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The Equal Credit Opportunity Act:-requires lenders to state the true costs of a credit transaction; established a National Commission on Consumer Finance.-makes it a federal crime to defraud consumers through use of the mail.-regulates the reporting and use of credit information; limits consumer liability for stolen credit cards to $50.-prohibits discrimination in credit transactions because of gender, marital status, race, national origin, religion, age, or receipt of public assistance.empowers the FTC to determine rules concerning consumer warranties and ---provides for consumer access to means of redress, such as the "class action" suit.

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