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United States Code reference center

Title 15, Chapter 41 — Consumer Credit Protection

Official-source directory

Every subchapter in one reference center

Browse 174 current and historically listed sections across Title 15, Chapter 41. Each destination includes its U.S.C. citation, a plain-language orientation, and a direct link to the official U.S. Code.

Open official Chapter 41 ↗
Source inventory checked July 22, 2026. Section titles and links use the U.S. House Office of the Law Revision Counsel’s preliminary U.S. Code. Briefings are educational orientation, not legal advice or a substitute for the statutory text.
Subchapter I · 77 sections

Consumer Credit Cost Disclosure

Truth in Lending Act and related provisions

Organizes federal provisions on credit-cost disclosures, credit transactions, advertising, credit billing, and consumer leases.

15 U.S.C. §§ 1601–1667fView every section →
Subchapter II · 7 sections

Restrictions on Garnishment

Federal wage-garnishment protections

Covers federal limits on garnishment and specified employment protections, enforcement, and interaction with state law.

15 U.S.C. §§ 1671–1677View every section →
Subchapter II-A · 11 sections

Credit Repair Organizations

Credit Repair Organizations Act (CROA)

Covers federal requirements, disclosures, contract rules, cancellation rights, enforcement, and liability for covered credit repair organizations.

15 U.S.C. §§ 1679–1679jView every section →
Subchapter III · 31 sections

Credit Reporting Agencies

Fair Credit Reporting Act (FCRA)

Covers consumer reports, permissible purposes, consumer disclosures and disputes, furnisher responsibilities, enforcement, liability, identity theft, and related protections.

15 U.S.C. §§ 1681–1681xView every section →
Subchapter IV · 9 sections

Equal Credit Opportunity

Equal Credit Opportunity Act (ECOA)

Covers prohibited credit discrimination, definitions, rulemaking, enforcement, self-testing, small-business lending data, and civil liability.

15 U.S.C. §§ 1691–1691fView every section →
Subchapter V · 17 sections

Debt Collection Practices

Fair Debt Collection Practices Act (FDCPA)

Covers covered debt-collector communications and conduct, validation information, venue, liability, enforcement, and the relationship to state regulation.

15 U.S.C. §§ 1692–1692pView every section →
Subchapter VI · 22 sections

Electronic Fund Transfers

Electronic Fund Transfer Act (EFTA)

Covers electronic-transfer disclosures, documentation, preauthorized transfers, error resolution, consumer and institution liability, remittances, enforcement, and state-law interaction.

15 U.S.C. §§ 1693–1693rView every section →