Funda okungakumbi malunga zabo ubaluleke kangaka
Ukuba ufuna ukukhusela yakho consumer amalungelo, kufuneka ukwazi a ezimbalwa izinto:) yintoni amalungelo akho ezikhoyo) nee-arhente ukuba unako ukunceda xa amalungelo akho zithe violated
Ngezantsi uzakufumana amakhonkco kwi-consumer protection nemithetho zabo entirety, ngokunjalo amanqaku ukuba anike isishwankathelo le mithetho.
Ii-arhente zikarhulumente inikwe uxanduva lokubhalisa nokuxhasa kunye ukukhusela amalungelo akho ziquka Federal Urhwebo Ikhomishini (FTC), Bureau of Consumer Protection (a ukwahlulwa FTC), kwaye Umthengi-Mali umyalelo wokhuselo Bureau (CFPB). Fumana amakhonkco yabo esemthethweni websites ngezantsi, ngokunjalo amanqaku ukuba anike oluneenkcukacha breakdown ezi protections. Olukhawulezayo Isikhokelo Elifanelekileyo Credit lokwenza ingxelo Umthetho Ukufunda iphawula ukususela FCRA, kuquka enkulu amalungelo afforded yi-FCRA, luxanduva data furnishers, indlela credit imbambano kwinkqubo imisebenzi, kwaye ngaphezulu. Elifanelekileyo kwaye Ichanekile-Credit Eyenziweyo Umthetho Get iinyaniso ngalento ukongeza kwi-FCRA, kuquka njani yona ikunceda kuthintela uchazo ubusela, uphucula consumer imbambano isisombululo, ichaphazela ufikelelo lwakho yakho umniki ngxelo, kwaye ubandakanya ne-Patriot Mthetho. Elifanelekileyo Ityala Uqokelelo Ukuba Umthetho I-FDCPA waba owenziwe ukuseka isemthethweni umyalelo wokhuselo ukusuka abusive ityala uqokelelo iindlela ezilungileyo.
Funda ukuba yintoni amalungelo akho ingaba njengoko i-consumer kwaye ntoni ukwenza ukuba ityala isitalato sele violated amalungelo akho.
FDCPA Violations: Isishwankathelo Into wokuqokelelwa Akanako Ukwenza Get iinyaniso malunga yintoni wokuqokelelwa akanako ukwenza xa ngabo ukuzama ukufumana kwenu, ukuqokelela a ityala evela kuwe, thatha isemthethweni intshukumo ngokuchasene nani, kwaye ngaphezulu. Consumer-Credit Protection Act Ukusukela ngo, Umthengi-Credit Protection Act (CCPA) wenziwe ukukhusela kubathengi ngokuchasene credit abuses. Lo mthetho kuquka nezinye ezininzi credit protections ngokusebenzisa Inyaniso Abolekisa Act, Elifanelekileyo Credit lokwenza ingxelo Act, Aqhuba Garnishment Umthetho, No-Credit Ithuba Act, Elifanelekileyo Ityala Uqokelelo Ukuba Umthetho, Olwathi Imali Unikezelo Umthetho, kwaye Credit Nokulungisa Organizations Mthetho. Inyaniso Abolekisa Umthetho I-TILA waba owenziwe njengoko Isihloko mna-Consumer-Credit Protection Act. Ukususela ngelo xesha, numerous izilungiso kuwo zithe yongezelela qiniseka lenders ingaba disclosing zonke vital ulwazi malunga-akhawunti yakho yamatyala.
Lean vetshe malunga yintoni lenders ingaba ngokusemthethweni kufuneka kukuxelela.
