CROA: Credit Repair Organizations Act - Federal law governing credit repair organizations, requiring specific disclosures, prohibiting advance fees, and mandating written contracts
FCRA: Fair Credit Reporting Act - Regulates the collection, dissemination, and use of consumer credit information
FDCPA: Fair Debt Collection Practices Act - Regulates debt collection practices and may impact credit repair activities
FTC Act: Federal Trade Commission Act - Prohibits unfair or deceptive practices in commerce, including credit repair services
TSR: Telemarketing Sales Rule - Governs telemarketing practices which may be used in credit repair services marketing
GLBA: Gramm-Leach-Bliley Act - Sets privacy and security requirements for handling consumer financial information
State Credit Repair Laws: Individual state laws governing credit repair organizations, which may impose additional requirements beyond federal law
State Consumer Protection: State-specific consumer protection laws that may affect credit repair services and contract terms
State Licensing: State-specific licensing requirements for credit repair organizations
State Privacy Laws: State-specific data privacy laws governing the handling of consumer information
Mandatory Disclosures: Requirements for disclosing consumer rights, contract terms, cancellation rights, and fee structures
Prohibited Practices: Practices forbidden by law including false statements, advance fees, results guarantees, and advising false reporting
Data Protection Requirements: Security measures, confidentiality requirements, and data handling procedures required by various laws
Contract Requirements: Essential contract elements including service descriptions, payment terms, cancellation policies, performance metrics, and liability provisions
