Which law restricts wage garnishment amounts for employees?

Title III of the Consumer Credit Protection Act (CCPA) specifically addresses wage garnishment, establishing the limits on the amount that can be garnished from an employee's disposable earnings. The CCPA aims to protect employees from excessive deductions that could lead to financial hardship.

Under this law, the maximum amount that can be garnished is typically set at 25% of an employee's disposable earnings or the amount by which their weekly income exceeds 30 times the federal minimum wage, whichever is less. This ensures that employees retain enough income to cover their basic living expenses, promoting financial stability and fairness in the workplace.

This legislation is essential for maintaining a balance between creditors' rights to collect debts and protecting employees’ rights for fair earnings. Other laws mentioned in the choices, such as the Civil Rights Act or the Occupational Safety and Health Act, focus on different areas of employment rights and protections, and do not specifically govern wage garnishment.