Consumer Protection Laws: This collectively refers to a group of laws enacted for the purpose of protecting consumers with respect to various business activities and practices. Cards are regulated by Consumer Protection Laws enacted by both the federal government and the states. The primary regulated subjects are Back End Fees, Front End Fees, Expiration Dates, Cash Back, Terms and Conditions, and Consumer Disclosures. Examples of Consumer Protection Laws at the federal level are the Card Act and the Card Act Regulations. Consumer Protection Laws have been administered by many agencies including the FTC, OCC, Federal Reserve, and CFPB at the federal level. They are often enforced by state Attorney Generals at the state level.