Consumer Protection Strategies: A Literature Review and Synthesis. Improving the Consumer Protection Function in Postsecondary Education.

ERIC Educational Resources Information Center

Helliwell, Carolyn B.; Jung, Steven M.

Summarized are the findings of an American Institutes for Research (AIR) project to field test a data capture and dissemination system that would provide information for improving consumer protection in postsecondary education. Presented is a discussion of the methodology used, examples of consumer abuses cited in the literature, an analysis of…

75 FR 67301 - Antidisruptive Practices Authority Contained in the Dodd-Frank Wall Street Reform and Consumer...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-02

... Practices Authority Contained in the Dodd-Frank Wall Street Reform and Consumer Protection Act AGENCY.... SUMMARY: The Dodd-Frank Wall Street Reform and Consumer Protection Act (the ``Dodd-Frank Act'') amends... Reform and Consumer Protection Act (``Dodd-Frank Act'').\\2\\ Title VII of the Dodd-Frank Act \\3\\ amended...

76 FR 67128 - Proposed Collection; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2011-10-31

[email protected] Mail: Cathleen Skinner, Consumer Response, Consumer Financial Protection Bureau, 1500... INFORMATION CONTACT: Requests for additional information should be directed to Cathaleen Skinner, Consumer Financial Protection Bureau, (202) 435-7469, cathaleen.skinner@cfpb.gov . SUPPLEMENTARY INFORMATION: Title...

76 FR 81789 - Consumer Leasing (Regulation M); Correction

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-29

... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1013 [Docket No. CFPB-2011-0026] RIN 3170-AA06 Consumer Leasing (Regulation M); Correction AGENCY: Bureau of Consumer Financial Protection. ACTION...). The interim final rule established a new Regulation M (Consumer Leasing) in accordance with the...

78 FR 55327 - Advisory Committee for Aviation Consumer Protection

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-10

... Committee for Aviation Consumer Protection AGENCY: Office of the Secretary (OST), Department of... fifth meeting of the Advisory Committee for Aviation Consumer Protection. DATES: The fifth meeting of... Federal Aviation Administration (FAA) headquarters at 800 Independence Avenue SW., Washington, DC...

77 FR 47045 - Proposed Collection; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-07

... the Collection of Qualitative Feedback on the Service Delivery of the Consumer Financial Protection... of Qualitative Feedback on the Service Delivery of the Consumer Financial Protection Bureau... Qualitative Feedback on the Service Delivery of the Consumer Financial Protection Bureau. OMB Control Number...

Toward a Federal Strategy for Protection of the Consumer of Education. Report of the Subcommittee on Educational Consumer Protection.

ERIC Educational Resources Information Center

Office of the Assistant Secretary for Education (DHEW), Washington, DC.

In recent years there has been growth not only in the number of students, but also in federal programs that provide student financial support. This document initiates formulation of a federal strategy for consumer protection that works in conjunction with efforts of the states, localities, consumer groups, and other private organizations,…

Awareness of Consumer Protection Act among dental health professionals in dental schools of Ghaziabad, India.

PubMed

Prasad, Sumanth; Menon, Ipseeta; Dhingra, Chandan; Anand, Richa

2013-12-01

The study aimed to assess the awareness of the Consumer Protection Act among dental health professionals in dental schools of Ghaziabad, India. A cross-sectional questionnaire survey was carried out on dental health professionals in dental schools of Ghaziabad, India. A total of 348 dental health professionals (170 males and 178 females) were surveyed, out of which 116 were MDS faculty, 45 were BDS faculty and 187 were pursuing post graduation. The questionnaire comprised of 24 questions about the awareness of consumer protection act. Statistical analysis was done using Chi-square test, student's t test and ANOVA. A total of 84.8% (n=295) reported to be aware of consumer protection act. Amongst them, MDS faculty showed more awareness as compared to BDS faculty and those pursuing post-graduation. Considering the present scenario, MDS faculty dental professionals have more awareness of consumer protection act compared to other dental professionals. So, we must upgrade our knowledge on consumer protection act at all levels of our profession and change our attitude by inculcating a practice to spread the message of consumer protection act for delivering quality dental care.

16 CFR 0.20 - Office of International Affairs.

Code of Federal Regulations, 2010 CFR

2010-01-01

... consumer protection aspects of trade fora and negotiations, such as the U.S. inter-agency delegations... international antitrust, international consumer protection, and international technical assistance. OIA is... advice to the Bureaus of Competition and Consumer Protection with regard to the international aspects of...

78 FR 36780 - Agency Information Collection Activities: Proposed Collection Renewals; Comment Request Re...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-06-19

... Collection Renewals; Comment Request Re: Insurance Sales Consumer Protections AGENCY: Federal Deposit... is seeking comment on renewal of its Insurance Sales Consumer Protections information collection (OMB... collections of information: Title: Insurance Sales Consumer Protections. OMB Number: 3064-0140. Frequency of...

76 FR 13018 - Departmental Offices Proposed Collections; Comment Requests

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-09

... U.S.C. 3506(c)(2)(A)). The Consumer Financial Protection Bureau implementation team is soliciting... consideration. ADDRESSES: Direct all written comments to Andrew Trueblood, Consumer Financial Protection Bureau... additional information should be directed to Andrew Trueblood in writing at Consumer Financial Protection...

78 FR 53758 - Agency Information Collection Activities: Submission for OMB Review; Comment Request: Insurance...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-30

... Review; Comment Request: Insurance Sales Consumer Protections AGENCY: Federal Deposit Insurance... comment for 60 days on renewal of its Insurance Sales Consumer Protections information collection, which... Sales Consumer Protections. OMB Number: 3064-0140. Frequency of Response: Once--reviewing/updating...

Children: Special Consumers but Not Special Treatment.

ERIC Educational Resources Information Center

Doran, Lee Anne; Dolan, Elizabeth M.

1989-01-01

Reviews several child-related consumer protection issues subject to industry short-sightedness and regulatory manipulation. Indicates that although it may be unrealistic to believe that child-related consumer protection should receive priority, children do merit special consideration as consumers. (JOW)

77 FR 74625 - Policy To Encourage Trial Disclosure Programs; Information Collection

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-17

... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Chapter X [Docket No. CFPB-2012-0046] Policy To Encourage Trial Disclosure Programs; Information Collection AGENCY: Bureau of Consumer Financial Protection... Bureau of Consumer Financial Protection (Bureau) invites the general public and other Federal agencies to...

75 FR 80817 - Charges for Certain Disclosures

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-23

..., Bureau of Consumer Protection, 202-326-3208, or Keith B. Anderson, Bureau of Economics, Federal Trade... changes rounded to the nearest fifty cents. An amendment of this section by the Consumer Financial Protection Act of 2010 \\2\\ provides that the newly-created Consumer Financial Protection Bureau will perform...

40 CFR 1051.137 - What are the consumer labeling requirements?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 32 2010-07-01 2010-07-01 false What are the consumer labeling requirements? 1051.137 Section 1051.137 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED... and Related Requirements § 1051.137 What are the consumer labeling requirements? Label every vehicle...

12 CFR 1005.3 - Coverage.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Banking BUREAU OF CONSUMER FINANCIAL PROTECTION ELECTRONIC FUND TRANSFERS (REGULATION E) General § 1005.3... Consumer Financial Protection Act of 2010, Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203, 124 Stat. 1376. (b) Electronic fund transfer. (1) Definition. The term...

12 CFR 1005.3 - Coverage.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Banking BUREAU OF CONSUMER FINANCIAL PROTECTION ELECTRONIC FUND TRANSFERS (REGULATION E) § 1005.3 Coverage... Consumer Financial Protection Act of 2010, Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203, 124 Stat. 1376. (b) Electronic fund transfer—(1) Definition. The term...

American Council on Consumer Interests. Annual Conference. The Proceedings. Convention Theme: Ideas/Commitment/Action (22nd, Atlanta, Georgia, April 7-10, 1976).

ERIC Educational Resources Information Center

Mohr, Lillian Holmen

These proceedings consist of 25 conference papers on consumer interests: (1) Consumer Leaders of Yesteryear, (2) Potentials for Professionalism in Consumer Affairs, (3) Legislative Priorities--The Washington Scene, (4) Consumer Protection--The Municipal Approach, (5) Virginia Approach to Consumer Protection, (6) An Explanation of Electric Utility…

Relating Economic Ideology to Consumer Protection: A Suggested Unit in Consumer Education

ERIC Educational Resources Information Center

Herrmann, Robert O.

1977-01-01

Describes a suggested unit in consumer education designed to give students insight into the controversy about consumer protection policy and proposals, and compares the basic views of three economic belief systems: neoclassical, managerial, and liberal-Galbraithian. (MF)

40 CFR 422.20 - Applicability; description of the phosphorus consuming subcategory.

Code of Federal Regulations, 2011 CFR

2011-07-01

... phosphorus consuming subcategory. 422.20 Section 422.20 Protection of Environment ENVIRONMENTAL PROTECTION... Phosphorus Consuming Subcategory § 422.20 Applicability; description of the phosphorus consuming subcategory... manufacture of phosphoric acid, phosphorus pentoxide, phosphorus pentasulfide, phosphorus trichloride, and...

