Chapter 669. Regulated Activities
Section
36a-645(Formerly Sec. 36-243a). Definitions.36a-646(Formerly Sec. 36-243b). Prohibited acts.36a-647(Formerly Sec. 36-243c). Enforcement powers of commissioner. Regulations.36a-648Abusive, harassing, fraudulent, deceptive or misleading debt collection practices. Liability. Exemptions. Limitations on actions.36a-648aCredit card debt collection actions against parents or legal guardians of students.36a-649Definitions.36a-650Civil liability re coerced debt.36a-651Suspension of collection activities and review by claimant. Determination by claimant.36a-652 to 36a-65436a-652 to 36a-65436a-655(Formerly Sec. 36-364). Definitions.36a-656(Formerly Sec. 36-365). License requirements and fees. Required system filings. Authority of commissioner to conduct criminal history records checks and deny application for license. Renewal of license. Automatic suspension of license.36a-657(Formerly Sec. 36-369). Suspension, revocation or refusal to renew license or taking of other action. Enforcement powers of commissioner. Removal from office and from employment or retention. Temporary order to cease business.36a-658(Formerly Sec. 36-370). License required. Change in control persons, name or place of business. Use of name. Automatic suspension of license. Surrender of license. Required system filing or notice to commissioner. Unique identifier of license. Advertising of license.36a-659(Formerly Sec. 36-372). Separate bank account for benefit of debtors. Books and records.36a-660(Formerly Sec. 36-375). Licensee's duties. Written agreement required.36a-661(Formerly Sec. 36-376). Prohibited acts.36a-661aWritten agreement voidable. Licensee claims for restitution.36a-662(Formerly Sec. 36-377). Regulations.36a-663(Formerly Sec. 36-378). Exceptions.36a-664(Formerly Sec. 36-380). Surety bond required. Form of surety bond. Cancellation of bond. Notice. Automatic suspension of license. Notice. Opportunity for hearing.36a-665(Formerly Sec. 36-381). Penalties.36a-666 to 36a-67036a-666 to 36a-67036a-671Definitions. Debt negotiation. License application, requirements and fees. Authority of commissioner to conduct criminal history records checks and deny application for license. Abandonment of application. License renewal. Automatic suspension of license or renewal license. Notice. Opportunity for hearing. License not assignable or transferable. Use of name. Surrender of license. Required system filing or notice to commissioner. Unique identifier. Advertisements of licensee.36a-671aSuspension, revocation or refusal to renew license or taking other action. Enforcement powers of commissioner. Removal from office and from employment or retention. Temporary order to cease business.36a-671bDebt negotiation service contract required. Fees, commissions and other valuable consideration. Noncompliant contracts voidable by consumer.36a-671cExceptions.36a-671dSurety bond required. Form of surety bond. Cancellation of bond. Automatic suspension of license. Notice. Opportunity for hearing. Determination of penal sum. Aggregate amount of residential loans.36a-671eRequirements re mortgage loan originator license.36a-671fProhibited practices.36a-672 to 36a-67436a-672 to 36a-67436a-675(Formerly Sec. 36-416). Short title: Connecticut Truth-in-Lending Act.36a-676(Formerly Sec. 36-393). Definitions.36a-677(Formerly Sec. 36-393a). State policy.36a-678(Formerly Sec. 36-393b). Compliance with Consumer Credit Protection Act. Exempt transactions.36a-679(Formerly Sec. 36-395). Regulations.36a-680(Formerly Sec. 36-398). Effect of inconsistent law.36a-681(Formerly Sec. 36-399). Penalty.36a-682(Formerly Sec. 36-400). Compliance of governmental instruments. Exemptions from penalties.36a-683(Formerly Sec. 36-407). Failure to comply; liability. Civil action. Right to rescind.36a-684(Formerly Sec. 36-414). Enforcement. Disclosure errors and adjustments.36a-685(Formerly Sec. 36-415). Unenforceable agreements.36a-686Civil penalty. Liability.36a-687 to 36a-68936a-687 to 36a-68936a-690(Formerly Sec. 36-417z). Calculation of interest or finance charge rebates. Prohibited methods. Transactions affected.36a-691 to 36a-69436a-691 