1. CCPA
   1. Consumer
      1. Credit
         1. Protection
            1. Act
   2. AKA
      1. Truth
         1. Lending
            1. Law
   3. facts
      1. costs
         1. terms
            1. agreement
   4. protects
      1. Credit
         1. Card
            1. lost
            2. stolen
2. ECOA
   1. Equal
      1. Credit
         1. Opportunity
            1. Act
   2. prejudge
      1. gender
      2. age
      3. ethnicity
3. FCRA
   1. Fair
      1. Credit
         1. Reporting
            1. Act
   2. Right
      1. Know
      2. Notified
      3. Privacy
4. FCBA
   1. Fair
      1. Credit
         1. Billing
            1. Act
   2. Creditors
      1. Forbidden
         1. contact
            1. employer
      2. Correct
         1. mistakes
   3. Tells
      1. Consumers
         1. steps
            1. notify
            2. creditor
            3. stop
            4. payment
5. FDCPA
   1. Fair
      1. Debt
         1. Collection
            1. Practices
            2. Act
   2. No
      1. Tell
         1. debt
      2. Pretend
         1. someone
      3. Post
         1. debt
            1. indiscretely
6. Enforcing
   1. Laws
      1. regulate
   2. Agencies
      1. FTC
         1. Federal
            1. Trade
            2. Commission
      2. State
         1. Banking
            1. Department