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The department operates under the California Business, Consumer Services and Housing Agency. The DFPI protects California consumers and oversees the operations of state-licensed financial institutions, including banks, credit unions, debt collectors, nonbank mortgage lenders, student loan servicers, money transmitters, and others. Additionally ...
The Song-Beverly Credit Card Act of California was passed in 1971 to protect consumer information in credit card transactions. [16] Under the act, companies may not collect personally identifiable information from consumers who purchase goods or services using credit cards.
The Consumer Financial Protection Bureau (CFPB) is an independent agency of the United States government responsible for consumer protection in the financial sector.CFPB's jurisdiction includes banks, credit unions, securities firms, payday lenders, mortgage-servicing operations, foreclosure relief services, debt collectors, for-profit colleges, and other financial companies operating in the ...
Credit card issuers and networks perform two distinct roles, though both can be considered credit card companies. Credit card issuers are responsible for card details, rates, fees and perks.
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The Equal Credit Opportunity Act (ECOA) of 1974, implemented by Regulation B, requires creditors which regularly extend credit to customers—including banks, retailers, finance companies, and bank-card companies—to evaluate candidates on creditworthiness alone, rather than other factors such as race, color, religion, national origin, or sex ...
A credit card postal code, or credit card zip code is the zip code associated with the billing address your credit card company has on file. Essentially, the billing zip code and credit card ...
In this list of financial regulatory and supervisory authorities, central banks are only listed where they act as direct supervisors of individual financial firms, and competition authorities and takeover panels are not listed unless they are set up exclusively for financial services.