Law Library
Access summaries and key provisions of the federal consumer protection statutes that govern lending, credit reporting, debt collection, and financial services.
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TILA — Truth in Lending Act
Full disclosure of credit terms, right of rescission, and remedies for lender violations.
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FCRA — Fair Credit Reporting Act
Your rights regarding credit reporting accuracy, disputes, and furnisher obligations.
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FDCPA — Fair Debt Collection Practices Act
Prohibited debt collection practices and your right to cease communication.
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RESPA — Real Estate Settlement Procedures Act
Good faith estimates, escrow accounts, and servicing transfer requirements.
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ECOA — Equal Credit Opportunity Act
Protection against discrimination in any aspect of a credit transaction.
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UCC Article 9 — Secured Transactions
How security interests are created, perfected, and enforced — and what invalidates them.
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UDAAP — Unfair, Deceptive, or Abusive Acts or Practices
CFPB's authority to police financial marketplace misconduct.
Educational Guides
How to Read a Retail Installment Sales Contract (RISC)
Step-by-step guide to identifying hidden fees, improper interest calculations, and disclosure violations in auto finance contracts.
Auto Fraud Detection Guide
Common dealer fraud patterns including yo-yo sales, bait-and-switch financing, and hidden add-on products.
Understanding Mortgage Note Assignments
Learn how chain-of-title works and why broken assignment chains can affect foreclosure proceedings.
Credit Reporting Dispute Toolkit
Complete guide to disputing errors on your credit report with sample letters, timelines, and escalation procedures.
Tools & Templates
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TILA Rescission Notice Template
Sample notice for rescinding a consumer credit transaction within the 3-day right of rescission period.
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FCRA Dispute Letter Template
Template for disputing inaccurate information on your credit report directly with furnishers.
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RESPA Qualified Written Request (QWR) Template
Sample QWR for requesting information about the servicing of your mortgage loan.
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Debt Validation Request Template
Letter requesting validation of a debt under the FDCPA, including chain-of-custody documentation.