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Equal Credit Opportunity Act | Fair Debt Collection Practices Act | Electronic Fund Transfer Act | 15 U.S.C. §§ 1691-1693r, as amended Revised: A Quick Reference Guide of the FCRA (CCPA Compliance)
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About Equal Credit Opportunity Act | Fair Debt Collection
UPDATED JANUARY 2024 A simple but comprehensive revision of the Equal Credit Opportunity Act, Fair Debt Collection Practices Act, and the Electronic Fund Transfer Act updated in January of 2024 for quick reference. Beautiful high end pages make it great for sitting on a desk or coffee table while being convenient to tuck into your briefcase. Available in paperback and hard cover. INCLUDES: Definitions Notices Quick Reference Contents Table Amendments Effective Dates FEATURES: Premium Soft Cover 71 pages High Quality Interior Stock The Equal Credit Opportunity Act (Title VII of the Consumer Credit Protection Act) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicant’s application for first lien loans secured by a dwelling. The Fair Debt Collection Practices Act (“FDCPA”) prohibits deceptive, unfair, and abusive debt collection practices. Among other things, the FDCPA bars collectors from using obscene or profane language, threatening violence, calling consumers repeatedly or at unreasonable hours, misrepresenting a consumer’s legal rights, disclosing a consumer’s personal affairs to third parties, and obtaining information about a consumer through false pretenses. Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices. The Electronic Fund Transfer Act (Title IX of the Consumer Credit Protection Act) establishes the rights, liabilities and responsibilities of participants in electronic fund transfer systems. The Act requires financial institutions to adopt certain practices respecting such matters as transaction accounting, and error resolution, requires financial institutions and others to have certain procedures for preauthorized transfers, and sets liability limits for losses caused by unauthorized transfers. The Credit CARD Act and the Dodd-Frank Act made substantial amendments to this Act.
