653:(APR) calculation mandated for all consumer lenders. Certain misleading interest rate calculations used previously, mainly on auto loans, were barred. For more than a decade, consumer loans were reported by APR in an economically meaningful way. Then, in the 1980s, the auto manufacturers began to exploit a loophole in TILA and its administration. Neither the Act nor its administrators adequately differentiated between "amount financed" and "finance charges", two terms that appear on the TILA required disclosure statements. By "bundling" the price of the car and its financing charges (which come from the auto maker's captive finance company), auto makers were able to shift money between the two categories, even to eliminating the financing charge entirely. Thus "zero percent APR" financing was born.
89:
1121:
25:
814:
to reconsider whether they want to place their homes at risk by offering it as security for the credit. Each borrower and any person who has a vested interest in the property may exercise the right to rescind until midnight of the third business day following consummation, or delivery of all material disclosures, whichever occurs last. If the required rescission notice or material TILA disclosures are inaccurate or not delivered, the borrowers right to rescind may be extended from three days after consummation to up to three years.
2931:
2386:
2951:
2941:
753:
657:
type of bundling, banks, credit unions and other competitors are left at a disadvantage. They must disclose true APR rates while the auto makers can claim no interest costs. In the process, the typical consumer is left with a complex finance problem. "Zero percent" financing can cost a lot less, or a lot more, than conventional financing with a non-auto maker institution.
817:
When a borrower rescinds, the security interest becomes void and the borrower is not liable for any amount, including finance charges. The bank must return any money or property given to anyone in connection with the transaction within 20 calendar days and remove any record of security interest that
656:
Typical offers from auto companies are "Zero
Percent APR financing available or $ 1,000 rebate". The consumer who elects "zero percent" financing gives up a $ 1,000 rebate (reduction in car price). Effectively, he or she pays $ 1,000 to get the "interest free" loan. Since only auto makers can do this
813:
For certain transactions secured by a borrower's principle dwelling, TILA requires that the borrower be granted three business days following loan consummation to rescind the transaction. The right of rescission allows borrowers time to reexamine the credit agreement and cost disclosures, as well as
730:
Several appendices contain information such as the procedures for determinations about state laws, state exemptions and issuance of staff interpretations, special rules for certain kinds of credit plans, a list of enforcement agencies, model disclosures that, if used properly, will ensure compliance
99:
An Act to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit; by restricting the garnishment of wages; and by creating the
National Commission on Consumer
821:
The right of rescission does not apply to loans that are obtained for the purpose of purchasing a home, nor does it apply to a refinance or consolidation of a home loan with the same creditor unless the amount refinanced or consolidated exceeds the unpaid balance on the existing debt.
556:, TILA does not regulate the charges that may be imposed for consumer credit. Rather, it requires uniform or standardized disclosure of costs and charges so that consumers can shop. It also imposes limitations on home equity plans that are subject to the requirements of
1002:
627:
From TILA's inception, the authority to implement the statute by issuing regulations was given to the
Federal Reserve Board (FRB). However, effective July 21, 2011, TILA's general rule making authority was transferred to the
645:
and attempt to mirror the FRB's
Regulation Z whenever feasible. The Federal Reserve retained some limited rule making authority under TILA for loans made by certain motor vehicle dealers, and for certain other provisions.
624:. Most of the specific requirements imposed by TILA are found in Regulation Z, so a reference to the requirements of TILA usually refers to the requirements contained in Regulation Z, as well as the statute itself.
2166:
818:
the bank may have taken for the new loan. Until the rescission period has ended, the bank may not 1) disperse funds other than to a valid escrow account, 2) perform any services, or 3) deliver any materials.
330:
444:
2577:
1498:
242:
2595:
1408:
349:
2610:
1457:
368:
387:
482:
2640:
2076:
2423:
311:
2635:
2600:
2582:
1481:
1414:
1374:
633:
307:
694:, record retention, effect on state laws, state exemptions (which only apply to states that had Truth in Lending-type laws prior to the Federal Act), and rate limitations.
2799:
2784:
406:
946:
2809:
1475:
837:
Credit extended to an entity (not a person, with an exception for certain trusts for tax or estate planning), including government agencies or instrumentalities.
2119:
2114:
2109:
2104:
2099:
506:
487:
468:
449:
430:
411:
392:
373:
354:
335:
2839:
2071:
1381:
840:
Credit in excess of an annually adjusted threshold, not secured by real estate or personal property, used or expected to be used as a principal dwelling.
246:
3000:
2461:
2416:
960:
2985:
541:, by requiring disclosures about its terms and cost to standardize the manner in which costs associated with borrowing are calculated and disclosed.
2587:
1951:
1426:
1308:
1047:
1013:
2911:
2824:
1858:
1205:
2849:
2819:
679:, such as home-purchase loans and motor vehicle loans with a fixed loan term. It contains rules on disclosures, treatment of credit balances,
2934:
2409:
2139:
1865:
636:
in July 2010. Any forthcoming regulations implementing the statute, which are also formally referred to as
Regulation Z, will be codified at
2625:
2161:
2154:
2149:
2144:
1932:
1432:
1903:
1464:
638:
617:
567:
558:
425:
2789:
2066:
2051:
1469:
993:
100:
Finance to study and make recommendations on the need for further regulation of the consumer finance industry; and for other purposes.