to 36a-69436a-695(Formerly Sec. 36-431). Definitions.36a-696(Formerly Sec. 36-432). Disclosure to consumer of information re credit report.36a-697(Formerly Sec. 36-433). Exceptions.36a-698(Formerly Sec. 36-434). Regulations.36a-699(Formerly Sec. 36-435). Penalty.36a-699aWritten summary of consumer's rights.36a-699bDispute by consumer re completeness or accuracy of information.36a-699cProcedures by credit rating agency to assure accuracy.36a-699dCredit report for use in credit transaction not initiated by consumer.36a-699eExisting consent judgment or settlement with Attorney General.36a-699fBlocking of information appearing on credit report as result of identity theft.36a-700(Formerly Sec. 36-435l). Credit clinics. Definitions. Contracts. Prohibited acts. Penalties.36a-701Security freeze on credit report: Definitions.36a-701aSecurity freeze on credit report. Timing. Disclosure of report to third party during freeze. Procedures for freeze. Refusal by credit rating agency to implement freeze. Exceptions. Prohibition on fees.36a-701bBreach of security re computerized data containing personal information. Notice of breach. Provision of identity theft prevention services and identity theft mitigation services. Delay for criminal investigation. Means of notice. Exemption from public disclosure. Unfair trade practices.36a-701cRegulations.36a-702 to 36a-70436a-702 to 36a-70436a-705(Formerly Sec. 36-442). Definitions.36a-706(Formerly Sec. 36-442a). Mortgage rate lock-in.36a-707(Formerly Sec. 36-442b). Applicant's remedies.36a-708Prohibited acts by mortgage brokers.36a-709 to 36a-71436a-709 to 36a-71436a-715(Formerly Sec. 36-442m). Definitions.36a-716(Formerly Sec. 36-442n). Escrow accounts.36a-717(Formerly Sec. 36-442o). Penalties.36a-718(Formerly Sec. 36-442p). Licenses required. Exemptions.36a-719Mortgage servicer license. Issuance. Application. Criminal history records checks. Renewal standards. Automatic suspension of license. Abandonment of application. Schedule and report. Unique identifier of license. Advertising of license.36a-719aLicense not assignable or transferable. Change in any control persons. Surrender of license. Change of name or address. Required filings on system or notification of commissioner. Automatic suspension of license.36a-719bExpiration of license. Application for renewal. Fees.36a-719cSurety bond, fidelity bond and errors and omissions coverage. Cancellation. Automatic suspension of license. Notices.36a-719dRecords to be maintained by licensee.36a-719eDisclosure of notice and schedule of ranges and categories of costs and fees.36a-719fCompliance with federal laws and regulations.36a-719gFee schedule. Imposition of late fee or delinquency charge.36a-719hProhibited acts. Duty to establish, enforce and maintain policies and procedures for compliance.36a-719iAuthority of commissioner re investigations and examinations. Prohibited acts by subjects of investigation or examination.36a-719jSuspension, revocation or refusal to renew license or taking of other action. Removal from office and from employment or retention. Temporary order to cease business.36a-719kRegulations.36a-719lExemptions.36a-720Capital and liquidity requirements of covered institutions. Policies and procedures. Board of directors. External audit. Risk management program. Commissioner's authority re investigation, inquiry or examinations.36a-721 to 36a-72436a-721 to 36a-72436a-725(Formerly Sec. 36-442aa). Definitions.36a-726(Formerly Sec. 36-442bb). Disclosure required.36a-727 to 36a-73436a-727 to 36a-73436a-735(Formerly Sec. 36-443). Short title: Home Mortgage Disclosure Act.36a-736(Formerly Sec. 36-444). Definitions.36a-737(Formerly Sec. 36-445). Discrimination in making of home purchase, home improvement and mortgage loans. Applications submitted by members of reserves or National Guard.36a-738(Formerly Sec. 36-446). Disclosure requirements for financial institutions.36a-739(Formerly Sec. 36-448). Reports by financial institutions. Filing requirements.36a-740(Formerly Sec. 36-449). Violations by financial institutions. Rights of loan applicant.36a-741(Formerly Sec. 36-451). Cease and desist order. Enforcement