Consumer Protection

Consumer protection is part of a government regulation that protects the interests of consumers. The government sometimes requires businesses to give out detailed information about products, especially, when the safety of consumers or public health is an issue, such as with food. Consumer protection is linked to consumer rights and the formation of consumer organizations that are designed to help the general public make better and more informed choices in the marketplace.

Consumers can also be better severed by the promoting of competition in the individual markets. This can directly and indirectly serve consumers with consistent economic efficiency. This is known as competition law. Some other categories within consumer protection are auto lemon law, consumer law, contract and forms, fraud, small business franchises, consumer rights, criminal background checks, identity theft, mail fraud, and telemarketing fraud.

In the United States there are a variety of laws, at both, the federal and the state levels that regulate consumer affairs. Among these are the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair Credit Billing Act, the Truth in Lending Act, and the Gramm-Leach-Bliley Act. Federal consumer protection laws are enforced mainly by the Federal Trade Commission (FTC) and the U.S. Department of Justice (DOJ), at the federal level. The FTC is the agency of the federal government that is in charge of making sure that the rights of consumers are not violated. The central goal of the FTC is to promote safe, fair and legal consumer and business practices. The FTC investigates issues raised by consumers and businesses regarding commercial concerns including false advertisements, undisclosed product dangers, and other related consumer fraud topics.

Many states have a local agency in charge of consumer affairs that are devoted to regulating consumer matters at a state level. These matters may include the regulation of certain industries and protecting consumers that use services or goods from those industries. Consumer protection laws, also known as consumer laws, are known as an area of public law that regulates private legal relationships between businesses and individual consumers. Consumer protection covers a vast range of topics including product liability, privacy rights, unfair business practices, misrepresentation, and fraud. All American consumers are granted certain rights which protect them against bad business practices. Consumer protection lawyers cover a wide variety of areas including consumer fraud, privacy rights, product liability, warranties, misrepresentation, identity theft, and deceptive business practices.

National Consumer Protection Week is held annually in the first week of March, also known as, the NCPW. It highlights consumer protection and education efforts around the United States.  Consumers can find practical and tactical tips from the NCPW organizations about how to make good financial decisions. Other consumer protection related topics include bad credit repair, home repair fraud, health care fraud,  deceptive sales marketing, credit card fraud, debt help, telemarketing fraud, and consumer email fraud.

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