2620:
2486:
2124:
1943:
501:
2995:
2794:
2193:
2188:
2041:
1362:
552:
practices, and provides a means for fair and timely resolution of credit billing disputes. With the exception of certain high-cost
2854:
2094:
2086:
2028:
1955:
1145:
2722:
2476:
2456:
1806:
1438:
1296:
1200:
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774:
463:
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2046:
1853:
1716:
1040:
629:
2183:
2178:
2173:
2134:
2129:
1935:
1786:
1776:
1140:
2707:
Credit by Banks and
Persons Other Than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stock (Reg U)
2980:
2844:
2753:
2471:
1619:
1350:
1077:
318:
200:
187:
2834:
1766:
1726:
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68:
46:
782:
39:
2990:
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1828:
1736:
1706:
1649:
1402:
228:
2203:
1924:
1896:
1756:
1746:
1033:
604:
574:. The regulation prohibits certain acts or practices in connection with credit secured by a consumer's principal
168:
160:
2615:
2529:
2466:
2056:
2036:
1796:
1696:
1450:
1420:
778:
587:
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2763:
1087:
2901:
2804:
2678:
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2572:
2562:
1702:
1692:
1633:
1510:
1356:
1338:
1332:
1220:
1067:
1019:
903:
2829:
2758:
2287:
2230:
2016:
130:
1008:
2768:
2727:
2567:
2451:
2389:
1889:
1344:
591:
2557:
2061:
1530:
1110:
534:
153:
2539:
2534:
2337:
1989:
1984:
1566:
1542:
1302:
1214:
981:
763:
33:
985:
2885:
2630:
2325:
2313:
2301:
2260:
1973:
767:
303:
714:§ 1026.35 prohibits acts or practices in connection with "higher-priced" mortgage loans (HPMLs).
1291:
732:
680:
650:
615:. The regulations implementing the statute, which are known as "Regulation Z", are codified at
50:
932:
2216:
1848:
1524:
1518:
1326:
1256:
632:(CFPB), whose authority was established pursuant to provisions enacted by the passage of the
510:
491:
472:
453:
434:
415:
396:
377:
358:
339:
88:
2906:
2880:
2737:
2605:
2504:
2331:
1285:
1105:
1082:
850:
565:
and certain "higher-priced" mortgage loans (HPMLs) that are subject to the requirements of
8:
2514:
2319:
2307:
1548:
1389:
1280:
1226:
672:
accounts), which includes credit card accounts and home-equity lines of credit (HELOCs).
1016:, Office of Comptroller of the Currency, Administrator of National Banks, December 2006.
570:
561:
204:
2673:
2401:
2256:
1979:
1664:
1554:
1250:
1244:
1178:
513:
494:
456:
418:
399:
380:
361:
342:
194:
717:§ 1026.36 prohibits acts or practices in connection with credit secured by a dwelling.
475:
437:
265:
255:
2950:
2940:
2509:
2295:
2006:
1912:
1722:
1712:
1578:
883:
676:
287:
544:
TILA gives consumers the right to cancel certain credit transactions that involve a
2552:
2524:
1639:
1560:
1485:
1274:
1268:
879:
736:
705:
687:
669:
600:
224:
641:
2944:
2916:
2376:
2358:
2274:
2236:
1996:
1762:
1752:
1659:
1572:
1161:
1056:
989:
708:
mortgages, including the total annual loan cost rate and transaction disclosures.
620:
538:
2011:
1792:
1782:
1742:
1674:
1590:
1190:
1183:
711:§ 1026.34 prohibits acts or practices in connection with "high-cost" mortgages.
2969:
2365:
1772:
1732:
1629:
1608:
1396:
1173:
553:
834:
Credit extended primarily for business, agricultural or commercial purposes.
2954:
2698:
2519:
2266:
2224:
1823:
1802:
1669:
1602:
1596:
1584:
1536:
1262:
830:
TILA requirements do not apply to the following types of loans or credit:
2875:
2870:
2244:
1320:
1232:
1025:
949:(Press release). Consumer Financial Protection Bureau. February 13, 2013.
875:
691:
549:
701:§ 1026.32 frames the requirements for certain closed-end home mortgages.
2578:
Financial
Institutions Regulatory and Interest Rate Control Act of 1978
2343:
1135:
735:
in closed-end credit transactions and total annual loan cost rates for
608:
172:
683:
calculations, right of rescission, non requirements, and advertising.
2699:
Prohibition
Against the Paying of Interest on Demand Deposits (Reg Q)
2001:
1870:
1833:
1166:
996:
232:
1881:
752:
1838:
1238:
1097:
575:
935:. Board of Governors of the Federal Reserve System. July 30, 2008.
1843:
105:
2711:
Transactions
Between Member Banks and Their Affiliates (Reg W)
2095:
312:
Economic Growth, Regulatory Relief and Consumer Protection Act
720:§ 1026.39 deals with mortgage transfer disclosure guidelines.
697:
Subpart E contains special rules for mortgage transactions.