action.36a-742(Formerly Sec. 36-452). Protection of confidentiality of an individual's financial status.36a-743(Formerly Sec. 36-454). Commissioner to analyze home financing.36a-744(Formerly Sec. 36-455). Regulations.36a-74536a-74536a-746Short title: Connecticut Abusive Home Loan Lending Practices Act.36a-746aDefinitions.36a-746bDisclosures.36a-746cProhibited provisions in loan agreement.36a-746dReport of payment history.36a-746eProhibited acts by lender.36a-746fPurchase of insurance by buyer.36a-746gRefund or credit of charges.36a-747 to 36a-75436a-747 to 36a-75436a-755(Formerly Sec. 36-9h). Mortgage appraisal practices. Definitions. Regulations.36a-756(Formerly Sec. 36-9t). Title insurance as condition of mortgage on residential real estate prohibited.36a-757(Formerly Sec. 36-9u). Mortgage insurance requirements limited.36a-758(Formerly Sec. 36-9y). Payment of loan proceeds by certified, bank treasurer's or cashier's check or by wire transfer.36a-758aPayment of first or secondary mortgage loan proceeds by wire transfer. Time limits. Penalties.36a-759(Formerly Sec. 36-4). Minority of veterans, spouses and widows for purposes of the Servicemen's Readjustment Act.36a-759aCompliance with John Warner National Defense Authorization Act for Fiscal Year 2007. Limit on interest rate charged on consumer credit to members of armed services.36a-760Nonprime home loans: Definitions; applicability.36a-760aDuties of lenders and mortgage brokers relating to nonprime home loans.36a-760bAnalysis of obligor's ability to pay.36a-760cProhibition against making nonprime home loan when proceeds used to pay off special mortgage.36a-760dRequirements for making nonprime home loans.36a-760eRestrictions on provisions in nonprime home loans.36a-760fProhibition against dividing or structuring loan to avoid application of nonprime home loan statutory provisions.36a-760gRestrictions on making and financing under nonprime home loans. Curing of defaults.36a-760hAdditional duties of mortgage brokers.36a-760iCourt action based on lender's failure to comply with statutory requirements.36a-760jProhibition against influencing real estate appraisals.36a-761 to 36a-76936a-761 to 36a-76936a-770(Formerly Sec. 42-83). Applicability of Uniform Commercial Code. Filing and recording. Definitions.36a-771(Formerly Sec. 42-84). General contract requirements.36a-772(Formerly Sec. 42-85). Maximum finance charge on retail sales of motor vehicles and other goods.36a-773(Formerly Sec. 42-86). Insurance.36a-774(Formerly Sec. 42-87). Installment loan contract requirements.36a-775(Formerly Sec. 42-88). Confession of judgment provision invalid.36a-776(Formerly Sec. 42-89). Inclusion of other goods in contract void.36a-777(Formerly Sec. 42-90). Acknowledgment of receipt of notice and statement.36a-778(Formerly Sec. 42-91). Delinquency and collection charges.36a-779(Formerly Sec. 42-92). Assignment of contract.36a-780(Formerly Sec. 42-93). Payments after assignment.36a-781(Formerly Sec. 42-94). Statement of payments made. Receipts.36a-782(Formerly Sec. 42-95). Cancellation of contract on payment in full.36a-783(Formerly Sec. 42-96). Rebate and refund upon prepayment of contract.36a-784(Formerly Sec. 42-97). Renewals and extensions.36a-785(Formerly Sec. 42-98). Foreclosure.36a-786(Formerly Sec. 42-99). Recovery of charges barred by wilful violations.36a-787(Formerly Sec. 42-100). Penalty.36a-788(Formerly Sec. 42-100a). Enforcement action.36a-789Definitions. Debt waiver not insurance. Amount charged or financed for debt waiver. Cancellation and refund.36a-790 to 36a-79936a-790 to 36a-79936a-800(Formerly Sec. 42-127). Consumer collection agency. Definitions.36a-801(Formerly Sec. 42-127a). License required. Application, issuance, renewal. Authority to conduct criminal history records check. Examination of records. Abandonment of application. Surrender of license. Required system filing or notice of commissioner. Automatic suspension of license. Name and place of business. Change in any control persons. Unique identifier of license. Advertising of license.36a-801aPersons engaged in business of collecting child support.36a-801bCollection of child support. Written