The Federal Trade Commission (FTC) or the Consumer Financial Protection Bureau (CPFB). The law was also drafted to limit how credit card companies can overwhelm their customers. Among the key elements is the prohibition of arbitrary interest rate increases, including retroactive interest rate increases. The law states that banks cannot increase the interest rate on your outstanding amount unless you have not made payments for 60 days or more. In the case of large projects, borrowers often begin to load certain elements of the project before the likely date of approval of a project by the Bank and take important steps for the implementation of the project, but which are not “pre-collections” in the strict sense of the term. These measures generally concern the prequalification of undertakings, calls for tenders, the opening and examination of tenders. . . .