The Fair Debt Collection Practices Act (FDCPA )is a consumer protection amendment to the Consumer Credit Protection Act. It establishes legal protection from abusive debt collection practices. The primary purposes of the act are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection and to provide consumers with a way of disputing and obtaining validation of debt information in order to ensure the information’s accuracy. The act also creates guidelines under which debt collectors may conduct business; it defines rights of consumers involved with debt collectors and prescribes penalties and remedies for violations of the Act.
The Fair Credit Reporting Act (FCRA) is a federal law which regulates the collection, sharing and use of consumer information, including consumer credit information. This law is enforced by the US Federal Trade Commission (FTC).
The US Federal Trade Commission (FTC) is an agency of the United States government. Its principal mission is the promotion of consumer protection and the elimination and prevention of anti-competitive business practices.
The Illinois Consumer Fraud and Deceptive Business Practices Act protects Illinois consumers and borrowers from fraud, unfair competition and deceptive business practices.
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