933:"Federal Reserve System Banking Information and Regulation"
545:
947:"CFPB Lays Out Implementation Plan for New Mortgage Rules"
634:
DoddâFrank Wall Street Reform and Consumer Protection Act
612:
308:
DoddâFrank Wall Street Reform and Consumer Protection Act
2674:
Reserve Requirements for Depository Institutions (Reg D)
2431:
870:
Dlabay, Les R.; Burrow, James L.; Kleindl, Brad (2009).
2733:
Availability of Funds and Collection of Checks (Reg CC)
586:
The Truth in Lending Act was originally Title I of the
723:§ 1026.40 sets the requirements for home equity plans.
548:
on a consumer's principal dwelling, regulates certain
2660:
Extensions of Credit by Federal Reserve Banks (Reg A)
2100:
1938 United States House of Representatives elections
961:"12 C.F.R. 1026, Subpart E, §§ 31â45 (2013 Edition)"
274:
on May 22, 1968 (agreed) with further amendment
1476:
PublicâPrivate Investment Program for Legacy Assets
869:
2462:Federal Financial Institutions Examination Council
592:
2695:Privacy of Consumer Financial Information (Reg P)
726:§ 1026.42 aims to promote valuation independence.
2967:
2912:History of central banking in the United States
2723:Unfair or Deceptive Acts or Practices (Reg AA)
686:Subpart D contains rules on oral disclosures,
2417:
2145:Democratic Party presidential primaries, 1960
1897:
1866:Personal consumption expenditures price index
1041:
331:Mourning v. Family Publications Service, Inc.
2683:Limitations on Interbank Liabilities (Reg F)
2125:United States Senate special elections, 1941
939:
668:Subpart B relates to open-end credit lines (
268:, in lieu of H.R. 11601) with amendment
1465:2009 Supervisory Capital Assessment Program
1382:Federal Reserve v. Investment Co. Institute
781:. Unsourced material may be challenged and
426:Green Tree Financial Corp.-Ala. v. Randolph
2424:
2410:
2067:Lyndon B. Johnson School of Public Affairs
2052:Lyndon B. Johnson National Historical Park
1904:
1890:
1470:Term Asset-Backed Securities Loan Facility
1055:
1048:
1034:
731:with the Act, and the rules for computing
445:Household Credit Services, Inc. v. Pfennig
3001:United States federal banking legislation
2621:Fair and Accurate Credit Transactions Act
2487:Office of the Comptroller of the Currency
801:Learn how and when to remove this message
665:The regulation is divided into subparts.
502:Jesinoski v. Countrywide Home Loans, Inc.
69:Learn how and when to remove this message
2986:Consumer protection in the United States
2686:International Banking Operations (Reg K)
2592:Competitive Equality Banking Act of 1987
2189:1960 United States presidential election
2042:Lyndon Baines Johnson Library and Museum
1020:Truth in Lending Act Legislative History
953:
537:designed to promote the informed use of
32:This article includes a list of general
925:
247:House Committee on Banking and Currency
2968:
2714:Borrowers of Securities Credit (Reg X)
1146:Monetary Policy Report to the Congress
742:
2703:Credit by Brokers and Dealers (Reg T)
2477:Financial Stability Oversight Council
2457:Federal Deposit Insurance Corporation
2405:
1911:
1885:
1439:Unfair or Deceptive Acts or Practices
1029:
464:Koons Buick Pontiac GMC, Inc. v. Nigh
2626:Emergency Economic Stabilization Act
2482:National Credit Union Administration
2447:Consumer Financial Protection Bureau
2433:Bank regulation in the United States
2212:Lyndon B. Johnson in popular culture
2047:Lyndon B. Johnson National Grassland
1854:Monetary policy of the United States
1433:Emergency Economic Stabilization Act
1390:Northeast Bancorp v. Federal Reserve
1363:HumphreyâHawkins Full Employment Act
779:adding citations to reliable sources
746:
630:Consumer Financial Protection Bureau
18:
2174:Democratic National Convention 1956
2130:1948 United States Senate elections
1936:Vice President of the United States
1925:36th President of the United States
1141:Federal Reserve Statistical Release
13:
2472:Federal Reserve Board of Governors
2296:Claudia "Lady Bird" Taylor Johnson
1427:Subprime mortgage crisis responses
975:
911:Consumer Finance Protection Bureau
597:Tooltip Public Law (United States)
350:Ford Motor Credit Co. v. Milhollin
38:it lacks sufficient corresponding
14:
3012:
2544:Interest Rate Control Act of 1966
1492:Commercial Paper Funding Facility
1445:Commercial Paper Funding Facility
2949:
2939:
2930:
2929:
2679:Electronic Fund Transfer (Reg E)
2669:Home Mortgage Disclosure (Reg C)
2664:Equal Credit Opportunity (Reg B)
2385:
2384:
1829:Criticism of the Federal Reserve
1403:Expedited Funds Availability Act
1119:
751:
369:Ford Motor Credit Co. v. Cenance
278:Senate agreed to House amendment
87:
23:
2996:Consumer protection legislation
2728:Community Reinvestment (Reg BB)
1297:U.S. Treasury Department Accord
1022:Law Librarian's Society of D.C.
