The Federal Consumer Credit Protection Act

The federal Consumer Credit Protection Act:

A) regulates the collection, dissemination, and use of consumer credit information.
B) gives the consumer a "cooling-off" period of five days and the right to cancel contracts for goods/services made in the consumer's home and to receive a full refund.
C) allows consumers to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies.
D) gives a consumer the right to cancel a credit transaction within three days when the contract requires that the consumer pledge his/her home as a security deposit.