Consumer Law
Overview
What is consumer law?
Consumer law covers a broad range of legal issues that affect consumers, such as consumer fraud, investment fraud, identity theft, warranties, product safety (including food and drug safety and products liability), debtor rights, and many others. Consumer law is designed to protect the consumer from deception (such as palpably false information about a product or service) and coercion.
Consumer law places restrictions on businesses advertising and selling products or services to consumers. For example, consumer law forbids creditors from discriminating against an applicant for credit on the basis of race, sex, religion, color, national origin, marital status, or for receiving public assistance. It also grants consumers various rights, such as the right to privacy. Consumer law is commonly referred to as "consumer protection law," reflecting its intended function.
Dockets
Barnard v. Green Tree Servicing LLC et al
4:2012cv00213
Filed in Missouri Eastern District Court
Type of Suit: Truth in Lending
Plaintiff: Daniel J Barnard. Defendant: Green Tree Servicing LLC, Rescomm Holdings No. 2 LLC and Ronald L Minda.
Judge: John A. Ross
Cause Of Action: Fair Credit Reporting ActReid Tamayose, et al v. Option One Mortgage Corporatio, et al
12-15267
Filed in Ninth Circuit Court of Appeals
Type of Suit: Truth in Lending
Plaintiff - Appellant: REID L. TAMAYOSE and NADINE K. TAMAYOSE. Defendant - Appellee: OPTION ONE MORTGAGE CORPORATION, its successors and assigns now known as Sand Canyon Corporation and H&R BLOCK BANK. Defendant-third-party-plaintiff - Appellee: RESIDENTIAL CREDIT SOLUTIONS, INC. Third-party-defendant - Appellee: OLD REPUBLIC TITLE & ESCROW OF HAWAII, LTD.ZHANG v. THE PRUDENTIAL INSURANCE COMPANY OF AMERICA
2:2012cv00741
Filed in New Jersey District Court
Type of Suit: Truth in Lending
Plaintiff: SURU ZHANG. Defendant: THE PRUDENTIAL INSURANCE COMPANY OF AMERICA.
Judge: Katharine S. Hayden
Cause Of Action: E.R.I.S.A.Westcott et al v. Wells Fargo Bank, N.A.
2:2012cv00206
Filed in Washington Western District Court
Type of Suit: Truth in Lending
Plaintiff: Evan Westcott and Inese Westcott. Defendant: Wells Fargo Bank, N.A.
Cause Of Action: Truth in LendingResnick v. BANK OF AMERICA, N.A. et al
1:2012cv10231
Filed in Massachusetts District Court
Type of Suit: Truth in Lending
Plaintiff: Karyl Resnick. Defendant: BAC Home Loans Servicing, L.P.
Judge: Nathaniel M. Gorton
Cause Of Action: Truth in Lending
Legislation
Bill Enacted: H.R.2055 Military Construction and Veterans Affairs, and Related Agencies ...
Making appropriations for military construction, the Department of Veterans Affairs, and related agencies for the fiscal year ending September 30, 2012, and for other purposes.
December 22, 2011: Became Public Law No: 112-74.Bill Introduced: S.2012 Children's Sleepwear Labeling Act of 2011
A bill to require that labels on children's sleepwear that indicate the sleepwear is flame resistant to include the chemical name of the flame retardant used, and for other purposes.Bill Introduced: H.R.3671 Judiciary Appropriations Act, 2012
Making consolidated appropriations for the fiscal year ending September 30, 2012, and for other purposes.Bill Introduced: H.R.3646 Foreign Manufacturers Legal Accountability Act of 2011
To require foreign manufacturers of products imported into the United States to establish registered agents in the United States who are authorized to accept service of process against such manufacturers, and for other purposes.Bill Introduced: S.1946 Foreign Manufacturers Legal Accountability Act of 2011
A bill to require foreign manufacturers of products imported into the United States to establish registered agents in the United States who are authorized to accept service of process against such manufacturers.
