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Mass. Gen. Laws ch. 140D – Consumer Credit Cost Disclosure | Midpage
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Massachusetts General Laws
Part I
Title XX
Chapter 140D
Mass. Gen. Laws ch. 140D
Consumer Credit Cost Disclosure
1
Definitions
2
Exempt transactions
3
Rules and regulations
4
Finance charge; determination
5
Annual percentage rate; determination
6
Inaccurate disclosure of finance charge or annual percentage rate; adjustment
7
Disclosure of information; multiple creditors or obligors; estimates
8
Disclosure of information; clear and conspicuous statements
9
Information rendered inaccurate
10
Security interest in property used as dwelling; rescission; liability; application
11
Disclosure; open end credit plans; statement; contents
12
Disclosure; other than open-end-credit plans; statement; contents
14
Multiple-page advertisements; contents; open-end-credit plan
15
Advertisements; other than open-end-credit plans; contents
15A
Application form or pre-approved written solicitation for open-end credit plan; contents
16
Liability of owner or personnel of advertising medium
17
Oral response to cost of credit inquiry
18
Model disclosure forms and clauses
19
Time for sending statement; noncompliance; finance charge
20
Sale of goods or services at retail; finance charge under open-end-credit plan; computation
21
Application of credit cardholder's funds held by issuer; authorization; agreement statement
22
Credit balance exceeding one dollar; periodic statement disclosure; contents
23
Transfer of funds following default of debt; written notice; applicability
24
Guaranty of obligations of other persons; notice of additional obligations
25
Issuance of credit cards
26
Cardholder liability for unauthorized use
27
Unauthorized use of credit cards
28
Liability of business for unauthorized use of credit cards
28A
Cardholder discounts; surcharges; finance charge
28B
Participation in credit card plans; conditions
29
Rules and regulations; consistency with Federal Fair Credit Billing Act
30
Inspection of records
31
Prohibited acts; penalty
32
Creditor's failure to comply with law; damages
33
Civil actions against subsequent assignees of creditor; written acknowledgement; rescission
34
Unfair trade practices; violations
35
Limitations on creditors' liability and consumer rescission rights
36
Exemption from requirements of federal law; action for determination by bureau that commonwealth requirements substantially similar to federal requirements