Consumer Law in Oregon - eBook on Equal Credit Opportunity Act (2013)

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Item Code:
 445.13EB08
 
SUMMARY
This chapter is excerpted from the 2013 edition of Consumer Law in Oregon, which will enable you to protect your clients' financial interests and advise them about available rights and remedies. PDF Download - After purchase go to My Content to retrieve your digital file(s).
DESCRIPTION
Chapter 8
EQUAL CREDIT OPPORTUNITY ACT
Theresa L. Wright

§8.1 INTRODUCTION

§8.2 ESSENTIAL ELEMENTS

§8.2-1 Extension of Credit
§8.2-2 Prohibition on Discrimination
§8.2-3 Completed Applications
§8.2-4 Prohibited Requests for Information
§8.2-5 Evaluation of Applications
§8.2-6 Notification that Applicant Qualifies for Credit
§8.2-7 Requirement of a Cosigner
§8.2-8 Appraisal Report
§8.2-9 Account Name
§8.2-10 Adverse Action
§8.2-11 Open-End Credit
§8.2-12 Incomplete Applications
§8.2-13 Records Retention
§8.2-14 Furnishing Credit Information

§8.3 TYPICAL PARTIES AND FACT SITUATIONS

§8.3-1 Marital Status; Joint Assets
§8.3-2 Death of Spouse
§8.3-3 Inaccurate Notice of Adverse Action
§8.3-4 Sources of Income; Requirement of Cosigner
§8.3-5 Racial Identification; Retail Sales

§8.4 ADVANTAGES

§8.5 PITFALLS AND HAZARDS

§8.6 REMEDIES AND DAMAGES

§8.6-1 Civil Damages
§8.6-2 Punitive Damages
§8.6-3 Administrative Enforcement

§8.7 DEFENSES

§8.7-1 Statute of Limitations
§8.7-2 Inadvertent Error
§8.7-3 Reliance on Consumer Financial Protection Bureau Rule, Regulation, or Interpretation
§8.7-4 Reliance on Model Forms
§8.7-5 Election of Remedies
§8.7-6 Arbitration Clauses

§8.8 PLEADING AND PRACTICE

§8.8-1 Jurisdiction
§8.8-2 Preempted State Claims