In addition to federal agencies, which party may enforce FACT Act compliance?

• A. State attorneys general
• B. City councils
• C. International bodies
• D. Self-regulatory organizations

Answer: (A)

State attorneys general. While federal agencies like the FTC or CFPB enforce the FACT Act, state attorneys general can also enforce federal consumer protection laws under their own state statutes. AGs act as the primary enforcers for consumer protection within each state, pursuing civil actions, seeking injunctions, penalties, and restitution for violations, and often coordinating with federal authorities. The other options don’t have a role in enforcing the FACT Act: city councils don’t administer federal credit reporting laws, international bodies have no jurisdiction here, and self-regulatory organizations regulate their own industries rather than enforcing federal consumer credit laws.