997:Statute Compilations collection
704:§ 1026.33 are requirements for
660:
388:Anderson Bros. Ford v. Valencia
272:House agreed to House amendment
2467:Federal Housing Finance Agency
2057:Lyndon B. Johnson Space Center
1499:Corner Post v. Federal Reserve
1451:Primary Dealer Credit Facility
896:
863:
588:Consumer Credit Protection Act
483:Chase Bank USA, N. A. v. McCoy
223:in the Senate as S. 5 by
121:Consumer Credit Protection Act
1:
2072:Memorial Grove on the Potomac
1088:Federal Open Market Committee
856:
825:
280:on May 22, 1968 (agreed)
188:15 U.S.C.: Commerce and Trade
2902:Banking in the United States
2573:Electronic Fund Transfer Act
2563:Home Mortgage Disclosure Act
1458:Bloomberg v. Federal Reserve
1357:Electronic Fund Transfer Act
1339:Home Mortgage Disclosure Act
1333:Equal Credit Opportunity Act
1221:National Monetary Commission
7:
2759:Federal savings association
2588:Depository Institutions Act
2231:The Years of Lyndon Johnson
1001:United States Code (2004).
965:Code of Federal Regulations
844:
319:United States Supreme Court
131:90th United States Congress
10:
3017:
2568:Community Reinvestment Act
2452:Farm Credit Administration
2002:Texas Broadcasting Company
1654:Vice Chair for Supervision
1351:Federal Reserve Reform Act
1345:Community Reinvestment Act
581:
264:on February 1, 1968 (
2981:1968 in the United States
2925:
2894:
2863:
2777:
2746:
2738:Truth in Savings (Reg DD)
2692:Loans to Insiders (Reg O)
2649:
2558:Fair Credit Reporting Act
2495:
2439:
2353:
2286:
2202:
2085:
2062:Lyndon Baines Johnson Day
2025:
1966:
1919:
1816:
1683:
1618:
1509:
1369:International Banking Act
1199:
1154:
1128:
1117:
1111:Federal Reserve Bank Note
1096:
1063:
1014:Truth in Lending Handbook
535:United States federal law
325:
317:
302:
297:
216:
211:
193:
183:
178:
159:
149:
144:
136:
125:
117:
104:
95:
86:
2718:Truth in Lending (Reg Z)
2689:Consumer Leasing (Reg M)
2540:Bank Holding Company Act
2535:Federal Credit Union Act
2505:Independent Treasury Act
2338:George Washington Baines
1990:Civil Rights Act of 1960
1985:Civil Rights Act of 1957
1303:Bank Holding Company Act
649:The TILA introduced the
407:Beach v. Ocwen Fed. Bank
243:Senate Banking Committee
2991:Consumer protection law
2886:Thrift Financial Report
2326:Samuel Ealy Johnson Sr.
2314:Samuel Ealy Johnson Jr.
2302:Lynda Bird Johnson Robb
1944:U.S. Senator from Texas
733:annual percentage rates
304:Credit CARD Act of 2009
254:on July 11, 1967 (
239:Committee consideration
53:more precise citations.
2616:GrammâLeachâBliley Act
2240:(1991 television film)
1974:Early years and career
1421:GrammâLeachâBliley Act
1292:Employment Act of 1946
1057:Federal Reserve System
904:"Truth in Lending Act"
681:annual percentage rate
651:Annual Percentage Rate
2747:Types of bank charter
1849:Lender of last resort
1525:William P. G. Harding
1327:Smithsonian Agreement
1257:Emergency Banking Act
1083:Federal Reserve Banks
675:Subpart C relates to
235:) on January 11, 1967
16:US federal law (1968)
2976:1968 in American law
2907:Fair debt collection
2881:CAMELS rating system
2606:Truth in Savings Act
2583:Monetary Control Act
2548:Truth in Lending Act
2332:Joseph Wilson Baines
1531:Daniel R. Crissinger
1415:FDIC Improvement Act
1315:Truth in Lending Act
1286:Bretton Woods system
1215:AldrichâVreeland Act
1106:Federal Reserve Note
992:) as amended in the
982:Truth in Lending Act
851:Truth in Savings Act
775:improve this section
527:Truth in Lending Act
82:Truth in Lending Act
2515:Federal Reserve Act
2440:Federal authorities
2340:(great-grandfather)
2320:Sam Houston Johnson
2308:Luci Baines Johnson
1952:U.S. Representative
1281:Banking Act of 1935
1227:Federal Reserve Act
1003:15 USC 1601 et seq.
743:Right of rescission
212:Legislative history
83:
2530:GlassâSteagall Act
2077:U.S. Postage stamp
1980:Southern Manifesto
1684:Current presidents
1665:Christopher Waller
1555:Marriner S. Eccles
1269:GlassâSteagall Act
1179:Federal funds rate
967:. January 1, 2013.
