tch the consumer credit laws with the correct description Protects you from discrimination based on sex race marital status religion or age when getting credit Requires banks and lending agencies to disclose the costs and terms of credit cards and loans Sets procedure and protocols for collecting debts Enables consumers to receive a copy of your credit report each year II III IV I OI IV III II II IV III I I 11 III IV Fair Credit Reporting Act Equal Credit Opportunity Act Fair Debt Collection Practices Act Truth in Lending Act