Massachusetts General Laws
Title XX - Public Safety and Good Order
Chapter 140d - Consumer Credit Cost Disclosure

Section 1 - Definitions - Section 1. For the purpose of this chapter, the following...

Section 2 - Exempt Transactions - Section 2. This chapter shall not apply to the following:...

Section 3 - Rules and Regulations - Section 3. (a) The commissioner shall prescribe from time to...

Section 4 - Finance Charge; Determination - Section 4. (a) Except as otherwise provided in this section,...

Section 5 - Annual Percentage Rate; Determination - Section 5. (a) The annual percentage rate applicable to any...

Section 6 - Inaccurate Disclosure of Finance Charge or Annual Percentage Rate; Adjustment - Section 6. (1) In carrying out the enforcement provisions of...

Section 7 - Disclosure of Information; Multiple Creditors or Obligors; Estimates - Section 7. (a) Subject to subsection (b), a creditor shall...

Section 8 - Disclosure of Information; Clear and Conspicuous Statements - Section 8. (a) Information required by this chapter shall be...

Section 9 - Information Rendered Inaccurate - Section 9. If information disclosed in accordance with this chapter...

Section 10 - Security Interest in Property Used as Dwelling; Rescission; Liability; Application - Section 10. (a) Except as otherwise provided in this section,...

Section 11 - Disclosure; Open End Credit Plans; Statement; Contents - Section 11. (a) Before opening any account under an open...

Section 12 - Disclosure; Other Than Open-End-Credit Plans; Statement; Contents - Section 12. (a) For each consumer credit transaction other than...

Section 14 - Multiple-Page Advertisements; Contents; Open-End-Credit Plan - Section 14. (a) For the purposes of this chapter, or...

Section 15 - Advertisements; Other Than Open-End-Credit Plans; Contents - Section 15. (a) Except as provided in subsection (b), this...

Section 15a - Application Form or Pre-Approved Written Solicitation for Open-End Credit Plan; Contents - Section 15A. Any application form or pre-approved written solicitation for...

Section 16 - Liability of Owner or Personnel of Advertising Medium - Section 16. There shall be no liability under this chapter...

Section 17 - Oral Response to Cost of Credit Inquiry - Section 17. In responding orally to any inquiry about the...

Section 18 - Model Disclosure Forms and Clauses - Section 18. The use of model disclosure forms and clauses...

Section 19 - Time for Sending Statement; Noncompliance; Finance Charge - Section 19. (a) The creditor shall mail or deliver to...

Section 20 - Sale of Goods or Services at Retail; Finance Charge Under Open-End-Credit Plan; Computation - Section 20. If a finance charge is imposed under an...

Section 21 - Application of Credit Cardholder's Funds Held by Issuer; Authorization; Agreement Statement - Section 21. A person issuing a credit card shall not...

Section 22 - Credit Balance Exceeding One Dollar; Periodic Statement Disclosure; Contents - Section 22. Whenever a credit balance equal to or in...

Section 23 - Transfer of Funds Following Default of Debt; Written Notice; Applicability - Section 23. No bank or credit union shall transfer any...

Section 24 - Guaranty of Obligations of Other Persons; Notice of Additional Obligations - Section 24. No person who executes a guaranty of the...

Section 25 - Issuance of Credit Cards - Section 25. No credit card shall be issued except in...

Section 26 - Cardholder Liability for Unauthorized Use - Section 26. (a)(1) A cardholder shall be liable for the...

Section 27 - Unauthorized Use of Credit Cards - Section 27. (a) Whoever knowingly in a transaction uses or...

Section 28 - Liability of Business for Unauthorized Use of Credit Cards - Section 28. The exemption provided by subsection (a) of section...

Section 28a - Cardholder Discounts; Surcharges; Finance Charge - Section 28A. (a)(1) With respect to a credit card which...

Section 28b - Participation in Credit Card Plans; Conditions - Section 28B. Notwithstanding any agreement to the contrary, a card...

Section 29 - Rules and Regulations; Consistency With Federal Fair Credit Billing Act - Section 29. The commissioner may prescribe from time to time...

Section 30 - Inspection of Records - Section 30. Each creditor shall, when directed by the commissioner,...

Section 31 - Prohibited Acts; Penalty - Section 31. Whoever willfully and knowingly: (1) Gives false or...

Section 32 - Creditor's Failure to Comply With Law; Damages - Section 32. (a) Except as otherwise provided in this section,...

Section 33 - Civil Actions Against Subsequent Assignees of Creditor; Written Acknowledgement; Rescission - Section 33. (a) Except as otherwise specifically provided in this...

Section 34 - Unfair Trade Practices; Violations - Section 34. A violation of this chapter, or any rule...

Section 35 - Limitations on Creditors' Liability and Consumer Rescission Rights - Section 35. (a) For any consumer credit transaction subject to...

Section 36 - Exemption From Requirements of Federal Law; Action for Determination by Bureau That Commonwealth Requirements Substantially Similar to Federal Requirements - Section 36. The commissioner may take any action necessary, including...