Ademi & O'Reilly, LLPWisconsin's Leading Class Action Law Firm

This page contains links to general information regarding consumer law in the State of Wisconsin and the United States.

• Agencies
  • Federal Reserve Board
    Offers publications on choosing a credit card, credit protection laws, home equity and more.
  • Federal Trade Commission
    Credit topics include consumer information about credit cards & consumer loans, credit reports, credit debt, mortgages, and privacy. Information for businesses about business credit and offering consumer credit; includes reports aimed toward businesses.
  • WI Dept. of Financial Institutions
    • Credit Topics of Interest include: choosing a credit card & applying for credit, secured credit cards, skip payment offers, credit denial, credit reports, disputing a debt, collection practices, divorce & credit, credit counseling services, credit repair scams, payday loans, rent-to-own, etc.
• Consumer Credit (American Bar Association)
  Includes: choosing a credit card; how to apply for credit; consumer protection; credit insurance; credit records; how to correct credit mistakes; debt collection & the law; credit counseling; where to resolve disputes & get more information.
• Consumer Credit:  An Overview (Cornell Legal Information Institute)
  Commentary with links to federal statutes, regulations & opinions. Links to other sources of information.
• Credit Reports
  • AnnualCreditReport.com
    Request a free annual credit report online, by phone or by mail.  Persons are entitled to one free credit file disclosure from each of the credit reporting companies (Equifax, Experian and TransUnion) every 12 months.
  • How Private is My Credit Report? (Privacy Rights Clearinghouse)
  • Your Access to Free Credit Reports (Federal Trade Commission)
  • Your Credit Report (Univ. of Wisconsin Extension)
• Debt Collection
• Debt Questions and Answers (State Bar of WI)
  Includes contract cancellation, stop payment on checks, collection agency & methods, collection from ex-spouse, credit cards & reports.
• Debtor & Creditor: An Overview (Cornell Legal Information Institute)
  Commentary with links to federal statutes, regulations & opinions. Links to state statutes.
• Forms
  
  • Credit Complaint or Inquiry (WI Dept. of Financial Institutions)
    Use to file a complaint or issue an inquiry. For questions or complaints from Wisconsin residents OR for complaints against companies located in Wisconsin.
  • Online Credit Complaint or Inquiry (WI Dept. of Financial Institutions)
    For Wisconsin residents only
• Privacy
  • Privacy Choices for Your Personal Financial Information (Federal Reserve Board)
• When There's an Error on Your Credit Card Bill (Univ. of Wisconsin Extension)

    The Law (Additional statutes, regulations & opinions may apply to your specific situation.)

• WI Statutes: ch. 128 "Creditors' Actions"
• WI Statutes: ch. 421-429 "Wisconsin Consumer Act"
• WI Admin. Code: DFI-Bkg 74 "Collection Agencies"
• WI Admin. Code: DFI-Bkg 76 "Sales Finance Companies"
• WI Admin. Code: DFI-Bkg 80 "Wisconsin Consumer Act"
• U.S. Code: 15 USC 1601-1693 "Consumer Credit Protection"
• Federal Laws
  • Rules & Acts (Federal Trade Commission)
    Full text of federal laws such as the Equal Credit Opportunity Act, Fair Credit Billing Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, the Truth In Lending Act, etc.

CONSUMER RESOURCES

• Better Business Bureau
  
• Consumer Information Center
  
• United Sates Government
  
• Findlaw Guide
  
• Law Journals

• COMMENTARY

  • How To Resolve Your Consumer Complaint: Self-Help or Class Action?
    Direct Deposit A Consumer's Guide

 

U.S. LAW, REGULATIONS & AGENCIES 

• LAW

  • 15 U.S. Code, Chapter 41 - The Consumer Credit Protection Act
    15 U.S.C. § 1681 - 1681t
    15 U.S.C. § 1691 - 1691e
    15 U.S.C. § 1692 - 1692o
    15 U.S.C. § 1601

ASSOCIATIONS INVOLVED WITH CONSUMER LAW

• National Association of Consumer Advocates
  
• Consumer Information Center Pueblo CO
• Consumer Product Safety Commission
• National Fraud Information Center
• National Institute for Consumer Education

OTHER RESOURCES

The Consumer Alerts Page
Consumer Information Center
Consumer World
Georgetown University Legal Explorer Consumer Law
Product Safety

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