Know Your Credit Rights

If you applied for a mortgage or a home equity loan, obtained a credit card or used a loan to purchase a car, then you are a credit consumer. As a credit consumer, you should know your legal rights and obligations. This Consumer information pamphlet from the Pennsylvania Bar Association outlines a consumer’s rights and responsibilities under the Credit Card Accountability Responsibility and Disclosure Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, the Fair Credit Reporting Act and bankruptcy laws generally. [PDF] (2013)