No-Credit Ithuba Umthetho owenziwe, ECOA kuyakhusela kubathengi kwi-credit-calulo ngokusekelwe ngesondo, ngokobuhlanga, inkolo, somtshato, ubudala, okanye lemveli wesizwe. Lo mthetho spells ngaphandle yintoni i-creditor unako kwaye akanako ukwenza ngoko ke kubalulekile imperative uyaqonda yakho isemthethweni amalungelo njengoko i-consumer. Nika izizathu ezibangela ukuba ucinge Imali Unikezelo Umthetho I-transferring imali electronically iza kunye enye enkulu flaw nokungabikho a iphepha umzila okanye uxwebhu ukuba unikezelo ngokuqinisekileyo waba esikolweni. Yilonto Zombane Imali Unikezelo Mthetho ubizwa ngoko ke kubalulekile kwaye omnye enika consumer protection xa transferring imali electronically. Aqhuba Garnishment Umthetho Isihloko III Get iinyaniso malunga Aqhuba Garnishment Umthetho (Isihloko III) Consumer-Credit Protection Act. Xa unako yakho umvuzo kusenokuba garnished, yimalini banako ukuthatha, ungakwazi njani uphephe kuyo. FTC Kuthatha Ezintathu Telemarketing Intlawulo Iindlela Ngaphandle Itafile Ezintathu intlawulo iindlela ukuba scammers ngaphambili osetyenziselwa dupe kubathengi ingaba ngoku mthethweni. Get iinyaniso malunga imali imali abalawuli unikezelo, imali layisha kwakhona iindlela, kwaye ekude yenziwe intlawulo. FTC Imigaqo nokuchaza kuba Ityala Consolidation Iinkampani Ngo, i-FTC ya - Telemarketing Iintengiso Umthetho ukuquka ityala uncedo imithetho. Get iinyaniso malunga ikhutshwe kwasekuqaleni enobudlelane, ikhutshwe kwasekuqaleni imirhumo, savings uqikelelo, kwaye ngaphezulu. Federal Urhwebo Ikhomishini Esemthethweni Iwebhusayithi Ngowe, Umongameli Woodrow Wilson yenza i-Federal Urhwebo Ikhomishini Act, apho wadala FTC. Ke ebufundisini Ukukhusela kubathengi nokukhuthaza ukhuphiswano. Ndwendwela igosa FTC kwiwebhusayithi ye consumer amalungelo ulwazi kwaye njani ukuba ifayile isikhalazo ukuba amalungelo akho zithe violated. zintlanu Izinto omele uzazi Njani Ukwenza Nge-FTC Filing i-consumer isikhalazo nje omnye izinto ezininzi ungayenza nge-FTC. Ungakhetha kwakhona ifayile i-uchazo ubusela ingxelo, ukuze free upapasho, kwaye fumana amakhonkco kuba ukongeza igama lakho ukuba wenze-hayi-call registry kwaye ordering umniki ngxelo. Bureau of Consumer Protection Esemthethweni Iwebhusayithi Njengokuba icandelo le-FTC, Bureau of Consumer Protection collects izikhalazo, investigates, kwaye sues iinkampani kuba akulunganga, deceptive, kwaye fraudulent ishishini iindlela ezilungileyo. Consumer-Mali umyalelo wokhuselo Bureau Esemthethweni Iwebhusayithi I-Dodd-Frank Eludongeni Street Komhlaba kwaye Consumer Protection Act ka- waseka CFPB. Oku ezigunyazisiweyo zengxelo-arhente oversees-mali iimveliso neenkonzo, enforcing imithetho educating abasebenzisi bamanzi. Tyelela CFPB iwebhusayithi kuba bonke ihlela ka-invaluable ulwazi. Njani ukuze Ufake Isikhalazo kwi-CFPB Ukuba ufaka ekubeni ingxaki nge-mali imveliso okanye inkonzo, ufake isikhalazo kwi-CFPB. Nantsi indlela Uyisebenzisa njani i-CFPB Consumer Isikhalazo Database Phambi usenza isicelo semali-mboleko okanye ikhadi lebhanki letyala, ukukhangela inkampani kwi-CFPB ke consumer isikhalazo database. Unako kanjalo ukukhangela izikhalazo malunga ne-credit lokwenza ingxelo, credit nokulungisa, ityala kwenkunkuma, kwaye ngaphezulu. Free Credit Inqaku Phulo Ngokungafaniyo ne-credit iingxelo, umthetho