; and (v) shall practice avoidance and mitigation of displacement, including by establishing a right of return and temporary relocation for tenants displaced by renovations. (4) Application of certain laws The following Acts shall apply to a public lending bank to the same extent as such Acts apply to applicable persons subject to such Acts: (A) The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ). (B) The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). (C) The Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ). (D) The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). (g) Terms of retail account services Any covered bank that holds, administers, or manages funds on behalf of any unincorporated person in a payments account, or otherwise accepts funds on deposit or for the purpose of providing public depository accounts services— (1) may not— (A) impose any fees, minimum balances, or maximum balances on such payments accounts or public depository accounts; or (B) include on such payments accounts or public depository accounts overdraft fees or penalties; (2) shall— (A) prominently brand any such payments account or public depository account as a public bank account in all account statements, marketing materials, and other communications of the public bank; and (B) provide such account holders with reasonable protection against losses caused by fraud or security breaches, as determined by the Corporation or the Director of the Bureau of Consumer Financial Protection, or both; and (3) may only close or restrict access to such payments accounts or public depository accounts on the basis of the mandate of the covered bank. (h) Terms of retail credit (1) In general Notwithstanding any provision of law, the annual percentage rate applicable to any extension of credit by a covered bank may not exceed the lesser of— (A) 15 percent on unpaid balances, inclusive of all finance charges