Consumer Rights Law is a legal area that covers a large body of laws passed by the government to protect consumers by regulating many of the following business transactions and practices: advertising, sales and business practices; product branding; mail fraud; sound banking and truth in lending; quality produce and meats; housing material and other product standards; and all manner of other types of consumer transactions. Some states also regulate door-to-door sales, abusive collection practices and referral and promotional sales.

The Federal Trade Commission (FTC) was originally established to prevent unfair methods of competition in commerce, but after 1938 its scope grew to include consumer protection law oversight as well. Most states have established some type of consumer protection agency. These laws have been created on both the state and federal level.

There are various Federal Acts that address different aspects of consumer protection.

The Consumer Credit Protection Act (CCPA), also referred to as the federal Truth in Lending Act, regulates the credit industry with respect to consumer rights, which includes credit card companies and credit reporting agencies, as well as loan sharks and wage garnishment.

The Fair Credit Reporting Act (FCRA) regulates credit reporting agencies and those who use them.

The Fair Debt Collection Practices Act was added to the CCPA in 1978 to abolish abusive collection practices and give consumers a means to dispute inaccurate debt information.

The Fair Credit Billing Act was added to the CCPA in 1975 to deal with billing practices in credit accounts.

The Magnuson-Moss Act of 1973 deals with standards for product warranties, both implied and express. And to address the growing crime of identity theft, Congress enacted the Identity Theft and Assumption Deterrence Act, which was signed into law in 1998.

The practice of consumer protection law includes pursuing lawsuits for consumers who have been the victims of unlawful business and/or credit practices; identity theft lawsuits; and defending debt collection agencies and other companies when accused of these violations.

Related Posts
How to find a good lawyer
Lawyers are everywhere, each has her or his own expertise or specialised area in the fields of law that vary from civil, criminal or appellate litigation. Finding however a good ...
READ MORE
Affordable dui lawyer
If you have recently been caught due to DUI there is too much on your plate right now to deal with. First and foremost, it is not a good thing ...
READ MORE
fight speeding ticket
Each one of you reading this is well aware of the speeding ticket. And it is a probability that you too might have got one of those sometime or you ...
READ MORE
What is Plaintiff lawyer?
If you are dealing with some sort of legal turbulence in the form of physical harm or financial trouble with corporation, hospitals, business organization, insurance companies, then, a plaintiff lawyer ...
READ MORE
How copyright work
The term copyright is not a novel term. However still here are many who have no idea about how copyright work? If you are one of those who are in ...
READ MORE
hire a lawyer
Life is complicated as they say. And there are times that we will be in a situation where our position or transaction involves legal issues. When confronted with this scenario, ...
READ MORE
Miranda Rights Legal Services
Miranda warning, also referred to as Miranda rights, is a caution given by the police in the U.S. Declares to lawful thinks in cops lawful care (or in a lawful ...
READ MORE
Decide when you should file a lawsuit?
Before deciding to file a lawsuit, here are important things you should consider. First, determine if you have a good case. Reflect if you can accept compromise settlement, or if ...
READ MORE
Different Investment Property Purchasing Options
There are various ways for buying a real estate investment property. You can buy it under your name. If you want anonymity and protection from liability, you can buy under ...
READ MORE
How to file for Bankruptcy ?
If you are one of such victim facing huge debt, and searching information desperately for the processes of "How to file for bankruptcy ? ", you are about to find ...
READ MORE
How to find a good lawyer
Affordable dui lawyer
fight speeding ticket
What is Plaintiff lawyer?
How copyright work
Do I need a lawyer or not?
Miranda Rights
Decide when you should file a lawsuit?
Different Investment Property Purchasing Options
How to file for Bankruptcy ?