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Consumer Protection Law

Federal Statutes

The Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L. 111-203) was passed in July 2010. Title X of this law amends a number of existing consumer laws. Several legislative histories of Dodd-Frank have been compiled, including:

Selected consumer laws (many of which are being amended by the Dodd-Frank Act):

  • Consumer Leasing Act of 1976, Pub. L. 94-240, codified at 15 U.S.C. 1667 et seq.
  • Electronic Fund Transfer Act, Pub. L. 90-321, Title IX, codified at 15 U.S.C. 1693 et seq.
  • Equal Credit Opportunity Act, Pub. L. 90-321, Title X, codified at 15 U.S.C. 1691 et seq.
  • Fair Credit Reporting Act, Pub. L. 90-321, Title VI, codified at 15 U.S.C. 1681 et seq.
  • Home Owners Protection Act of 1998, Pub. L. 105-216, codified at 12 U.S.C. 4901
  • Fair Debt Collection Practices Act, Pub. L. 90-321, Title VIII, codified at 15 U.S.C. 1692 et seq.
  • Federal Deposit Insurance Act, 64 Stat. 863, codified at 12 U.S.C. 1831t(c)-(f)
  • Gramm-Leach-Bliley Act, Pub. L. 106-102, codified at 15 U.S.C. 6801 et seq.
  • Home Mortgage Disclosure Act of 1975, Pub. L. 94-200, codified at 12 U.S.C. 2801 et seq.
  • Real Estate Settlement Procedures Act of 1974, Pub. L. 93-533, as codified at 12 U.S.C. 2601 et seq.
  • Truth in Lending Act, Pub. L. 90-321, as codified at 15 U.S.C. 1601 et seq.
  • Truth in Savings Act, Pub. L. 102-242, as codified at 12 U.S.C. 4301 et seq.

State Statutes

For state statutes, you can begin with a 50 state survey, such as those available on Lexis or Westlaw. HeinOnline's Subject Compilation of State Laws also includes compilations of civil rights statutes from various sources.

Federal Regulations

There are several federal agencies that regulate the various aspects of consumer law, including the Federal Trade Commission, the Consumer Product Safety Commission, and the Consumer Financial Protection Board, all of which publish their rules and regulations in the Federal Register and Code of Federal Regulations(CFR). Some selected sections include:

For information on researching U.S. regulations generally, see the D'Angelo Law Library's Administrative Law Research Guide.

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