Statute letters

17 letter types under RESPA, FCBA, EFTA, TCPA, ECOA, UDAAP, TISA, the Payday Rule, the SAFE Act, HMDA, E-SIGN and the FCRA provisions that reach the 61 specialty consumer reporting companies on the CFPB list. Pick the letter, fill in what it needs, download the PDF.

The letter

Consumer

This letter goes to a company, not a reporting agency — no SSN or date of birth is asked for or printed.

Mortgage servicer

Details

Misapplied payments, unexplained fees, escrow errors — one paragraph.
Payment history, escrow analysis, fee itemisation…

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Credit Smack is software and education for credit-services business owners and is not a credit repair organization; it does not provide services to or contract with consumers, and guarantees no outcome. Customers are responsible for their own legal compliance.

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