source:
  type: regulation
  id: tila-15usc-1639f
  authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1639f — Requirements for prompt crediting of home loan payments
  description: 'TILA (Truth in Lending Act, 15 U.S.C.), §1639f Requirements for prompt crediting of home loan payments.
    Captured section-complete from Cornell LII (verbatim).

    '
obligations:
- id: tila-15usc-1639f-a
  canonical_id: tila-15usc-1639f-a
  section: 15 U.S.C. §1639f(a)
  description: 'Requirements for prompt crediting of home loan payments — (a): (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 re…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1639f
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1639f
    snapshot_id: 964e42afbdd708f9
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:6e25c4a7c31121acb324374501593885665e892c660456f483164cfab750c6a5
    paragraph_quote: (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).
    drafter_attestation: Verbatim slice of 15 U.S.C. §1639f subsection (a) from Cornell LII snapshot 964e42afbdd708f9;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: tila-15usc-1639f-b
  canonical_id: tila-15usc-1639f-b
  section: 15 U.S.C. §1639f(b)
  description: 'Requirements for prompt crediting of home loan payments — (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…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1639f
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1639f
    snapshot_id: 964e42afbdd708f9
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:6e25c4a7c31121acb324374501593885665e892c660456f483164cfab750c6a5
    paragraph_quote: (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 .)
    drafter_attestation: Verbatim slice of 15 U.S.C. §1639f subsection (b) from Cornell LII snapshot 964e42afbdd708f9;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
