Consumer credit laws have been implemented over the years to protect consumers against creditor abuses. Match the following consumer credit issues with the appropriate consumer credit law:

a$.$ Controls debt collection procedures and practice.

b$.$ Prohibits credit discrimination because of race, age, or national origin.

c$.$ Establishes the APR and requires the disclosure of all credit$-$related costs.

d$.$ Requires credit contracts to be written in plain English.

e$.$ Requires a "rejection letter" or written explanation of any adverse action taken.

f$.$ Limits marketing of credit cards to the mailing of application packets and prohibits the mailing of unrequested credit cards.

g$.$ Allows payment for defective goods purchased with a credit card to be legally withheld.

h$.$ Limits fraudulent card use to $$50$ payment by the cardholder.

i$.$ Ensures that divorced individuals can receive credit.

j$.$ Provides annual access to one free credit report from each of the major credit bureaus.

k$.$ Reduces credit card late fees to $$25.$

a$.$ Which of the Consumer Credit Laws governs the following consumer credit issue: Controls debt collection procedures and practice? $($Select the best answer below.$)$

A$.$ Fair and Accurate Credit Transactions Act $($FACT Act$)$ of $2003.$

B$.$ Fair Debt Collection Practices Act of $1978.$

C$.$ Truth in Lending Act of $1968.$

D$.$ Truth in Lending Act $($amended in $1982).$

E$.$ Equal Credit Opportunity Act of $1975.$