40 CFR 422.20 - Applicability; description of the phosphorus consuming subcategory.

Code of Federal Regulations, 2010 CFR

2010-07-01

... phosphorus consuming subcategory. 422.20 Section 422.20 Protection of Environment ENVIRONMENTAL PROTECTION... Phosphorus Consuming Subcategory § 422.20 Applicability; description of the phosphorus consuming subcategory... manufacture of phosphoric acid, phosphorus pentoxide, phosphorus pentasulfide, phosphorus trichloride, and...

12 CFR Appendix A to Part 343 - Consumer Grievance Process

Code of Federal Regulations, 2010 CFR

2010-01-01

... POLICY CONSUMER PROTECTION IN SALES OF INSURANCE Pt. 343, App. A Appendix A to Part 343—Consumer... Consumer Protection (DSC), Federal Deposit Insurance Corporation, at the following address: 550 17th Street... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Consumer Grievance Process A Appendix A to Part...

Consumer Protection in Postsecondary Education: A National Invitational Conference. Program Handbook.

ERIC Educational Resources Information Center

Albanese, Frank N.; And Others

Twelve preconference papers and background articles that identify issues in consumer protection in postsecondary education are presented. The papers and articles include "Recruitment Practices of Postsecondary Schools" (Frank N. Albanese); "The Role of a State Agency in Consumer Protection" (Philip F. Ashler); "The Three R's of Postsecondary…

Information Needs for Student and Public Choice in Postsecondary Education.

ERIC Educational Resources Information Center

Shapiro, Paul S.

There has been an increasing movement toward consumer protection in recent years, sparked by a few crusaders, a better educated public, and changing socioeconomic conditions. What is new is the interest being generated under the rubric of consumer protection in postsecondary education. This conception of consumer protection deals almost…

77 FR 48460 - Transportation of Household Goods in Interstate Commerce; Consumer Protection Regulations

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-14

..., direct final rule concerning household goods consumer protection. The direct final rule amended the... No. FMCSA-2012-0119] RIN 2126-AB52 Transportation of Household Goods in Interstate Commerce; Consumer Protection Regulations AGENCY: Federal Motor Carrier Safety Administration (FMCSA), DOT. ACTION: Direct final...

40 CFR 51.368 - Public information and consumer protection.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 40 Protection of Environment 2 2013-07-01 2013-07-01 false Public information and consumer.../Maintenance Program Requirements § 51.368 Public information and consumer protection. (a) Public awareness. The SIP shall include a plan for informing the public on an ongoing basis throughout the life of the I...

77 FR 11186 - Request for Comments on a New Information Collection

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-24

... of Transportation's aviation economic, consumer protection, and civil rights requirements. Among... Consumer Protection Division Web page On-Line Aviation Complaint Form. Type of Request: Request for an OMB... broad authority under 49 U.S.C., Subtitle VII, to investigate and enforce consumer protection and civil...

26 CFR 1.7702B-1 - Consumer protection provisions.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 13 2011-04-01 2011-04-01 false Consumer protection provisions. 1.7702B-1 Section 1.7702B-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) General Actuarial Valuations § 1.7702B-1 Consumer protection...

77 FR 66935 - Telephone Consumer Protection Act of 1991

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-08

... FEDERAL COMMUNICATIONS COMMISSION 47 CFR Part 64 [CG Docket No. 02-278; FCC 12-21] Telephone Consumer Protection Act of 1991 AGENCY: Federal Communications Commission. ACTION: Final rule; correction...: Karen Johnson, Consumer and Governmental Affairs Bureau, Consumer Policy Division, at (202) 418- 7706 or...

12 CFR 265.9 - Functions delegated to the Director of Division of Consumer and Community Affairs.

Code of Federal Regulations, 2010 CFR

2010-01-01

...), 814(c), and 917(b) of the Consumer Credit Protection Act (15 U.S.C. 1607(b), 1681s(b), 1691c(b), 1692l... responsibilities in connection with: (1) Sections 1-200 and 501-921 of the Consumer Credit Protection Act (15 U.S.C... Advisory Council. Pursuant to section 703(b) of the Consumer Credit Protection Act (15 U.S.C. 1691b(b)), to...

A Consumer Protection Model for Regulating Lawyers.

ERIC Educational Resources Information Center

Chalfie, Deborah M.

1992-01-01

Describes and critiques the "discipline model" of lawyer regulation from a consumer point of view and outlines an alternative model for regulating lawyers that is grounded in consumer protection principles. (JOW)

Accreditation and Student Consumer Protection. An Occasional Paper.

ERIC Educational Resources Information Center

Jung, Steven M.

The role of postsecondary accreditation and its relation to student consumer protection are discussed in this monograph. The importance of this concept is examined in light of increased marketing efforts on the part of higher education institutions. It is emphasized that students are consumers and their rights should be protected. Possible areas…

77 FR 13959 - National Consumer Protection Week, 2012

Federal Register 2010, 2011, 2012, 2013, 2014

2012-03-08

....NCPW.gov . With the leadership of the Consumer Financial Protection Bureau (CFPB) and Director Richard... the CFPB. To share your own experience with consumer financial products, file a complaint, or find...

Counseling Directory and Consumer's Guide: Implementing Professional Disclosure and Consumer Protection.

ERIC Educational Resources Information Center

Swanson, John L.

1979-01-01

The publication of a "counseling directory" and "consumer's guide" is a new approach that can be used to respond to the current professional issues of professional disclosure and consumer protection. Reviews the purposes, format, and content of both the directory and guide. (Author)

12 CFR 1002.16 - Enforcement, penalties and liabilities.

Code of Federal Regulations, 2013 CFR

2013-01-01

... a result of a consumer complaint, a consumer compliance examination, or some other basis) that a... Section 1002.16 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION EQUAL CREDIT OPPORTUNITY ACT..., Secretary of Transportation, and Bureau of Consumer Financial Protection. (2) Except to the extent that...

12 CFR 1002.16 - Enforcement, penalties and liabilities.

Code of Federal Regulations, 2014 CFR

2014-01-01

... a result of a consumer complaint, a consumer compliance examination, or some other basis) that a... Section 1002.16 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION EQUAL CREDIT OPPORTUNITY ACT..., Secretary of Transportation, and Bureau of Consumer Financial Protection. (2) Except to the extent that...

12 CFR 1002.16 - Enforcement, penalties and liabilities.

Code of Federal Regulations, 2012 CFR

2012-01-01

... a result of a consumer complaint, a consumer compliance examination, or some other basis) that a... Section 1002.16 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION EQUAL CREDIT OPPORTUNITY ACT..., Secretary of Transportation, and Bureau of Consumer Financial Protection. (2) Except to the extent that...

Consumer Protection for Educators.

ERIC Educational Resources Information Center

Wallace, James M.

Educational changes are examined from the perspective of consumer protection--the direct consumers are the teachers being prepared; the indirect consumers are the students and the society that supports the schools. During the colonial and early national periods of American history, there was an absence of formal and separate teacher education.…

77 FR 30915 - Empowering Consumers To Prevent and Detect Billing for Unauthorized Charges (“Cramming...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-24

... cramming and make clear the need for additional protection for consumers. DATES: Effective May 24, 2012... strike an appropriate balance between maximizing consumer protection and avoiding imposing undue burdens...), and 403, the Commission's rules are adopted. 28. The Commission's Consumer and Governmental Affairs...

Vulnerable Consumers in a Highly Developed Asian Economy: The Case of Japan.

ERIC Educational Resources Information Center

Morita, Yoko; Mieno, Yoshiko; Ikeda, Michiyo; Ogawa, Ikuko

2000-01-01

Presents a survey of the administrative system of consumer protection in Japan and the present state of affairs for consumers. Indicates that progress in advancing consumer protection policies is advancing, but the government has been slow to react to problems and adopt remedies or adjustments. (JOW)

16 CFR 901.4 - Criteria for determination.

Code of Federal Regulations, 2010 CFR

2010-01-01

... costly, lengthy, or burdensome relative to consumers exercising any of the rights or gaining the benefits... imposed on consumers in sections 803 through 812 of the act. (6) Consumers' rights and protections are... whether the law of a State is substantially similar to, or provides greater protection to consumers than...

29 CFR 870.11 - Exceptions to the restrictions provided by section 303(a) of the CCPA and priorities among...

Code of Federal Regulations, 2010 CFR

2010-07-01

... Act. (2) Accordingly the Consumer Credit Protection Act does not restrict in any way the amount which..., the Consumer Credit Protection Act permits garnishment for the support of any person of only the... debt, and these garnishments have priority, the Consumer Credit Protection Act does not permit...

76 FR 39246 - List of Office of Thrift Supervision Regulations to be Enforced by the Office of the Comptroller...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-06

... Corporation (FDIC). ACTION: Joint notice. SUMMARY: The Dodd-Frank Wall Street Reform and Consumer Protection... Consumer Financial Protection Bureau will enforce this rule for institutions with assets of more than $10... associations with assets of $10 billion or less. The Consumer Financial Protection Bureau will enforce this...

