One of the major aspects of consumer protection law is credit -- The Truth in Lending Act, Fair Credit Billing Act, Equal Opportunity Act, and others are all federal legislation protecting consumers from wrongful credit practices. In an economy where credit is the major form of payment, a knowledge of these laws can prove quite advantageous to consumers. One especially important aspect of consumer law is in regards to a person's credit record. Under federal law, consumers have the right to maintain a fair credit report, one that is representative of their true credit, is held private, and is readily accessible to the computer. As a consumer, this provides you with a free credit report annually, and also allows you to legally dispute records that may be inaccurate. Other consumer credit laws provide additional rights, such as rights to credit without discrimination, fair collection of credit, and disclosure of hidden fees.