Consumer Credit Protection Act (CCPA) Definition

The Consumer Credit Protection Act (CCPA) is a federal statute that protects employees from discharge because of wage garnishment for one debt. It also sets a garnishment limit per payday.

Consumer Credit Protection Act (CCPA) Extended Definition
CCPA, or Consumer Credit Protection Act, is administered by the Wage and Hour Division (WHD) of the U.S. Department of Labor (DOL).

It not only prohibits employers from discharging employees because of one wage garnishment, but it also sets a limit on the amount of money that can be garnished from an employee’s earnings per payday.

The CCPA has additional protections for consumer rights. For example, the CCPA protects consumer credit information, requires lenders to disclose certain information to borrowers, and more.

Last Updated By

Rachel Blakely-Gray | Feb 16, 2023

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