The Federal Trade Commission is one of the agencies that regulates credit bureaus. For more information visit www.consumer.ftc.gov. You may also contact the Bureau of Consumer Financial Protection at www.consumerfinance.gov. (d) Right to termination of contract (1) In general A consumer shall have the right to terminate a contract for credit and identity theft protection services and credit education services within three business days beginning on the date that the consumer enters into such contract with the authorized credit services provider. (2) Reasonable value provided If a consumer terminates a contract pursuant to paragraph (1), the authorized credit services provider shall be entitled to the reasonable value for services actually rendered prior to termination, not to exceed the total amount paid by the consumer, but an authorized credit services provider is not entitled to retain any fees if no services were rendered. (e) Enforcement by Federal Trade Commission A violation of this section shall be treated as a violation of a rule issued under section 18(a)(1)(B) of the Federal Trade Commission Act ( 15 U.S.C. 57a(a)(1)(B) ) regarding unfair or deceptive acts or practices. The Federal Trade Commission shall enforce this section in the same manner, by the same means, and with the same jurisdiction, powers, and duties as though all applicable terms and provisions of the Federal Trade Commission Act ( 15 U.S.C. 41 et seq.) were incorporated into and made a part of this section. 425. Applicability of Credit Repair Organizations Act to activities of authorized credit services providers other than credit and identity protection services or credit education services (a) Enforcement by Federal Trade Commission The Credit Repair Organizations Act ( 15 U.S.C. 1679 et seq.) shall be enforced solely by the Federal Trade Commission in accordance with subsections (a) and (b) of section 410 of that Act with respect to any authorized credit services provider. (b) Civil liability and administrative enforcement Sections