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 Chapter 13 legal services
There are a number of bankruptcy codes which are of great aid for the individuals, family, business persons, enterprises and married couples. So there is the Chapter 13 bankruptcy which ...
READ MORE
When you are renting a property, you must have a sense of good stewardship. Tenants have rights as well as responsibilities during a tenancy agreement. These things should be respected ...
READ MORE
How to get affordable legal services?
Life is beautiful until and unless you get into some sort of medical or social or personal or legal problems. When any of such problems come across, the first impact ...
READ MORE
How to get accident injury claim
Accidents happen in life suddenly. They have the capacity to completely destroy your life. First there is the mental trauma it leads to and then there is loads of medical ...
READ MORE
How to get affordable personal injury lawyer
Injuries can happen to anyone, anytime and even when you hate to think about it there is the probability that even right now you might be a bearer of the ...
READ MORE
Affordable DUI attorney
Traffic violations don't seem to be all minor offences since they need major ramifications within the future. Reckless driving causes most of the traffic accidents and to stop that, traffic ...
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
Pay taxes on time
When April 15 is round the corner, it becomes a really stressful time for the tax payers. Paying of tax is imperative for one and all. Hence there are also ...
READ MORE
How to find a good lawyer
Affordable Chapter 13 legal services
Tenant Rights and Responsibilities
How to get affordable legal services?
How to get accident injury claim
How to get affordable personal injury lawyer
Affordable DUI attorney
What is Plaintiff lawyer?
Pay taxes on time
Contact Affordable Lawyer