81:
2963:
2962:
2778:State authorities
2653:Board regulations
2611:Riegle-Neal IBBEA
2510:National Bank Act
2399:
2398:
2377:Hubert Humphrey â
2359:â John F. Kennedy
2007:Johnson Amendment
1913:Lyndon B. Johnson
1879:
1878:
1723:Loretta J. Mester
1713:Patrick T. Harker
1579:G. William Miller
1567:William M. Martin
1519:Charles S. Hamlin
889:978-0-538-44561-0
872:Intro to Business
811:
810:
803:
677:closed-end credit
523:
522:
288:Lyndon B. Johnson
252:Passed the Senate
162:Statutes at Large
79:
78:
71:
3008:
2953:
2943:
2933:
2932:
2708:
2651:Federal Reserve
2553:Bank Secrecy Act
2525:1933 Banking Act
2426:
2419:
2412:
2403:
2402:
2388:
2387:
1959:
1947:
1939:
1928:
1906:
1899:
1892:
1883:
1882:
1640:Philip Jefferson
1561:Thomas B. McCabe
1486:Durbin amendment
1275:Gold Reserve Act
1123:
1122:
1050:
1043:
1036:
1027:
1026:
969:
968:
957:
951:
950:
943:
937:
936:
929:
923:
922:
920:
918:
908:
900:
894:
893:
880:Cengage Learning
878:: South-Western
867:
806:
799:
795:
792:
786:
755:
747:
737:reverse mortgage
706:reverse mortgage
688:Spanish language
670:revolving credit
644:
623:
614:
598:
594:
573:
564:
298:Major amendments
262:Passed the House
225:William Proxmire
197:sections created
163:
110:
91:
84:
80:
74:
67:
63:
60:
54:
49:this article by
40:inline citations
27:
26:
19:
3016:
3015:
3011:
3010:
3009:
3007:
3006:
3005:
2966:
2965:
2964:
2959:
2945:Business portal
2921:
2917:Wildcat banking
2890:
2859:
2773:
2742:
2706:
2654:
2652:
2645:
2631:Credit CARD Act
2497:
2491:
2435:
2430:
2400:
2395:
2373:â Richard Nixon
2366:Richard Nixon â
2349:
2282:
2198:
2081:
2027:
2021:
1997:Operation Texas
1962:
1950:
1942:
1931:
1923:
1915:
1910:
1880:
1875:
1812:
1763:Alberto Musalem
1753:Austan Goolsbee
1685:
1679:
1660:Michelle Bowman
1621:
1614:
1573:Arthur F. Burns
1549:Eugene R. Black
1505:
1203:
1195:
1162:Discount window
1150:
1124:
1120:
1115:
1092:
1059:
1054:
1009:Regulation text
978:
976:Further reading
973:
972:
959:
958:
954:
945:
944:
940:
931:
930:
926:
916:
914:
906:
902:
901:
897:
890:
882:. p. 469.
868:
864:
859:
847:
828:
807:
796:
790:
787:
772:
756:
745:
663:
637:
616:
596:
584:
566:
557:
539:consumer credit
533:) of 1968 is a
519:
310:
306:
293:
290:on May 29, 1968
284:Signed into law
161:
126:Enacted by
108:
75:
64:
58:
55:
45:Please help to
44:
28:
24:
17:
12:
11:
5:
3014:
3004:
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2988:
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2507:
2501:
2499:
2496:Major federal
2493:
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2479:
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2329:
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2317:
2311:
2305:
2299:
2292:
2290:
2284:
2283:
2281:
2280:
2272:
2264:
2250:
2242:
2234:
2227:
2222:
2214:
2208:
2206:
2200:
2199:
2197:
2196:
2191:
2186:
2181:
2176:
2171:
2170:
2169:
2159:
2158:
2157:
2147:
2142:
2137:
2132:
2127:
2122:
2117:
2112:
2107:
2102:
2097:
2091:
2089:
2083:
2082:
2080:
2079:
2074:
2069:
2064:
2059:
2054:
2049:
2044:
2039:
2033:
2031:
2023:
2022:
2020:
2019:
2014:
2012:Box 13 scandal
2009:
2004:
1999:
1994:
1993:
1992:
1987:
1982:
1970:
1968:
1964:
1963:
1961:
1960:
1948:
1940:
1929:
1920:
1917:
1916:
1909:
1908:
1901:
1894:
1886:
1877:
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1826:
1820:
1818:
1814:
1813:
1811:
1810:
1800:
1790:
1780:
1770:
1760:
1750:
1743:Raphael Bostic
1740:
1730:
1720:
1710:
1700:
1689:
1687:
1681:
1680:
1678:
1677:
1675:Adriana Kugler
1672:
1667:
1662:
1657:
1647:
1637:
1626:
1624:
1616:
1615:
1613:
1612:
1611:(2018âpresent)
1606:
1600:
1594:
1591:Alan Greenspan
1588:
1582:
1576:
1570:
1564:
1558:
1552:
1546:
1540:
1534:
1528:
1522:
1515:
1513:
1507:
1506:
1504:
1503:
1495:
1489:
1482:DoddâFrank Act
1479:
1473:
1467:
1462:
1454:
1448:
1442:
1436:
1430:
1424:
1418:
1412:
1406:
1400:
1394:
1386:
1378:
1372:
1366:
1360:
1354:
1348:
1342:
1336:
1330:
1324:
1318:
1312:
1311:(1961âpresent)
1306:
1300:
1294:
1289:
1283:
1278:
1272:
1266:
1260:
1254:
1248:
1242:
1236:
1230:
1224:
1218:
1211:
1209:
1197:
1196:
1194:
1193:
1191:Primary dealer
1188:
1187:
1186:
1184:Overnight rate
1176:
1171:
1170:
1169:
1158:
1156:
1152:
1151:
1149:
1148:
1143:
1138:
1132:
1130:
1126:
1125:
1118:
1116:
1114:
1113:
1108:
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1100:
1094:
1093:
1091:
1090:
1085:
1080:
1075:
1070:
1064:
1061:
1060:
1053:
1052:
1045:
1038:
1030:
1024:
1023:
1017:
1011:
1006:
999:
977:
974:
971:
970:
952:
938:
924:
895:
888:
861:
860:
858:
855:
854:
853:
846:
843:
842:
841:
838:
835:
827:
824:
809:
808:
759:
757:
750:
744:
741:
739:transactions.
