of opt out notice. If you are required to...

12 CFR 716.7 - Form of opt out notice to consumers and opt out methods.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Form of opt out notice to consumers and opt out... CREDIT UNIONS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 716.7 Form of opt out notice to consumers and opt out methods. (a)(1) Form of opt out notice. If you are required to...

12 CFR 716.7 - Form of opt out notice to consumers and opt out methods.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Form of opt out notice to consumers and opt out... CREDIT UNIONS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 716.7 Form of opt out notice to consumers and opt out methods. (a)(1) Form of opt out notice. If you are required to...

29 CFR 19.1 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-07-01

...: (a) Financial institution means any office of a bank, savings bank, card issuer as defined in section 103 of the Consumer Credit Protection Act (15 U.S.C. 1602(n)), industrial loan company, trust company, savings and loan, building and loan, or homestead association (including cooperative banks), credit union...

Consumer Competency Means High School Diploma in Omaha School

ERIC Educational Resources Information Center

Carlock, LaNeta L.

1977-01-01

Westside High School in Omaha, Nebraska, developed a series of minimum competencies in seven areas as standards for their graduates. One of the seven areas, consumerism, covers money management, credit, insurance, taxes, buying decisions, and consumer protection. (BM)

Consumer Education Resources Catalog. 16mm Films, Multi Media Kits, Video Cassettes, Simulations & Games, Printed Material.

ERIC Educational Resources Information Center

Jones, Sandra; Bannister, Rosella

This catalog lists teaching-learning resources available for preview at the Michigan Consumer Education Center. A subject index to multi-media identifies titles of films, video casettes, multi-media kits, and games under seven specific subjects. These are (1) Factors Affecting Consumer Behavior, (2) Money Management and Credit, (3) Buying and…

Money Management and the Consumer, Credit: "Ch . a . r . ge!".

ERIC Educational Resources Information Center

Florida State Dept. of Education, Tallahassee. Div. of Elementary and Secondary Education.

This unit, one of a series of six Project SCAT (Skills for Consumer Applied Today) units, is designed to help senior high school students develop consumer education skills. For a description of the specific objectives and format of the units, see SO 013 467. This document provides teaching methods, learning activities, and student booklet for a…

32 CFR Appendix A to Part 231 - Sample Operating Agreement

Code of Federal Regulations, 2012 CFR

2012-07-01

... reasonable local command requests for lectures and printed materials to support consumer credit education... and outdoor maintenance (such as grass cutting and snow removal) on a reimbursable basis. c. DoD housing and minor dependent education in overseas locations for military banking facility (MBF) and credit...

32 CFR Appendix A to Part 231 - Sample Operating Agreement

Code of Federal Regulations, 2014 CFR

2014-07-01

... reasonable local command requests for lectures and printed materials to support consumer credit education... and outdoor maintenance (such as grass cutting and snow removal) on a reimbursable basis. c. DoD housing and minor dependent education in overseas locations for military banking facility (MBF) and credit...

32 CFR Appendix A to Part 231 - Sample Operating Agreement

Code of Federal Regulations, 2013 CFR

2013-07-01

... reasonable local command requests for lectures and printed materials to support consumer credit education... and outdoor maintenance (such as grass cutting and snow removal) on a reimbursable basis. c. DoD housing and minor dependent education in overseas locations for military banking facility (MBF) and credit...

12 CFR 535.11 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... apply: (a) Consumer means a natural person who seeks or acquires goods, services, or money for personal... credit cards. It also includes loans secured by liens on real estate and chattel liens secured by mobile... credit standing of the borrower, guaranties, or security other than the real estate or mobile home, as...

12 CFR 535.11 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... apply: (a) Consumer means a natural person who seeks or acquires goods, services, or money for personal... credit cards. It also includes loans secured by liens on real estate and chattel liens secured by mobile... credit standing of the borrower, guaranties, or security other than the real estate or mobile home, as...

12 CFR 535.11 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... apply: (a) Consumer means a natural person who seeks or acquires goods, services, or money for personal... credit cards. It also includes loans secured by liens on real estate and chattel liens secured by mobile... credit standing of the borrower, guaranties, or security other than the real estate or mobile home, as...

