# Consumer lending compliance
> Source: https://legalcode.md/skills/legalcode-consumer-lending-compliance | [HTML version](https://legalcode.md/skills/legalcode-consumer-lending-compliance)

Assess consumer lending programs and loan portfolios for regulatory compliance across the US, UK, and EU.

Assess consumer lending programs and loan portfolios for regulatory compliance across the US, UK, and EU. Covers Truth in Lending Act (TILA) / Regulation Z (APR disclosure, ATR/QM rule, HOEPA, TRID), Equal Credit Opportunity Act (ECOA) / Regulation B (adverse action notices, anti-discrimination), Fair Lending (Fair Housing Act, disparate treatment, disparate impact, HMDA), Real Estate Settlement Procedures Act (RESPA) (Section 8 kickback prohibitions, mortgage servicing), state usury laws and rate caps (MLA 36% MAPR, SCRA 6%, NBA preemption), CFPB UDAAP, UK FCA Consumer Credit sourcebook (CONC), Consumer Credit Act 1974 (CCA 1974), FCA Consumer Duty (PS22/9), high-cost short-term credit (HCSTC) price cap, EU Consumer Credit Directive (CCD1 / CCD2 — application November 2026), Mortgage Credit Directive (MCD), and GDPR Article 22 automated credit decisions. Produces jurisdiction-specific compliance gap assessments with COMPLIANT / PARTIAL-COMPLIANT / NON-COMPLIANT / CRITICAL severity ratings, APR calculation reviews, adverse action notice analysis, ability-to-repay assessments, fair lending analysis, and prioritized remediation action plans. Use for consumer loan program reviews, regulatory examination preparation, new product launches, fintech compliance due diligence, and ongoing monitoring programs. Triggers on: TILA review, Reg Z compliance, ECOA adverse action, Regulation B, fair lending audit, RESPA Section 8, consumer credit compliance, APR calculation, ability to repay, qualified mortgage, CONC assessment, Consumer Duty, CCA 1974, CCD2 readiness, creditworthiness assessment, responsible lending review.

This skill assesses consumer lending programs, loan products, and individual transactions for regulatory compliance across the United States, United Kingdom, and European Union. It identifies compliance gaps, classifies their severity, and generates prioritized remediation plans with actionable implementation steps. **Covers:** - US TILA / Regulation Z: APR calculation accuracy, disclosure timing, right of rescission, ability-to-repay / Qualified Mortgage rule, HOEPA high-cost mortgage thresholds, TRID integrated disclosures, CARD Act, Military Lending Act, Servicemembers Civil Relief Act - US ECOA / Regulation B: prohibited discrimination bases, adverse action notice requirements (timing, format, specific reasons), spousal signature rules, Special Purpose Credit Programs - US Fair Lending: Fair Housing Act, disparate treatment and disparate impact analysis, redlining, steering and pricing discrimination, HMDA data obligations - US RESPA: Section 8 kickback and referral fee prohibitions, Affiliated Business Arrangement disclosure, mortgage servicing rules, Qualified Written Request procedures, loss mitigation obligations - US rate regulation: National Bank Act / FDIA preemption analysis, state usury laws, OCC/FDIC valid-when-made doctrine, Madden v. Midland exposure assessment - US CFPB UDAAP (Dodd-Frank § 1031): unfair, deceptive, and abusive acts or practices - UK FCA CONC sourcebook (CONC 2-8): responsible lending, creditworthiness assessment, financial promotions, pre-contractual requirements, post-contractual obligations, arrears and forbearance, ...

## Jurisdictions

Global



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