Our Members are not alone in their journey to good credit. The Federal Trade Commission and the state Attorneys General receive feedback from our Members almost daily. Feedback like this helps ensure fair and just government enforcement of credit industry regulations.

The Federal Trade Commission (FTC) was created in 1914 when Congress passed the Federal Trade Commission Act (FTCA). The FTC is a government entity which has the power to prohibit unfair practices including unfair methods of competition in or affecting commerce and unfair or deceptive acts or practices in or affecting commerce.

The FTC is responsible for protecting consumers; however, it cannot file suit against a business on behalf of a consumer. The FTC will file suit on behalf of the U.S. Government to enforce federal laws if there is a consistent pattern of a particular business violating a law.

The credit industry which includes credit bureaus, creditors, debt collectors, and credit repair organizations is regulated by the FTC. All consumer complaints which the FTC receives are kept on file. The FTC uses consumer complaint data to enforce consumer credit protection laws which is accomplished when it successfully sues a business.

We send a carbon copy of each of our Member’s formal FCRA dispute letters to the FTC. This is only possible because of our transparent dispute business model which ensures accuracy with each dispute letter. We are committed to doing our part to strengthen the regulation of federal consumer credit protection laws

Each state has an Attorney General which is responsible for protecting consumers like you and legitimate businesses. Similar to the FTC, state Attorneys General cannot represent an individual consumer, but they can represent the state and file suit on behalf of the state to enforce state laws that a business is violating.

We provide our Members with the contact information for each state Attorney General. Our Members learn that all state Attorneys General promote widespread consumer education and public awareness as the best way to prevent consumer abuse by a business.