{"product_id":"2940016244860","title":"Consumer Handbook To Credit Protection Laws","description":"The Consumer Credit Protection Act of 1968--which launched Truth in Lending--was a landmark piece of legislation. For the first time, creditors had to state the cost of borrowing in a common language so that you--the customer--could figure out\u003cbr\u003eexactly what the charges would be, compare costs, and shop around for the credit deal best for you.\u003cbr\u003e\u003cbr\u003eSince 1968, credit protections have multiplied rapidly. The concepts of \"fair\" and \"equal\" credit have been written into laws that outlaw unfair discrimination in credit transactions; require that consumers be told the reason when credit is denied; let borrowers find out about their credit records; and set up a way to settle billing disputes.\u003cbr\u003e\u003cbr\u003eEach law was meant to reduce the problems and confusion surrounding consumer credit which, as it became more widely used in our economy, also grew more complex. Together, these laws set a standard for how individuals are to be treated in their financial dealings.\u003cbr\u003e\u003cbr\u003eThe laws say, for instance:\u003cbr\u003e-- that you cannot be turned down for a credit card just because you're a single woman;\u003cbr\u003e-- that you can limit your risk if a credit card is lost or stolen;\u003cbr\u003e-- that you can straighten out errors in your monthly bill without damage to your credit rating; and\u003cbr\u003e-- that you won't find credit shut off just because you've reached the age of 65.\u003cbr\u003e\u003cbr\u003eBut, let the buyer be aware! It is important to know your fights and how to use them. This handbook explains how the consumer credit laws can help you shop for credit, apply for it, keep up your credit standing, and--if need be--complain\u003cbr\u003eabout an unfair deal. It explains what you should look for when using credit and what creditors look for before extending it. It also points out the laws' solutions to discriminatory practices that have made it difficult for women and minorities to get credit in the past.\u003cbr\u003e\u003cbr\u003eINTRODUCTION\u003cbr\u003eTHE COST OF CREDIT\u003cbr\u003eShopping Is the First Step\u003cbr\u003eWhat Laws Apply?\u003cbr\u003eThe Finance Charge and Annual Percentage Rate (APR)\u003cbr\u003eA Comparison\u003cbr\u003eCost of Open-end Credit\u003cbr\u003eLeasing Costs and Terms\u003cbr\u003eOpen-end Leases and Balloon Payments\u003cbr\u003eCosts of Settlement on a House\u003cbr\u003e\u003cbr\u003eAPPLYING FOR CREDIT\u003cbr\u003eDiscrimination\u003cbr\u003eWhat Law Applies?\u003cbr\u003eWhat Creditors Look For\u003cbr\u003eInformation the Creditor Can't Use\u003cbr\u003eSpecial Rules\u003cbr\u003eDiscrimination Against Women\u003cbr\u003eIf You're Turned Down\u003cbr\u003eCREDIT HISTORIES AND RECORDS\u003cbr\u003eBuilding Up a Good Record\u003cbr\u003eWhat Laws Apply?\u003cbr\u003eCredit Histories for Women\u003cbr\u003eKeeping Up Credit Records\u003cbr\u003e\u003cbr\u003eOTHER ASPECTS OF USING CREDIT\u003cbr\u003eWhat Laws Apply?\u003cbr\u003eBilling Errors\u003cbr\u003eDefective Goods or Services\u003cbr\u003ePrompt Credit for Payments and Refunds for Credit Balances\u003cbr\u003eCancelling a Mortgage\u003cbr\u003eLost or Stolen Credit Cards\u003cbr\u003eUnsolicited Cards\u003cbr\u003e\u003cbr\u003eELECTRONIC FUND TRANSFERS\u003cbr\u003eInstant Money\u003cbr\u003eEFT in Operation\u003cbr\u003eWhat Law Applies?\u003cbr\u003eWhat Record Will I Have of My Transactions?\u003cbr\u003eHow Easily Will I Be Able to Correct Errors?\u003cbr\u003eWhat About Loss or Theft?\u003cbr\u003eWhat About Solicitations?\u003cbr\u003eDo I Have to Use EFT?\u003cbr\u003eSpecial Questions About Preauthorized Plans\u003cbr\u003e\u003cbr\u003eCOMPLAINING ABOUT CREDIT\u003cbr\u003eComplaining to Federal Enforcement Agencies\u003cbr\u003ePenalties Under the Laws\u003cbr\u003eGLOSSARY\u003cbr\u003eSUBJECT INDEX\u003cbr\u003eDIRECTORY OF FEDERAL AGENCIES\u003cbr\u003eFEDERAL RESERVE BANKS\u003cbr\u003eOTHER CONSUMER PAMPHLETS AVAILABLE\u003cbr\u003e\u003cbr\u003eThis is a digital ebook. Once you have purchased the ebook you may read this on any FREE NOOK READING APP listed below. \u003cbr\u003e\u003cbr\u003eDownload: http:\/\/www.barnesandnoble.com\/u\/nook-mobile-apps\/379003593\/\u003cbr\u003e\u003cbr\u003e*Tablets                              \u003cbr\u003e-iPad                                       \u003cbr\u003e-Android Tablet                    \u003cbr\u003e-NOOK kids iPad                                                                   \u003cbr\u003e-Windows 8 Tablet\u003cbr\u003e\u003cbr\u003e*Smartphones \u003cbr\u003e-iPhone (\u0026amp;iPod Touch)    \u003cbr\u003e-Android       \u003cbr\u003e\u003cbr\u003e*Computers           \u003cbr\u003e-Windows PC    \u003cbr\u003e-Mac        \u003cbr\u003e-Windows 8 PC            \u003cbr\u003e\u003cbr\u003e*NOOK for Web\u003cbr\u003e-Read in any brower","brand":"Tri-Fold Media Group","offers":[{"title":"Default Title","offer_id":47121350328560,"sku":"2940016244860","price":2.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0737\/7593\/9824\/files\/2940016244860_p0.jpg?v=1763631477","url":"https:\/\/shop-qa.barnesandnoble.com\/products\/2940016244860","provider":"Barnes \u0026 Noble (DEV)","version":"1.0","type":"link"}