by Jason M. Gordon | Feb 23, 2025 | Consumer Protection
What major federal laws protect consumers? Consumer protection laws exist at both the federal, state, and local levels. Also, there are numerous private organizations that seek to promote fairness in consumer and commercial transactions. The following are the major...
by Jason M. Gordon | Feb 23, 2025 | Consumer Protection
REGULATORY AGENCIES Enforce Consumer LawIndividuals affected by a merchant’s conduct may bring a civil action against the merchant. Further, numerous regulations exist that allow injured consumers to report violations of consumer protection laws. In an effort to...
by Jason M. Gordon | Feb 23, 2025 | Consumer Protection
How is the Fair Credit Reporting Act enforced?The FTC and CFBP enforce the provisions of the FCRA. Further, individuals may bring a cause of action against creditor reporting agencies or credit providers. In a civil action, a creditor may recover actual damages,...
by Jason M. Gordon | Feb 23, 2025 | Consumer Protection
What is the Right to Financial Privacy Act of 1978 (RFPA)? The RFPA places limitations on the ability of the Federal Government to seek financial records about an individual from banks or other financial institutions. The RFPA applies only to the Federal Government....
by Jason M. Gordon | Feb 23, 2025 | Consumer Protection
What is the Childrens Online Privacy Protection Act of 1986 (COPPA)? COPPA was passed to protect against the online collection of personal information of children under the age of 13 years. Enforcement of COPPA is charged to the FTC, which issues regulations for its...
by Jason M. Gordon | Feb 23, 2025 | Consumer Protection
What role do states play in consumer protection? States pass and enforce any number of consumer protection laws. These laws sometimes offer protections in addition to those offered by federal law. State laws protecting consumers are generally known as Unfair and...