Cybersecurity: Authoritative Reports and Resources

DTIC Science & Technology

2013-10-25

Security Technologies Reporting Data Breaches: Is Federal Legislation Needed to Protect Consumers ? July 18, 2013 Energy and Commerce Commerce ...Protect Consumers ? July 18, 2013 Energy and Commerce Oversight and Investigation Cyber Espionage and the Theft of U.S. Intellectual Property and...protection for sensitive consumer data and timely notification in case of breach June 15, 2011 Energy and Commerce Commerce , Manufacturing, and

3 CFR 8482 - Proclamation 8482 of March 5, 2010. National Consumer Protection Week, 2010

Code of Federal Regulations, 2011 CFR

2011-01-01

... responsible consumers with unreasonable costs. However, consumers must also learn to avoid predatory practices... Americans of all ages the resources they need to make wise buying decisions is the responsibility of Federal... to share information about consumer protection; and I encourage all Americans to learn more about...

Law Enforcement of Consumer Protection for Safe Food Packaging in The Decisions of Criminal Justice

NASA Astrophysics Data System (ADS)

Wiryani, F.; Herwastoeti; Najih, M.; Haris, A.

2017-04-01

The right to a safe food is a human rights protected by the 1945 Constitution and legislation, including the Health Act, the Consumer Protection Act and Food Act. The law governing the rights and obligations of consumers; rights, obligations and responsibilities of businesses, as well as prohibitions and sanctions for businesses that violate. Food consumers aggrieved can file a non-litigation legal action and / or litigation. Non-litigation legal efforts made through negotiation or mediation or through Consumer Dispute Resolution Body (BPSK). The litigation efforts made by filing a lawsuit for damages to the court and / or reporting the case to the criminal law enforcement. This study specifically examines the enforcement of criminal law in the judgment as a safeguard against food consumers. Sanctions provisions setting a strategic role in an effort to make the protection of consumers of food. Patterns general formulation of the maximum penalty in the third Act is not appropriate because it too gives flexibility for the judge to make a decision as low to the Defendant. Facts on society, business agent has a dominant and strong position compared with consumers of food. These favorable conditions business agent position and vice versa less give legal protection to the Consumer Food. Preferably the pattern formulation penalty of criminal acts in the field of food using a specific minimum and maximum public.

76 FR 40612 - Real Estate Settlement Procedures Act (RESPA): Technical Corrections and Clarifying Amendments

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-11

...)(ii)(D) states that ``creditor'' is defined in the Consumer Credit Protection Act at 15 U.S.C. 1602(f... ``creditor'', as defined in section 103(g) of the Consumer Credit Protection Act (15 U.S.C. 1602(g)), that... enactment of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act (Pub. L. 110-203...

System for Collecting, Analyzing, and Using Information on Institutional Consumer Protection Practices: Accreditation User Guide. Improving The Consumer Protection Function in Postsecondary Education.

ERIC Educational Resources Information Center

Jung, Steven M.; And Others

This accreditation user guide describes: (1) a set of institutional conditions, policies, and practices that are potentially abusive to students, and (2) a system for collecting, analyzing, and using quantitative data on these conditions, policies, and practices. Possible uses include: (1) setting consumer protection standards and goals that…

The Michigan Consumer Protection Act of 1976. Consumer Education Training Module.

ERIC Educational Resources Information Center

Monsma, Charles

This guide for secondary teachers is designed to identify and illustrate specified illegal practices identified in the Michigan Consumer Protection Act of 1976. The guide also explains procedures that a consumer or law-enforcement agency can take to enforce the provisions of this law. Since the act is a broad one, students learn not only about…

77 FR 11073 - Proposed Collection; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-24

... of its functions under the Federal consumer financial laws, and to provide information on emerging... BUREAU OF CONSUMER FINANCIAL PROTECTION [Docket No. CFPB-2012-0006] Proposed Collection; Comment Request AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice and request for comment. SUMMARY...

3 CFR 8634 - Proclamation 8634 of March 4, 2011. National Consumer Protection Week, 2011

Code of Federal Regulations, 2012 CFR

2012-01-01

..., from buying a home or car to paying off a loan or using a credit card. Consumer education is vital to... Consumer Protection Week. I call upon government officials, industry leaders, and advocates across the...

12 CFR 1082.1 - Procedures for notifying the Bureau of Consumer Financial Protection when a State Official takes...

Code of Federal Regulations, 2014 CFR

2014-01-01

... Financial Protection when a State Official takes an action to enforce title X of the Dodd-Frank Wall Street... Bureau of Consumer Financial Protection when a State Official takes an action to enforce title X of the... office of the Bureau responsible for enforcement of Federal consumer financial law pursuant to title X of...

12 CFR 1082.1 - Procedures for notifying the Bureau of Consumer Financial Protection when a State Official takes...

Code of Federal Regulations, 2013 CFR

2013-01-01

... Financial Protection when a State Official takes an action to enforce Title X of the Dodd-Frank Wall Street... Bureau of Consumer Financial Protection when a State Official takes an action to enforce Title X of the... office of the Bureau responsible for enforcement of Federal consumer financial law pursuant to Title X of...

78 FR 20899 - Agency Information Collection Activities: Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2013-04-08

... BUREAU OF CONSUMER FINANCIAL PROTECTION [Docket No. CFPB-2013-0008] Agency Information Collection Activities: Comment Request AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice and request for comment. SUMMARY: In accordance with the Paperwork Reduction Act of 1995 (PRA), the Consumer Financial...

76 FR 43569 - Identification of Enforceable Rules and Orders

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-21

... Consumer Report Information and Records), & Appendix A to Part 681 (Interagency Guidelines on Identity... BUREAU OF CONSUMER FINANCIAL PROTECTION [Docket No. CFPB-HQ-2011-1] 12 CFR Chapter X Identification of Enforceable Rules and Orders AGENCY: Bureau of Consumer Financial Protection. ACTION: Final...

29 CFR 1985.100 - Purpose and scope.

Code of Federal Regulations, 2014 CFR

2014-07-01

... (CONTINUED) PROCEDURES FOR HANDLING RETALIATION COMPLAINTS UNDER THE EMPLOYEE PROTECTION PROVISION OF THE CONSUMER FINANCIAL PROTECTION ACT OF 2010 Complaints, Investigations, Findings, and Preliminary Orders... the Consumer Financial Protection Act of 2010, Section 1057 of the Dodd-Frank Wall Street Reform and...

76 FR 31222 - Identification of Enforceable Rules and Orders

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-31

... Reporting Act, except with respect to Part 681 (Identity Theft Rules), Part 682 (Disposal of Consumer Report... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Chapter X [Docket No.: CFPB-HQ-2011-1] Identification of Enforceable Rules and Orders AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice...

77 FR 74831 - Fair Credit Reporting Act Disclosures

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-18

... the FACT Act added a new Section 612(a) to the FCRA that gives consumers the right to request free... BUREAU OF CONSUMER FINANCIAL PROTECTION [Docket No. CFPB-2012-0047] Fair Credit Reporting Act Disclosures AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice regarding charges for certain...

The rights of patients as consumers: An ancient view.

PubMed

Barapatre, Nishant Bhimraj; Joglekar, Vishnu Prabhakar

2016-01-01

As far as the rights of consumers are concerned, the International Organization of Consumer's Union (IOCU) in 1983 has specified about the eight rights of a consumer. The Consumer Protection Act (CPA), 1986 then prescribed six "Rights of Consumers," which are protected under the act. However, these rights can be observed in the ancient Indian texts such as Brihat-trayee , Narad Smruti , and Kautilya Arthashastra ., in the form of rights given to patients. For the purpose of present study, the implemented methodology includes - (1) study of the consumer rights described by IOCU and CPA, (2) detailed review of literature for observance of replication of these consumer rights in the ancient Indian texts and (3) a comparative study of the present consumer rights with the rights of patients observed in ancient Indian texts. This study shows that the substance of consumer rights is not a recent evolution, but the foundation of these rights has been laid well beforehand in the ancient times, which were provided to the patients by medical profession as well as by the rulers. The current scenario of protection of consumer rights is the replication of this ancient practice only.

The rights of patients as consumers: An ancient view

PubMed Central

Barapatre, Nishant Bhimraj; Joglekar, Vishnu Prabhakar

2016-01-01

As far as the rights of consumers are concerned, the International Organization of Consumer's Union (IOCU) in 1983 has specified about the eight rights of a consumer. The Consumer Protection Act (CPA), 1986 then prescribed six “Rights of Consumers,” which are protected under the act. However, these rights can be observed in the ancient Indian texts such as Brihat-trayee, Narad Smruti, and Kautilya Arthashastra., in the form of rights given to patients. For the purpose of present study, the implemented methodology includes – (1) study of the consumer rights described by IOCU and CPA, (2) detailed review of literature for observance of replication of these consumer rights in the ancient Indian texts and (3) a comparative study of the present consumer rights with the rights of patients observed in ancient Indian texts. This study shows that the substance of consumer rights is not a recent evolution, but the foundation of these rights has been laid well beforehand in the ancient times, which were provided to the patients by medical profession as well as by the rulers. The current scenario of protection of consumer rights is the replication of this ancient practice only. PMID:29491665

75 FR 44841 - Agency Information Collection Activities; Revision of a Currently-Approved Information Collection...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-07-29

... Request: Transportation of Household Goods; Consumer Protection AGENCY: Federal Motor Carrier Safety... request (ICR), ``Transportation of Household Goods; Consumer Protection,'' OMB Control Number 2126-0025...: Respondents: 8,500 [6,000 household goods movers + 2,500 consumers]. Issued on: July 23, 2010. Kelly Leone...

