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The Consumer Credit Protection Act (CCPA) is a United States law Pub. L. 90–321, 82 Stat. 146, enacted May 29, 1968, composed of several titles relating to consumer credit, mainly title I, the Truth in Lending Act, title II related to extortionate credit transactions, title III related to restrictions on wage garnishment, and title IV related to the National Commission on Consumer Finance.
The CCCRA allows consumers to request a copy of their credit file with a thorough explanation of any codes used, credit score with related information, records of any third party requests made for the consumer's files, and the identifiable information of any party third party that has received the consumer's file. [16]
CCPA defines personal information as information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked (directly or indirectly) with a particular consumer or household such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol ...
Consumer Credit Protection Act of 1968, a United States federal wage garnishment law United States Court of Customs and Patent Appeals (1909–1982), a former United States federal court Education and culture
The Truth in Lending Act was originally Title I of the Consumer Credit Protection Act, Pub. L. 90–321, 82 Stat. 146, enacted May 29, 1968. [2] The regulations implementing the statute, which are known as "Regulation Z", are codified at 12 CFR 226. Most of the specific requirements imposed by TILA are found in Regulation Z, so a reference to ...
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The CCPA’s initial drafting and placement on the 2018 ballot was led by Alastair Mactaggart. [12] He later came to an agreement with Californian lawmakers to pass a scaled back version of the CCPA which was ultimately signed into law by Governor Brown. Although passed in 2018, the CCPA would not come into effect until January 1, 2020. [11]
[14] The American Bankers Association, in its letter responding to the CFPB's request for information on the impact of the act, argued that following the implementation of the CARD Act and associated regulations, "average credit card interest rates have increased and credit card credit is less available, especially to subprime borrowers" and ...