Credit and Loans

If you extend credit to consumers, are in the business of offering loans, or help companies that do, know your compliance responsibilities.  (Looking for information about credit reports or consumer reports?  Visit Credit Reporting.)

Advertising Consumer Leases [PDF]

Does your company advertise consumer leases? This publication focuses on your legal obligations under the Consumer Leasing Act and Regulation M.

Complying with the Credit Practices Rule

If your company is a creditor subject to FTC jurisdiction, the Credit Practices Rules applies to you. Read this guide to find out what the Rule requires and what transactions are covered.

Getting Business Credit [PDF]

Thinking about starting your own business or expanding the one you own? When you shop for a loan or line of credit, the law protects you against discrimination. The Equal Credit Opportunity Act prohibits creditors from denying you a loan based on reasons that have nothing to do with your credit-worthiness.

Mortgage Assistance Relief Services Rule: A Compliance Guide for Business [PDF]

The Mortgage Assistance Relief Services (MARS) Rule makes it illegal to charge upfront fees and requires specific disclosures in ads and when you forward a lender’s offer to a homeowner. Are you covered by the Rule? Are you up on your compliance obligations?

Mortgage Assistance Relief Services Rule: A Compliance Guide for Lawyers [PDF]

The Mortgage Assistance Relief Services (MARS) Rule includes specific provisions that address attorneys’ obligations. Learn more about activities that fall within the scope of the rule and how to make sure you're in compliance.

New Rules on Electronic Payments Lower Costs for Retailers [PDF] [En español]

If your business accepts payment by credit or debit card, new rules on electronic payments may help you lower your costs.

Using Consumer Reports: What Employers Need to Know

When you use consumer reports to make employment decisions like hiring, promotion, reassignment, and retention, the Fair Credit Reporting Act requires you to take important compliance steps. Find out more about keeping your company within the law.

Using Consumer Reports: What Landlords Need to Know [PDF]

Landlords may use credit reports to evaluate rental applications — as long as they follow the provisions of the Fair Credit Reporting Act.