728:
727:
724:
721:
718:
715:
712:
709:
702:
690:disclosure in
662:
659:
583:
580:
554:mortgage loans
521:
520:
518:
517:
498:
479:
460:
441:
422:
403:
384:
365:
346:
326:
323:
322:
315:
314:
300:
299:
295:
294:
292:
291:
281:
275:
269:
259:
249:
236:
217:
214:
213:
209:
208:
198:
191:
190:
185:
184:Titles amended
181:
180:
176:
175:
165:
157:
156:
151:
147:
146:
142:
141:
138:
134:
133:
127:
123:
122:
119:
115:
114:
111:
102:
101:
97:
93:
92:
77:
76:
31:
29:
22:
15:
9:
6:
4:
3:
2:
3013:
3002:
2999:
2997:
2994:
2992:
2989:
2987:
2984:
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2979:
2977:
2974:
2973:
2971:
2956:
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2841:
2838:
2836:
2833:
2831:
2828:
2826:
2823:
2821:
2818:
2816:
2815:New Hampshire
2813:
2811:
2808:
2806:
2803:
2801:
2798:
2796:
2793:
2791:
2788:
2786:
2783:
2782:
2780:
2776:
2770:
2767:
2765:
2764:National bank
2762:
2760:
2757:
2755:
2752:
2751:
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2745:
2739:
2736:
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2656:
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2639:
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2614:
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2609:
2607:
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2602:
2599:
2597:
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2579:
2576:
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2513:
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2503:
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2500:
2494:
2488:
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2475:
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2375:
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2368:
2367:
2363:
2361:
2360:
2356:
2355:
2352:
2345:
2342:
2339:
2336:
2334:(grandfather)
2333:
2330:
2328:(grandfather)
2327:
2324:
2321:
2318:
2315:
2312:
2309:
2306:
2303:
2300:
2297:
2294:
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2291:
2289:
2285:
2279:
2277:
2273:
2271:
2269:
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2262:
2258:
2254:
2251:
2249:
2247:
2243:
2241:
2239:
2235:
2233:
2232:
2228:
2226:
2223:
2221:
2220:advertisement
2219:
2215:
2213:
2210:
2209:
2207:
2205:
2201:
2195:
2192:
2190:
2187:
2185:
2182:
2180:
2177:
2175:
2172:
2168:
2165:
2164:
2163:
2160:
2156:
2153:
2152:
2151:
2148:
2146:
2143:
2141:
2138:
2136:
2133:
2131:
2128:
2126:
2123:
2121:
2118:
2116:
2113:
2111:
2108:
2106:
2103:
2101:
2098:
2096:
2093:
2092:
2090:
2088:
2084:
2078:
2075:
2073:
2070:
2068:
2065:
2063:
2060:
2058:
2055:
2053:
2050:
2048:
2045:
2043:
2040:
2038:
2035:
2034:
2032:
2030:
2024:
2018:
2015:
2013:
2010:
2008:
2005:
2003:
2000:
1998:
1995:
1991:
1988:
1986:
1983:
1981:
1977:
1976:
1975:
1972:
1971:
1969:
1965:
1957:
1953:
1949:
1945:
1941:
1937:
1934:
1930:
1926:
1922:
1921:
1918:
1914:
1907:
1902:
1900:
1895:
1893:
1888:
1887:
1884:
1872:
1869:
1867:
1864:
1860:
1857:
1856:
1855:
1852:
1850:
1847:
1845:
1842:
1840:
1837:
1835:
1832:
1830:
1827:
1825:
1822:
1821:
1819:
1815:
1808:
1807:San Francisco
1804:
1801:
1798:
1794:
1791:
1788:
1784:
1781:
1778:
1774:
1773:Neel Kashkari
1771:
1768:
1764:
1761:
1758:
1754:
1751:
1748:
1744:
1741:
1738:
1734:
1733:Thomas Barkin
1731:
1728:
1724:
1721:
1718:
1714:
1711:
1708:
1704:
1703:John Williams
1701:
1698:
1694:
1693:Susan Collins
1691:
1690:
1688:
1686:(by district)
1682:
1676:
1673:
1671:
1668:
1666:
1663:
1661:
1658:
1655:
1651:
1648:
1645:
1641:
1638:
1635:
1631:
