CCPA – Consumer Credit Protection (Truth in Lending) Act of 1968, Pub. L. No. 90-231

“An Act … To safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit; by restricting the garnishment of wages; and by creating the National Commission on Consumer Finance to study and make recommendations on the need for further regulation of the consumer finance industry; and for Other purposes.”

Enacted as United States Public Law 90-231, on May 29, 1968; compiled at 82 Stat. 146; numerous amendments have been enacted;

“§1 This Act may be cited as the Consumer Credit Protection Act.”

The CCPA is composed of four titles relating to consumer credit:

Title I–Consumer Credit Cost Disclosure, §§101-145; Codified in statute 15 USC 1601-1667 et seq., “§101 Short title – This title may be cited as the Truth in Lending Act”; Regulations > See 12 CFR Part 1026 et seq., plus numerous Appendices, “Truth in Lending”;

Title II–Extortionate Credit Transactions, §§201-203; Amended Title 18 of the United States Code by inserting this Title as Chapter 42-Extortionate Credit Transactions; Codified in statute 18 USC 891-896 et seq.;

Title III—Restriction on Garnishment, §§301-307; Codified in statute 15 USC 1671-1677 et seq.; Regulations > See 29 CFR Part 870-899, “Garnishment of Earnings”;

Title IV—National Commission on Consumer Finance, §§401-504; Codified in statute 15 USC 1601-1681 et seq.; Regulations – See 12 CFR Part 1026 et seq., plus numerous Appendices, “Truth in Lending”;

Amendments – numerous amendments have been added in subsequent public laws comprising additional §§601-923 that modify the Titles above.

See also the Parallel Table of Authorities and Rules provided by the US Government Printing Office for further information.