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Consumer Protection Laws and Your Rights
Mortgage Library: Consumer Protection Laws
| RESPA - Real Estate Settlement Procedures Act
The Real Estate Settlement Procedures Act (RESPA) is a consumer protection statute. It covers one-to-four family residential property purchase loans, assumptions, refinances, property improvement loans, and equity lines of credit.
The Truth in Lending Act requires creditors to disclose in writing certain cost information, such as the annual percentage rate ("APR"), before consumers enter into credit transactions.
The Equal Credit Opportunity Act prohibits credit discrimination on the basis of sex, race, marital status, religion, national origin, age, or receipt of public assistance.
The Fair Credit Reporting Act (FCRA) is the federal law regulating credit reporting companies. It
ensures the accuracy and privacy of information kept by credit bureaus and consumer reporting agencies. This law protects consumers' rights, such as the right to review and contest
information in their credit profiles.
The Fair Debt Collection Practices Act prohibits debt collectors from engaging in unfair, deceptive, or abusive practices, including over-charging, harassment, and disclosing consumers' debt to third parties.
The Fair Housing Act Your Rights
The National Housing Act
The Interstate Land Sales program protects consumers from fraud and abuse in the sale or lease of land. In 1968 Congress enacted the Interstate Land Sales Full Disclosure Act, which is patterned after the Securities Law of 1933 and requires land developers to register subdivisions of 100 or more non-exempt lots with HUD and to provide each purchaser with a disclosure document called a Property Report. The Property Report contains relevant information about the subdivision and must be delivered to each purchaser before the signing of the contract or agreement.
Compilations of U.S. laws and links to the other law resources of the Internet:
GPO Access is a service of the U.S. Government Printing Office that provides free electronic access to Federal Government information.
Law Office Information System The company currently offers access to comprehensive law libraries (case law, statutes, administrative codes, court rules, jury instructions, attorney general opinions, etc).
State Statutes on the Internet:
Municipal Code Corporation Includes a searchable database of local government Codes of Ordinances from around the United States.
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