Georgetown Law
Georgetown Law Library

Consumer Law

This guide covers resources that relate to the regulation of private law relationships between individual consumers and businesses.

Contents

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Primary Law

Statutes

The Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L. 111-5) was passed in July 2010. Title X of this law amends a number of existing consumer laws. A completelegislative history of the act has been prepared by the Law Librarian's Society of DC. There is also a compiled legislative history available in the Taxation & Economic Reform in America Parts I & II, 1781-2010 library on HeinOnline.

Selected consumer laws - many of which are being amended by the Dodd-Frank Act.

  • Consumer Leasing Act of 1976, Pub. L. 94-240, codified at 15 U.S.C. 1667 et seq.
  • Electronic Fund Transfer Act, Pub. L. 90-321, Title IX, codified at 15 U.S.C. 1693 et seq.
  • Equal Credit Opportunity Act, Pub. L. 90-321, Title X, codified at 15 U.S.C. 1691 et seq.
  • Fair Credit Reporting Act, Pub. L. 90-321, Title VI, codified at 15 U.S.C. 1681 et seq.
  • Home Owners Protection Act of 1998, Pub. L. 105-216, codified at 12 U.S.C. 4901
  • Fair Debt Collection Practices Act, Pub. L. 90-321, Title VIII, codified at 15 U.S.C. 1692 et seq.
  • Federal Deposit Insurance Act, 64 Stat. 863, codified at 12 U.S.C. 1831t(c)-(f)
  • Gramm-Leach-Bliley Act, Pub. L. 106-102, codified at 15 U.S.C. 6801 et seq.
  • Home Mortgage Disclosure Act of 1975, Pub. L. 94-200, codified at 12 U.S.C. 2801 et seq.
  • Real Estate Settlement Procedures Act of 1974, Pub. L. 93-533, as codified at 12 U.S.C. 2601 et seq.
  • Truth in Lending Act, Pub. L. 90-321, as codified at 15 U.S.C. 1601 et seq.
  • Truth in Savings Act, Pub. L. 102-242, as codified at 12 U.S.C. 4301 et seq.

For information on researching U.S. statutory law generally, see Georgetown Law Library's Statutes Research Guide or the Statutory Research Tutorial.

For state statutes, you can begin with a 50 state survey, such as the one on Consumer Protection onLexis or on "Business Organizations Consumer Protecton" on Westlaw. It is best to then consult the applicable state's statute, which can be linked from our jurisdictional guides.

Regulations

The administrative agencies which regulate the various aspects of consumer law, including, among others, the Federal Trade Commission, the Consumer Product Safety Commission and the Consumer Financial Protection Board publish their rules and regulations in the Code of Federal Regulations(CFR). Some selected sections include: