Truth in Lending Act
Updated 04/29/2024

The Truth in Lending Act (TILA) protects you from erroneous and unfair credit invoicing and credit card practices. It compels lenders to give you loan pricing information so that you may compare shops for certain sorts of loans. For TILA-covered loans, you have a right of rescission, which gives you three days to review your decision and back out of the loan process without losing any money. This privilege protects you against high-pressure sales methods employed by unscrupulous lenders. TILA does not specify banks how much interest they can charge or whether they must make a consumer loan. Learn more. Read the Federal Trade Commission’s Facts for Consumers: Home Equity Credit Lines and the OCC’s Answers About Consumer Loans.

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