by Jason M. Gordon | Feb 23, 2025 | Consumer Protection
What is the Privacy Act of 1974 (Privacy Act)? The Privacy Act restricts the ability of the Federal Government to collect information about individual US citizens. Specifically, it regulates the use, maintenance, and dissemination of collected personally-identifiable...
by Jason M. Gordon | Feb 23, 2025 | Consumer Protection
What are the Requirements on Users of Credit Reports? A credit report is a collection of a consumers credit history. It includes such information as: past payment history, current credit accountings, late payments, credit limits, any debt or bill collection activity,...
by Jason M. Gordon | Feb 23, 2025 | Consumer Protection
What is the Electronic Communication Privacy Act of 1986 (ECPA)? The ECPA protects individuals against unlawful interception of electronic communications by the Federal Government or individuals. Specifically, it restricts the ability to undertake wire taps, computer...
by Jason M. Gordon | Feb 23, 2025 | Consumer Protection
What is the Fair Debt Collection Practices Act? The Fair Debt Collection Practices Act (FDCPA) was passed to protect consumers from abusive practices by debt collectors. It establishes limitations on debt collection practices, provides a method for disputing uncertain...
by Jason M. Gordon | Feb 23, 2025 | Consumer Protection
What is the Fair Credit Billing Act? The Fair Credit Billing Act (FCBA) was passed as an amendment to TILA with the purpose of protecting consumers against unfair billing practices. The FCBA is administered by FTC and applies within the consumers home state or 100...
by Jason M. Gordon | Feb 23, 2025 | Consumer Protection
What is Consumer Protection law? Consumer protection laws are state and federal laws that serve to protect individual consumers from deception or fraud in the marketplace. A consumer is someone who buys something for personal, family, or household use. These laws...
