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U.S. state laws on fair debt collection generally fall into two categories: laws which require persons who are collecting debts from consumers to be licensed, registered or bonded in order to collect from consumers in their states, and laws that protect consumers from specific unfair practices by debt collectors, which may include collection agencies and sometimes original creditors. [2]
The Uniform Law Commission has proposed a model bill – the Uniform Personal Data Protection Act (“UPDPA”), which “provides a reasonable level of consumer protection without incurring the compliance and regulatory costs associated with some existing state regimes.” [2]
Truth in Lending Act; Long title: An Act to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit; by restricting the garnishment of wages; and by creating the National Commission on Consumer Finance to study and make recommendations on the need for ...
Arkansas Attorney General Dustin McDaniel has sued Henderson, Nev.-based Consumer Telcom, Inc. alleging that the telecommunications company continued to charge Arkansas consumers even after they ...
Congress first addressed the issue of junk faxes in the Telephone Consumer Protection Act of 1991 (TCPA). Although this legislation dealt broadly with larger issues of nuisance telemarketing tactics, it included provisions making it illegal for any person to send an unsolicited advertisement to a fax machine. [2]
Federal consumer protection laws are mainly enforced by the Federal Trade Commission, the Consumer Financial Protection Bureau, the Food and Drug Administration, and the U.S. Department of Justice. At the state level, many states have adopted the Uniform Deceptive Trade Practices Act [ 12 ] including, but not limited to, Delaware, [ 13 ...
Arkansas car insurance laws require every driver to carry at least a minimum coverage insurance policy. However, many drivers choose to carry additional coverage for added financial protection.
Lemon law protection arises under state law, with every U.S. state and the District of Columbia having its own lemon law. [1] Although the exact criteria vary by state, new vehicle lemon laws require that an auto manufacturer repurchase a vehicle that has a significant defect that the manufacturer is unable to repair within a reasonable amount of time. [2]