1630:Jerome Powell
1628:
1627:
1625:
1623:
1617:
1610:
1609:Jerome Powell
1607:
1604:
1601:
1598:
1595:
1592:
1589:
1586:
1583:
1580:
1577:
1574:
1571:
1568:
1565:
1562:
1559:
1556:
1553:
1550:
1547:
1544:
1541:
1538:
1535:
1532:
1529:
1526:
1523:
1520:
1517:
1516:
1514:
1512:
1508:
1501:
1500:
1496:
1493:
1490:
1487:
1483:
1480:
1477:
1474:
1471:
1468:
1466:
1463:
1460:
1459:
1455:
1452:
1449:
1446:
1443:
1440:
1437:
1434:
1431:
1428:
1425:
1422:
1419:
1416:
1413:
1410:
1407:
1404:
1401:
1398:
1397:Greenspan put
1395:
1392:
1391:
1387:
1384:
1383:
1379:
1376:
1373:
1370:
1367:
1364:
1361:
1358:
1355:
1352:
1349:
1346:
1343:
1340:
1337:
1334:
1331:
1328:
1325:
1322:
1319:
1316:
1313:
1310:
1307:
1304:
1301:
1298:
1295:
1293:
1290:
1287:
1284:
1282:
1279:
1276:
1273:
1270:
1267:
1264:
1261:
1258:
1255:
1252:
1249:
1246:
1243:
1240:
1237:
1234:
1231:
1228:
1225:
1222:
1219:
1216:
1213:
1212:
1210:
1207:
1202:
1198:
1192:
1189:
1185:
1182:
1181:
1180:
1177:
1175:
1174:Federal funds
1172:
1168:
1165:
1164:
1163:
1160:
1159:
1157:
1155:Federal funds
1153:
1147:
1144:
1142:
1139:
1137:
1134:
1133:
1131:
1127:
1112:
1109:
1107:
1104:
1103:
1101:
1099:
1095:
1089:
1086:
1084:
1081:
1079:
1076:
1074:
1071:
1069:
1066:
1065:
1062:
1058:
1051:
1046:
1044:
1039:
1037:
1032:
1031:
1028:
1021:
1018:
1015:
1012:
1010:
1007:
1004:
1000:
998:
995:
991:
987:
983:
980:
979:
966:
962:
956:
948:
942:
934:
928:
912:
905:
899:
891:
885:
881:
877:
873:
866:
862:
852:
849:
848:
839:
836:
833:
832:
831:
823:
819:
815:
805:
802:
794:
784:
780:
776:
770:
769:
765:
760:This section
758:
754:
749:
748:
740:
738:
734:
725:
722:
719:
716:
713:
710:
707:
703:
700:
699:
698:
695:
693:
689:
684:
682:
678:
673:
671:
666:
658:
654:
652:
647:
643:
640:
635:
631:
625:
622:
619:
610:
606:
602:
595:
589:
579:
577:
572:
569:
563:
560:
555:
551:
547:
542:
540:
536:
532:
528:
515:
512:
508:
504:
503:
499:
496:
493:
489:
485:
484:
480:
477:
474:
470:
466:
465:
461:
458:
455:
451:
447:
446:
442:
439:
436:
432:
428:
427:
423:
420:
417:
413:
409:
408:
404:
401:
398:
394:
390:
389:
385:
382:
379:
375:
371:
370:
366:
363:
360:
356:
352:
351:
347:
344:
341:
337:
333:
332:
328:
327:
324:
320:
316:
313:
309:
305:
301:
296:
289:
286:by President
285:
282:
279:
276:
273:
270:
267:
263:
260:
257:
253:
250:
248:
244:
240:
237:
234:
230:
226:
222:
219:
218:
215:
210:
206:
202:
199:
196:
192:
189:
186:
182:
177:
174:
170:
166:
164:
158:
155:
152:
148:
143:
139:
135:
132:
128:
124:
120:
116:
112:
107:
103:
98:
94:
90:
85:
73:
70:
62:
52:
48:
42:
41:
35:
30:
21:
20:
2955:Banks portal
2895:Other topics
2845:Pennsylvania
2754:Credit union
2717:
2547:
2520:McFadden Act
2383:
2364:
2357:
2346:(son-in-law)
2275:
2267:
2252:
2245:
2237:
2229:
2225:Johnson cult
2217:
2204:Public image
2037:Bibliography
2017:Bashir Ahmad
1824:Central bank
1803:Mary C. Daly
1717:Philadelphia
1670:Lisa D. Cook
1650:Michael Barr
1603:Janet Yellen
1597:Ben Bernanke
1585:Paul Volcker
1543:Eugene Meyer
1537:Roy A. Young
1497:
1456:
1388:
1380:
1314:
1309:FOMC actions
1263:Regulation Q
1251:Regulation D
964:
955:
941:
927:
915:. Retrieved
913:. April 2015
910:
898:
871:
865:
829:
820:
816:
812:
797:
788:
773:Please help
761:
729:
696:
685:
674:
667:
664:
661:Organization
655:
648:
626:
613:May 29, 1968
585:
543:
530:
526:
524:
500:
481:
462:
443:
424:
405:
386:
367:
348:
329:
283:
277:
271:
261:
251:
238:
220:
179:Codification
140:May 29, 1968
109:(colloquial)
65:
56:
37:
2876:CAEL Rating
2871:Call report
2498:legislation
2278:(2017 film)
