Federal Trade Commission

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The Federal Trade Commission (FTC) has authority over much of consumers' daily lives, including the advertising consumers are exposed to and the rules and regulations governing credit cards. This research provides an overview of the FTC, including a short history of the Commission, its responsibilities and functions, the industries it regulates, and the Commission's role and effect on the credit card industry.

The Federal Trade Commission was founded in 1914 to maintain competitive enterprise in the American economic system. The FTC is charged with preventing the free enterprise system from being fettered by monopoly or restraints on trade, or corrupted by unfair or deceptive trade practices. Specifically, the Federal Trade commission Act prohibits the use in commerce of "unfair methods of competition" and "unfair or deceptive acts or ... "

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