A third-party collector tells Mia she will be arrested unless she pays a personal medical bill today. Which federal law governs this conduct?

Before signing a loan, Devon is not told the APR, finance charge, or total payments. Which law requires these credit-cost disclosures?

A credit report repeatedly lists an account that belongs to another person. Which law gives consumers rights to dispute inaccurate credit-report information?

A lender rejects Aisha's application because of her national origin. Which federal law prohibits this type of credit discrimination?

A card issuer sends Jordan's billing statement only 10 days before the payment due date. Which law addresses this credit-card billing practice?

A third-party collector seeks payment for a loan used only to buy landscaping equipment for a business. How does the FDCPA generally apply?

A car-loan ad says “$0 down and $250 a month” but leaves out the APR. Which law requires additional disclosures when ads use triggering credit terms?

Before ordering an employment credit report, an employer must give a clear disclosure and obtain written permission. Which law sets this requirement?

A 19-year-old applies for a credit card without a co-signer, so the issuer seeks evidence that she can repay. Which law supports this safeguard?

A seller advertises a “free trial” but bills customers without clear consent. Which federal agency works to stop unfair or deceptive marketplace practices?

Priya cannot resolve a mortgage-servicing error with her company. Where can she submit a federal complaint about this consumer financial product?

Which agency is associated with federal deposit insurance for deposits at most banks?

Which agency is associated with federal deposit insurance for deposits at federally insured credit unions?

A company sells stock to the public but omits important financial information. Which federal agency oversees securities disclosures and securities markets?

Noah wants to check a broker's background through BrokerCheck and report concern about the broker's conduct. Which organization fits this role?

Eva's credit denial notice says a consumer report affected the decision. Who maintains the report data she should obtain and review?

After a data breach exposes Alex's Social Security number, she wants a personalized recovery plan and an official report to show businesses. Which federal service should she use?

Leah finds an account on her credit report that belongs to someone else. What action directly seeks correction of that entry?

A collector's validation notice says Mateo has 30 days to dispute a personal debt, and he believes the debt is not his. What should he do?

Rosa paid a scammer with gift cards after receiving a fake tech-support message. Which federal site collects complaints about scams like this?

Jamal's personal information was exposed, and he does not plan to apply for new credit soon. Which action restricts access to his credit file to make new-account fraud harder?

Nia's wallet is missing, but she expects to apply for an apartment soon. She wants potential creditors to take extra steps to verify her identity without locking her reports. What should she request?

Ava paid by credit card for a concert that was canceled, and the seller will not refund her. What can she ask her card issuer to do?

Tessa signs a home-equity loan secured by her principal residence and receives the required disclosures. Two business days later, she changes her mind. What remedy may apply?

Carlos receives a credit denial notice that says he may request the specific reasons for denial. What should he do if he wants those reasons?