2270:(2014 film)
2253:All the Way
2248:(2002 film)
2246:Path to War
1958:(1937â1949)
1946:(1949â1961)
1938:(1961â1963)
1927:(1963â1969)
1793:Lorie Logan
1787:Kansas City
1783:Jeff Schmid
1777:Minneapolis
1605:(2014â2018)
1599:(2006â2014)
1593:(1987â2006)
1587:(1979â1987)
1581:(1978â1979)
1575:(1970â1978)
1569:(1951â1970)
1563:(1948â1951)
1557:(1934â1948)
1551:(1933â1934)
1545:(1930â1933)
1539:(1927â1930)
1533:(1923â1927)
1527:(1916â1922)
1521:(1914â1916)
1494:(2020â2021)
1472:(2009â2010)
1453:(2008â2010)
1447:(2008â2010)
1429:(2007â2010)
1321:Nixon shock
1288:(1944â1971)
1233:Pittman Act
1223:(1909â1912)
1206:Antecedents
876:Mason, Ohio
692:Puerto Rico
639:12 CFR
618:12 CFR
568:12 CFR
559:12 CFR
550:credit card
516: (2015)
497: (2011)
478: (2004)
459: (2004)
440: (2000)
421: (1998)
402: (1981)
383: (1981)
364: (1980)
345: (1973)
51:introducing
2970:Categories
2820:New Jersey
2785:California
2769:State bank
2636:DoddâFrank
2344:Chuck Robb
2310:(daughter)
2304:(daughter)
2167:withdrawal
2026:Legacy and
1644:Vice Chair
1245:Phelan Act
1136:Beige Book
1073:Vice Chair
857:References
826:Exemptions
611:, enacted
603:, 82
221:Introduced
150:Public law
113:TILA, CCPA
96:Long title
59:April 2009
34:references
2850:Tennessee
2322:(brother)
2261:2016 film
2257:2012 play
2087:Elections
2029:memorials
1871:Sahm rule
1834:Fed model
1767:St. Louis
1727:Cleveland
1622:governors
1409:FIRRE Act
1375:DIDMC Act
1253:(c. 1930)
1167:Bank rate
1098:Banknotes
1078:Governors
762:does not
201:15 U.S.C.
145:Citations
137:Effective
118:Nicknames
2935:Category
2855:Virginia
2835:Oklahoma
2825:New York
2810:Michigan
2805:Maryland
2800:Illinois
2790:Colorado
2390:Category
2316:(father)
2155:campaign
1839:Fedspeak
1737:Richmond
1707:New York
1239:Edge Act
917:June 16,
845:See also
791:May 2018
576:dwelling
167:82
106:Acronyms
2795:Florida
2641:EGRRCPA
1859:History
1844:Fed put
1817:Related
1757:Chicago
1747:Atlanta
1620:Current
1484:(2010;
1478:(2009â)
1201:History
1129:Reports
990:details
783:removed
768:sources
593:Pub. L.
582:History
571:1026.35
562:1026.40
47:improve
2840:Oregon
2601:FDICIA
2596:FIRREA
2298:(wife)
2288:Family
1797:Dallas
1697:Boston
1511:Chairs
1502:(2024)
1461:(2009)
1441:(2008)
1435:(2008)
1423:(1999)
1417:(1991)
1411:(1989)
1405:(1987)
1399:(1987)
1393:(1985)
1385:(1981)
1377:(1980)
1371:(1978)
1365:(1978)
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1335:(1974)
1329:(1971)
1323:(1971)
1317:(1968)
1305:(1956)
1299:(1951)
1277:(1934)
1271:(1933)
1265:(1933)
1259:(1933)
1247:(1920)
1241:(1919)
1235:(1918)
1229:(1913)
1217:(1908)
886:
607:
601:90â321
599:
207:§ 1601
205:ch. 41
195:U.S.C.
171:
154:90-321
36:, but
2864:Terms
2268:Selma
2218:Daisy
1978:1956
1956:TXâ10
1634:Chair
1068:Chair
907:(PDF)
605:Stat.
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471:
452:
433:
414:
395:
376:
357:
338:
321:cases
266:383â4
203:
169:Stat.
2830:Ohio
2194:1964
2184:1964
2179:1960
2162:1968
2150:1964
2140:1960
2135:1954
2120:1946
2115:1944
2110:1942
2105:1940
1967:Life
1954:for
1933:37th
919:2024
884:ISBN
766:any
764:cite
642:1026
546:lien
531:TILA
525:The
511:U.S.
492:U.S.
473:U.S.
454:U.S.
435:U.S.
416:U.S.
397:U.S.
378:U.S.
359:U.S.
340:U.S.
256:92â0
129:the
2276:LBJ
2238:LBJ
994:GPO
986:PDF
777:by
621:226
609:146
514:259
507:574
495:195
488:562
469:543
457:232
450:541
431:531
419:410
412:523
400:205
393:452
381:155
374:452
362:555
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336:411
241:by
173:146
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