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
Affordable legal aid for criminal record
The life of the criminal after experiencing imprisonment becomes really tedious. There is the criminal record which continues to hover on their life. So what should be done in such ...
READ MORE
A dongle is a piece of computer hardware that must be connected to a computer's General Serial Shuttle (Usb 2. 0) slot before some forms of software packages will perform. ...
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 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
Law and order
Law and order are the two most important aspects for a nation to grow.There are different types of laws.Federal laws apply to everyone whereas State and Local laws apply to people ...
READ MORE
Divorce Reasons
People say that love is blind, so it is not a surprise that people do crazy things when in love. However when you have a look at the number of ...
READ MORE
Drunk Driving Defenses
The penalties for Driving Under the Influence (DUI) or Driving While Intoxicated (DWI) can get very serious. However if you have a reasonable defense, you may be able to reduce ...
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
Corporations and S Corporations vs. LLCs
How do you want your business to be structured? Do you want it to be a Limited Liability Corporation (LLC) or an S Corp (based on the subsection S of ...
READ MORE
Why to discuss your legal issue with multiple lawyers ?
Cases vary in issues, facts and remedies. Some of them are intertwined with other cases or an offshoot of one issue. Others file cases which are simply asking for clarification ...
READ MORE
Affordable legal aid for criminal record
Dongle Emulator Avid Media Composer 5 for any
What is Plaintiff lawyer?
How to get affordable personal injury lawyer
Law and order
Divorce Reasons
Drunk Driving Defenses
Different Investment Property Purchasing Options
Corporations and S Corporations vs. LLCs
Why to discuss your legal issue with multiple