12 CFR 535.11 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... apply: (a) Consumer means a natural person who seeks or acquires goods, services, or money for personal... credit cards. It also includes loans secured by liens on real estate and chattel liens secured by mobile... credit standing of the borrower, guaranties, or security other than the real estate or mobile home, as...

12 CFR 741.8 - Purchase of assets and assumption of liabilities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... banks, consumer finance companies, insurance companies, loan brokers, and other loan sellers or... corporate credit union seeking approval under paragraph (a) of this section must submit a letter to the Office of Corporate Credit Unions. The letter must request approval and state the nature of the...

Buy Now, Pay Later? Teacher's Guide [and] Student Materials.

ERIC Educational Resources Information Center

Estes, Cynthia

This consumer education capsule focuses on credit financing, with emphasis on the rights and responsibilities of using credit. It is intended for use in conjunction with seventh or eighth grade mathematics textbooks when teaching computation of simple interest. Activities require from four to six hours of instructional time. Specific objectives…

Home Economics/Social Studies Cross-Credit Curriculum.

ERIC Educational Resources Information Center

Bellino, Claire; And Others

This curriculum guide outlines two one-semester home economics courses that students can take to fulfill requirements in social studies or vocational education. The courses, Money and Your Future and Consumer Skills, contain the academic competencies from the Connecticut Common Core of Learning required for credit in social studies. The curriculum…

12 CFR 716.8 - Revised privacy notices.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Revised privacy notices. 716.8 Section 716.8 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 716.8 Revised privacy notices. (a) General...

12 CFR 716.8 - Revised privacy notices.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Revised privacy notices. 716.8 Section 716.8 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 716.8 Revised privacy notices. (a) General...

12 CFR 716.8 - Revised privacy notices.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Revised privacy notices. 716.8 Section 716.8 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 716.8 Revised privacy notices. (a) General...

12 CFR 716.8 - Revised privacy notices.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Revised privacy notices. 716.8 Section 716.8 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 716.8 Revised privacy notices. (a) General...

12 CFR 535.1 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY PROHIBITED CONSUMER CREDIT PRACTICES (Eff... seeks or acquires goods, services, or money for personal, family, or household purposes, and who applies..., appliances, linens, china, crockery, kitchenware, and personal effects of the consumer and his or her...

Expanding access and choice for health care consumers through tax reform.

PubMed

Butler, S; Kendall, D B

1999-01-01

A refundable tax credit for the uninsured would complement the existing job-based health insurance system while letting people keep their job-based coverage if they wish. Among the wide variety of design options for a tax credit, policy and political analysis does not reveal an obvious choice, but a tax credit based on a percentage of spending may have a slight advantage. Congress should give states maximum flexibility to use existing funding sources to supplement the value of a federal tax credit and encourage the use of techniques to create stable insurance pools.

Modify Federal Tax Code to Create Incentives for Individuals to Obtain Coverage.

PubMed

McGlynn, Elizabeth A

2011-01-01

This article explores how a refundable tax credit to offset the cost of health insurance premiums would affect health system performance along nine dimensions. A refundable tax credit would produce a slight gain in health as measured by life expectancy; 2.3 to 10 million people would become newly insured under this policy change. It is uncertain how the policy would affect waste or patient experience. Refundable tax credits would have no discernable effect on total health care spending, overall consumer financial risk, reliability of care, or health system capacity. Implementing refundable tax credits would be relatively easy.

49 CFR 375.401 - Must I estimate charges?

Code of Federal Regulations, 2010 CFR

2010-10-01

... to, cash, a certified check, a money order, a cashier s check, a specific charge card such as American ExpressTM, a specific credit card such as VisaTM, or your credit as allowed by § 375.807. (d) For... GOODS IN INTERSTATE COMMERCE; CONSUMER PROTECTION REGULATIONS Estimating Charges § 375.401 Must I...

