Washington State Department of Financial Institutions

Consumer Protection Laws

Listed below are consumer protection laws that apply to federally insured state chartered credit unions.

Disclaimer: Links to these websites are provided to assist you in finding consumer protection information (specifically the Acts and Rules). The Division of Credit Unions does not endorse any of the products or programs found in these websites. The Division of Credit Unions has no responsibility for the content or accuracy of these web sites. Add

See Also: Summary of Consumer Protection Laws (PDF)*


National Credit Union Administration

See: NCUA Regulations

  1. BSA: Bank Secrecy Act - 12 C.F.R. Part 748
  2. FCPR: Fair Credit Practice Rule – 12 C.F.R. 706
    1. Repeal of NCUA’s regulations on Unfair or Deceptive Acts
    2. Federal Register notice about the repeal
  3. FDPA: Flood Disaster Protection Act – 12 C.F.R. 760
  4. FHA: Fair Housing Act – 12 C.F.R. 701.31
    1. Nondiscrimination Requirements - 12 C.F.R. Section 701.31

Consumer Financial Protection Bureau

See: CFPB Regulations

  1. Reg. B: Equal Credit Opportunity – 12 C.F.R. 1002
  2. Reg. C: Home Mortgage Disclosure – 12 C.F.R. 1003
  3. Reg. DD: Truth in Savings - 12 C.F.R. 707
  4. Reg. E: Electronic Funds Transfer – 12 C.F.R. 1005
  5. Reg. F: Fair Debt Collection Practices Act – 12 C.F.R. 1006
  6. Reg. H: S.A.F.E. Mortgage Licensing Act - State Compliance and Bureau Registration System - 12 C.F.R. 761
  7. Reg. M: Consumer Leasing – 12 C.F.R. 1013
  8. Reg. O: Mortgage Assistance Relief Services – 12 C.F.R. 1015
  9. Reg. P: Privacy of Consumer Financial Information - 12 C.F.R. 716
  10. Reg. V: Fair Credit Reporting – 12 C.F.R. 1022
  11. Reg. X: Real Estate Settlement Procedures Act – 12 C.F.R. 1024
  12. Reg. Z : Truth in Lending – 12 C.F.R. 1026
  13. HOPA: Homeowner’s Protection Act – 12 U.S.C. 49

Department of Defense (DoD)

See: Department of Defense Regulation (PDF)*

  1. SMCR: Service Members’ Civil Relief – 32 C.F.R. Part 232

Federal Reserve

See: Federal Reserve Regulations

  1. Reg. D: Reserves on Transaction Accounts – 12 C.F.R 204
  2. Reg. CC: Availability of Funds and Collection of Checks – 12 C.F.R 229
  3. Reg. GG: Unlawful Internet Gambling Enforcement Act – 12 C.F.R 233
  4. Reg. II: Debit Card Interchange – 12 C.F.R 235

Federal Trade Commission

See: Federal Trade Commission

  1. COPPA: Children’s Online Privacy Protection – 16 C.F.R. 312
  2. HIDC: Holder in Due Course Rule – 16 C.F.R. 433

Housing and Urban Development (HUD)

  1. Fair Housing
  2. Fair Housing - Complaint Processing

Others

  1. RFPA: Right to Financial Privacy – 31 C.F.R. 14

* This document is a PDF file, and you will need Adobe Acrobat Reader to view it. If you don't already have Acrobat Reader installed on your computer, you may download it for free from Adobe.