agreement.36a-802(Formerly Sec. 42-128a). Surety bond required. Authority of commissioner to proceed on bond. Cancellation of bond; notice. Automatic suspension of license; notice. Opportunity for hearing.36a-803(Formerly Sec. 42-129). Conviction of certain crimes disqualification to engage in consumer collection business.36a-804(Formerly Sec. 42-129a). Suspension, revocation or refusal to renew license or taking other action. Removal from office and from employement or retention. Temporary order to cease business.36a-805(Formerly Sec. 42-131). Prohibited practices. Exception.36a-806(Formerly Sec. 42-131a). Prohibited practices within and without state. Examination of affairs.36a-807(Formerly Sec. 42-131b). Liability.36a-808(Formerly Sec. 42-131c). Unfair or deceptive practices. Enforcement action.36a-809(Formerly Sec. 42-131d). Commissioner's powers. Regulations.36a-810(Formerly Sec. 42-133a). Penalty.36a-811Maintenance of consumer debtor and creditor records.36a-812Compliance with Fair Debt Collection Practices Act.36a-813Evidence in cause of action for purchased debt owed by consumer debtor.36a-814Initiation of cause of action for purchased debt prohibited when statute of limitations has expired. Limitations period not extended by payment or affirmation.36a-815 to 36a-82936a-815 to 36a-82936a-830Exchange facilitator. Definitions.36a-831Change in control of exchange facilitator. Notification to clients.36a-832Fidelity bond. Deposit of exchange funds.36a-833Errors and omissions insurance policy; cash or securities deposit; letters of credit.36a-834Regulations. Damage claims.36a-835Holding and investment of exchange funds.36a-836Prohibited activities of exchange facilitators.36a-837Civil action. Notice.36a-838 to 36a-84536a-838 to 36a-84536a-846Definitions.36a-847Private student loan services license required. Application. Authority to conduct criminal history records check. Fees. Examination of records. Automatic suspension of license. Abandonment of application.36a-847aFederal student loan servicer registration required. Fees. Service of process and communication with commissioner. Civil penalty.36a-847bExemptions.36a-848Name and place of business. Change of name or location. License and registration not transferable or assignable. Change in any control persons. Automatic suspension of license and civil penalty against registrant. Required system filing or notice of commissioner. Unique identifier of licensee or registrant. Advertisements of licensee or registrant.36a-849Records to be maintained by licensee.36a-850Prohibited activities of student loan servicers and control persons.36a-850aRequired activities of a private student loan servicer. Limitations to applicability.36a-851Commissioner's authority re investigations and examinations. Prohibited acts by subjects of investigation or examination.36a-852Suspension, revocation or refusal to renew license or registration. Removal from office and from employment or retention. Temporary order to cease business.36a-853Compliance with federal laws and regulations.36a-854Regulations.36a-855Action for damages, fees, costs and equitable relief. Class actions.36a-856Definitions. Registration. Disclosures. Internet web site. Enforcement powers of commissioner. Penalty.36a-857 to 36a-85936a-857 to 36a-85936a-860Financial planners.36a-860aLinks to educational materials re financial planning and investment advisers on department's Internet web site.36a-861Definitions.36a-862Reliance on statement of intended purpose made by recipient.36a-863Disclosures required when specific offer extended.36a-864Disclosures required if recipient required to pay off existing commercial financing as condition.36a-865Signature of recipient required on disclosures.36a-866Disclosure of additional information.36a-867Use of commercial financing disclosure form approved by another state.36a-868Waiver provisions re provider obtaining prejudgment remedy. Unenforceable provisions.36a-869Revocation, withdrawal or modification of specific offer based on preliminary review.36a-870Registration. Authority to transact business. Application. Fees.36a-871Regulations.36a-872Penalties.