---
kind: "unit"
title: "15"
title_heading: "Commerce and Trade"
key: "ch41/schI/ptB"
level: "part"
label: "Part B"
heading: "Credit Transactions"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/ch41-schI-ptB"
sections_count: 31
---

# Part B — Credit Transactions

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

## Sections

- [§1631. Disclosure requirements](/usc/15/1631.md)
- [§1632. Form of disclosure; additional information](/usc/15/1632.md)
- [§1633. Exemption for State-regulated transactions](/usc/15/1633.md)
- [§1634. Effect of subsequent occurrence](/usc/15/1634.md)
- [§1635. Right of rescission as to certain transactions](/usc/15/1635.md)
- [§1636. Repealed.](/usc/15/1636.md)
- [§1637. Open end consumer credit plans](/usc/15/1637.md)
- [§1637a. Disclosure requirements for open end consumer credit plans secured by consumer’s principal dwelling](/usc/15/1637a.md)
- [§1638. Transactions other than under an open end credit plan](/usc/15/1638.md)
- [§1638a. Reset of hybrid adjustable rate mortgages](/usc/15/1638a.md)
- [§1639. Requirements for certain mortgages](/usc/15/1639.md)
- [§1639a. Duty of servicers of residential mortgages](/usc/15/1639a.md)
- [§1639b. Residential mortgage loan origination](/usc/15/1639b.md)
- [§1639c. Minimum standards for residential mortgage loans](/usc/15/1639c.md)
- [§1639d. Escrow or impound accounts relating to certain consumer credit transactions](/usc/15/1639d.md)
- [§1639e. Appraisal independence requirements](/usc/15/1639e.md)
- [§1639f. Requirements for prompt crediting of home loan payments](/usc/15/1639f.md)
- [§1639g. Requests for payoff amounts of home loan](/usc/15/1639g.md)
- [§1639h. Property appraisal requirements](/usc/15/1639h.md)
- [§1640. Civil liability](/usc/15/1640.md)
- [§1641. Liability of assignees](/usc/15/1641.md)
- [§1642. Issuance of credit cards](/usc/15/1642.md)
- [§1643. Liability of holder of credit card](/usc/15/1643.md)
- [§1644. Fraudulent use of credit cards; penalties](/usc/15/1644.md)
- [§1645. Business credit cards; limits on liability of employees](/usc/15/1645.md)
- [§1646. Dissemination of annual percentage rates; implementation, etc.](/usc/15/1646.md)
- [§1647. Home equity plans](/usc/15/1647.md)
- [§1648. Reverse mortgages](/usc/15/1648.md)
- [§1649. Certain limitations on liability](/usc/15/1649.md)
- [§1650. Preventing unfair and deceptive private educational lending practices and eliminating conflicts of interest](/usc/15/1650.md)
- [§1651. Procedure for timely settlement of estates of decedent obligors](/usc/15/1651.md)