Fabio
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Ingested titles 12–51 and 54 from OLRC USLM XML @119-100 (the whole Code now, uniform edition; Title 53 is reserved/empty). LegalText 11,221 -> 59,740; repo total 105,704 records. Deterministic (byte-identical rerun, verified on Title 42's 8,356 sections); make check green. make legal-us-code default now covers every title. Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
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| LegalText | 15 U.S.C. § 1639f | Requirements for prompt crediting of home loan payments | us | united_states_code | code_section | 15 | COMMERCE AND TRADE | 41 | CONSUMER CREDIT PROTECTION | 1639f | 15 U.S.C. § 1639f | current | 119-100 | 2026-06-26 | official | https://uscode.house.gov/download/releasepoints/us/pl/119/100/xml_usc15@119-100.zip | /us/usc/t15/s1639f | data/legal/raw/us/code/title-15/usc15.xml | 8fbf60fa5c825d5330117255563cd6ce99c8196354ca624e481cde52260e4ea8 | 6982338d990ef19d6b52bff6825089bdd6d0ee1233d9382673faf533decd5059 | 1d98f283df9b5a30feca79c18093a2bdf745863c28a5060a5ea0147fde94ead8 | 2026-07-04 | official |
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15 U.S.C. § 1639f - Requirements for prompt crediting of home loan payments
Text
(a) In general In connection with a consumer credit transaction secured by a consumer’s principal dwelling, no servicer shall fail to credit a payment to the consumer’s loan account as of the date of receipt, except when a delay in crediting does not result in any charge to the consumer or in the reporting of negative information to a consumer reporting agency, except as required in subsection (b).
(b) Exception If a servicer specifies in writing requirements for the consumer to follow in making payments, but accepts a payment that does not conform to the requirements, the servicer shall credit the payment as of 5 days after receipt.
(Pub. L. 90–321, title I, § 129F, as added Pub. L. 111–203, title XIV, § 1464(a), July 21, 2010, 124 Stat. 2184.)
Notes
Statutory Notes and Related Subsidiaries
Effective DateSection effective on the date on which final regulations implementing such section 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 Pub. L. 111–203, set out as an Effective Date of 2010 Amendment note under section 1601 of this title.