source:
  type: regulation
  id: ecoa-15usc-1691a
  authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691a — Definitions; rules of construction
  description: 'ECOA (Equal Credit Opportunity Act, 15 U.S.C.), §1691a Definitions; rules of construction. Captured
    section-complete from Cornell LII (verbatim).

    '
obligations:
- id: ecoa-15usc-1691a-a
  canonical_id: ecoa-15usc-1691a-a
  section: 15 U.S.C. §1691a(a)
  description: 'Definitions; rules of construction — (a): (a) The definitions and rules of construction set forth
    in this section are applicable for the purposes of this subchapter.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691a
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1691a
    snapshot_id: e8e80756610377f5
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:2bb269774e8d0b302705992e98d973b19f352ebd90db868b4c7835cdc9619d69
    paragraph_quote: (a) The definitions and rules of construction set forth in this section are applicable for
      the purposes of this subchapter.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1691a subsection (a) from Cornell LII snapshot e8e80756610377f5;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: ecoa-15usc-1691a-b
  canonical_id: ecoa-15usc-1691a-b
  section: 15 U.S.C. §1691a(b)
  description: 'Definitions; rules of construction — (b): (b) The term “ applicant ” means any person who applies
    to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly
    by use of an existing credit plan for an amount exceeding a previously established credit limit.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691a
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1691a
    snapshot_id: e8e80756610377f5
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:2bb269774e8d0b302705992e98d973b19f352ebd90db868b4c7835cdc9619d69
    paragraph_quote: (b) The term “ applicant ” means any person who applies to a creditor directly for an extension,
      renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan
      for an amount exceeding a previously established credit limit.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1691a subsection (b) from Cornell LII snapshot e8e80756610377f5;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: ecoa-15usc-1691a-c
  canonical_id: ecoa-15usc-1691a-c
  section: 15 U.S.C. §1691a(c)
  description: 'Definitions; rules of construction — (c): (c) The term “ Bureau ” means the Bureau of Consumer Financial
    Protection.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691a
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1691a
    snapshot_id: e8e80756610377f5
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:2bb269774e8d0b302705992e98d973b19f352ebd90db868b4c7835cdc9619d69
    paragraph_quote: (c) The term “ Bureau ” means the Bureau of Consumer Financial Protection.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1691a subsection (c) from Cornell LII snapshot e8e80756610377f5;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: ecoa-15usc-1691a-d
  canonical_id: ecoa-15usc-1691a-d
  section: 15 U.S.C. §1691a(d)
  description: 'Definitions; rules of construction — (d): (d) The term “ credit ” means the right granted by a creditor
    to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services
    and defer payment therefor.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691a
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1691a
    snapshot_id: e8e80756610377f5
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:2bb269774e8d0b302705992e98d973b19f352ebd90db868b4c7835cdc9619d69
    paragraph_quote: (d) The term “ credit ” means the right granted by a creditor to a debtor to defer payment
      of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1691a subsection (d) from Cornell LII snapshot e8e80756610377f5;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: ecoa-15usc-1691a-e
  canonical_id: ecoa-15usc-1691a-e
  section: 15 U.S.C. §1691a(e)
  description: 'Definitions; rules of construction — (e): (e) The term “ creditor ” means any person who regularly
    extends, renews, or continues credit; any person who regularly arranges for the extension, renewal, or continuation
    of credit; or any assignee of an original creditor who participates in the decision to extend, renew, or continue
    credit.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691a
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1691a
    snapshot_id: e8e80756610377f5
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:2bb269774e8d0b302705992e98d973b19f352ebd90db868b4c7835cdc9619d69
    paragraph_quote: (e) The term “ creditor ” means any person who regularly extends, renews, or continues credit;
      any person who regularly arranges for the extension, renewal, or continuation of credit; or any assignee of
      an original creditor who participates in the decision to extend, renew, or continue credit.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1691a subsection (e) from Cornell LII snapshot e8e80756610377f5;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: ecoa-15usc-1691a-f
  canonical_id: ecoa-15usc-1691a-f
  section: 15 U.S.C. §1691a(f)
  description: 'Definitions; rules of construction — (f): (f) The term “ person ” means a natural person , a corporation,
    government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691a
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1691a
    snapshot_id: e8e80756610377f5
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:2bb269774e8d0b302705992e98d973b19f352ebd90db868b4c7835cdc9619d69
    paragraph_quote: (f) The term “ person ” means a natural person , a corporation, government or governmental
      subdivision or agency, trust, estate, partnership, cooperative, or association.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1691a subsection (f) from Cornell LII snapshot e8e80756610377f5;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: ecoa-15usc-1691a-g
  canonical_id: ecoa-15usc-1691a-g
  section: 15 U.S.C. §1691a(g)
  description: 'Definitions; rules of construction — (g): (g) Any reference to any requirement imposed under this
    subchapter or any provision thereof includes reference to the regulations of the Bureau under this subchapter
    or the provision thereof in question. ( Pub. L. 90–321, title VII, § 702 , as added Pub. L. 93–495, title V,
    § 503 , Oct. 28, 1974 , 8…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691a
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1691a
    snapshot_id: e8e80756610377f5
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:2bb269774e8d0b302705992e98d973b19f352ebd90db868b4c7835cdc9619d69
    paragraph_quote: (g) Any reference to any requirement imposed under this subchapter or any provision thereof
      includes reference to the regulations of the Bureau under this subchapter or the provision thereof in question.
      ( Pub. L. 90–321, title VII, § 702 , as added Pub. L. 93–495, title V, § 503 , Oct. 28, 1974 , 88 Stat. 1522
      ; amended Pub. L. 111–203, title X, § 1085(1) , (2), July 21, 2010 , 124 Stat. 2083 .)
    drafter_attestation: Verbatim slice of 15 U.S.C. §1691a subsection (g) from Cornell LII snapshot e8e80756610377f5;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
