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Across 4. provides information about the costs of your credit (4 Words) 6. independent federal agency whose main goals are to protect consumers and ensure a strong competitive market (3 Words) 7. federal law that prohibits workplace discrimination (3 Words) 9. someone who regularly collects debts owed to others, usually when they are past due (2 Words) 10. loan made to consolidate several debts into one loan (2 Words) 11. someone who advises you on managing money and debts (2 Words) 12. the state of being declared in law unable to pay outstanding debts

Down 1. act that regulates collection of credit information and access to your credit report (4 Words) 2. federal law that limits behaviors and actions of third party debt collectors attempting to collect debts on behalf of another person or entity (5 Words) 3. federal law designed to protect consumers from unfair credit billing practices (4 Words) 5. regulations governing amount of interest that can be charged on a loan (2 Words) 8. a sum of money that is borrowed and expected to be paid back with interest 10. company that collects info relating to the credit ratings of individuals and makes it available to credit card companies, financial institutions, etc. (2 Words) 13. the ability of a customer to obtain goods or services before payment, based on trust that payment will be made in the future