Who enforces the FCRA?

The Federal Trade Commission and Consumer Financial Protection Bureau: Guardians of Your FCRA Rights

In the intricate world of consumer financial rights and credit reporting, it’s crucial to understand who watches over your interests and ensures that the rules are followed. At Gale Angelo Johnson P.C., we recognize the significance of the Fair Credit Reporting Act (FCRA) in protecting your rights and privacy. In this comprehensive guide, we delve into the pivotal question: Who is in charge of regulating and enforcing the FCRA? Rest assured, the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) are the pillars of enforcement when it comes to safeguarding your credit rights.

Section 1: Federal Trade Commission (FTC) – Vigilant Guardians of Your FCRA Rights

The FTC, established in 1914, plays a pivotal role in ensuring that the FCRA is upheld. With a primary focus on consumer protection, the FTC oversees various aspects of the FCRA:

1.1. Consumer Reporting Agencies Oversight: The FTC monitors consumer reporting agencies (CRAs) to ensure they are accurately and fairly handling your credit information.

1.2. Dispute Resolution: As a consumer, you have the right to dispute inaccuracies in your credit report. The FTC ensures that your disputes are thoroughly and fairly investigated by CRAs.

1.3. Unauthorized Credit Report Access: Unauthorized access to your credit report, such as by debt collectors, is a violation of your privacy. The FTC steps in to protect your rights in such cases.

Section 2: Consumer Financial Protection Bureau (CFPB) – Guardians of Consumer Financial Rights

The CFPB, established in 2010, is another cornerstone of FCRA enforcement. It operates with a primary objective: safeguarding the interests of consumers in the financial marketplace.

2.1. Enforcement of FCRA Rules: The CFPB works to ensure that financial institutions and CRAs comply with the FCRA. They take action against those who violate these rules, holding them accountable.

2.2. Consumer Complaint Resolution: In cases of disputes or concerns related to the FCRA, the CFPB provides a platform for consumers to file complaints. They investigate these complaints, ensuring that your voice is heard.

2.3. Educational Resources: The CFPB provides valuable resources and information to help consumers understand their rights under the FCRA. This empowers individuals to take control of their credit information.


In the realm of the Fair Credit Reporting Act, your rights and privacy are diligently guarded by the Federal Trade Commission and the Consumer Financial Protection Bureau. These agencies serve as the vigilant overseers, ensuring that your credit information is handled accurately and fairly, and that your rights under the FCRA are protected.

At Gale Angelo Johnson P.C., we stand alongside these agencies in our commitment to upholding your consumer rights. If you have concerns or require assistance with consumer litigation matters, our experienced team is here to provide guidance.

Give us a call at 916-290-7778 for help with your consumer litigation concerns or fill out the inquiry form below to schedule a thorough case evaluation with our team. 

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