The Federal Trade Commission is responsible for enforcement of many of the nation’s other consumer credit statutes, including:

• the Truth in Lending Act, which requires creditors to disclose in writing certain cost information, such as the annual percentage rate (APR), before consumers enter into credit transactions.
• the Consumer Leasing Act, which requires leaseholders to give consumers information on lease costs and terms.

The Fair Debt Collection Practices Act, which prohibits debt collectors from engaging in unfair, deceptive or abusive practices, including over-charging, harassment and disclosing consumers’ debt to third parties.

The National Foundation for Credit Counseling (NFCC) is a membership organization of counseling services. Each member of the NFCC is accredited by the Council on Accreditation. Consumer Credit Counseling Services, a widely known credit-counseling service, is a member of the NFCC. You can find a complete list of NFCC members on its Web site.