In a perfect world, Natural Law might keep everyone's morals and ethics in check.  On the other hand, our beloved Congress seems to think that these "Unnatural" Acts are required to remind everyone of the boundaries that the ethically- or morally-challenged individual might chose to blur.

Below are the full texts of the various consumer credit protection, housing, and finance related Acts which are implemented and enforced by the Federal Trade Commission among other governmental regulators.  U.S. Code descriptions follow the hypertext link to each Act in parentheses, and cites are indicated beneath each reference.  Several Acts feature downloadable Adobe Acrobat .PDF format documents, as indicated in brackets to the right.

• Fair Credit Billing Act (Title 15 Ch. 41 Sub. I Part A ? 1601 et seq.)            [FCBA in PDF]
  Pub. Law 93-495, Title III, Oct. 28, 1974, 88 Stat. 1511, see 15 USC 1601
• Credit Repair Organizations Act (Title 15 CH. 41 Sub. II-A ? 1679)
  Pub. Law 90?321, Title IV, as added Pub. Law 104-208, div. A, Title II, ?2451, Sept. 30, 1996, 110 Stat. 3009?454 (15 USC 1679 et seq.), see 15 USC 1601
• Fair Credit Reporting Act Jump Page (Title 15 Ch. 41 Sub. III ? 1681)       [FCRA in PDF]
  Pub. Law 90?321, Title VI, as added Pub. Law 91-508, Title VI, ?601,
  Oct. 26, 1970, 84 Stat. 1127 (15 USC 1681 et seq.), see 15 USC 1601
• Fair Debt Collection Practices Act (Title 15 Ch. 41 Sub. V ? 1692)              [FDCPA in PDF]
  Pub. Law 90?321, Title VIII, as added Pub. Law 95-109, Sept. 20, 1977,
  91 Stat. 874 (15 USC 1692 et seq.), see 15 USC 1601 note
• Equal Credit Opportunity Act (Title 15 Ch. 41 Sub. IV ? 1691)
  Pub. Law 90?321, Title VII, as added Pub. Law 93-495, Title V, ?503,
  Oct. 28, 1974, 88 Stat. 1521 (15 USC 1691 et seq.), see 15 USC 1601
• Electronic Fund Transfer Act (Title 15 Ch. 41 Sub. VI  ? 1693)
  Pub. Law 90?321, Title IX, as added Pub. Law 95-630, Title XX, ?2001,
  Nov. 10, 1978, 92 Stat. 3728 (15 USC 1693 et seq.), see 15 USC 1601
• Real Estate Settlement Procedures Act - Reg. X (Title 12 Ch. 27  ? 2601 et seq.) Pub. Law 93-533, Dec. 22, 1974, 88 Stat. 1724, see 12 USC 2601 note
• Truth in Lending Act - Reg. Z (Title 15 ? 1602)                                                 [TILA in PDF]
  Pub. Law 90-321, Title I, May 29, 1968, 82 Stat. 146 (15 USC 1601 et seq.)
  Simplification & Reform Act:  Pub. Law 96-221, Title VI, Mar. 31, 1980, 94 Stat. 168 Amendments of 1995: Pub. Law 104-29, Sept. 30, 1995, 109 Stat. 271 Class Action Relief Act of 1995: Pub. Law 104-12, May 18, 1995, 109 Stat. 161 see 15 USC 1601 note
• Home Mortgage Disclosure Act - Reg. C (Title 12 Ch. 29 ? 2801)
  Pub. Law 94-200, Title III, Dec. 31, 1975, 89 Stat. 1125
  (12 USC 2801 et seq.)  see 12 USC 2801 note
• Home Ownership & Equity Protection Act (Title 15 Ch. 41 Sub. I Part B ? 1639) Pub. Law 103?325, Title I, Subtitle B (?151 et seq.), Sept. 23, 1994, 108 Stat. 2190 see 15 USC 1601 note
• Fair Housing Act (Title 42 Ch. 45  Sub. I ? 3601)
  Pub. Law 100-430, Sept. 13, 1988, 102 Stat. 1619, see 42 USC 3601
• Consumer Leasing Act (Title 15 Ch. 41  Sub. I  Part E  ? 1667)
  Pub. Law 94-240, Mar. 23, 1976, 90 Stat. 257 (15 USC 1667 et seq.)
  see 15 USC 1601 note
• Federal Deposit Insurance Corporation Improvement Act (Title 12 Ch. 16  ? 1831-1835)  Pub. Law 102-242, Dec. 19, 1991, 105 Stat. 2236, see 12 USC 1811 note
• Identity Theft & Assumption Deterrence Act (Title 18 Ch. 47 ? 1028)       [ITADA in PDF]
  Pub. Law 105-318, Oct. 30, 1998, 112 Stat. 3007, see 18 USC 1001 note
• Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (Title 11)
  Details to follow

If this concise collection of mind-numbing legal documents has not yet bored you silly or rendered you completely catatonic, Real Estate and Mortgage professionals may relish in the extended list of links that may be reviewed from our Compliance page.  Gluttons for punishment may also participate.

Search other Federal Regulations and Public Laws using the CFR and US Code search engines.  Alternately, US Code may be searched from our US Code Search page or from the Legal Information Institute search engine at Cornell University.  And if you wish to know more about State laws regarding debt, credit, and bankruptcy, may I suggest that you visit LawDog.com -- one very cool site for such matters.  (Caveat:  I am not a lawyer, I just play one on the Internet.  This website is not to be construed as offering any form of legal advice; the content is merely presented for educational purposes.)

Kindly advance to our Debt & Credit Tips page for a host of FTC consumer bulletins, which I promise is largely devoid of legal jargon or cites.