What Is the FTC?
The Federal Trade Commission (FTC) has a broad consumer protection and antitrust mandate — including active enforcement against debt relief and debt collection scams.
What the FTC Does
Beyond antitrust enforcement, the FTC pursues companies engaged in deceptive or unfair practices, including fraudulent debt relief programs and abusive collection tactics.
How the FTC's Role Differs From the CFPB's
There's real overlap, but generally: the FTC's mandate is broader (covering scams and deceptive practices across nearly all industries), while the CFPB is specifically focused on financial products and services.
How to File an FTC Complaint
1. Go to reportfraud.ftc.gov. 2. Choose the category matching your issue. 3. Provide details of the company and what happened. 4. Submit — the FTC uses complaint data to identify patterns and pursue enforcement action, though it typically doesn't resolve individual disputes directly.