38 CFR 36.4340 - Underwriting standards, processing procedures, lender responsibility, and lender certification.

Code of Federal Regulations, 2013 CFR

2013-07-01

... equity in refinancing loans; (vii) Little or no increase in shelter expense; (viii) Military benefits...; (xii) Tax credits of a continuing nature, such as tax credits for child care; and (xiii) Tax benefits... supplied in the Consumer Expenditure Survey (CES) published by the Department of Labor's Bureau of Labor...

38 CFR 36.4340 - Underwriting standards, processing procedures, lender responsibility, and lender certification.

Code of Federal Regulations, 2011 CFR

2011-07-01

... equity in refinancing loans; (vii) Little or no increase in shelter expense; (viii) Military benefits...; (xii) Tax credits of a continuing nature, such as tax credits for child care; and (xiii) Tax benefits... supplied in the Consumer Expenditure Survey (CES) published by the Department of Labor's Bureau of Labor...

38 CFR 36.4340 - Underwriting standards, processing procedures, lender responsibility, and lender certification.

Code of Federal Regulations, 2012 CFR

2012-07-01

... equity in refinancing loans; (vii) Little or no increase in shelter expense; (viii) Military benefits...; (xii) Tax credits of a continuing nature, such as tax credits for child care; and (xiii) Tax benefits... supplied in the Consumer Expenditure Survey (CES) published by the Department of Labor's Bureau of Labor...

12 CFR 563e.12 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... with § 563e.41. (d) Automated teller machine (ATM) means an automated, unstaffed banking facility owned... include the following categories of loans: (1) Motor vehicle loan, which is a consumer loan extended for the purchase of and secured by a motor vehicle; (2) Credit card loan, which is a line of credit for...

12 CFR 563e.12 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... with § 563e.41. (d) Automated teller machine (ATM) means an automated, unstaffed banking facility owned... include the following categories of loans: (1) Motor vehicle loan, which is a consumer loan extended for the purchase of and secured by a motor vehicle; (2) Credit card loan, which is a line of credit for...

12 CFR 563e.12 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... with § 563e.41. (d) Automated teller machine (ATM) means an automated, unstaffed banking facility owned... include the following categories of loans: (1) Motor vehicle loan, which is a consumer loan extended for the purchase of and secured by a motor vehicle; (2) Credit card loan, which is a line of credit for...

Community Colleges and the Business of Workforce Development. Occasional Paper.

ERIC Educational Resources Information Center

Pindar, SaraLee

This paper highlights New Jersey's community colleges and their efforts to respond to market and consumer needs. Since one-third of the average New Jersey community college operating budget is paid by credit and non-credit students and clients, the colleges must approach their business like private sector enterprises, performing market research…

12 CFR 717.20 - Coverage and definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

...-existing business relationship. (i) In general. The term “pre-existing business relationship” means a... by this subpart. (ii) Examples of pre-existing business relationships. (A) If a consumer has a time... federal credit union has a pre-existing business relationship with the consumer and can use eligibility...

12 CFR 717.20 - Coverage and definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

...-existing business relationship. (i) In general. The term “pre-existing business relationship” means a... by this subpart. (ii) Examples of pre-existing business relationships. (A) If a consumer has a time... federal credit union has a pre-existing business relationship with the consumer and can use eligibility...

12 CFR 717.20 - Coverage and definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

...-existing business relationship. (i) In general. The term “pre-existing business relationship” means a... by this subpart. (ii) Examples of pre-existing business relationships. (A) If a consumer has a time... federal credit union has a pre-existing business relationship with the consumer and can use eligibility...

12 CFR 190.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... be made on the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. ...

12 CFR 190.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... be made on the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. ...

12 CFR 190.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... be made on the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. ...

12 CFR 226.34 - Prohibited acts or practices in connection with credit subject to § 226.32.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Prohibited acts or practices in connection with... Certain Home Mortgage Transactions § 226.34 Prohibited acts or practices in connection with credit subject... consumer's current and reasonably expected income, employment, assets other than the collateral, current...

76 FR 78130 - Mortgage Acts and Practices-Advertising (Regulation N); Mortgage Assistance Relief Services...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-16

... availability, nature, or substance of counseling services or any other expert advice offered to the consumer... offering the services or advice. Sec. 1014.4 Waiver not permitted. It is a violation of this part for any... services (such as credit insurance or credit disability insurance) that are or may be offered or provided...