Free medical care and consumer protection.

PubMed

Agrawal, Aniket Deepak; Banerjee, Arunabha

2011-01-01

This paper will examine the question of whether patients, who receive free medical care, whether from private charitable or governmental hospitals, can claim rights as 'consumers' under the Consumer Protection Act, 1986. The issue will be discussed from a constitutional perspective as well as that of the law of torts.

12 CFR 536.10 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

... and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN SALES OF INSURANCE § 536.10 Purpose and scope. (a) General rule. This part establishes consumer protections in... annuity to a consumer by: (1) Any savings association; or (2) Any other person that is engaged in such...

12 CFR 208.81 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

... STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H) Consumer Protection in Sales of Insurance § 208.81 Purpose and scope. This subpart establishes consumer protections in connection with... consumer by: (a) Any state member bank; or (b) Any other person that is engaged in such activities at an...

12 CFR 14.10 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

... and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN SALES OF INSURANCE § 14.10 Purpose and scope. (a) General rule. This part establishes consumer protections in... annuity to a consumer by: (1) Any national bank; or (2) Any other person that is engaged in such...

12 CFR 343.10 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

... CONSUMER PROTECTION IN SALES OF INSURANCE § 343.10 Purpose and scope. This part establishes consumer protections in connection with retail sales practices, solicitations, advertising, or offers of any insurance product or annuity to a consumer by: (a) Any bank; or (b) Any other person that is engaged in such...

77 FR 67744 - Fair Credit Reporting (Regulation V); Correction

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-14

... of furnishers and users of consumer reports. To mitigate the impact of these changes on users of the... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [Docket No. CFPB-2012-0041] RIN 3170-AA06 Fair Credit Reporting (Regulation V); Correction AGENCY: Bureau of Consumer Financial Protection...

29 CFR 1985.102 - Obligations and prohibited acts.

Code of Federal Regulations, 2014 CFR

2014-07-01

..., DEPARTMENT OF LABOR (CONTINUED) PROCEDURES FOR HANDLING RETALIATION COMPLAINTS UNDER THE EMPLOYEE PROTECTION PROVISION OF THE CONSUMER FINANCIAL PROTECTION ACT OF 2010 Complaints, Investigations, Findings, and... Consumer Protection Act of 2010, Public Law 111-203, 124 Stat. 1376, 1955 (July 21, 2010), or any other...

14 CFR 298.30 - Public disclosure of policy on consumer protection.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 14 Aeronautics and Space 4 2010-01-01 2010-01-01 false Public disclosure of policy on consumer protection. 298.30 Section 298.30 Aeronautics and Space OFFICE OF THE SECRETARY, DEPARTMENT OF TRANSPORTATION... Limitations and Conditions on Exemptions and Operations § 298.30 Public disclosure of policy on consumer...

5 CFR 581.401 - Aggregate disposable earnings.

Code of Federal Regulations, 2010 CFR

2010-01-01

... garnishable under the Consumer Credit Protection Act for child support and/or alimony, are the obligor's... PROCESSING GARNISHMENT ORDERS FOR CHILD SUPPORT AND/OR ALIMONY Consumer Credit Protection Act Restrictions...

32 CFR 232.7 - Preemption.

Code of Federal Regulations, 2010 CFR

2010-07-01

... protection to a covered borrower greater than those protections provided by 10 U.S.C. 987 and this part. (b... of the State, or (2) Permit the violation or waiver of any State consumer lending protection that is... TERMS OF CONSUMER CREDIT EXTENDED TO SERVICE MEMBERS AND DEPENDENTS § 232.7 Preemption. (a) Inconsistent...

75 FR 64673 - Approval and Promulgation of Air Quality Implementation Plans; Delaware; Limiting Emissions of...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-20

... From Consumer Products AGENCY: Environmental Protection Agency (EPA). ACTION: Final rule. SUMMARY: EPA... revision amends existing Section 2.0--Consumer Products to Delaware's Regulation 1141 (formerly SIP... hours at the Air Protection Division, U.S. Environmental Protection Agency, Region III, 1650 Arch Street...

75 FR 10991 - National Consumer Protection Week, 2010

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-10

.... Their decisions have far-reaching effects for both their financial well-being and our Nation's economic stability. National Consumer Protection Week (NCPW) gives all Americans an opportunity to become better...

The Misunderstood Problem of Consumer Protection in Japan: The Roles of Lawyers and the Government.

ERIC Educational Resources Information Center

Waxman, Michael Peter

1995-01-01

Introduces the role of law and government in consumer protection in Japan. Suggests that recognition of cultural differences between U.S. and Japanese societies can provide insights that will stimulate the U.S. consumer movement to confront the anticonsumer structures in Japan while respecting their internal values. (Author/JOW)

Cybersecurity: Authoritative Reports and Resources

DTIC Science & Technology

2013-07-25

Breaches: Is Federal Legislation Needed to Protect Consumers ? July 18, 2013 Energy and Commerce Commerce , Manufacturing and Trade Evaluating Privacy...and Commerce Commerce , Manufacturing and Trade Reporting Data Breaches: Is Federal Legislation Needed to Protect Consumers ? July 18, 2013 Energy... Consumer Credit Cybersecurity: An Overview of Risks to Critical Infrastructure July 26, 2011 Energy and Commerce Oversight and Investigations

Cybersecurity: Authoritative Reports and Resources

DTIC Science & Technology

2013-04-17

Consumer Credit Cybersecurity: An Overview of Risks to Critical Infrastructure July 26, 2011 Energy and Commerce Oversight and Investigations...require greater protection for sensitive consumer data and timely notification in case of breach June 15, 2011 Energy and Commerce Commerce ...Financial Sector June 21, 2011 Commerce , Science and Transportation Privacy and Data Security: Protecting Consumers in the Modern World June 29, 2011

77 FR 21277 - Customer Clearing Documentation, Timing of Acceptance for Clearing, and Clearing Member Risk...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-09

... implement new statutory provisions enacted by Title VII of the Dodd-Frank Wall Street Reform and Consumer...-Frank Wall Street Reform and Consumer Protection Act (``Dodd-Frank Act'').\\1\\ Title VII of the Dodd... Commission (``SEC''). \\1\\ See Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203...

Your Credit Rights: An Instructional Unit on Consumer Credit Protection. Revised.

ERIC Educational Resources Information Center

Jensen, Barbara J.; And Others

This instructional guide adds two new sections to the original guide published in May 1982. The guide was designed to assist educators in teaching the topics of consumer credit and consumer credit protection to secondary and postsecondary students in various economics and business courses, as well as in adult and community education courses. The…

The Report of the Second National Conference on Consumer Protection in Postsecondary Education. Report No. 64.

ERIC Educational Resources Information Center

Education Commission of the States, Denver, CO.

The second National Conference on Consumer Protection in Postsecondary Education was a series of seminars on specific issues. The topics under discussion were (1) protecting the student financial interest; (2) student information needs and systems; (3) postsecondary education institutional responses; (4) regulations and safeguards; and (5) full…

76 FR 4489 - Disclosure for Asset-Backed Securities Required by Section 943 of the Dodd-Frank Wall Street...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-26

... Dodd-Frank Wall Street Reform and Consumer Protection Act AGENCY: Securities and Exchange Commission... Reform and Consumer Protection Act (the ``Act'') related to asset-backed securities (``ABS'').\\11... securities. The Act broadened the mission of the MSRB to include the protection of state and local...

[Good for your health? An analysis of the requirements for scientific substantiation in European health claims regulation].

PubMed

Todt, Oliver; Luján, José Luis

2016-06-01

To identify the various types of evidence, as well as their relative importance in European health claims regulation, in order to analyze the consequences for consumer protection of the requirements for scientific substantiation in this regulation. Qualitative analysis of various documents relevant to the regulatory process, particularly as to the implications of the standards of proof for the functional food market, as well as consumer behavior. European regulation defines a hierarchy of evidence that turns randomized controlled trials into a necessary and sufficient condition for health claim authorizations. Consumer protection can be interpreted in different manners. High standards of proof protect consumers from false information about the health outcomes of functional foods, while lower standards lead to more, albeit less accurate information about such outcomes being available to consumers.

76 FR 39341 - Modification of Treasury Regulations Pursuant to Section 939A of the Dodd-Frank Wall Street...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-06

... Reform and Consumer Protection Act requires each Federal agency to take such actions regarding its...(a) of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203 (124 Stat... Modification of Treasury Regulations Pursuant to Section 939A of the Dodd-Frank Wall Street Reform and Consumer...

A bill to amend the Consumer Financial Protection Act of 2010 to provide consumers with a free annual disclosure of information the Bureau of Consumer Financial Protection maintains on them, and for other purposes.

THOMAS, 113th Congress

Sen. Vitter, David [R-LA

2013-11-07

Senate - 11/07/2013 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Consumer bill of rights and responsibilities: report to the President of the United States. Advisory Commission on Consumer Protection and Quality in the Health Care Industry.

