Virginia Law

Web Address

Application Disclosure for First Mortgage Loans (§ 6.1-2.9:5)

http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+6.1-2.9C5

Bureau of Financial Institutions (contains links to Regulations, Administrative Letters and forms)

http://www.scc.virginia.gov/division/banking/index.htm

Consumer Finance Act (§ 6.1-245)

http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+6.1-245

Consumer Protection Act (§ 59.1-196)

http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+59.1-196

CRESPA (§ 6.1-2.19)

http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+6.1-2.19

Money and Interest (§§ 6.1-330.47 through 6.1-330.90)

http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+6.1-330.47

Money Order, Sales, and Money Transmission Services (§ 6.1-370)

http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+6.1-370

Mortgage Lender and Broker Act (§ 6.1-408)

http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+6.1-408

Wet Settlement Act (§ 6.1-210)

http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+6.1-2.10

Federal Law

Truth in Lending Act (TILA) (15 U.S.C. § 1601

http://www.fdic.gov/regulations/laws/rules/6500-200.html#6500101

Regulation Z (12 C.F.R § 226)

http://www.access.gpo.gov/nara/cfr/waisidx_03/12cfr226_03.html

Equal Credit Opportunity Act (ECOA) (15 U.S.C. § 1691)

http://www.fdic.gov/regulations/laws/rules/6500-1200.html

Regulation B (12 C.F.R. § 202)

http://www.access.gpo.gov/nara/cfr/waisidx_03/12cfr202_03.html

Fair Credit Reporting Act (FCRA) (15 U.S.C. § 1681)

http://www.ftc.gov/os/statutes/031224fcra.pdf

Title V of the Gramm-Leach-Bliley Act

http://www.ftc.gov/privacy/glbact/glbsub1.htm

FTC

www.ftc.gov

Fair Debt Collection Practices Act (15 U.S.C. § 1692)

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

Homeowner's Protection Act of 1998 (12 U.S.C. § 4901)

http://uscode.house.gov/download/pls/12C49.txt

RESPA

Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. § 2601)

http://www.fdic.gov/regulations/laws/rules/6500-2530.html

Regulation X (24 C.F.R. § 3500)

http://www.access.gpo.gov/nara/cfr/waisidx_99/24cfr3500_99.html

HUD's RESPA website

http://www.hud.gov/offices/hsg/sfh/res/respa_hm.cfm

RESPA Settlement Agreements

http://www.hud.gov/offices/hsg/sfh/res/resetagr.cfm

Statements of Policy

http://www.hud.gov/offices/hsg/sfh/res/respapol.cfm

FTC Rules

Telemarketing Sales Rule (16 C.F.R. § 310)

http://www.access.gpo.gov/nara/cfr/waisidx_03/16cfr310_03.html

Privacy of Consumer Financial Information (16 C.F.R. § 313)

Standards for Safeguarding Customer Information (16 C.F.R. § 314)

http://www.access.gpo.gov/nara/cfr/waisidx_03/16cfr314_03.html

Door to Door Rule (16 C.F.R. § 429)

http://www.access.gpo.gov/nara/cfr/waisidx_03/16cfr429_03.html

Preservation of Consumers' Claims and Defenses (16 C.F.R. § 433)

Credit Practices Rule (16 C.F.R. § 444)

http://www.access.gpo.gov/nara/cfr/waisidx_00/16cfr444_00.html

Used Motor Vehicles (16 C.F.R. § 455)

http://www.access.gpo.gov/nara/cfr/waisidx_03/16cfr455_03.html

Fair Credit Reporting Act

      Statements of General Policy or Interpretations (16 C.F.R. §§ 600.1-600.2)

http://www.access.gpo.gov/nara/cfr/waisidx_03/16cfr600_03.html

      Fair and Accurate Credit Transactions Act of 2003 (16 C.F.R. § 602.1)

http://www.gpo.gov/nara/cfr/waisidx_04/16cfr602_04.html

      Definitions (16 C.F.R. § 603.1)

http://www.access.gpo.gov/nara/cfr/waisidx_05/16cfr603_05.html

      Fair Credit Reporting Act Rules (16 C.F.R. § 604.1)

http://www.access.gpo.gov/nara/cfr/waisidx_05/16cfr604_05.html

      Free Annual File Disclosures (16 C.F.R. §§ 610.1 to 610.3)

http://www.access.gpo.gov/nara/cfr/waisidx_05/16cfr610_05.html

      Prohibition against Circumventing Treatment as a Nationwide Consumer Reporting Agency (16 C.F.R §§ 611.1 to 611.3)

http://www.access.gpo.gov/nara/cfr/waisidx_05/16cfr611_05.html

      Duration of Active Duty Alerts (16 C.F.R. § 613.1)

http://www.access.gpo.gov/nara/cfr/waisidx_05/16cfr613_05.html

      Appropriate Proof of Identity (16 C.F.R. § 614.1)

http://www.access.gpo.gov/nara/cfr/waisidx_05/16cfr614_05.html

      Prescreen Opt-out Notice (16 C.F.R. § 642.1 to 642.4)

http://www.access.gpo.gov/nara/cfr/waisidx_06/16cfr642_06.html

      Disposal of Consumer Report Information and Records (16 C.F.R. §§ 682.1 to 682.5)

http://www.access.gpo.gov/nara/cfr/waisidx_05/16cfr682_05.html

      Model Forms and Disclosures (16 C.F.R. §§ 698.1 to 698.3)

http://www.access.gpo.gov/nara/cfr/waisidx_05/16cfr698_05.html

Magnuson-Moss Act

      Interpretations of Magnuson-Moss Warranty Act (16 C.F.R. §§ 700.1 to 700.12)

http://www.access.gpo.gov/nara/cfr/waisidx_03/16cfr700_03.html

      Disclosures of Written Consumer Product Warranty Terms and Conditions (16 C.F.R. §§ 701.1 to 701.4)

http://www.access.gpo.gov/nara/cfr/waisidx_03/16cfr701_03.html

      Pre-Sale Availability of Written Warranty Terms (16 C.F.R. §§ 702.1 to 702.3)

http://www.access.gpo.gov/nara/cfr/waisidx_03/16cfr702_03.html

      Informal Dispute Settlement Procedures (16 C.F.R. §§ 703.1 to 703.8)

http://www.access.gpo.gov/nara/cfr/waisidx_03/16cfr703_03.html