12 CFR 226.26 - Use of annual percentage rate in oral disclosures.

Code of Federal Regulations, 2010 CFR

2010-01-01

... for a sample transaction shall be stated, and other cost information for the consumer's specific... the cost of open-end credit, only the annual percentage rate or rates shall be stated, except that the... shall be stated, and other cost information may be given. (b) Closed-end credit. In an oral response to...

Do Vouchers and Tax Credits Increase Private School Regulation? A Statistical Analysis

ERIC Educational Resources Information Center

Coulson, Andrew J.

2011-01-01

School voucher and education tax credit programs have proliferated in the United States over the past 2 decades. Advocates have argued that they will enable families to become active consumers in a free and competitive education marketplace, but some fear that these programs may bring a heavy regulatory burden that could stifle market forces.…

Analyzing The Impacts of the Biogas-to-Electricity Purchase Incentives on Electric Vehicle Deployment with the MA3T Vehicle Choice Model

DOE Office of Scientific and Technical Information (OSTI.GOV)

Podkaminer, Kara; Xie, Fei; Lin, Zhenhong

This analysis represents the biogas-to-electricity pathway under the Renewable Fuel Standard (RFS) as a point of purchase incentive and tests the impact of this incentive on EV deployment using a vehicle consumer choice model. The credit value generated under this policy was calculated in a number of scenarios based on electricity use of each power train choice on a yearly basis over the 15 year vehicle lifetime, accounting for the average electric vehicle miles travelled and vehicle efficiency, competition for biogas-derived electricity among electric vehicles (EVs), the RIN equivalence value and the time value of money. The credit value calculationmore » in each of these scenarios is offered upfront as a point of purchase incentive for EVs using the Market Acceptance of Advanced Automotive Technologies (MA3T) vehicle choice model, which tracks sales, fleet size and energy use over time. The majority of the scenarios use a proposed RIN equivalence value, which increases the credit value as a way to explore the analysis space. Additional model runs show the relative impact of the equivalence value on EV deployment. The MA3T model output shows that a consumer incentive accelerates the deployment of EVs for all scenarios relative to the baseline (no policy) case. In the scenario modeled to represent the current biogas-to-electricity generation capacity (15 TWh/year) with a 5.24kWh/RIN equivalence value, the policy leads to an additional 1.4 million plug-in hybrid electric vehicles (PHEVs) and 3.5 million battery electric vehicles (BEVs) in 2025 beyond the no-policy case of 1.3 million PHEVs and 2.1 million BEVs when the full value of the credit is passed on to the consumer. In 2030, this increases to 2.4 million PHEVs and 7.3 million BEVs beyond the baseline. This larger impact on BEVs relative to PHEVs is due in part to the larger credit that BEVs receive in the model based on the greater percentage of electric vehicle miles traveled by BEVs relative to PHEVs. In this scenario 2025 also represents the last year in which biogas-derived electricity is able to fully supply the transportation electricity demand in the model. After 2025, the credit value declines on a per vehicle basis. At the same time a larger fraction of the credit may shift towards biogas producers in order to incent additional biogas production. The expanded 41 TWh/year biogas availability scenarios represent an increase beyond today s generation capacity and allow greater eRIN generation. With a 5.24kWh/RIN equivalence value, when all of the credit is directed towards reducing vehicle purchase prices, the 41 TWh/year biogas scenario results in 4.1 million additional PHEVs and 12.2 million additional BEVs on the road in 2030 beyond the baseline of 2.5 million PHEVs and 6.1 million BEVs. Under this expanded biogas capacity, biogas-derived electricity generation is able to fully supply electricity for a fleet of over 21 million EVs (15.6 million BEVs and 5.8 million PHEVs) on a yearly basis. In addition to assessing the full value credit scenarios described above, multiple scenarios were analyzed to determine the impact if only a fraction of the credit value was passed on to the consumer. In all of these cases, the EV deployment was scaled back as the fraction of the credit that was passed on to the consumer was reduced. These scenarios can be used to estimate the impact if the credit value is reduced in other ways as well, as demonstrated by the scenarios where the current (22.6 kWh/RIN) equivalence value was used. The EV deployment that results from an equivalence value of 22.6 kWh/RIN equivalence value is roughly equivalent to the EV deployment observed in the 25% case using the 5.24 kWh/RIN equivalence value. A higher equivalence value means that a smaller number of credits, and therefore value, is created for each kWh, and therefore the impact on EV deployment is reduced. This analysis shows several of the drivers that will impact eRIN generation and credit value, and tests the impact of an eRIN point of purchase incentive on EV deployment. This additional incentive can accelerate the deployment of EVs when it is used to reduce vehicle purchase prices. However, the ultimate impact of this policy, as modeled here, will be determined by future RIN prices, the extent to which eRIN credit value can be passed on to the consumer as a point of purchase incentive and the equivalence value.« less

