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FTC - Facts for ConsumersThe Federal Trade Commission enforces a number of credit laws and provides consumers with free information about them: The Equal Credit Opportunity Act prohibits the denial of credit because of your sex, race, marital status, religion, national origin, age, or because you receive public assistance. The Fair Credit Reporting Act gives you the right to learn what information is being distributed about you by credit reporting agencies. The Truth in Lending Act requires lenders to give you written disclosures of the cost of credit and terms of repayment before you enter into a credit transaction. The Fair Credit Billing Act establishes procedures for resolving billing errors on your credit card accounts. The Fair Debt Collection Practices Act prohibits debt collectors from using unfair or deceptive practices to collect overdue bills that your creditor has forwarded for collection. Consumer Information Education is a key tool to prevent consumer injury. In this section of our website, you'll find publications with advice on avoiding scams and rip-offs, as well as tips on other consumer topics. Sponsored Credit Rating Results | |
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