From: Subject: Electronic Code of Federal Regulations: Date: Fri, 30 Jan 2009 12:19:04 -0500 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_0000_01C982D4.F0C2B6A0" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.3350 This is a multi-part message in MIME format. ------=_NextPart_000_0000_01C982D4.F0C2B6A0 Content-Type: text/html; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable Content-Location: http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr&sid=9a8153a84ecd8989da1dd7b1c6858964&rgn=div5&view=text&node=12:5.0.1.1.16&idno=12 Electronic Code of Federal Regulations:
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Home=20 Page > Executive=20 Branch > Code of=20 Federal Regulations > Electronic Code of Federal = Regulations

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e-CFR=20 Data is current as of January 28, 2009


Title 12:=20 Banks and Banking

Browse=20 Previous | Browse=20 Next

PART 535=97PROHIBITED CONSUMER CREDIT PRACTICES
Section Contents
=A7 535.1 &nb= sp; Definitions.
=A7 535.2 &nb= sp; Unfair=20 credit practices.
=A7 535.3 &nb= sp; Unfair=20 or deceptive cosigner practices.
=A7 535.4 &nb= sp; Late=20 charges.
=A7 535.5 &nb= sp; State=20 exemptions.

Authority:   Sec. 18, as added = by sec.=20 202, 88 Stat. 2193, as amended (15 U.S.C. 57a).

Source:   54 FR 49479, Nov. = 30, 1989,=20 unless otherwise noted.

=A7 535.1   Definitions.
=20 top

(a) Act. For the purposes of this part, =93Act=94 means = the Federal=20 Trade Commission Act, 15 U.S.C. 41 et seq .

(b) Consumer. The term =93consumer=94 means a natural = person who=20 seeks or acquires goods, services, or money for personal, family, = or=20 household purposes, and who applies for or is extended =93consumer = credit=94=20 as defined in =A7561.12 of this chapter.

(c) Cosigner. The term =93cosigner=94 means a natural = person who=20 assumes liability for the obligation of a consumer without = receiving=20 goods, services, or money in return for the obligation, or in the = case of=20 an open-end credit obligation, without receiving the contractual = right to=20 obtain extensions of credit under the account. The term shall = include any=20 person whose signature is requested as a condition to granting = credit to a=20 consumer, or as a condition for forbearance on collection of a = consumer's=20 obligation that is in default. The term shall not include a spouse = or=20 other person whose signature is required on a credit obligation to = perfect=20 a security interest pursuant to state law. A person is a cosigner = within=20 the meaning of this definition whether or not he or she is = designated as=20 such on a credit obligation.

(d) Creditor. The term =93creditor=94 means a savings=20 association.

(e) Debt. The term =93debt=94 means money that is due or = alleged to=20 be due from one to another.

(f) Earnings. The term =93earnings=94 means compensation = paid or=20 payable to an individual or for his or her account for personal = services=20 rendered or to be rendered by him or her, whether denominated as = wages,=20 salary, commission, bonus, or otherwise, including periodic = payments=20 pursuant to a pension, retirement, or disability program.

(g) Household goods. The term =93household goods=94 = means clothing,=20 furniture, appliances, linens, china, crockery, kitchenware, and = personal=20 effects of the consumer and his or her dependents, provided that = the=20 following are not included within the scope of the term = =93household=20 goods=94:

(1) Works of art;

(2) Electronic entertainment equipment (except one television = and one=20 radio);

(3) Antiques, i.e., any item over one hundred years of age, = including=20 such items that have been repaired or renovated without changing = their=20 original form or character, and

(4) Jewelry (other than wedding rings).

(h) Savings association. For purposes of this part, the = term=20 =93savings association=94 includes any savings association, and = any service=20 corporation that is wholly owned by one or more savings = association, that=20 engages in the business of providing credit to consumers.

(i) Obligation. The term =93obligation=94 means an = agreement between=20 a consumer and a creditor.

(j) Person. The term =93person=94 means an individual, = corporation,=20 or other business organization.

=A7 535.2   Unfair credit = practices.
=20 top

(a) In connection with the extension of credit to consumers = after=20 January 1, 1986, it is an unfair act or practice within the = meaning of=20 section 5 of the Act for a savings association directly or = indirectly to=20 enter into a consumer credit obligation that constitutes or = contains, or=20 to enforce in a consumer credit obligation purchased by a savings=20 association, any of the following provisions:

(1) A cognovit or confession of judgment (for purposes other = than=20 executory process in the State of Louisiana), warrant of attorney, = or=20 other waiver of the right to notice and the opportunity to be = heard in the=20 event of suit or process thereon;

(2) An executory waiver or a limitation of exemption from = attachment,=20 execution, or other process on real or personal property held, = owned by,=20 or due to the consumer, unless the waiver applies solely to = property=20 subject to a security interest executed in connection with the=20 obligation;

(3) An assignment of wages or other earnings, unless:

(i) The assignment by its terms is revocable at the will of the = debtor,

(ii) The assignment is a payroll deduction plan or = preauthorized=20 payment plan, commencing at the time of the transaction, in which = the=20 consumer authorizes a series of wage deductions as a method of = making each=20 payment, or

(iii) The assignment applies only to wages or other earnings = already=20 earned at the time of the assignment.

