Your Legal Rights

 

Credit Card Accountability Responsibility & Disclosure Act
New laws, including the Credit Card Accountability Responsibility & Disclosure Act (also known as the CARD Act of 2009) and revisions to Truth in Lending, have been passed to give you increased protection in the consumer credit card market.

Equal Credit Opportunity Act
Guarantees equal opportunity to all customers of credit card companies, banks, loan and finance companies, retail stores and credit unions. Learn more about Equal Credit Opportunity Act.

Fair Credit and Charge Card Disclosure Act
Requires credit and charge card companies to provide you with information about their terms. Learn more about Fair Credit and Charge Card Act.

Fair Credit Billing Act
Requires your credit company to provide prompt correction of credit and charge card billing errors. Learn more about Fair Credit Billing Act.

Fair Credit Reporting Act
Your right to know all the information that's in your credit report. Learn more about Fair Credit Reporting Act.

Fair Credit Debt Collection Practices Act
Prohibits unfair, deceptive and abusive debt-collection practices. Learn more about Fair Credit Debt Collection Practices Act.