Credit Laws

Fair and Accurate Credit Transactions, Act of 2003

To amend the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to, credit information, and for other purposes.
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The Fair Credit reporting Act

As a public service, the staff of the Federal Trade Commission (FTC) has prepared the following complete text of the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. Although staff generally followed the format of the U.S. Code.
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Fair Debt Collections Protection Act

As a public service, the staff of the Federal Trade Commission (FTC) has prepared the following complete text of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. §§ 1692-1692p.
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Regulation of Credit Repair Organizations

Consumers have a vital interest in establishing and maintaining their credit worthiness and credit standing in order to obtain and use credit.
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