Which act regulates wage garnishments and protects employees from excessive deductions?

The Consumer Credit Protection Act is the correct response because it specifically addresses wage garnishments and includes provisions to safeguard employees from unfair or excessive deductions from their paychecks. This federal law establishes limits on the amount that can be garnished from an employee's earnings and sets forth guidelines for how garnishments should be implemented.

It ensures that, while creditors may collect debts through wage garnishments, employees are still entitled to a minimum amount of their wages, which protects their ability to meet basic living expenses. This act is especially important as it balances the interests of creditors with the rights of employees, promoting fair treatment in wage garnishment situations.

The Fair Labor Standards Act primarily governs minimum wage, overtime pay, recordkeeping, and youth employment, but it does not specifically focus on wage garnishments. Similarly, while the Wage Garnishment Protection Act sounds relevant, it is not an actual piece of legislation recognized in the context of employee protections. The Employee Rights Act focuses on labor rights but does not specifically address wage garnishments. Therefore, the Consumer Credit Protection Act remains the key legislation that directly regulates wage garnishments and protects employees.