The Federal Trade Commission (FTC) prepared the Fair Credit Reporting Act (FCRA) to protect consumers from harmful practices surrounding the collection, dissemination and use of consumer information, including consumer credit information. A summary of your rights based on the FCRA can be found here. A complete version of the FCRA can be found here.
The Consumer Financial Protection Bureau (CFPB) was created to enforce laws within the financial industry and protect consumers from unscrupulous practices that could harm an individual’s ability to understand offerings and make educated financial decisions. To learn more about the CFPB or to file a complaint about a company or practice you believe to be wrong, visit the CFPB website.