Imperial Solutions

The National Consumer Law Center provides legal advocacy and resources for consumers.

The Real Estate Settlement Procedures Act requires lenders to provide borrowers with a good faith estimate of closing costs.

The Home Mortgage Disclosure Act requires lenders to report data on mortgage loans, including race and ethnicity of applicants.

The Community Reinvestment Act requires banks to meet the credit needs of their communities, including low-income and minority neighborhoods.

The Truth in Savings Act requires financial institutions to disclose the terms and conditions of their savings accounts.

The Electronic Signatures in Global and National Commerce Act allows electronic signatures to be legally binding.

The Equal Credit Opportunity Act prohibits lenders from discriminating against applicants based on their age.

The Fair and Accurate Credit Transactions Act requires credit bureaus to provide consumers with a free credit report if they are denied credit.

The Credit Repair Organizations Act regulates credit repair companies and prohibits them from making false claims.

The Fair Credit Reporting Act requires credit bureaus to investigate disputes within 30 days.

The Fair Credit Reporting Act allows consumers to request a free copy of their credit report from each of the three major credit bureaus every 12 months.

The Fair Debt Collection Practices Act prohibits debt collectors from harassing or abusing consumers.