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This indispensable reference includes a history and overview
of the consumer finance laws, state-by-state published prima facie rates for credit life and A&H insurance,
plus practical conversion charts for add-on to simple interest, discount to simple interest, simple interest to
add-on, and more. You'll turn to it often as a refresher, training tool, and desktop reference.
Contents
- Federal Truth-in-Lending
- The methods for computing charges
- Classes of loans, lenders, and statutes governing them
- The Uniform Consumer Credit Code
- Late charges for retail installments sales contracts
- Prepayment: Actuarial and 78's methods
- Credit insurance
- State-by-state coverage
- Finance Charge tables
Plus
NEW Mortgage Lending Section:
- Types of mortgages
- Governing regulations
- Prepaid finance charges
- Mortgage insurance
- Common calculation issues
Update Service
Let us do the work! You automatically receive updated pages
for the Cost of Personal Borrowing as state and federal laws change. Updated at least 10 times annually, the service
includes an updated maximum A.P.R. and interest rate table when UCCC dollar amounts are adjusted, plus revised
prima facie credit insurance rates as they change.
Consumer Finance Newsletter
Don't be months behind! This must-have resource tracks both
federal and state changes as they happen. You'll also get an overview of upcoming and pending law changes that
affect the consumer finance industry.
#830 (ISBN - 978-0-87600-830-9) The Consumer Finance Compliance Service, $249.00
Comprehensive Package Includes:
- The Cost of Personal Borrowing in the United States, 9"
x 7 3/4" loose-leaf binder
- Full Year of Updated Service
(#899 (ISBN - 978-0-87600-899-6) - $150/year value)
- Full Year of Consumer Finance Newsletter
(#898 - $45/year value)
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Summaries of consumer finance laws for 50 states, Washington D.C. and
Puerto Rico
Sample Page (32KB)
State-by state maximum late charge selection
Learn of pending law changes
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