The Fair Credit Reporting Act (FCRA)
The law governs consumer reports and consumer reporting agencies. It protects the consumers' right to privacy and fairness when preparing consumer reports on individuals.

Federal Trade Commission (FTC)
The agency is an independent agency of the US that enforces federal consumer protection and laws that prevent deception and unfair marketplace practices. It also enforces federal antitrust laws that prohibit anticompetitive mergers and other business practices that restrict competition and harm consumers. Whether combating collection agencies, fraud, or price-fixing schemes, the FTC's primary mission is to protect consumers.