PubMed

1998-01-01

President Clinton appointed a 34-member Advisory Commission on Consumer Protection and Quality in the Healthcare Industry in 1997, and the group has adopted a statement of consumers' rights and responsibilities. The document addresses eight areas, including information disclosure on health plans, benefits, and qualifications of healthcare providers, choice of providers and plans, access to emergency services, patients' rights to participate in treatment decisions, mutual respect and nondiscrimination, confidentiality of health and personal information, complaints and the appeals process, and the responsibilities of consumers.

75 FR 66385 - Protecting Tenants at Foreclosure Act: Guidance on Notification Responsibilities Under the Act...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-28

... of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L. 111-203, approved July 21...-Frank Wall Street Reform and Consumer Protection Act also defined when ``date of notice of foreclosure... possession of the property. (Failure to foreclose and evict in accordance with this reasonable diligence time...

[METHODICAL APPROACHES, EXPERIENCE AND PERSPECTIVES OF THE IMPLEMENTATION OF THE RISK MODEL OF SURVEILLANCE ACTIVITIES IN THE SPHERE OF THE ASSURANCE OF SANITARY AND EPIDEMIOLOGICAL WELFARE OF POPULATION, POPULATION'S HEALTH RISK MANAGEMENT AND THE CONSUMER RIGHTS PROTECTION].

PubMed

Gurvich, V B; Kuz'min, S V; Dikonskaia, O V; Gileva, M A; Boiarskiĭ, A P

2015-01-01

Control and supervision measures--one of the main technologies of Federal Service for Supervision of Consumer Rights protection and Human Welfare in the overall system of risk management for public health and damage to property consumers, aimed at the solution of the prior tasks in the field of assurance of the sanitary and epidemiological welfare of the population and consumer rights protection. The effectiveness of this technology depends on the correct choice of priority objects of supervision, which form the main problems in the sanitary and epidemiological situation and in the consumer market. The application of is approach has led to more effective oversight activity and the improvement of a number of indices characterizing the achievement of the objectives in the common system of risk management for public health and property of consumers.

Consumer managed care appeals: are the available procedural protections fundamentally fair?

PubMed

Nevers, A H

2000-01-01

Managed care incentives to reduce costs have also resulted in incentives to deny care. Anecdotes concerning managed care denials of care have led to a consumer outcry for protection either through the use of procedural due process or by the establishment of patient rights that would include appeal and grievance protections. This Article reviews the procedural protections of constitutional due process, the Consumer Due Process Protocol, and the Patient Bill of Rights. The Article then extensively discusses the availability of these procedural protections in various public and private forums. The discussion of public forums includes proposals contained in recent national legislative initiatives. The author then reviews relevant federal and state law, as well as Uniform Law proposals. Next, the Article analyzes the protections provided by accreditation agencies, dispute resolution organizations, professional organizations, and health insurers. Finally, the author recommends criteria to be used to determine whether a procedure is fundamentally fair.

Credit-Card Bill Seeks to Protect Students but Could Limit Their Access to Credit

ERIC Educational Resources Information Center

Field, Kelly

2009-01-01

Congress passed legislation last week that would shield students and other consumers from sudden spikes in interest rates and fees, but that could make it harder for young people to access credit to pay for college. The legislation would extend broad new consumer protections to all credit-card holders, offering special protections to college…

76 FR 20067 - Self-Regulatory Organizations; EDGA Exchange, Inc.; Notice of Filing and Order Granting...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-11

... the Dodd-Frank Wall Street Reform and Consumer Protection Act April 5, 2011. Pursuant to Section 19(b... the Dodd-Frank Wall Street Reform and Consumer Protection Act (the ``Dodd-Frank Act''). The text of... the Act, particularly with respect to the protection of investors and the public interest. \\5\\ 15 U.S...

76 FR 20058 - Self-Regulatory Organizations; EDGX Exchange, Inc.; Notice of Filing and Order Granting...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-11

... the Dodd-Frank Wall Street Reform and Consumer Protection Act April 5, 2011. Pursuant to Section 19(b... the Dodd-Frank Wall Street Reform and Consumer Protection Act (the ``Dodd-Frank Act''). The text of... the Act, particularly with respect to the protection of investors and the public interest. \\5\\ 15 U.S...

[Light protection: principles of UV protection].

PubMed

Stege, H; Mang, R

2006-05-01

UV radiation is responsible for the induction of epithelial and melanocytic skin cancer, photoaging, and photodermatoses. UV protection is necessary to prevent damage caused by non-physiologic exposure. UV protection includes not only reduction of sun exposure but also use of sun protective filters, UV protective clothes, DNA repair enzymes, and antioxidant supplementation. Consumers are uncertain about the possibilities and limitations of commercial sun protection measures. Dermatologists must explain protective measures to the general public which continues to believe that UV-tanned skin is healthy. The sunscreen market is a highly competitive but lucrative market. The range of products with different designations and promises makes difficult for both consumers and dermatologists to determine what is sensible UV protection.

78 FR 28204 - Agency Information Collection Activities; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-14

... Delivery/Courier: Consumer Financial Protection Bureau (Attention: PRA Office), 1700 G Street NW... for additional information should be directed to the Consumer Financial Protection Bureau, (Attention.... They also contain rules about advertising deposit accounts and overdraft services. Regulation DD...

Minnesota Consumer Education Program. "Consumers of the 90s."

ERIC Educational Resources Information Center

Minnesota Council on Economic Education, Minneapolis.

This teacher's guide on consumer literacy for grades 9-12 is designed for use in the following subject areas: business education, consumer law, economics, home economics, and social studies. Four units are included: (1) consumer decision making--consumer law and protection; (2) major shopping areas--transportation dilemma; (3) housing; and (4)…

5 CFR 582.401 - Aggregate disposable earnings.

Code of Federal Regulations, 2010 CFR

2010-01-01

... COMMERCIAL GARNISHMENT OF FEDERAL EMPLOYEES' PAY Consumer Credit Protection Act Restrictions § 582.401 Aggregate disposable earnings. In accordance with the Consumer Credit Protection Act, the aggregate disposable earnings under this part are the employee-obligor's pay less those amounts excluded in accordance...

17 CFR 160.17 - Relation to state laws.

Code of Federal Regulations, 2010 CFR

2010-04-01

... protection such statute, regulation, order or interpretation affords any consumer is greater than the... Section 160.17 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION PRIVACY OF CONSUMER... the inconsistency. (b) Greater protection under state law. For purposes of this section, a state...

Professional Certification in Counseling Psychology.

ERIC Educational Resources Information Center

Fretz, Bruce R.; And Others

1980-01-01

Certification procedures protect consumers, but when licensing institutions become monopolistic, alternative paths to credentialing need to be considered. A series of articles examine third party payments, a changing job market and consumer protection concerns, all of which have had an impact on credentialing problems. (JAC)

A Bill to Amend the Intergovernmental Cooperation Act of 1968 to Improve . . . Strengthening of State and Local Offices of Consumer Protection. H.R. 2198. 95th Congress, 1st Session.

ERIC Educational Resources Information Center

Congress of the U.S., Washington, DC.

This U.S. House of Representatives bill (H.R. 2198), to be cited, if enacted, as the Intergovernmental Consumer Assistance Act, would add a new title to the Intergovernmental Cooperation Act of 1968: Title VII-Intergovernmental Cooperation with Respect to Consumer Assistance and Protection. The objective is to establish greater cooperation among…

The impact of the Consumer Protection Act on pharmacists.

PubMed

du Toit, K; van Eeden, E

2014-11-01

The Consumer Protection Act of 2008 has had far-reaching consequences for suppliers of goods and services in South Africa. The implementation of the Act has important implications for all suppliers who enter into 'consumer transactions.' This article aims to stimulate awareness of the legal consequences of the Act arising from day-to-day situations occurring in the pharmacy, and to highlight the compliance obligations that the Act creates for pharmacists.

How Can the Interests of United States Consumers Best Be Protected? National Debate Topic for High Schools, 1980-1981. Senate, Ninety-Sixth Congress, Second Session. High Schools, 1980-1981.

ERIC Educational Resources Information Center

Library of Congress, Washington, DC. Congressional Research Service.

This publication contains background readings on consumer affairs for students who are going to participate in the 1980-1981 national high school debate. The debate topic selected by the National Federation of State High School Associations is consumer protection. The three debate propositions are that the federal government should 1) initiate and…

12 CFR 40.17 - Relation to State laws.

Code of Federal Regulations, 2010 CFR

2010-01-01

... statute, regulation, order, or interpretation affords any consumer is greater than the protection provided... Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL.... (b) Greater protection under State law. For purposes of this section, a State statute, regulation...

The Role of Accreditation in Consumer Protection.

ERIC Educational Resources Information Center

Warner, W. Keith; Andersen, Kay J.

1982-01-01

Upper-level college administrators in the Western accreditation region were surveyed about how well the Western Association of Schools and Colleges (WASC) served its constituency. Questions concerned consumer protection as an objective of accreditation, emphasis on disseminating information about the accreditation process, and potential policy…

Consumer protection : Federal actions are needed to improve oversight of the household goods moving industry : report to congressional committees

DOT National Transportation Integrated Search

2001-03-01

The ICC Termination Act of 1995 transferred federal responsibilities for protecting consumers who move their household goods across state lines using commercial moving companies to the Department of Transportation. A 1998 congressional hearing brough...

