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15 U.S.C. 1639: Requirements for certain mortgages

Created in 1994 by Public Law 90-321. Changed by 3 later laws. No bill we track in this Congress changes it.

4 other sections of the Code cite this one, including 15 U.S.C. 1602, 15 U.S.C. 1604, 15 U.S.C. 1610, 15 U.S.C. 1640.

1 part of federal rules cite it as their authority, written by Federal Reserve System (1).

This Congress

No bill we track in the 119th Congress changes this section.

    How it got here

    2018

    • Pub. L. 115–174 added par. (3) and redesignated former par. (3) as (4). (Economic Growth, Regulatory Relief, and Consumer Protection Act) Law text · (b), (4)

    2010

    • Pub. L. 111–203, §1100A(2), substituted "Bureau" for "Board" wherever appearing. (Dodd-Frank Wall Street Reform and Consumer Protection Act) Law text
    • Pub. L. 111–203, §1432(a), struck out par. (2) which related to exception to prepayment penalty prohibition. (Dodd-Frank Wall Street Reform and Consumer Protection Act) Law text · (c)
    • Pub. L. 111–203, §1432(b), amended subsec. (e) generally. Prior to amendment, text read as follows: "A mortgage referred to in section 1602(aa) of this title having a term of less than 5 years may not include terms under which the aggregate amount of the regular periodic payments would… (Dodd-Frank Wall Street Reform and Consumer Protection Act) Law text · (e)
    • Pub. L. 111–203, §1433(a)(2), added subsecs. (j) to (l). Former subsecs. (j) to (l) redesignated (n) to (p), respectively. (Dodd-Frank Wall Street Reform and Consumer Protection Act) Law text · (j), (k), (l)
    • Pub. L. 111–203, §1433(a)(2), added subsec. (m). Former subsec. (m) redesignated (q). (Dodd-Frank Wall Street Reform and Consumer Protection Act) Law text · (m)
    • Pub. L. 111–203, §1100A(9), added subsec. (m) and struck out former subsec. (m). Prior to amendment, text read as follows: "For purposes of enforcement by the Federal Trade Commission, any violation of a regulation issued by the Federal Reserve Board pursuant to subsection (l)(2) of this section sh… (Dodd-Frank Wall Street Reform and Consumer Protection Act) Law text · (m)
    • Pub. L. 111–203, §1433(a)(1), redesignated former subsecs. (j) to (m) as (n) to (q), respectively. (Dodd-Frank Wall Street Reform and Consumer Protection Act) Law text · (n), (o), (p), (q)
    • Pub. L. 111–203, §1433(b)–(f), added subsecs. (r) to (v). (Dodd-Frank Wall Street Reform and Consumer Protection Act) Law text · (r), (s), (t), (u), (v)

    2009

    • Pub. L. 111–8 added subsec. (m). (Omnibus Appropriations Act, 2009) Law text · (m)

    Text, outline and history from the official U.S. Code (2024 edition) on GovInfo, published by the Office of the Law Revision Counsel. Changes made after that edition appear under This Congress.