Inaccurate and Unfair Billing Practices, Hearings Before the Subcommittee on Consumer Credit of ..., 93-1 on S. 1630 and S. 914 ..., May 21, 22, 23, and 24, 1973
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actual additional adjusted balance amended amount annual apply average daily balance balance method bank believe billing Board card issuer cardholder cash cents claims class action Commission concerned consumer consumer credit cost course court credit card creditor customers defenses difference disclosure effect error example extension fact Fair Federal Federal Reserve Board finance charge follows give going holder imposed included income increase indicated individual interest involved issued legislation Lending Act less liability limitation loan means merchant method million month monthly obligor operation paid payment percent percentage period person practices present previous balance problem proposed protection provisions purchase question reasonable received record regulation result retailers revolving rule Senator PROXMIRE statement suggest tion transaction Truth in Lending violations
172 페이지 - Commission, notwithstanding that such rule, regulation, or order may, after such act or omission, be amended or rescinded or be determined by judicial or other authority to be invalid for any reason.
167 페이지 - In determining the amount of award in any class action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditor's failure of compliance was intentional.
159 페이지 - This title does not apply to the following : (1) Credit transactions involving extensions of credit for business or commercial purposes, or to government or governmental agencies or instrumentalities, or to organizations. (2) -Transactions in securities or commodities accounts by a broker-dealer registered with the Securities and Exchange Commission. (3) Credit transactions, other than real property transactions, in which the total amount to be financed exceeds $25,000.
173 페이지 - ... (1) twice the amount of the finance charge in connection with the transaction, except that the liability under this paragraph shall not be less than $100 nor greater than $1,000 ; and (2) in the case of any successful action to enforce the foregoing liability, the costs of the action together with a reasonable attorney's fee as determined by the court.
225 페이지 - ... (1) Fees or premiums for title examination, title insurance, or similar purposes. (2) Fees for preparation of a deed, settlement statement, or other documents. (3) Escrows for future payments of taxes and insurance. (4) Fees for notarizing deeds and other documents. (5) Appraisal fees. (6) Credit reports.
10 페이지 - ... unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. (c...
213 페이지 - Subject to the limitation contained in subsection (b), a card issuer who has issued a credit card to a cardholder pursuant to an open end consumer credit plan shall be subject to all claims (other than tort claims) and defenses arising out of any transaction in which the credit card is used as a method of payment or extension of credit...
249 페이지 - ... years ? Mr. DONAHUE. Roughly a year or so, I would say, would be a sufficient time to see whether this Board is having the type of constructive effect of providing equity and fairness in the administration of this law. Mr. ROOSEVELT. Mr. Goodell ? Mr. GOODELL. Mr. Donahue, I appreciate your being here, and I have a number of questions I would like to ask you. I also appreciate your concern that we instituted some new procedures, here, where they are obviously very necessary, because of past problems....
404 페이지 - Operations; and Glen Troop, Legislative Director. League headquarters are at 111 East Wacker Drive, Chicago, Illinois 60601; and the Washington Office is located at 1709 New York Avenue, NW, Washington, DC 20006, Telephone: 785-9150 borrowers.
103 페이지 - ... used as a method of payment or extension of credit if (1) the obligor has made a good faith attempt to obtain satisfactory resolution of a disagreement or problem relative to the transaction from the person honoring the credit card ; (2) the amount of the initial transaction exceeds $50; and (3) the place where the initial transaction occurred was in the same State as the mailing address previously provided by the cardholder or was within 100 miles from such address, except that the limitations...