76 FR 38059 - Defining Larger Participants in Certain Consumer Financial Products and Services Markets

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-29

... and Services Markets AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice and Request for... other markets for consumer financial products or services, the supervision program generally will apply... consumers and to the consumer financial markets.\\5\\ In implementing this supervision program, the CFPB may...

12 CFR 716.17 - Relation to state laws.

Code of Federal Regulations, 2010 CFR

2010-01-01

... if the protection such statute, regulation, order or interpretation affords any consumer is greater... CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 716.17 Relation to state laws. (a... extent of the inconsistency. (b) Greater protection under state law. For purposes of this section, a...

28 CFR 25.51 - Purpose and authority.

Code of Federal Regulations, 2010 CFR

2010-07-01

..., protect states and individual and commercial consumers from fraud, reduce the use of stolen vehicles for illicit purposes including fundraising for criminal enterprises, and provide consumer protection from... System (NMVTIS) in accordance with title 49 U.S.C. 30502. The purpose of NMVTIS is to assist in efforts...

Consumerism: The Past is Prologue

ERIC Educational Resources Information Center

Herrmann, Robert O.

1973-01-01

Without knowledge of past events, controversies, and historical figures we can have little appreciation of the forces that have shaped our history. In the area of consumer protection, this same historical perspective is required. Consumer protection requires a continuing effort, but it must be approached in an orderly fashion. (KP)

78 FR 75349 - Agency Information Collection Activities; Submission for OMB Review; Comment Request; Extension

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-11

... its shared enforcement authority with the Consumer Financial Protection Bureau (``CFPB'') for information collection requirements contained in the CFPB's Regulation O. That clearance expires on January 31... to Rebecca Unruh, Attorney, Division of Financial Practices, Bureau of Consumer Protection, Federal...

The Consumer Protection Clinical Course at UCLA School of Law

ERIC Educational Resources Information Center

Bergman, Paul

1978-01-01

The Consumer Protection clinical course, in which case supervision is provided by government agency personnel, is described. Implications are considered regarding the necessity and emphasis of a seminar component, and the usefulness of clinical courses in teaching substantive law as well as lawyering skills. (LBH)

77 FR 28604 - Agency Information Collection Activities; Proposed Collection; Comment Request; Guidance for...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-15

... Approved Application as Required by the Dietary Supplement and Nonprescription Drug Consumer Protection Act... Dietary Supplement and Nonprescription Drug Consumer Protection Act.'' DATES: Submit either electronic or... Nonprescription Human Drug Products Marketed Without an Approved Application as Required by the Dietary Supplement...

5 CFR 9401.102 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... than the employee or the employee's spouse or dependent child; or a right as a beneficiary of an estate... Administrative Personnel BUREAU OF CONSUMER FINANCIAL PROTECTION SUPPLEMENTAL STANDARDS OF ETHICAL CONDUCT FOR EMPLOYEES OF THE BUREAU OF CONSUMER FINANCIAL PROTECTION § 9401.102 Definitions. For purposes of this part...

77 FR 77187 - Electronic Fund Transfers (Regulation E)

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-31

... section 1073 of the Dodd-Frank Wall Street Reform and Consumer Protection Act regarding remittance.... SUPPLEMENTARY INFORMATION: I. Overview Section 1073 of the Dodd-Frank Wall Street Reform and Consumer Protection... providers, section 1073 creates a new EFTA section 919, and generally requires: (i) The provision of...

78 FR 26101 - Advisory Committee for Aviation Consumer Protection

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-03

... and enforcement initiatives affecting consumer protection in air travel. The meeting will also address privacy of personally identifiable information collected in connection with the purchase of air travel from airlines and travel agents. Issues to be addressed are: what information is collected and by whom...

78 FR 6407 - Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-30

...The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z, which implements the Truth in Lending Act (TILA). Regulation Z currently prohibits a creditor from making a higher-priced mortgage loan without regard to the consumer's ability to repay the loan. The final rule implements sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), which generally require creditors to make a reasonable, good faith determination of a consumer's ability to repay any consumer credit transaction secured by a dwelling (excluding an open-end credit plan, timeshare plan, reverse mortgage, or temporary loan) and establishes certain protections from liability under this requirement for ``qualified mortgages.'' The final rule also implements section 1414 of the Dodd-Frank Act, which limits prepayment penalties. Finally, the final rule requires creditors to retain evidence of compliance with the rule for three years after a covered loan is consummated.

[Complaints by private health insurance policy-holders to the Consumer Protection Bureau in Argentina, 2000-2008].

PubMed

Luzuriaga, María José; Spinelli, Hugo

2014-05-01

This paper analyzes problems experienced by policy-holders of voluntary private health insurance plans in Argentina when insurance companies fail to comply with the Consumer Protection Code. The sample consisted of consumer complaints filed with the Consumer Protection Bureau and rulings by the Bureau from 2000 to 2008. One striking issue was recurrent non-compliance with services included in the Mandatory Medical Program and the companies' attempts to blame policy-holders. According to the study, the lack of an information system hinders scientific studies to adequately address the problem. Thus, a comparison with studies on health insurance in other Latin American countries highlighted the importance of such research, the relationship to health systems, constraints on use and denial of citizens' rights to healthcare, and the increasing judicialization of healthcare provision.

All-Terrain Vehicles. Hearing before the Subcommittee on Commerce, Consumer Protection, and Competitiveness of the Committee on Energy and Commerce. House of Representatives, One Hundredth Congress, First Session.

ERIC Educational Resources Information Center

Congress of the U.S., Washington, DC. House Committee on Energy and Commerce.

As part of a review of the operation of the Consumer Product Safety Commission (CPSC), a hearing was held to receive testimony concerning the safety of all-terrain vehicles (ATVs) and recommendations for protection of consumers who purchase them. Of particular interest was the question of whether the Commission, due to budget cuts or reliance on…

Consumer Credit Counseling Services: The Need for Reform and Some Proposals for Change.

ERIC Educational Resources Information Center

Gardner, Stephen

2002-01-01

Describes the concerns of consumer advocates regarding consumers with debt problems, the deceptive practices of some credit counseling services, and the accuracy of their advice. Recommends changes in credit counseling services and protections for consumers using them. (JOW)

12 CFR 573.15 - Other exceptions to notice and opt out requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... et seq.), or (ii) From a consumer report reported by a consumer reporting agency; (6) In connection... PRIVACY OF CONSUMER FINANCIAL INFORMATION Exceptions § 573.15 Other exceptions to notice and opt out... consumer, provided that the consumer has not revoked the consent or direction; (2)(i) To protect the...

12 CFR Appendix A to Part 343 - Consumer Grievance Process

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 4 2011-01-01 2011-01-01 false Consumer Grievance Process A Appendix A to Part... POLICY CONSUMER PROTECTION IN SALES OF INSURANCE Pt. 343, App. A Appendix A to Part 343—Consumer Grievance Process Any consumer who believes that any bank or any other person selling, soliciting...

14 CFR 374.1 - Purpose.

Code of Federal Regulations, 2010 CFR

2010-01-01

... REGULATIONS IMPLEMENTATION OF THE CONSUMER CREDIT PROTECTION ACT WITH RESPECT TO AIR CARRIERS AND FOREIGN AIR CARRIERS § 374.1 Purpose. The purpose of this part is to state the Department of Transportation's... the Consumer Credit Protection Act and Regulations B and Z of the Board of Governors of the Federal...

75 FR 34671 - Approval and Promulgation of Air Quality Implementation Plans; Delaware; Limiting Emissions of...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-18

... From Consumer Products AGENCY: Environmental Protection Agency (EPA). ACTION: Proposed rule. SUMMARY....0--Consumer Products to Delaware's Regulation 1141 (formerly SIP Regulation No. 41)--Limiting... Fernandez, Office of Air Program Planning, Mailcode 3AP30, U.S. Environmental Protection Agency, Region III...

12 CFR 216.17 - Relation to State laws.

Code of Federal Regulations, 2010 CFR

2010-01-01

... this part if the protection such statute, regulation, order, or interpretation affords any consumer is... CONSUMER FINANCIAL INFORMATION (REGULATION P) Relation to Other Laws; Effective Date § 216.17 Relation to... only to the extent of the inconsistency. (b) Greater protection under State law. For purposes of this...

78 FR 52909 - Consumer Financial Protection Bureau Notice of Availability of Final Environmental Assessment...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-27

...: [email protected] . Mail/Hand Delivery/Courier: Michael Davis, Project Manager, Consumer Financial... application of best management practices (BMP) to minimize short term air quality and noise impact during... of Final Environmental Assessment (FINAL EA) and a Finding of No Significant Impact (FONSI) for...

