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The staff of the Federal Trade Commission has provided its 2018 Annual Financial Acts Enforcement Report to the Consumer Financial Protection Bureau on its enforcement and related activities regarding Regulation Z (Truth in Lending Act), Regulation M (Consumer Leasing Act), and Regulation E (Electronic Fund Transfer Act).

The report on TILA, CLA, and EFTA highlights, among other things, the FTC’s enforcement actions related to automobile purchases and financing, payday lending, and consumer electronics financing; leasing; and negative options and other practices involving electronic fund transfers. It also addresses the FTC’s research and policy efforts related to truth in lending, leasing, and electronic fund transfer issues, including a qualitative study of consumers’ experiences in buying and financing automobiles at dealerships. The report also highlights the agency’s Military Task Force, which comprises a cross-section of FTC representatives and focuses on various initiatives to assist military consumers. The report also outlines the FTC’s consumer and business education efforts on truth in lending, leasing, and electronic fund transfer issues.

A copy of the report also has been provided to the Federal Reserve Board.

The Federal Trade Commission works to promote competition, and protect and educate consumers. You can learn more about consumer topics and file a consumer complaint online or by calling 1-877-FTC-HELP (382-4357). Like the FTC on Facebook, follow us on Twitter, read our blogs, and subscribe to press releases for the latest FTC news and resources.