Connectedness between US industry level credit markets and determinants

NASA Astrophysics Data System (ADS)

Shahzad, Syed Jawad Hussain; Kayani, Ghulam Mujtaba; Raza, Syed Ali; Shah, Nida; Al-Yahyaee, Khamis H.

2018-02-01

We examine the connectedness between US industry-level credit markets, using both Credit Default Spread (CDS) changes and volatilities, over the period from December 17, 2007, to November 13, 2015. The total, net directional and pairwise spillovers are estimated based on the generalized VAR framework developed by Diebold and Yilmaz (2012). The empirical analysis shows strong interactions for CDS spread change and volatility among all ten industries. Consumer Services and Basic Materials are the significant risk transmitters. Economic policy uncertainty and different market volatilities significantly determine credit market risk spillovers which also increase during market turbulence situations indicating a possible contagion effect. Implications of the findings are discussed.

Modify Federal Tax Code to Create Incentives for Individuals to Obtain Coverage

PubMed Central

McGlynn, Elizabeth A.

2011-01-01

Abstract This article explores how a refundable tax credit to offset the cost of health insurance premiums would affect health system performance along nine dimensions. A refundable tax credit would produce a slight gain in health as measured by life expectancy; 2.3 to 10 million people would become newly insured under this policy change. It is uncertain how the policy would affect waste or patient experience. Refundable tax credits would have no discernable effect on total health care spending, overall consumer financial risk, reliability of care, or health system capacity. Implementing refundable tax credits would be relatively easy. PMID:28083204

32 CFR 232.7 - Preemption.

Code of Federal Regulations, 2010 CFR

2010-07-01

... protection to a covered borrower greater than those protections provided by 10 U.S.C. 987 and this part. (b... of the State, or (2) Permit the violation or waiver of any State consumer lending protection that is... TERMS OF CONSUMER CREDIT EXTENDED TO SERVICE MEMBERS AND DEPENDENTS § 232.7 Preemption. (a) Inconsistent...

Course Notes and Suggestions for Consumer Education.

ERIC Educational Resources Information Center

Sweetwater Union High School District, Chula Vista, CA.

The document is a guide to a consumer education course; the course format is a series of several activity-based miniunits for each of 15 instructional areas: components of life styles, decision making, settling conflicts, budgeting, handling and controlling family income, credit, interest rates, savings institutions, family financial security,…

12 CFR 226.39 - Mortgage transfer disclosures.

Code of Federal Regulations, 2010 CFR

2010-01-01

... to the loan or it is assigned to the servicer solely for the administrative convenience of the servicer in servicing the obligation. (2) A “mortgage loan” means any consumer credit transaction that is secured by the principal dwelling of a consumer. (b) Disclosure required. Except as provided in paragraph...

13 CFR 123.15 - What if I change my mind?

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false What if I change my mind? 123.15... § 123.15 What if I change my mind? If SBA required you to pledge collateral for your loan, you may change your mind and rescind your loan pursuant to the Consumer Credit Protection Act, 15 U.S.C. 1601...

13 CFR 123.15 - What if I change my mind?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false What if I change my mind? 123.15... § 123.15 What if I change my mind? If SBA required you to pledge collateral for your loan, you may change your mind and rescind your loan pursuant to the Consumer Credit Protection Act, 15 U.S.C. 1601...