{"data":{"id":"us/15-u.s.c.-1639f","jurisdiction":"us","citation":"15 U.S.C. § 1639f","heading":"Requirements for prompt crediting of home loan payments","body":"(a) In generalIn 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) ExceptionIf 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.","path":["Title 15—COMMERCE AND TRADE","CHAPTER 41—CONSUMER CREDIT PROTECTION"],"source_url":"https://uscode.house.gov/download/releasepoints/us/pl/119/103/xml_usc15@119-103.zip","current_through":"Public Law 119-103 (09/02/2026)","vintage":"","retrieved_at":"2026-09-10T05:56:39Z","sha256":"f054f05e660124f42624d5d53833698c44a3e7e706ffdeb04ab465b13096592b","source_id":"us","stale":true,"prev":"us/15-u.s.c.-1639e","next":"us/15-u.s.c.-1639g"},"notice":"GroundRules: Original legal text. Not legal advice."}