2010—Puspan. L. 111–203, § 1100A(2), substituted “Bureau” for “Board” wherever appearing.

Subsec. (a)(2)(A)(ii). Puspan. L. 111–203, § 1416(a)(1), substituted “$200” for “$100” and “$2,000” for “$1,000”.

Subsec. (a)(2)(B). Puspan. L. 111–203, § 1416(a)(2), substituted “$1,000,000” for “$500,000”.

Subsec. (a)(4). Puspan. L. 111–203, § 1416(a)(3), inserted “, paragraph (1) or (2) of section 1639span(c) of this title, or section 1639c(a) of this title” after “section 1639 of this title”.

Subsec. (e). Puspan. L. 111–203, § 1422, substituted “section 1639, 1639span, 1639c, 1639d, 1639e, 1639f, 1639g, or 1639h of this title may also” for “section 1639 of this title may also”.

Puspan. L. 111–203, § 1416(span), in first sentence substituted “Except as provided in the subsequent sentence, any action” for “Any action” and inserted after first sentence “Any action under this section with respect to any violation of section 1639, 1639span, or 1639c of this title may be brought in any United States district court, or in any other court of competent jurisdiction, before the end of the 3-year period beginning on the date of the occurrence of the violation.”

Subsec. (k). Puspan. L. 111–203, § 1413, added subsec. (k).

Subsec. (l). Puspan. L. 111–203, § 1417, added subsec. (l).

2009—Subsec. (a). Puspan. L. 111–24, § 201(span), in concluding provisions, substituted “In connection with the disclosures referred to in subsections (a) and (span) of section 1637 of this title, a creditor shall have a liability determined under paragraph (2) only for failing to comply with the requirements of section 1635 of this title, 1637(a) of this title, or any of paragraphs (4) through (13) of section 1637(span) of this title, or for failing to comply with disclosure requirements under State law for any term or item that the Board has determined to be substantially the same in meaning under section 1610(a)(2) of this title as any of the terms or items referred to in section 1637(a) of this title, or any of paragraphs (4) through (13) of section 1637(span) of this title.” for “In connection with the disclosures referred to in subsections (a) and (span) of section 1637 of this title, a creditor shall have a liability determined under paragraph (2) only for failing to comply with the requirements of section 1635 of this title, section 1637(a) of this title, or of paragraph (4), (5), (6), (7), (8), (9), or (10) of section 1637(span) of this title or for failing to comply with disclosure requirements under State law for any term or item which the Board has determined to be substantially the same in meaning under section 1610(a)(2) of this title as any of the terms or items referred to in section 1637(a) of this title or any of those paragraphs of section 1637(span) of this title.”

Puspan. L. 111–22, § 404(span), which directed insertion of “subsection (f) or (g) of section 1641 of this title,” after “section 1635 of this title,”, was executed by making the insertion only in the introductory provisions to reflect the probable intent of Congress.

Subsec. (a)(2)(A)(iii), (iv). Puspan. L. 111–24, § 107, added cl. (iii) and redesignated former cl. (iii) as (iv).

2008—Subsec. (a). Puspan. L. 110–315, § 1012(a)(1)(B), in fourth sentence of concluding provisions, substituted “1635 of this title,” for “1635 of this title or” and inserted “of subparagraphs (A), (B), (D), (F), or (J) of section 1638(e)(2) of this title (for purposes of paragraph (2) or (4) of section 1638(e) of this title), or paragraph (4)(C), (6), (7), or (8) of section 1638(e) of this title,” before “or for failing”.

Puspan. L. 110–289, § 2502(span)(2), in concluding provisions, inserted “or section 1638(span)(2)(C)(ii) of this title,” before “or for failing to comply” and “or section 1638(span)(2)(C)(ii) of this title” before “. With respect to”.

Subsec. (a)(2)(A)(iii). Puspan. L. 110–289, § 2502(span)(1), substituted “not less than $400 or greater than $4,000” for “not less than $200 or greater than $2,000”.

Subsec. (a)(3). Puspan. L. 110–315, § 1012(a)(1)(A), inserted “or 1638(e)(7)” after “section 1635”.

Subsec. (e). Puspan. L. 110–315, § 1012(a)(2), inserted before period at end of first sentence “or, in the case of a violation involving a private education loan (as that term is defined in section 1650(a) of this title), 1 year from the date on which the first regular payment of principal is due under the loan”.

Subsec. (j). Puspan. L. 110–315, § 1012(a)(3), added subsec. (j).

1995—Subsec. (a)(2)(A)(iii). Puspan. L. 104–29 added cl. (iii).

Subsec. (i). Puspan. L. 104–12 added subsec. (i).

1994—Subsec. (a)(4). Puspan. L. 103–325, § 153(a), added par. (4).

Subsec. (e). Puspan. L. 103–325, § 153(span), inserted at end “An action to enforce a violation of section 1639 of this title may also be brought by the appropriate State attorney general in any appropriate United States district court, or any other court of competent jurisdiction, not later than 3 years after the date on which the violation occurs. The State attorney general shall provide prior written notice of any such civil action to the Federal agency responsible for enforcement under section 1607 of this title and shall provide the agency with a copy of the complaint. If prior notice is not feasible, the State attorney general shall provide notice to such agency immediately upon instituting the action. The Federal agency may—

“(1) intervene in the action;

“(2) upon intervening—

“(A) remove the action to the appropriate United States district court, if it was not originally brought there; and

“(B) be heard on all matters arising in the action; and

“(3) file a petition for appeal.”

