Consumer Law Library
Consumer Law Library
The laws that protect your credit weren’t written for lawyers alone. They were written for you.
The Consumer Credit Protection Act
In 1968, Congress passed the Consumer Credit Protection Act (15 U.S.C. § 1601 et seq.) to protect Americans in the credit system. Over the years it has grown into a family of laws, each added as its own title:
| Title | Law | What it protects |
|---|---|---|
| I | Truth in Lending Act | Clear disclosure of the cost of credit; billing error rights |
| III | Restrictions on Garnishment | Limits on how much of your wages can be garnished |
| IV | Credit Repair Organizations Act | Your rights when you hire credit repair help |
| VI | Fair Credit Reporting Act | Accurate, fair and private credit reports |
| VII | Equal Credit Opportunity Act | Freedom from discrimination in credit |
| VIII | Fair Debt Collection Practices Act | Fair treatment by debt collectors |
| IX | Electronic Fund Transfer Act | Protections for debit cards and electronic payments |
Two other federal laws round out the library: the Real Estate Settlement Procedures Act, which governs mortgage servicers, and the Servicemembers Civil Relief Act, which protects those who serve.
Fair Credit Reporting Act
The FCRA is the heart of credit repair. It governs the credit bureaus, the companies that report to them, and everyone who uses your report.
Read the guide →FDCPAFair Debt Collection Practices Act
The FDCPA sets the rules of conduct for debt collectors — and gives you the right to demand proof.
Read the guide →CROACredit Repair Organizations Act
The CROA protects you when you hire help — and it is the law every honest credit repair company should be proud to follow.
Read the guide →ECOAEqual Credit Opportunity Act
The ECOA guarantees that you are judged on your creditworthiness — not on who you are.
Read the guide →TILATruth in Lending Act
Before you borrow, you have the right to know what it will truly cost.
Read the guide →RESPAReal Estate Settlement Procedures Act
If your mortgage servicer makes a mistake, RESPA gives you a formal way to make them fix it.
Read the guide →SCRAServicemembers Civil Relief Act
Those who serve our country deserve protection at home. The SCRA provides it.
Read the guide →Ready to take control of your credit?
Start your credit transformation today. We will review your situation and show you your options — honestly.