What levels of government offer consumer credit protection?

Consumer credit protection is provided at multiple levels of government. At the federal level in the United States, agencies like the Consumer Financial Protection Bureau (CFPB) enforce laws such as the Truth in Lending Act and the Fair Credit Reporting Act. State governments also implement consumer protection laws that can vary by state, addressing issues like interest rates and debt collection practices. Additionally, some local governments may have ordinances that further enhance consumer protection in credit transactions.