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Consumer Response Center

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Your Rights and the Law

In order to protect yourself, you need to understand your rights and the laws that cover your credit issues.

Consumer Protection Laws What rights do you have under the law and where can you find out more information?

What are your rights when a creditor calls?

How can you put an end to receiving unwanted telephone calls and "junk" mail solicitations?

If you want more specific information; here are direct links to the laws:

  • Equal Credit Opportunity Act
    Prohibits credit discrimination on the basis of race, sex, color, martial status, religion, national origin, age or receipt of public assistance.
  • Fair Credit Billing Act
    Establishes procedures for the prompt correction of errors on open-end credit accounts. It also protects a consumer's credit rating while the consumer is settling a dispute.
  • Fair Debt Collection Practices Act
    Requires debt collectors to treat you fairly by prohibiting certain methods of debt collection.


Last Updated 07/28/2014 Customer Assistance Online Form