Federal oversight, deposit insurance, and credit reporting rules exist to protect consumers. This page explains what they cover — and what they don't.
Rules that prohibit discrimination in credit decisions based on protected characteristics.
Standards for how mortgage, student loan, and credit card servicers must handle accounts.
A public system for filing and tracking complaints against financial institutions.
Mandated clarity on loan terms, fees, and annual percentage rates before you sign.
Consumers are entitled to a free credit report from each major bureau every year.
Inaccurate items can be formally disputed with the bureau and the reporting institution.
Consumers can freeze and unfreeze credit reports free of charge to prevent new account fraud.
Coverage details and dispute procedures vary by institution and account type. Confirm specifics directly with your bank, card issuer, or the relevant federal agency.
Contact the Advisory Desk