1988—Subsec. (a). Puspan. L. 100–583 substituted “in subsections (a) and (span) of section 1637” for “in section 1637” in third sentence and inserted provisions limiting liability of card issuer under this section to cardholders who pay fee or use credit card or charge card.

1980—Subsec. (a). Puspan. L. 96–221, § 615(span), in introductory text inserted provisions respecting applicability of section 1635 of this title, and in text following numbered pars. inserted provisions relating to disclosures required under sections 1637 and 1638 of this title.

Subsec. (a)(2)(B). Puspan. L. 96–221, § 615(a)(1), substituted provisions respecting recovery under this subparagraph in any class action or series of class actions, for provisions respecting recovery in a class action.

Subsec. (a)(3). Puspan. L. 96–221, § 615(a)(2), inserted provisions relating to right of rescission under section 1635 of this title.

Subsec. (span). Puspan. L. 96–221, § 615(a)(3), substituted provisions relating to correction of errors within sixty days by a creditor or assignee, for provisions relating to correction of errors within fifteen days by a creditor.

Subsec. (c). Puspan. L. 96–221, § 615(a)(3), substituted provisions relating to liability of a creditor or assignee in any action brought under this section or section 1635 of this title, for provisions relating to liability of a creditor in any action brought under this section.

Subsec. (d). Puspan. L. 96–221, § 615(a)(3), substituted provisions relating to liability in transaction or lease involving multiple obligors, for provisions relating to liability of subsequent assignees original creditor.

Subsec. (e). Puspan. L. 96–221, § 615(a)(4), inserted provisions relating to limitations on actions.

Subsec. (f). Puspan. L. 96–221, § 615(a)(5), inserted references to section 1607(span), (c), and (e) of this title.

Subsec. (g). Puspan. L. 96–221, § 615(a)(6), inserted provisions relating to remedy under section 1635 of this title.

Subsec. (h). Puspan. L. 96–221, § 615(a)(7), substituted provisions relating to offset from amounts owed to the creditor or assignee, and rights of defaulting consumer, for provisions relating to offset from amounts owed to the creditor.

1976—Subsec. (a). Puspan. L. 94–240, § 4(1), inserted “or E” after “part D”.

Subsec. (a)(2)(A). Puspan. L. 94–240, § 4(2), designated existing provision as cl. (i) and added cl. (ii).

Subsec. (a)(2)(B). Puspan. L. 94–240, § 4(3), substituted “lesser of $500,000” for “lesser of $100,000”.

Subsec. (span). Puspan. L. 94–240, § 4(4), inserted “or part E of this subchapter” after “this part” and struck out “finance” after “required to pay a”.

Subsec. (f). Puspan. L. 94–222 inserted “or in conformity with any interpretation or approval by an official or employee of the Federal Reserve System duly authorized by the Board to issue such interpretations or approvals under such procedures as the Board may prescribe therefor” after “by the Board”, and substituted “interpretation, or approval” for “or interpretation” before “is amended”.

Subsec. (g). Puspan. L. 94–240, § 4(5), inserted “or part D or E of this subchapter” after “this part”, and “consumer lease” after “consumer loan”.

1974—Subsec. (a). Puspan. L. 93–495, § 408(a), substituted provisions setting forth determination of amount of liability of any creditor failing to comply with any requirement imposed under part D of this subchapter or this part, for provisions setting forth determination of amount of liability of any creditor failing to disclose in connection with any consumer credit transaction any information required under this part to be disclosed to specified persons.

Subsec. (span). Puspan. L. 93–495, § 408(span), inserted “for any failure to comply with any requirement imposed under this part,” before “if within”.

Subsec. (c). Puspan. L. 93–495, § 408(c), substituted “subchapter” for “part”.

Subsec. (f). Puspan. L. 93–495, § 406, added subsec. (f).

Subsec. (g). Puspan. L. 93–495, § 407, added subsec. (g).

Subsec. (h). Puspan. L. 93–495, § 408(d), added subsec. (h).

Amendment by section 1100A(2) of Puspan. L. 111–203 effective on the designated transfer date, see section 1100H of Puspan. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees.

Amendment by sections 1413, 1416, 1417, and 1422 of Puspan. L. 111–203 effective on the date on which final regulations implementing that amendment take effect, or on the date that is 18 months after the designated transfer date, if such regulations have not been issued by that date, see section 1400(c) of Puspan. L. 111–203, set out as a note under section 1601 of this title.

Amendment by Puspan. L. 111–24 effective 9 months after May 22, 2009, except as otherwise specifically provided, see section 3 of Puspan. L. 111–24, set out as a note under section 1602 of this title.

Puspan. L. 110–315, title X, § 1012(span), Aug. 14, 2008, 122 Stat. 3482, provided that:

Amendment by Puspan. L. 96–221 effective on expiration of two years and six months after Mar. 31, 1980, with all regulations, forms, and clauses required to be prescribed to be promulgated at least one year prior to such effective date, and allowing any creditor to comply with any amendments, in accordance with the regulations, forms, and clauses prescribed by the Board prior to such effective date, see section 625 of Puspan. L. 96–221, set out as a note under section 1602 of this title.

Amendment by Puspan. L. 94–240 effective on expiration of one year after Mar. 23, 1976, see section 6 of Puspan. L. 94–240, set out as an Effective Date note under section 1667 of this title.

Amendment by Puspan. L. 93–495 effective Oct. 28, 1974, see section 416 of Puspan. L. 93–495, set out as an Effective Date note under section 1665a of this title.

Puspan. L. 93–495, title IV, § 408(e), Oct. 28, 1974, 88 Stat. 1519, provided that: