Know Your Rights
Understanding the laws that protect you is the first step to defending yourself against predatory lending, unlawful collections, and credit abuse.
Federal Statutes That Protect You
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Truth in Lending Act (TILA)
Requires clear disclosure of loan terms, interest rates, and finance charges. TILA violations can entitle you to statutory damages and rescission rights.
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Fair Credit Reporting Act (FCRA)
Gives you the right to accurate credit reporting, to dispute errors, and to have furnishers investigate disputed information.
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Equal Credit Opportunity Act (ECOA)
Prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or public assistance income.
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Real Estate Settlement Procedures Act (RESPA)
Governs mortgage servicing, escrow accounts, and requires good-faith estimates and closing disclosures. Violations can result in damages and loan forgiveness.
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Uniform Commercial Code Article 9
Governs secured transactions — including auto loans and repossession. Understanding Article 9 is critical to challenging unlawful repossessions.
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FTC Holder Rule
Preserves consumer claims and defenses against assignees of consumer credit contracts — crucial in auto dealer fraud cases.
Educational Guides
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How to Read Your Credit Report
Step-by-step guide to identifying errors, fraudulent accounts, and furnisher violations on your credit report.
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Understanding Your Auto RISC
Learn how to read your Retail Installment Sales Contract and identify hidden fees, improper add-ons, and rate violations.
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How Banks Create Credit
Understand the money-creation process, how fractional-reserve lending works, and why this matters for consumer protection.
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Repossession Law Explained
What creditors can and cannot do under UCC Article 9 — including notice requirements, deficiency claims, and your redemption rights.
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Foreclosure Defense Basics
Overview of the foreclosure process, common bank violations, loan modification options, and how to spot robo-signing or improper assignments.
CFPB Enforcement Actions & Resources
The Consumer Financial Protection Bureau publishes enforcement actions, supervision highlights, and consumer complaint data. Understanding CFPB precedent can strengthen your position when dealing with financial institutions.