Consumer Credit Protection Laws

Use these credit laws to learn about your credit rights when dealing with credit card fraud; reporting lost or stolen credit and debit cards, and how to deal with credit and debt collection agencies. FREE credit and consumer letters!

Home Shopping Protection
Tips, advice, and government agencies to help consumers protect their rights and avoid being ripped off when shopping from home!

Credit Repair Organization Act
This federal law requires credit repair organizations to provide disclosure statements before you purchase their services and protects you from unfair or deceptive advertising and business practices!

The Fair Credit Billing Act
This law requires creditors to promptly correct billing mistakes; allows you to withhold payments on defective goods; and requires creditors to promptly credit payments!

Truth in Lending Act
The Truth in Lending Act protects consumers by requiring meaningful disclosure of credit terms!

The Fair Credit Reporting Act
This federal law outlines your rights and regulates how credit bureaus maintain and sell credit reports. See the complete law here!

Equal Credit Opportunity Act
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants!

Electronic Funds Transfers Act
This federal law covers electronic money transfers! Outlines your rights and liabilities when using debit cards or ATM cards and direct deposits!

Credit Reports
Learn how to read your credit reports and how to dispute inaccurate information FREE.

Credit Terms and Definitions
Complete glossary of credit terms and definitions!