Consumer Credit Resources

These resources provide information about adverse action notices and credit card lending.

Consumer Credit and Lease Transactions (Regulation Z - Truth in Lending and Regulation M - Consumer Leasing)

Annual Adjustment to Dollar Threshold for Exempt Consumer Leases under the Consumer Leasing Act and Regulation M (Effective Jan. 1, 2019)

Annual Adjustment to Dollar Threshold for Exempt Consumer Credit Transactions under the Truth in Lending Act and Regulation Z (Effective Jan. 1, 2019)

Annual Adjustment to Dollar Threshold for Exempt Consumer Leases under the Consumer Leasing Act and Regulation M (Effective Jan. 1, 2018)

Annual Adjustment to Dollar Threshold for Exempt Consumer Leases under the Consumer Leasing Act and Regulation M (Effective Jan. 1, 2017)​ 

Annual Adjustment to Dollar Threshold for Exempt Consumer Credit Transactions under the Truth in Lending Act and Regulation Z (Effective Jan. 1, 2017)​

Fair Credit Reporting Act (FCRA) (Regulation V - Fair Credit Reporting)

Consumer Financial Protection Update 19-01, CFPB Announces Annual Adjustment Under Fair Credit Reporting Act (Jan. 15, 2019)

BCFP Summaries of Rights Under the Fair Credit Reporting Act (Regulation V) Interim Final Rule (Effective Sept. 21, 2018)

CFPB Notice Regarding Charges for Certain Disclosures Under the Fair Credit Reporting Act (Effective Jan. 1, 2018)

CFPB Notice Regarding Charges for Certain Disclosures Under the Fair Credit Reporting Act (Effective Jan. 1, 2017) 

FTC Adjustment of Civil Monetary Penalty Am​ounts Interim Final Rule (effective Aug. 1, 2016) ​

CFPB Compliance Bulletin FCRA’s Requirement That Furnishers Establish and Implement Reasonable Written Policies and Procedures Regarding the Accuracy and Integrity of Information Furnished to All Consumer Reporting Agencies (Issued Feb. 3, 2016) 

CFPB FCRA (Effective Jan. 1, 2016) 

Credit Card Accountability Responsibility and Disclosure Act (CARD Act) (Regulation Z - Truth in Lending)

Truth in Lending (Regulation Z) Annual Threshold Adjustments (CARD Act, HOEPA and ATR/QM) (effective Jan. 1, 2018)

CFPB Submission of Credit Card Agreements Under the Truth in Lending Act (Regulation Z) Notice of Expiration of Suspension (Issued April 5, 2016)

CFPB Submission of Credit Card Agreements Under the Truth in Lending Act (Regulation Z)


Questions? Contact the Division of Consumer Compliance Policy and Outreach in NCUA's Office of Consumer Financial Protection​at compliancemail@ncua.gov.