TILA (Truth in Lending Act, 15 U.S.C.) § 1639f — Requirements for prompt crediting of home loan payments

tila-15usc-1639f

TILA (Truth in Lending Act, 15 U.S.C.), §1639f Requirements for prompt crediting of home loan payments. Captured section-complete from uscode.house.gov (verbatim).

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Verbatim regulatory text (3)

Verbatim provisions from TILA (Truth in Lending Act, 15 U.S.C.) § 1639f — Requirements for prompt crediting of home loan payments — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

15 U.S.C. §1639f(a)

(a) In general In connection with a consumer credit transaction secured by a consumer’s principal dwelling, no servicer shall fail to credit a payment to the consumer’s loan account as of the date of receipt, except when a delay in crediting does not result in any charge to the consumer or in the reporting of negative information to a consumer reporting agency, except as required in subsection (b).

Source: TILA (Truth in Lending Act, 15 U.S.C.) § 1639f · source URL · snapshot 1247f7c83e87af53

15 U.S.C. §1639f(b)

(b) Exception If a servicer specifies in writing requirements for the consumer to follow in making payments, but accepts a payment that does not conform to the requirements, the servicer shall credit the payment as of 5 days after receipt.

Source: TILA (Truth in Lending Act, 15 U.S.C.) § 1639f · source URL · snapshot 1247f7c83e87af53

15 U.S.C. §1639f note — source credit and editorial notes (not statute text)

(Pub. L. 90–321, title I, § 129F, as added Pub. L. 111–203, title XIV, § 1464(a), July 21, 2010, 124 Stat. 2184.)

Source: 15 U.S.C. §1639f note — source credit and editorial notes (not statute text) · source URL · snapshot 1247f7c83e87af53

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Source of record: https://claudeforcompliance.com/regs/tila-15usc-1639f/ · register tila-15usc-1639f · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.