Sunday, January 31, 2010

Law Merit Badge Resources



Consumer Protection laws & organizations:
o   State Attorneys General - enforce state consumer laws and provide free assistance in investigating consumer complaints, issuing alerts, and insuring fair competition.
o   Consumer Product Safety Act - gives CPSC the power to develop safety standards and pursue recalls for products.
o   Federal Trade Commission Act - created the FTC to prevent unfair competition, deceptive acts, regulate trade, etc.
o   Pure Food and Drug Act - led to the creation of the Food and Drug Administration (FDA) to regulate foods, drugs, and more.
o   Communications Act of 1934 - created the Federal Communications Commission (FCC) to regulate all radio and interstate cable, phone, and satellite communications.
o   National Do Not Call Registry - Privacy - allows US consumers to limit telemarketing calls they receive.
o   Fair Credit Reporting Act (FRCA) - regulates the collection, dissemination, and use of consumer credit information.
o   Fair Debt Collection Practices Act (FDCPA) - limits abusive consumer practices, insures fairness, etc.
o   Truth in Lending Act (TILA) - requires clear disclosure of key terms of the lending arrangement and all costs.
o   Real Estate Settlement Procedures Act (RESPA) - prohibits kickbacks and requires lenders to provide a good faith estimate of costs.
o   Health Insurance Portability and Accountability Act (HIPAA) - provides consumer protection for Health Information.
o   Federal Citizen Information Center - provides information about consumer news items, recalls, and consumer scam alerts.
o   Better Business Bureau - file a complaint or see if others have complained about a business.
o   Consumers Union evaluates products and services and publishes Consumer Reports; also advocates for politically liberal causes.