Registered Charitable Organizations and Paid Solicitors

Science.gov Websites

Alaska Department of Law logo Alaska Department of Law Consumer Protection Unit Search Search the Department of Law's site LAW State of Alaska LAW Home About & Contact Administrative Services Division Consumer Protection LAW Resources Alaska Statutes & Regulations Alaska Constitution Regulations

77 FR 35659 - Request for Information Regarding Complaints From Private Education Loan Borrowers

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-14

... Regarding Complaints From Private Education Loan Borrowers AGENCY: Bureau of Consumer Financial Protection... and Consumer Protection Act of 2010 (Dodd-Frank Act) established a Private Education Loan Ombudsman... borrowers of private education loans. Among other things, the Dodd-Frank Act directs the Ombudsman to...

[Legislative and legal security of supervisory activities in the sphere of protection of consumers' rights and human well-being].

PubMed

Rumiantsev, G I; Kutsenko, G I; Polesskiĭ, V A

2007-01-01

Sanitary legislation plays an important role in supervisory activities ensuring the protection of consumers' rights and human well-being. The paper considers the basic laws and standard acts allowing for legal regulation in this sphere of activities.

78 FR 49365 - Electronic Fund Transfers (Regulation E); Correction

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-14

... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1005 [Docket No. CFPB-2012-0050] RIN 3170-AA33 Electronic Fund Transfers (Regulation E); Correction AGENCY: Bureau of Consumer Financial Protection. ACTION... 2013 Final Rule, which along with three other final rules \\1\\ implements the Electronic Fund Transfer...

78 FR 68150 - Agency Information Collection Activities: Information Collection Renewal; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-13

... information collection unless it displays a currently valid Office of Management and Budget (OMB) control..., ``Record and Disclosure Requirements--Consumer Financial Protection Bureau Regulations B, C, E, M, Z, and... Requirements--Consumer Financial Protection Bureau (CFPB) Regulations B, C, E, M, Z, and DD and Board of...

16 CFR 1204.4 - Electric shock protection tests.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 16 Commercial Practices 2 2010-01-01 2010-01-01 false Electric shock protection tests. 1204.4 Section 1204.4 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT... the cable shall be between 28 and 29 feet (8.5 to 8.8 meters) above a horizontal plane through the...

Consumer Protection in Managed Care: A Third-Generation Approach.

ERIC Educational Resources Information Center

Rother, John

1996-01-01

Discusses three generations of consumer protection issues related to managed care: (1) individual treatment decisions--individuals wanting treatment their plan does not cover or deems unnecessary; (2) insurance practices and risk selection--impact of health management organizations on the rest of the health insurance system; and (3) health plan…

77 FR 57566 - Announcement of Public Meeting on the Consumer Confidence Report (CCR) Rule Retrospective Review...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-09-18

... ENVIRONMENTAL PROTECTION AGENCY [EPA-HQ-OW-2012-0035; FRL-9730-7] Announcement of Public Meeting on the Consumer Confidence Report (CCR) Rule Retrospective Review and Request for Public Comment on Potential Approaches to Electronic Delivery of the CCR; Correction AGENCY: Environmental Protection Agency...

75 FR 80367 - Share Insurance and Appendix

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-22

.... SUMMARY: Section 343 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) \\1... were transferred prior to the time of failure. For example, if pursuant to an agreement between an... Accounts In accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act, through December...

Law and the Consumer.

ERIC Educational Resources Information Center

Idleman, Hillis K.

One of eleven modules developed for secondary school consumer education, this document emphasizes the need of the consumer, especially the disadvantaged consumer, to understand the law and the protection it can offer. The material is presented in three columns: understandings (usually formulated as questions followed by commentary), suggested…

78 FR 12141 - Proposed Agency Information Collection Activities; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-21

... Bureau to monitor consumers' behavior--specifically, consumer use of deposit accounts as transactional... of Consumer Financial Protection (Bureau), and state supervisors of banks and savings associations... consumer customers compared to business customers, and [cir] For those institutions with $1 billion or more...

Participatory action research designs in applied disability and rehabilitation science: protecting against threats to social validity.

PubMed

Seekins, Tom; White, Glen W

2013-01-01

Researchers and disability advocates have been debating consumer involvement in disability and rehabilitation science since at least 1972. Despite the length of this debate, much confusion remains. Consumer involvement may represent a spirit of democracy or even empowerment, but as a tool of science, it is necessary to understand how to judge its application. To realize consumer involvement as a design element in science, researchers need a framework for understanding how it can contribute to the scientific process. The thesis of this article is that a primary scientific function of consumer involvement is to reduce threats to the social validity of research, the extent to which those expected to use or benefit from research products judge them as useful and actually use them. Social validity has traditionally not been treated with the same rigor as concerns for internal and external validity. This article presents a framework that describes 7 threats to social validity and explains how 15 forms of consumer involvement protect against those threats. We also suggest procedures for reporting and reviewing consumer involvement in proposals and manuscripts. This framework offers tools familiar to all scientists for identifying threats to the quality of research, and for judging the effectiveness of strategies for protecting against those threats. It may also enhance the standing of consumer involvement strategies as tools for protecting research quality by organizing them in a way that allows for systematic criticism of their effectiveness and subsequent improvement. Copyright © 2013 American Congress of Rehabilitation Medicine. Published by Elsevier Inc. All rights reserved.

Consumer Health.

ERIC Educational Resources Information Center

Cornacchia, Harold J.

Consumer health refers to the potential or actual impact upon the consumer, individually or collectively, of any substances, devices, services, or systems that are offered for the supposed purpose of protecting, preserving, or restoring physical or mental health. This book is an effort to help the consumer to choose intelligently in spending for…

12 CFR 1005.6 - Liability of consumer for unauthorized transfers.

Code of Federal Regulations, 2012 CFR

2012-01-01

... transfers. 1005.6 Section 1005.6 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION ELECTRONIC FUND TRANSFERS (REGULATION E) § 1005.6 Liability of consumer for unauthorized transfers. (a) Conditions for..., for an unauthorized electronic fund transfer involving the consumer's account only if the financial...

12 CFR Appendix A to Part 14 - Consumer Grievance Process

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Consumer Grievance Process A Appendix A to Part 14 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN SALES OF INSURANCE Pt. 14, App. A Appendix A to Part 14—Consumer Grievance Process Any consumer who...

12 CFR Appendix A to Part 536 - Consumer Grievance Process

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Consumer Grievance Process A Appendix A to Part 536 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN SALES OF INSURANCE Pt. 536, App. A Appendix A to Part 536—Consumer Grievance Process Any consumer who...

12 CFR Appendix A to Part 14 - Consumer Grievance Process

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Consumer Grievance Process A Appendix A to Part 14 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN SALES OF INSURANCE Pt. 14, App. A Appendix A to Part 14—Consumer Grievance Process Any consumer who...

76 FR 12817 - National Consumer Protection Week, 2011

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-09

... abusive companies accountable and shifting the balance of power back to the American consumer. I was proud... the knowledge to manage their finances more effectively by visiting www.MyMoney.gov and www.Consumer...

16 CFR 1.71 - Administration.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Credit Reporting Act (Title VI of the Consumer Credit Protection Act of 1968; enacted October 26, 1970; Pub. L. 91-508, 82 Stat. 146, 15 U.S.C. 1601 et seq.) is carried out by the Bureau of Consumer Protection, Division of Credit Practices. Any interested person may obtain copies of the Act and these...

A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act.

THOMAS, 113th Congress

Sen. Collins, Susan M. [R-ME

2014-03-10

Senate - 03/11/2014 Committee on Banking, Housing, and Urban Affairs Subcommittee on Financial Institutions and Consumer Protection. Hearings held. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

40 CFR 80.33 - Controls applicable to natural gas retailers and wholesale purchaser-consumers.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 40 Protection of Environment 17 2014-07-01 2014-07-01 false Controls applicable to natural gas... PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) REGULATION OF FUELS AND FUEL ADDITIVES Controls and Prohibitions § 80.33 Controls applicable to natural gas retailers and wholesale purchaser-consumers. (a) After...

40 CFR 80.33 - Controls applicable to natural gas retailers and wholesale purchaser-consumers.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 40 Protection of Environment 17 2013-07-01 2013-07-01 false Controls applicable to natural gas... PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) REGULATION OF FUELS AND FUEL ADDITIVES Controls and Prohibitions § 80.33 Controls applicable to natural gas retailers and wholesale purchaser-consumers. (a) After...

40 CFR 80.33 - Controls applicable to natural gas retailers and wholesale purchaser-consumers.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 40 Protection of Environment 17 2012-07-01 2012-07-01 false Controls applicable to natural gas... PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) REGULATION OF FUELS AND FUEL ADDITIVES Controls and Prohibitions § 80.33 Controls applicable to natural gas retailers and wholesale purchaser-consumers. (a) After...

77 FR 25371 - Transportation of Household Goods in Interstate Commerce; Consumer Protection Regulations...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-30

... services when the shipper agrees to release the carrier from full liability for potential loss and damage... implemented a congressional directive to enhance consumer protection in cases of loss or damage that occur... the estimates they provide to prospective shippers: WARNING: If a moving company loses or damages your...

75 FR 44004 - Notice of Submission of Proposed Information Collection to OMB Emergency Comment Request; Notice...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-07-27

... for Public Comment on Assessment of Consumer Protection Gaps for Home Equity Conversion Mortgage... Assessment of Consumer Protection Gaps for Home Equity Conversion Mortgage Borrowers. OMB Control Number... collection. A twenty-minute phone survey will be conduced among 600 Home Equity Conversion Mortgage (HECM...

