Government Resources

Federal Trade Commission

Enforces consumer protection laws concerning mortgages, finance and state credit unions.

www.ftc.gov

United States Attorney General

(United States Department of Justice): Protects the public from unlawful business practices.

www.usdoj.gov

California Attorney General

The Public Rights division of the California Attorney General's Office : Enforces California's consumer protection laws to prevent fraudulent business practices, unsafe products, and misleading advertisements.

caag.state.ca.us

Federal Deposit Insurance Corp

Regulates banks that are not members of the Federal Reserve System but are FDIC insured, and state chartered banks and trusts.

www.fdic.gov

Comptroller of the Currency

Regulates national banks.  (These banks usually have the word "National" in their name, or the letters "N.A." after their name.)

www.occ.treas.gov

Office Thrift Supervision

Regulates Federal savings and loans and federal savings banks.

www.ots.treas.gov

National Credit Union Administration

Regulates National Credit Unions.

www.ncua.gov

U.S. Department of Housing and Urban Development

Enforces fair housing laws as well as regulates the purchase or refinance of a home.

www.hud.gov

Federal Reserve Board

The Federal Reserve Board issues rules and regulations that govern banking and consumer policy.

www.federalreserve.gov

Industry Resources

Annual Credit Report Web site

Provides free annual credit reports from the three major CRA's as required by Federal Law.

www.annualcreditreport.com*

Laws About Consumer Credit and Credit Reporting

Federal Fair Credit Reporting Act

15 U.S.C. §1681 et seq.

www.ftc.gov/os/statutes/fcra.html

Fair and Accurate Credit Transactions Act

16 C.F.R Part 610, 698

http://www.ftc.gov/opa/2004/06/freeannual.htm

Federal Fair Debt Collection Act

15 U.S.C. §1682 et seq.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

Real Estate Settlement Procedures Act

12 U.S.C. §2601 et seq.

http://www.hud.gov/offices/hsg/sfh/res/respa_hm.cfm