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 as published by the
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2. Consumer Leasing Act

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Money Management > Credit > Laws and Regulations

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For purposes of this part— The term “consumer lease” means a contract in the form of a lease or bailment for the use of personal property by a natural person for a period of time exceeding four months, and for a total contractual obligation not exceeding $25,000, primarily for
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3. Equal Credit Opportunity Act

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Money Management > Credit > Laws and Regulations

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§ 1691. Scope of prohibition Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction— on the basis of race, color, religion, national origin, sex or marital status, or age
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4. Home Ownership and Equity Protection Act

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§ 1639. Requirements for certain mortgages In addition to other disclosures required under this subchapter, for each mortgage referred to in section of this title, the creditor shall provide the following disclosures in conspicuous type size: “You are not required to complete this
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5. Equal Credit Opportunity

How the Equal Credit Opportunity Act (ECOA) protects consumers.

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Protecting America's Consumers Equal Credit Opportunity: Understanding Your Rights Under the Law People use credit to pay for education or a house, a remodeling job or a car, or to finance a loan to keep their business operating. The Federal Trade Commission (FTC), the nation’s consumer
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