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Who governs Credit Card companies?

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Different federal agencies regulate different parts of credit card companies and debt collectors' operations.

FTC can enforce FCRA and FDCPA over data furnishers and debt collectors, respectively.

National Banks are under the purview of the comptroller of the currency.

Credit Unions are regulated by NCUA.

Small banks are subject to their state of incorporation's regulatory agency.

The rules to charge off an account come from FDIC.

ACA International is an association of debt collectors which enforces a code of ethics on its members and can give you some leverage if you file a complaint when a member broke a rule.

Each state establishes its own licensing requirements for debt collectors and you can usually find information with your Secretary of State.

There are many more, but these are a good start.

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