Fair Credit Reporting Act (FCRA) - Designed to promote accuracy and ensure the privacy of the information used in consumer reports, the FCRA ensures that consumer reporting agencies (CRAs), such as credit bureaus, furnish correct and complete information to businesses for use when evaluating your application.

Equal Credit Opportunity Act (ECOA) - prohibits credit discrimination based on sex, race, marital status, religion, national origin, age, or receipt of public assistance.

Fair Credit Billing Act (FCBA); Electronic Fund Transfer Act (EFTA) - establishes guidelines for resolving mistakes on credit billing and electronic fund transfer account statements.

Fair Debt Collection Practices Act (FDCPA) - prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts. This applies to personal, family, and household debts, and includes money owed for the purchase of a car, for medical care, or for charge accounts.

To learn more about these laws and your federally protected consumer rights, read Credit Laws - Your consumer rights in our tutorial section.