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Federal Trade Commission - Know Your Rights As A Consumer

Your rights as a consumer are protected under the law. How do you know if you're being treated fairly? What should you do if you believe your rights have been violated?

The FTC Enforces Your Consumer Rights

The U.S. Federal Trade Commission (FTC) enforces various consumer protection and antitrust laws. The FTC serves as a center of consumer information and keeps a database of consumer complaints. The FTC will take legal action against a company if a pattern of possible law violations is discovered.

Some of Your Consumer Rights

In 1968 the U.S. Congress passed a law protecting your credit rights known as the Consumer Credit Protection Act (CCPA). Over the years, the CCPA has been amended and extended. Most of the enforcement of the consumer credit protection laws is done by the FTC, although the Federal Reserve Board also plays a part in consumer credit industry regulation. Some of the consumer credit legislation includes:

  • You can get more information on your rights under the law by searching for related articles in the CareOne Credit Library section.

How to Get Help

Resources are available to you if you:

  • Believe you've been the victim of a scam.

  • Think your consumer rights have been violated.

  • Want more information on your consumer rights.

First, contact your state's consumer affairs office or the Attorney General of your state www.naag.org. Second, don't forget to file a complaint with the FTC if you feel your rights have been violated. You can call the FTC toll free at 1-877-FTC-HELP (382-4357). You can make a difference to another consumer who may be subjected to similar treatment.

For more information, visit the FTC's Website on Credit.

Take control of your finances with our debt help tools. Use our calculators and budget planner to help you manage your money.

For more information on personal finance, or debt consolidation, search the CareOne Credit Knowledge Center Articles.

To learn about our debt management service, see the CareOne Credit Quick Answer Guide.


If you liked this you may also like:

  • The Truth About The Truth In Lending Act

    Reading the fine print when you apply for credit can be tedious and time consuming. Take your time, though, because understanding the details will allow you to compare your options and make good credit decisions.

  • Financial Regulatory Reform to Provide Consumer Protections

    Learn how a new federal law provides better protection over consumer credit and lending practices, and what it all means for you.

  • What are my Consumer Credit Rights?

    Worried that your employer can take a look at your credit file whenever they feel like it? Well, you shouldn't be. Yes, employers can request a copy of your credit report. But not whenever they want, and not without your permission. Federal law carefully regulates how information about your credit can be used. The two most important laws for you to know about are the Equal Credit Opportunity Act (ECOA) and the Fair Credit Reporting Act (FCRA).

  • Dealing with Debt Collectors - Know Your Rights

    When struggling to get out of debt, it's likely that you may cross paths with a collection agency at some point - a third party agency hired by your creditor to collect on your debt. Some collectors are more aggressive than others. It's important to know your rights as a consumer so that you don't fall victim to an aggressive collector employing unscrupulous methods. If you have past due accounts, it's important to know how to effectively deal with collectors and what recourse you have when confronted with overly aggressive tactics.

  • You Are Entitled To Fair Debt Collection Practices

    Even if you've fallen behind on a debt, you are entitled to fair and considerate treatment. Find out more about debt collection and what your rights are under the law.

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