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.

l.Limits the issuance of credit cards to consumers under age 21.

m. Requires clear and simple disclosures related to international money transfers.