1. Short title; table of contents (a) Short title This Act may be cited as the Clarity in Lending Act . (b) Table of contents The table of contents for this Act is as follows: Sec. 1. Short title; table of contents. Title I—Small-dollar credit products Sec. 101. Safe harbor for small-dollar credit products. Title II—Rectifying Undefined Descriptions of Abusive Acts and Practices Sec. 201. Mitigating factors in assessing civil penalties. Sec. 202. Rulemaking relating to unfair, deceptive or abusive acts or practices. Sec. 203. Authority to declare an act unlawful based on discrimination or service as government contractor. Sec. 204. Clarifying the abusive standard for the Bureau of Consumer Financial Protection. Sec. 205. Notice and opportunity to cure. Sec. 206. Abusive, unfair, or deceptive acts or practices enforcement actions. Sec. 207. Look-back provisions for the Bureau of Consumer Financial Protection. Title III—Small Lenders Exempt from New Data and Excessive Reporting Sec. 301. Small business loan data collection. Title IV—Bank Loan Privacy Sec. 401. Rulemaking requirement. I Small-dollar credit products 101. Safe harbor for small-dollar credit products (a) In general The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) is amended by inserting after section 109 the following: 110. Safe harbor for small-dollar credit products (a) In general If a covered entity complies with the requirements set forth in subsections (b), (c), and (e) with respect to the offering of a small-dollar product to a consumer, such covered entity shall not be liable in connection with such offering of a small-dollar product, for— (1) any civil money penalties from any enforcement action brought by the Bureau, the appropriate Federal banking agency, or the National Credit Union Administration for a violation of this title