OTS (Office of Thrift Supervision)

The Office of Thrift Supervision, between 1989 and 2011, was a federal agency that regulated all savings banks (chartered and state-chartered), savings associations, and loans associations.

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    The Federal Trade Commission is an independent agency that advocates for consumer protection and the prevention anti-competitive business practices.

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  • TILA (Truth in Lending Act)

    The Truth in Lending Act requires the full disclosure of finance charges and terms with regard to costs associated with borrowing.

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