Regulations
Proposed Rule - Labeling Requirements for Alternative Fuels and Alternative Fueled Vehicles
Federal Trade Commission
Proposed Rule
Labeling Requirements for Alternative Fuels and Alternative Fueled Vehicles
,
31513-31517 [2011-13520]
FEDERAL TRADE COMMISSION 16 CFR Part 309 Labeling Requirements for Alternative Fuels and Alternative Fueled Vehicles AGENCY: Federal Trade Commission (FTC or Commission). ACTION: Advance notice of proposed rulemaking. SUMMARY: The Commission seeks public comment on its Labeling Requirements for Alternative Fuels and Alternative Fueled Vehicles (``Alternative Fuels Rule'' or ``Rule''). As part of its systematic review of all FTC rules and guides, the Commission requests public comment on the... [read document]
View Document | Download PDFRule - Guide Concerning Fuel Economy Advertising for New Automobiles: Postponement of Amendment
Federal Trade Commission
Rule
Guide Concerning Fuel Economy Advertising for New Automobiles:
Postponement of Amendment
,
31467-31468 [2011-13519]
FEDERAL TRADE COMMISSION 16 CFR Part 259 Guide Concerning Fuel Economy Advertising for New Automobiles AGENCY: Federal Trade Commission. ACTION: Postponement of amendment of guide. SUMMARY: The Federal Trade Commission (``FTC'' or ``Commission'') gives notice that it is postponing any amendments to its Guide Concerning Fuel Economy Advertising for New Automobiles (``Fuel Economy Guide'' or ``Guide'') pending completion of ongoing review by the Environmental Protection Agency (``EPA'') and the... [read document]
View Document | Download PDFRule - Appliance Labeling
Federal Trade Commission
Rule
Appliance Labeling
,
20233-20237 [2011-8689]
FEDERAL TRADE COMMISSION 16 CFR Part 305 RIN 3084-AB03 Appliance Labeling Rule AGENCY: Federal Trade Commission (FTC or Commission). ACTION: Final rule. SUMMARY: The Commission extends the effective date for its new light bulb labeling requirements to January 1, 2012, to provide manufacturers with additional compliance time. In addition, the Commission exempts from the new label requirements incandescent bulbs that will not be produced after January 1, 2013, due to Federal efficiency standards.... [read document]
View Document | Download PDFRule - Automotive Fuel Ratings Certification and Posting
Federal Trade Commission
Rule
Automotive Fuel Ratings Certification and Posting
,
19684-19692 [2011-8097]
FEDERAL TRADE COMMISSION 16 CFR Part 306 Automotive Fuel Ratings Certification and Posting AGENCY: Federal Trade Commission. ACTION: Final rule. SUMMARY: The Commission issues final amendments to its Rule for Automotive Fuel Ratings, Certification and Posting (``Fuel Rating Rule'' or ``Rule'') by allowing an alternative octane rating method and making other miscellaneous revisions. The Commission declines to issue final ethanol labeling amendments at this time. DATES: The amendments published... [read document]
View Document | Download PDFProposed Rule - Fair Credit Reporting Risk-Based Pricing Regulations
Federal Trade Commission
Proposed Rule
Fair Credit Reporting Risk-Based Pricing Regulations
,
13902-13921 [2011-5413]
FEDERAL RESERVE SYSTEM 12 CFR Part 222 [Regulation V; Docket No. R-1407] RIN 7100-AD66 FEDERAL TRADE COMMISSION 16 CFR Parts 640 and 698 RIN R411009 Fair Credit Reporting Risk-Based Pricing Regulations AGENCIES: Board of Governors of the Federal Reserve System (Board) and Federal Trade Commission (Commission). ACTION: Notice of proposed rulemaking. SUMMARY: On January 15, 2010, the Board and the Commission published final rules to implement the risk-based pricing provisions in section 311 of... [read document]
View Document | Download PDF
Articles
Credit Card Clarity: CARD Act Reform Works
Joshua M. Frank Center for Responsible Lending Date Posted: February 09, 2012 Working Paper Series 3 downloads Do Not Dismiss âAdequacyâ: European Data Privacy Standards are Entrenched Privacy Laws & Business International Report, No. 114, pp. 16â18, December 2011, UNSW Law Research Paper No. 2012-5, Graham Greenleaf Faculty of Law, University of New South Wales Date Posted: February 09, 2012 Accepted Paper Series 2 downloads Privacy Enforcement Strengthens in Australia & New Zealand Privacy Laws & Business International Report, Issue 115, February 2012, UNSW Law Research Paper No. 2012-4 Graham Greenleaf and Katrine Evans Faculty of Law, University of New South Wales and Office of the New Zealand Privacy Commissioner Date Posted: February 09, 2012 Accepted Paper Series 5 downloads Banks Collect Overdraft Opt-Ins Through Misleading Marketing: Survey Finds Low Opt-In Rate, High Number of Misperceptions Joshua M. Frank Center for Responsible Lending Date Posted: February 08, 2012 