Legal Environment of Business

Dr. John Dehrer-Wendt

Consumer Law Outline and Links

 

A. Advertising

1. The Federal Trade Commission Act

a. Unfair and Deceptive Advertising (In Re Pfizer, Inc.)

b. Bait-and-Switch Advertising

c. FTC Actions against Deceptive Advertising  

   General Advertising Policies

   (Complaint Form)

d. Advertising and Marketing on the Internet: FTC's Rules of the Road

B. Labeling and Packaging Laws (the Department of Health and Human Services, as well as the Federal Trade Commission.)

1. The Fur Products Labeling Act of 1951

2. The Wool Products Labeling Act of 1939

3. The Flammable Fabrics Act of 1953

4. The Fair Packaging and Labeling Act of 1966

5.  Labeling and Advertising Cotton Products

6. The Smokeless Tobacco Health Education Act of 1986

 C. Sales (FTC, the Uniform Commercial Code, the Uniform Consumer Credit Code)

1. Door-to-Door Sales

2. Telephone and Mail-Order Sales (Unordered Merchandise)

a.  Postal Reorganization Act of 1970

b.  A Business Guide to the Federal Trade Commission's Mail or Telephone Order Merchandise Rule

3. FTC Regulation of Specific Industries.

a. Used-car dealers to affix a "Buyers Guide" label

b. Funeral homes (Funerals: A Consumer Guide

4. Real Estate Sales (the Truth-in-Lending Act)

a. Interstate Land Sales Full Disclosure Act

b. Real Estate Settlement Procedures Act  or this HUD site on Settlement Costs

 D. Credit Protection

1. The Truth-In-Lending Act (TILA), as Title I of the Consumer Credit Protection Act (CCPA) Administered by the Federal Reserve Board

a. Disclosure requirements.

b. Violations of the TILA. (Elsner v. Albrecht)

c. Equal Credit Opportunity Act of 1974 (the actual statute is here)

d. Fair Credit Billing Act of 1974 (the actual statute is here)

e. Electronic Fund Transfer Act (the actual statute is here)

e. Lost and unauthorized credit cards --  To report lost credit cards

f.  Building a Better Credit Record

2. The Fair Credit Reporting Act of 1970 or  this annotated site

Credit Reporting Agencies

Experian

Equifax

Trans Union

Credit Reports: What Information Providers Need to Know

 

3. The Fair Debt Collection Practices Act of 1977  or this annotated site

Comments by Mary L. Azcuenaga, Commissioner FTC before the California Association of Collectors May 17, 1994

E. Consumer Health and Safety

1. The Federal Food, Drug, and Cosmetic Act 1906 and 1938 or at this site

2. The Consumer Product Safety Act of 1972

3. The Consumer Product Safety Commission (CPSC) or at this site

F. State Consumer Protection Laws

G. The Uniform Commercial Code. ( UCC 2-302 definition of "Unconscionability")

H. The Uniform Consumer Credit Code 1968

I. Other Federal and State Consumer Protection Laws

  1. Lemon Laws   
  2. Warranties
  3. A Businessperson's Guide to Federal Warranty Law
  4. FTC's Appliance Labeling Rule

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Index to Class Notes

MBLW 600

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