Certain types of loans are covered by consumer protection laws and regulations but others are notFor example, commercial and agricultural loan transactions are not subject to most federal consumer protection laws and regulationsGenerally, consumer protection laws cover loans established primarily for personal, family, or household purposes.

loan (including individual units of condominiums and cooperatives) or o A manufactured home is located or is to be constructed using proceeds of the loan Second, the loan falls within one of the following categories o Loans made by a lender, creditor, dealer o Loans made or insured by an agency of the federal government

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The Rule covers all consumer credit transactions, except those involving the purchase of real estateIt covers loans made to consumers who purchase goods or services for personal, family, or household uses, even though those loans may be secured by real estate owned by the consumers.

The Truth in Lending Act (TILA) is a federal law enacted in to help protect consumers in their dealings with lenders and creditorsThe TILA was implemented by the Federal Reserve Board

Payday loans, overdraft lines of credit, and most installment loans are covered by the Military Lending ActAs of October , , most types of consumer loans offered to active duty servicemembers and their dependents have to comply with the Military Lending Act (MLA).

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Loans made in connection with a housing or urban development program administered by an agency of the federal government Loans made and intended to be sold by the originating lender or creditor to FNMA, GNMA, or FHLMC (or its successor) Loans that are the subject of a home equity conversion mortgage or reverse mortgage issued by a lender or

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Commercial or Business LoansNormally, loans secured by real estate for a business or agricultural purpose are not covered by RESPAHowever, if the loan is made to an individual entity to purchase or improve a rental property of to residential units, then it is regulated by RESPACommercial business owners are generally much savvier and

Loan Consumer Protection Act of Regulation Z also was amended to implement section of the Competitive Equality Banking Act of , and in , to include adjustable rate mortgage loan disclosure requirementsAll consumer leasing provisions were deleted from Regulation Z in and transferred to Regulation M ( CFR ).

It applies to consumer credit contracts made with creditors such as car dealers, department stores and financing companiesIt doesnt apply to real estate purchases , bank loans or contracts with loan associations, yet it covers mobile homes and houseboats.