The Center For Debt Management
[an error occurred while processing this directive]
[an error occurred while processing this directive] [an error occurred while processing this directive] [an error occurred while processing this directive] [an error occurred while processing this directive] [an error occurred while processing this directive]  

Consumer Handbook To
Credit Protection Laws

INTRODUCTION

THE COST OF CREDIT

Shopping Is the First Step
What Laws Apply?
The Finance Charge and Annual Percentage Rate (APR)
A Comparison
Cost of Open-end Credit
Leasing Costs and Terms
Open-end and Closed-end Leases
Costs of Settlement on a House

APPLYING FOR CREDIT

Discrimination
What Law Applies?
What Creditors Look For
Information the Creditor Can't Use
Special Rules
Discrimination Against Women
If You're Turned Down

CREDIT HISTORIES AND RECORDS

Building Up a Good Record
What Laws Apply?
Credit Histories for Women
Maintaing Complete and Accurate Credit Records

OTHER ASPECTS OF USING CREDIT

What Laws Apply?
Billing Errors
Defective Goods or Services
Prompt Credit for Payments and Refunds for Credit Balances
Cancelling a Mortgage
Lost or Stolen Credit Cards
Unsolicited Cards

ELECTRONIC FUND TRANSFERS

EFT in Operation
What Law Applies?
What Record Will I Have of My Transactions?
How Do I Correct Errors?
What About Loss or Theft?
What About Mail Solicitations for Debit Cards?
Do I Have to Use EFT?

FILING A COMPLAINT ABOUT CREDIT

Filing a Complaint with Federal Enforcement Agencies
Penalties Under the Laws

GLOSSARY

FEDERAL RESERVE SYSTEM

DIRECTORY OF FEDERAL AGENCIES

Back Index Next

Deep In Debt?  —  Call 1800 DEBT.COM  —  Get Help Today!


  [an error occurred while processing this directive] [an error occurred while processing this directive] [an error occurred while processing this directive] [an error occurred while processing this directive] [an error occurred while processing this directive]
[an error occurred while processing this directive]
[an error occurred while processing this directive]