Title 15 — Commerce and TradeRelease 119-73not60
§1611 Criminal Liability for Willful and Knowing Violation
Title 15 › Chapter 41— CONSUMER CREDIT PROTECTION › Subchapter I— CONSUMER CREDIT COST DISCLOSURE › Part A— General Provisions › § 1611
Summary
It is a crime for anyone who acts on purpose and knowing to do any of three things. They are: give false or leave out information they must provide under this subchapter or its rules; use a Bureau chart under section 1606 to consistently make the annual percentage rate in 1606(a)(1)(A) look lower than it is; or otherwise fail to follow the subchapter’s requirements.
Full Legal Text
Title 15, §1611
Commerce and Trade — Source: USLM XML via OLRC
Whoever willfully and knowingly
(1)gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder,
(2)uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606(a)(1)(A) of this title, or
(3)otherwise fails to comply with any requirement imposed under this subchapter,
Legislative History
Notes & Related Subsidiaries
Editorial Notes
Amendments
2010—Par. (2). Pub. L. 111–203 substituted “Bureau” for “Board”.
Statutory Notes and Related Subsidiaries
Effective Date
of 2010 AmendmentAmendment by Pub. L. 111–203 effective on the designated transfer date, see section 1100H of Pub. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees.
Reference
Citations & Metadata
Citation
15 U.S.C. § 1611
Title 15 — Commerce and Trade
Last Updated
Apr 3, 2026
Release point: 119-73not60