akusebenzi kufuna ukuba credit amanqaku kubonelelwa for free. Ngoko ke, ukubaluleka le CFPB ke free credit inqaku phulo, ngokukhuthaza ikhadi lebhanki letyala issuers ukubonelela credit amanqaku yabo abathengi. Mali Imfundo kuba Abantwana kunye nabantu Abadala kuqwalasela zonke iindlela i-CFPB ngu ekuphuculeni-mali nokubhala, kuquka ayo 'Ukwazi Phambi Kwenu Tyala' iphulo, uqeqesho kuba izindlu counselors, K curriculum iingcebiso, kwaye ngaphezulu. Indlela CFPB Ngokuphonononga Servicemembers Amadoda nabafazi wayekhonza wethu military ingaba ingakumbi buthathaka violations zabo consumer amalungelo. Kuqwalasela free mali noovimba - CFPB ibonelela ukuba servicemembers njani abo uncedo xa zabo amalungelo ingaba violated. Banking Iimveliso Neenkonzo I-CFPB regulates i-banking ishishini, collaborates kunye zoluntu iibhanki kwaye credit iimanyano, ubhala entsha imithetho imigaqo, kwaye isamkele consumer banking izikhalazo. Student Banking kwaye Credit Amakhadi - CFPB siqhuba inquiries ingene kwi-campus student financial services, educates abafundi malunga zabo banking iinketho, maintains uvimba weenkcukacha esikolweni ikhadi lebhanki letyala, izivumelwano, kwaye isamkele student banking izikhalazo.
Intlawulo Amakhadi - CFPB administers IKHADI Act ka, designs entsha kwaye ukuphucula credit izivumelwano nezibhengezo, maintains uvimba weenkcukacha ikhadi lebhanki letyala, izivumelwano, isamkele ikhadi lebhanki letyala, izikhalazo, kwaye ubhala entsha imithetho imigaqo.
Ngamazwe Imali Unikezelo - CFPB enforces i-Remittance Unikezelo Umthetho, isamkele imali unikezelo izikhalazo, kwaye ubhala entsha imithetho imigaqo.
Student yemali-Mboleko yakho yakwa - CFPB wadala i-Financial Aid Inqwelo Yemigca, ngokunjalo a customizable isixhobo kuba ugqirha financial aid inikezela.
Baye kanjalo educate abafundi malunga zabo imali-mboleko iinketho, ukulawula i-student ishishini imali-mboleko, kwaye yamkela student-mboleko izikhalazo.
Payday yemali-Mboleko yakho yakwa - CFPB regulates i-payday-mboleko ishishini, siqhuba izifundo zophando lwe payday-mboleko ishishini, educates kubathengi ka-payday iimali-mboleko, kwaye isamkele payday-mboleko izikhalazo.
Mortgages I-CFPB regulates i-mortgage icandelo, kwaye iphakamisa enforces mortgage imigaqo, ikhuthaza ayo 'Ukwazi Phambi Kwenu Tyala' iphulo, unikezela mortgage data izixhobo, ibonelela uqeqesho kuba izindlu counselors, kwaye isamkele mortgage izikhalazo. Ngokuzenzekelayo yemali-Mboleko yakho yakwa - CFPB regulates ngokuzenzekelayo lenders, kuthatha ukunyanzeliswa intshukumo, educates kubathengi ka-auto-mboleko, kwaye isamkele auto-mboleko izikhalazo. Ityala Uqokelelo - CFPB oversees ityala uqokelelo ishishini, publishes ingxelo yonyaka elifanelekileyo ityala uqokelelo ukuba ingxelo, ibonelela kubathengi kunye isampuli intshukumo iileta, ubhala entsha ityala uqokelelo miyalelo, kwaye isamkele ityala uqokelelo izikhalazo. Credit lokwenza ingxelo I-CFPB enforces i-Elifanelekileyo Credit lokwenza ingxelo Act, supervises credit lokwenza ingxelo iinkampani, compiles iingxelo kwi-credit ishishini lokwenza ingxelo, kwaye isamkele credit lokwenza ingxelo izikhalazo. Disclaimer: Credit Ulwazi, LLC zibe compensated kwi-exchange kuba featured ubeko ethile ibonelele ads neenkonzo, okanye yakho unqakraza ezithile amakhonkco ibonise kule website.
