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Consumer Credit Laws - Federal & State

This section of our web-links provides easy access to various State and Federal consumer credit protection laws.

Please be aware that as you read this, there maybe new federal or state laws being passed.These are free sites and should only be used for research. These sites do not offer legal advice.

These sites link you to various state or federal statutes.

	Web Link	Hits
	Summary of State Statutes of Limitations This .pdf file was compiled by ACCESS. It lists each state and their statutes for written contracts, oral contract and promissary notes.	1309
	US Code Many times it is best to read the law yourself. Here is a link that you may find helpful. The US Code maintained by Cornell University. It provides access the the entire federal code. Remember state code maybe different from federal code.	1663
	US Code - Consumer Credit Cost Disclosure This is also referred to as "Truth in Lending Act" and "Fair Credit Billing Act." Remember state consumer credit protection laws may differ from federal laws.	1688
	US Code - Credit Repair Organizations When it comes to credit repair, remember - if it sounds too good to be true - it is. While a lot has been done to stop credit repair shops, there are always unscrupulous businesses ready to take advantage of uninformed and desperate individuals. Remember state consumer credit protection laws may vary from federal laws.	1998
	US Code - Electronic Funds Transfer From debit cards to electronic payroll deposit, much of our banking is done electronicly. Here we find our rights at a federal level, remember state consumer credit protection laws maybe different.	1775
	US Code - Equal Credit Opportunity Act ECOA address various issues on discrimination. Remember state consumer credit protection laws may differ from federal laws.	1697
	US Code - Privacy The law regarding disclosure of nonpublic personal information and fraudulent access to financial information (aka Gramm-Leach-Bliley Act.) Remember state consumer credit protection laws may vary from federal.	1989
	FCRA with 2003 Revisions This link will provide you with a pdf file of the 2003 revision of the Fair Credit Reporting Act. FCRA is part of consumer credit protection laws.	1629
	Cornell Law Portal to State Statutes This URL provides a portal to various state statutes. Very easy to use. This provides you access to UCC code, which usually contains states' consumer credit protection laws.	2819
	FTC Portal to Federal & State Laws on Id Theft The Federal Trade Communication provides a rather extensive portal to both federal and state laws regarding Identity Theft.	1664