The CROA is part of the consumer credit protection act, and it governs the activities of credit fixing services. It prohibits the services from demanding advanced payments. Its introduction also brought much-needed integrity to the industry by prohibiting questionable practices such as false advertising.
The FTC has aggressively gone after credit repair companies that breach the provisions of the credit repair organizations act. There is an ongoing case with Progrexion Holding, Inc, accused of violating the telemarketing sales rules.