Lending Ethics & Consumer Protections

At Consumer Credit Services, LLC (NMLS #1070755), we believe every consumer deserves fair, transparent, and ethical mortgage lending. To help protect consumers, we provide direct links to federal and state regulators, so you always know where to go with questions or concerns.

Federal Regulators

• Consumer Financial Protection Bureau (CFPB) – Submit a complaint or learn more

• Federal Trade Commission (FTC) – FTC How to file a complaint for unethical practices. 

• U.S. Department of Housing and Urban Development (HUD) – FHA programs and housing resources

• Veterans Administration (VA) – VA Home Loan program oversight

• Federal Housing Finance Agency (FHFA) – Supervises Fannie Mae, Freddie Mac, and Federal Home Loan Banks

State Oversight

As a Florida-licensed mortgage company, Consumer Credit Services, LLC is regulated by the:

• Florida Office of Financial Regulation (OFR) – Check a license or file a complaint

Our Commitment

• Transparent loan terms – clear disclosure of rates, APR, fees, and cash-to-close.

• No misleading advertising or hidden charges.

• Compliance with all state and federal regulations.

• Respect for consumer rights and protection from predatory lending practices.