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¿Conoce  usted  las leyes federales que nos protegen como consumidores?

En los  Estados Unidos existen varias leyes que nos protegen como consumidores de crédito. Estas leyes son conocidas por “The Federal and States Governments regulating the credit”. La misma está  diseñadas para informar y proteger al consumidor.

Algunas de las leyes que nos protegen como consumidor son las siguientes:

  • La Ley Fair Credit Reporting Act. “FCRA” la cual regula la recopilación, difusión y uso de información al consumidor, incluyendo la información de los reportes de crédito.  Junto con la Fair Debt Collection Practices Act. (FDCPA), forma la base de los derechos de crédito al consumo en los Estados Unidos. Esta ley Fue aprobada originalmente en 1970, y es impuesta por la Comisión Federal de Comercio y los litigantes privados de los Estados Unidos.
  • La ley Fair Debt collection Practice Act. “FDCPA” fue aprobada por el Congreso en respuesta a un comportamiento abusivo de las agencias de cobro, y la preocupación que los abusos fueron provocando un aumento en los registros de quiebras personales. El propósito de la ley es proporcionar directrices para las agencias de cobro que están tratando de cobrar las deudas legítimas, mientras que proporciona protección y recursos para los deudores.
  • La Fair Credit Billing Act (FCBA) es una ley federal  promulgada como una enmienda a la Ley de Veracidad en los Préstamos. Su propósito es proteger a los consumidores de prácticas abusivas de facturación y proporcionar un mecanismo para hacer frente a los errores de facturación en el “open end” las cuentas de crédito, como tarjeta de crédito o cargo a una cuenta de tarjeta.
  • La “Equal Credit Opportunity Act”  en español Igualdad de Oportunidades de Crédito (ECOA) es una ley de los Estados Unidos Promulgada en 1974, la cual declara ilegal que cualquier acreedor  discrimine a cualquier solicitante, con respecto a cualquier situación de una transacción de crédito, sobre la base de raza, color, religión, origen nacional, sexo, estado civil, edad (siempre que el solicitante tenga la capacidad para contratar), que el hecho de que la totalidad o parte de los ingresos del solicitante vengan derivados de un programa de asistencia pública , o al hecho de que el solicitante ha ejercido de buena fe cualquier derecho bajo la Ley de Protección de Crédito al Consumidor. La ley se aplica a toda persona que, en el curso ordinario de los negocios, participa regularmente en una decisión de crédito, incluidos los bancos, minoristas, compañías de tarjetas bancarias, compañías financieras y cooperativas de crédito.

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