---
kind: "unit"
title: "15"
title_heading: "Commerce and Trade"
key: "ch41/schI/ptA"
level: "part"
label: "Part A"
heading: "General Provisions"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/ch41-schI-ptA"
sections_count: 16
---

# Part A — General Provisions

Title 15 — Commerce and Trade › Chapter 41 — Consumer Credit Protection › Subchapter I — Consumer Credit Cost Disclosure

## Sections

- [§1601. Congressional findings and declaration of purpose](/usc/15/1601.md)
- [§1602. Definitions and rules of construction](/usc/15/1602.md)
- [§1603. Exempted transactions](/usc/15/1603.md)
- [§1604. Disclosure guidelines](/usc/15/1604.md)
- [§1605. Determination of finance charge](/usc/15/1605.md)
- [§1606. Determination of annual percentage rate](/usc/15/1606.md)
- [§1607. Administrative enforcement](/usc/15/1607.md)
- [§1608. Views of other agencies](/usc/15/1608.md)
- [§1609. Repealed.](/usc/15/1609.md)
- [§1610. Effect on other laws](/usc/15/1610.md)
- [§1611. Criminal liability for willful and knowing violation](/usc/15/1611.md)
- [§1612. Effect on government agencies](/usc/15/1612.md)
- [§1613. Annual reports to Congress by Bureau](/usc/15/1613.md)
- [§1614. Repealed.](/usc/15/1614.md)
- [§1615. Prohibition on use of “Rule of 78’s” in connection with mortgage refinancings and other consumer loans](/usc/15/1615.md)
- [§1616. Board review of consumer credit plans and regulations](/usc/15/1616.md)