Consumer Protection Library

Browse by Statute

Every consumer protection article, practice page, and newsletter story on this site, organized by the federal and New York laws it cites. A reference for consumers, a research starting point for practitioners, and a map of how these statutes interact in practice.

FCRA Fair Credit Reporting Act Credit report accuracy, dispute procedures, background checks, identity theft blocking, adverse action notices, and credit bureau liability. 15 U.S.C. § 1681 et seq. FDCPA Fair Debt Collection Practices Act Debt collector conduct rules, validation notices, time-barred debt, harassment, and false or misleading representations. 15 U.S.C. § 1692 et seq. TCPA Telephone Consumer Protection Act Robocalls, spam texts, autodialer rules, prior express consent, revocation of consent, and $500 to $1,500 per-violation statutory damages. 47 U.S.C. § 227 EFTA Electronic Fund Transfer Act Unauthorized debit card charges, bank error resolution timelines, liability caps, and the federal framework for electronic banking disputes. 15 U.S.C. § 1693 et seq. FCBA Fair Credit Billing Act Credit card billing errors, the 60-day dispute window, card issuer investigation duties, and the $50 liability cap on unauthorized use. 15 U.S.C. § 1666 et seq. ECOA Equal Credit Opportunity Act Credit discrimination, adverse action notice requirements under Regulation B, and remedies when a credit denial crosses legal lines. 15 U.S.C. § 1691 et seq. NY Law New York Consumer Protection GBL 349/350 deceptive practices, the Consumer Credit Fairness Act (CPLR 214-i), the Clean Slate Act, and state-specific consumer rights. NY GBL, CPLR, Exec. Law

How to Use This Library

Every article, guide, and practice-area page on this site cites the statute that governs it. Because consumers usually do not know which statute applies to their problem — they know that a debt collector keeps calling, or that an apartment rejection mentioned a background check, or that a credit card balance does not match what they paid — this library runs in the opposite direction. Start with the statute you want to understand, and see every piece of our writing that discusses it, with the specific sections cited.

For readers working through a specific problem, the blog and the Consumer Shield newsletter are organized by topic and date. For readers researching a claim, this statute library is the faster entry point.