US Federal Credit Laws Fair Credit Reporting Act
This act establishes procedures for correcting mistakes
on your credit record and requires that your record only be provided for legitimate business needs.
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Information from the FTC (PDF)
- Facts for Consumers: Your Access to Free Credit Reports, a web page from the FTC
Fair Credit Billing Act
The Fair Credit Billing Act establishes procedures for resolving billing errors on your credit card accounts. It also limits a consumer's liability for fraudulent credit card charges.
Fair Debt Collection Practices Act
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
Electronic Fund Transfer Act
The Electronic Fund Transfer Act provides consumer protection for all transactions using a debit card or electronic means to debit or credit an account. It also limits a consumer's liability for unauthorized electronic fund transfers.
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