Working Paper Series Proof of Classwide Injury Brooklyn Journal of International Law, Vol. 37, No. 3, 2012 Sergio J. Campos University of Miami - School of Law Date Posted: February 07, 2012 Accepted Paper Series 16 downloads Concepcion and Preemption Under the Federal Arbitration Act Penn State Yearbook of Arbitration and Mediation, Forthcoming Ian D. Mitchell and Richard A. Bales Northern Kentucky University - Salmon P. Chase College of Law and Northern Kentucky University - Salmon P. Chase College of Law Date Posted: February 06, 2012 Accepted Paper Series 51 downloads Global Data Privacy Laws: 89 Countries, and Accelerating Privacy Laws & Business International Report, Issue 115, Special Supplement, February 2012, Queen Mary School of Law Legal Studies Research Paper No. 98/2012 Graham Greenleaf Faculty of Law, University of New South Wales Date Posted: February 06, 2012 Last Revised: February 09, 2012The Risks and Regulation of Location
TPRC 2010 Dirk Grunwald , Aaron Beach , Kevin Bauer , Qin Lv and Douglas Sicker University of Colorado at Boulder , affiliation not provided to SSRN , University of Waterloo , affiliation not provided to SSRN and University of Colorado at Boulder - Department of Computer Science Date Posted: January 22, 2012 Accepted Paper Series 2 downloads Recent French Decisions on Database Protection: Towards a More Consistent and Compliant Approach with the Court of Justiceâs Case Law? European Journal of Law and Technology, No. 2, 2012 Estelle Derclaye University of Nottingham, School of law Date Posted: January 21, 2012 Accepted Paper Series 9 downloads An Ounce of Prevention: Avoiding Waste with Early Motions Attacking Class Certification Tom Kayes Northwestern University School of Law Date Posted: January 20, 2012 Working Paper Series 7 downloads Anticompetitive Regulation in the Payment of Card Industry Competition Policy International, Vol. 7, No. 2, Fall 2011, Columbia Law and Economics Working Paper No. 416 Ronald J. Mann Columbia University - Law School Date Posted: January 20, 2012 Accepted Paper Series 24 downloads Who Offers Internet Banking? Quarterly Journal, Office of the Comptroller of the Currency, Vol. 19, No. 2, p. 27, 2000 Karen Furst , William W. Lang and Daniel E. Nolle Office of the Comptroller of the Currency , Federal Reserve Bank of Philadelphia and Office of the Comptroller of the Currency Date Posted: January 20, 2012 Accepted Paper Series 2 downloads The Home Mortgage Bridge Loan Assistance Act of 2012 Cornell Legal Studies Research Paper No. 12-02 Robert C. Hockett and Michael Campbell Cornell University - School of Law and affiliation not provided to SSRN Date Posted: January 19, 2012 Last Revised: February 09, 2012White Paper In Support of The Home Mortgage Bridge Loan Assistance Act of 2012
Cornell Legal Studies Research Paper No. 12-03 Robert C. Hockett and Michael Campbell Cornell University - School of Law and affiliation not provided to SSRN Date Posted: January 19, 2012 Last Revised: February 09, 2012The Consumer Rights Directive Adopted
Caroline Cauffman Universities of Maastricht and Antwerp Date Posted: February 06, 2012 Working Paper Series 7 downloads Infancy Doctrine Inquiries Santa Clara Law Review, Vol. 52, pp. 47-80, 2012 Cheryl B. Preston and Brandon T. Crowther Brigham Young University - J. Reuben Clark Law School and Brigham Young University - J. Reuben Clark Law School Date Posted: February 05, 2012 Last Revised: February 09, 2012Automated Tracking of Online Service Policies
TPRC 2010 J. Trent Adams , Kevin Bauer , Asa Hardcastle , Dirk Grunwald and Douglas Sicker affiliation not provided to SSRN , University of Waterloo , OpenLiberty.org , University of Colorado at Boulder and University of Colorado at Boulder - Department of Computer Science Date Posted: January 22, 2012 Accepted Paper Series 4 downloads Beliefs and Behaviors: Internet Users' Understanding of Behavioral Advertising TPRC 2010 Aleecia McDonald and Lorrie Faith Cranor affiliation not provided to SSRN and Carnegie Mellon University - School of Computer Science and Carnegie Institute of Technology Date Posted: January 22, 2012 Accepted Paper Series 1 downloads Mixed Context and Privacy TPRC 2010 Jesse Sowell affiliation not provided to SSRN Date Posted: January 22, 2012 Accepted Paper Series 2 downloads Race, Attorney Influence, and Bankruptcy Chapter Choice Journal of Empirical Legal Studies, Forthcoming, Arizona Legal Studies Discussion Paper No. 12-02 Jean Braucher , Dov Cohen and Robert M. Lawless University of Arizona - James E. Rogers College of Law , University of Illinois and University of Illinois College of Law Date Posted: January 22, 2012 Last Revised: February 07, 2012