(4) A nonpossessory security interest in household goods other = than a=20 purchase-money security interest.

=A7 535.3   Unfair or deceptive cosigner=20 practices.
=20 top

(a) General. In connection with the extension of credit = to=20 consumers after January 1, 1986, it is:

(1) A deceptive act or practice within the meaning of section 5 = of the=20 Act for a savings association, directly or indirectly, to = misrepresent the=20 nature or extent of cosigner liability to any person.

(2) An unfair act or practice within the meaning of section 5 = of the=20 Act for a savings association, directly or indirectly, to obligate = a=20 cosigner unless the cosigner is informed, prior to becoming = obligated, of=20 the nature of his or her liability as cosigner.

(b) Disclosure requirement. (1) A clear and conspicuous = document=20 that shall contain the following statement or one which is = substantially=20 equivalent, shall be given to the consigner prior to becoming = obligated=20 (which, in the case of open-end credit, shall mean prior to the = time that=20 the cosigner becomes obligated for any fees or transaction on the=20 account):

Notice of Cosigner

You are being asked to guarantee this debt. Think carefully = before you=20 do. If the borrower doesn't pay the debt, you will have to. Be = sure you=20 can afford to pay if you have to, and that you want to accept this = responsibility.

You may have to pay up to the full amount of the debt if the = borrower=20 does not pay. You may also have to pay late fees or collection = costs,=20 which increase this amount.

The creditor can collect this debt from you without first = trying to=20 collect from the borrower. The creditor can use the same = collection=20 methods against you that can be used against the borrower, such as = suing=20 you, garnishing your wages, etc. If this debt is ever in default, = that=20 fact may become a part of your credit record.

(2) Compliance with the disclosure requirement under paragraph = (b)(1)=20 of this section shall constitute compliance with the consumer = information=20 requirement of paragraph (a)(2) of this section.

(3) If the notice is a separate document, nothing other than = the=20 following times may appear with the notice:

(i) The name and address of the savings association;

(ii) An identification of the debt to be cosigned (e.g., a loan = identification number);

(iii) The date; and

(iv) The statement, =93This notice is not the contract that = makes you=20 liable for the debt.=94

=A7 535.4   Late charges.
=20 top

(a) In connection with collecting a debt arising out of an = extension of=20 credit to a consumer after January 1, 1986, it is an unfair act or = practice within the meaning of section 5 of the Act for a savings=20 association, directly or indirectly, to levy or collect any = delinquency=20 charge on a payment, which payment is otherwise a full payment for = the=20 applicable period and is paid on its due date or within an = applicable=20 grace period, when the only delinquency is attributable to late = fee(s) or=20 delinquency charge(s) assessed on earlier installment(s).

(b) For the purposes of this part, =93collecting a debt=94 = means any=20 activity, other than the use of judicial process, that is intended = to=20 bring about or does bring about repayment of all or part of a = consumer=20 debt.

=A7 535.5   State exemptions.
=20 top

(a) Upon application to the Office by an appropriate state = agency, the=20 Office shall determine if:

(1) There is a state requirement or prohibition in effect that = applies=20 to any transaction to which a provision of this rule applies; = and

(2) The state requirement or prohibition affords a level of = protection=20 to consumers that is substantially equivalent to, or greater than, = the=20 protection afforded by this rule.

(b) If the Office makes a determination as specified under = paragraph=20 (a) of this section, then that provision of this section will not = be in=20 effect in that state to the extent specified by the Office in its=20 determination, for as long as the state administers and enforces = the state=20 requirement or prohibition effectively, as determined by the = Office.

(c) The Director of Consumer Affairs in consultation with the = Chief=20 Counsel shall have delegated authority to make such determinations = as are=20 required under this part 535.

Browse=20 Previous | Browse=20 Next

For questions or comments = regarding e-CFR=20 editorial content, features, or design, email ecfr@nara.gov.

For = questions=20 concerning e-CFR programming and delivery issues, email webteam@gpo.gov.

Section = 508 / Accessibility

 

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