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Credit / Debt

• Agencies & Organizations
  • Consumer Financial Protection Bureau
  • Federal Reserve Board
    Consumer guides on credit reports, scores, and notices you may receive from credit lenders.
  • Federal Trade Commission
    Information about credit reports, credit cards & consumer loans, billing, debt, mortgages, and privacy.
  • National Consumer Law Center
    Credit-related reports, policy analysis, litigation, and consumer information.
  • WI Dept. of Financial Institutions
    • Includes information on collection practices, disputing a debt, cancellation rights, scams, and other credit related information.
• 2009 Credit Card Act
  • Credit Card Act of 2009
  • What You Need To Know: New Credit Rules (Federal Reserve System)
• Complaints
  • Complaints Against Companies and Business Practices (Federal Trade Commission)
  • Credit Complaint or Inquiry (WI Dept. of Financial Institutions)
    Accepts complaints from Wisconsin residents or complaints against companies located in Wisconsin.
  • Credit Card Complaint (Consumer Financial Protection Bureau)
• Consumer Credit (American Bar Association)
  Guide to choosing credit, consumer protection, credit records and correcting mistakes, and debt collection.
• Consumer Credit (Cornell Legal Information Institute)
  Commentary with links to federal statutes, regulations & opinions. Links to other sources of information.
• Credit Repair for Bad Credit (Nolo.com)
• Credit Reports
  • AnnualCreditReport.com
    Request a free annual credit report online, by phone or by mail.  Persons are entitled to one free credit file disclosure from each of the credit reporting companies (Equifax, Experian and TransUnion) ever 12 months.
  • How Private is My Credit Report? (Privacy Rights Clearinghouse)
  • Free Credit Reports (Federal Trade Commission)
• Debtor & Creditor (Cornell Legal Information Institute)
  Commentary with links to federal statutes, regulations & opinions. Links to state statutes.
• Forms
  • Sample Forms (Wisconsin Credit Association)
    Includes credit applications, bad check sample letter, letters of guaranty, promissory note, proof of claim.
• Medical Bills
  • Coping with Medical Bills & Debt (WI Dept. of Health Services)
  • Medical Billings (WI Bureau of Consumer Protection)
• Debts and Deceased Relatives (Federal Trade Commission)
• Privacy
  • Consumer Financial Privacy (FDIC)
  • Gramm-Leach-Bliley Act (Federal Trade Commission)
  • U.S. Code: 12 USC 3401-3422 "Right to Financial Privacy"
• Time-Barred Debts (Federal Trade Commission)

The Law (Additional statutes, regulations & opinions may apply to your specific situation.)

• WI Statutes: ch. 128 "Creditors' Actions"
• WI Statutes: ch. 421-429 "Wisconsin Consumer Act"
• WI Admin. Code: DFI-Bkg 76 "Sales Finance Companies"
• WI Admin. Code:  DFI-WCA 1 "Wisconsin Consumer Act"
• U.S. Code: 15 USC 1601-1693 "Consumer Credit Protection"
• Federal Laws
  • Credit Card Act of 2009
  • Legal Resources: Laws, Rules & Guides (Federal Trade Commission)
    Full text of federal laws such as the Equal Credit Opportunity Act, Fair Credit Billing Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, the Truth In Lending Act, etc.

Search for more statutes, regulations & opinions.

Last Updated: April 8, 2013 | Up to Top