3 CFR 8347 - Proclamation 8347 of February 27, 2009. National Consumer Protection Week, 2009

Code of Federal Regulations, 2010 CFR

2010-01-01

... choices about saving, investing, and spending their hard-earned money. Whether selecting a mortgage... save time and money. As part of National Consumer Protection Week, the Federal Trade Commission has..., businesses, and Government can strengthen our robust free market for the benefit of all Americans. NOW...

76 FR 81019 - Electronic Fund Transfers (Regulation E)

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-27

... public comment. SUMMARY: Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd... CFR Part 205. The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) \\1...,'' because it was designed to be informational only and is unnecessary for the implementation of the EFTA, as...

3 CFR 8493 - Proclamation 8493 of April 2, 2010. National Financial Literacy Month, 2010

Code of Federal Regulations, 2011 CFR

2011-01-01

... complex. This has left too many Americans behind, unable to build a secure financial future for themselves... never happens again will require new rules to protect consumers and better information to empower them. The new Consumer Financial Protection Agency I have proposed will ensure ordinary Americans get clear...

Effect of foods and Mediterranean diet during pregnancy and first years of life on wheezing, rhinitis and dermatitis in preschoolers.

PubMed

Castro-Rodriguez, J A; Ramirez-Hernandez, M; Padilla, O; Pacheco-Gonzalez, R M; Pérez-Fernández, V; Garcia-Marcos, L

2016-01-01

There is a conflictive position if some foods and Mediterranean diet (MedDiet) consumed by the mother during pregnancy and by the child during the first years of life can be protective for current wheezing, rhinitis and dermatitis at preschool age. Questionnaires of epidemiological factors and food intake by the mother during pregnancy and later by the child were filled in by parents in two surveys at two different time points (1.5 yrs and 4 yrs of life) in 1000 preschoolers. The prevalences of current wheezing, rhinitis and dermatitis were 18.8%, 10.4%, and 17.2%, respectively. After multiple logistic analysis children who were low fruit consumers (never/occasionally) and high fast-food consumers (≥3 times/week) had a higher risk for current wheezing; while intermediate consumption of meat (1 or 2 times/week) and low of pasta by mothers in pregnancy were protected. For current rhinitis, low fruit consumer children were at higher risk; while those consuming meat <3 times/week were protected. For current dermatitis, high fast food consumption by mothers in pregnancy; and low or high consumption of fruit, and high of potatoes in children were associated to higher prevalence. Children consuming fast food >1 times/week were protected for dermatitis. MedDiet adherence by mother and child did not remain a protective factor for any outcome. Low consumption of fruits and high of meat by the child, and high consumption of potatoes and pasta by the mother had a negative effect on wheezing, rhinitis or dermatitis; while fast food consumption was inconsistent. Copyright © 2016 SEICAP. Published by Elsevier España, S.L.U. All rights reserved.

12 CFR 1005.6 - Liability of consumer for unauthorized transfers.

Code of Federal Regulations, 2014 CFR

2014-01-01

... transfers. 1005.6 Section 1005.6 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION ELECTRONIC FUND TRANSFERS (REGULATION E) General § 1005.6 Liability of consumer for unauthorized transfers. (a) Conditions... this section, for an unauthorized electronic fund transfer involving the consumer's account only if the...

Finding the Public in Consumer Research: A Reply to Ward.

ERIC Educational Resources Information Center

August, William; Charren, Peggy

1984-01-01

Discusses Ward's analysis of letters sent to the Federal Trade Commission about children's advertising. Advocates that public opinion research concerning consumer protection issues should include information on the degree to which consumers are informed of their fundamental rights with respect to the consumer issues being studied. (CB)

77 FR 4322 - Agency Information Collection Activities: Announcement of Board Approval Under Delegated...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-01-27

... statements of activity, the consumer's potential liability for unauthorized transfers, and error resolution... transfers to or from a consumer's account. Current Actions: On May 23, 2011, the Federal Reserve published a... proposal contained new protections for consumers who send remittance transfers to other consumers or...

14 CFR 259.7 - Response to consumer problems.

Code of Federal Regulations, 2010 CFR

2010-01-01

... PROCEEDINGS) ECONOMIC REGULATIONS ENHANCED PROTECTIONS FOR AIRLINE PASSENGERS § 259.7 Response to consumer... 14 Aeronautics and Space 4 2010-01-01 2010-01-01 false Response to consumer problems. 259.7... flights to cancel and which will be delayed the longest. (b) Informing consumers how to complain. Each...

75 FR 63183 - Notice of Meeting of the Consumer Advisory Council

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-14

... in Lending Act, to enhance consumer protection and improve disclosures for reverse mortgage... FEDERAL RESERVE SYSTEM Notice of Meeting of the Consumer Advisory Council The Consumer Advisory..., will take place at the Federal Reserve Board's offices in Washington, DC, in Dining Room E on the...

A Consumer's Guide to the Federal Trade Commission.

ERIC Educational Resources Information Center

Williams, Elizabeth

This publication presents consumer information designed to encourage and facilitate active citizen involvement in Federal Trade Commission (FTC) proceedings. Nine chapters are included, covering (1) the FTC and its impact on consumers (discusses the authority of FTC, the Bureau of Competition, the Bureau of Consumer Protection, and lists FTC…

Consumer Citizenship Curriculum Guides for Social Studies, English, Science, Mathematics.

ERIC Educational Resources Information Center

MacKenzie, Louise; Smith, Alice

These four consumer citizenship curriculum guides for social studies, English, science, and mathematics incorporate consumer education into these subject matter areas in grades 8-12. Each guide is organized around 10 main component/goals. They are basic economics in the marketplace, credit, consumer law/protection, banking skills, comparison…

12 CFR 561.12 - Consumer credit.

Code of Federal Regulations, 2010 CFR

2010-01-01

...; loans in the nature of overdraft protection; and credit extended in connection with credit cards. ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Consumer credit. 561.12 Section 561.12 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.12 Consumer credit. The term consumer credit means credit extended...

75 FR 37436 - Agency Information Collection Activities; Proposed Collection; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-29

... uses a consumer report in order to make an unsolicited firm offer of credit or insurance to the...) information contained in the consumer's consumer report was used in connection with the transaction; (B) the... Protction, Bureau of Consumer Protection, Federal Trade Commission, 600 Pennsylvania Avenue, N.W...

12 CFR 1005.6 - Liability of consumer for unauthorized transfers.

Code of Federal Regulations, 2013 CFR

2013-01-01

... transfers. 1005.6 Section 1005.6 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION ELECTRONIC FUND TRANSFERS (REGULATION E) General § 1005.6 Liability of consumer for unauthorized transfers. (a) Conditions... this section, for an unauthorized electronic fund transfer involving the consumer's account only if the...

POISON POLITICS: A Contentious History of Consumer Protection Against Dangerous Household Chemicals in the United States

PubMed Central

Benrubi, Isidore Daniel

2013-01-01

The history of consumer protection against household poisons presents a key case study of the uniquely American struggle to balance public health and safety with the interests of business. By the late 19th century, package designs, warning labels, and state statutes had formed an uneven patchwork of protective mechanisms against accidental poisonings. As household chemicals proliferated in the early 20th century, physicians concerned with childhood poisonings pressured the federal government to enact legislation mandating warning labels on packaging for these substances. Manufacturers of household chemicals agreed to labeling requirements for caustic poisons but resisted broader regulation. Accidental poisonings of children continued to increase until the enactment of broad labeling and packaging legislation in the 1960s and 1970s. This history suggests that voluntary agreements between government agencies and manufacturers are inadequate to protect consumers against household poisonings and that, in the United States, protective household chemical regulation proceeds in a reactive rather than a precautionary manner. PMID:23488510

Poison politics: a contentious history of consumer protection against dangerous household chemicals in the United States.

PubMed

Jones, Marian Moser; Benrubi, Isidore Daniel

2013-05-01

The history of consumer protection against household poisons presents a key case study of the uniquely American struggle to balance public health and safety with the interests of business. By the late 19th century, package designs, warning labels, and state statutes had formed an uneven patchwork of protective mechanisms against accidental poisonings. As household chemicals proliferated in the early 20th century, physicians concerned with childhood poisonings pressured the federal government to enact legislation mandating warning labels on packaging for these substances. Manufacturers of household chemicals agreed to labeling requirements for caustic poisons but resisted broader regulation. Accidental poisonings of children continued to increase until the enactment of broad labeling and packaging legislation in the 1960s and 1970s. This history suggests that voluntary agreements between government agencies and manufacturers are inadequate to protect consumers against household poisonings and that, in the United States, protective household chemical regulation proceeds in a reactive rather than a precautionary manner.

900 Numbers: A Controversial Industry.

ERIC Educational Resources Information Center

Galvez, Nancy D.

1992-01-01

Pay-per-call telephone services through 900 numbers have given rise to criticism of their content and complaints of consumer fraud. The Federal Communications Commission, legislative initiatives, industry self-regulation, and consumer educators are attempting to protect consumers. (SK)

The role of usability in the evaluation of accidents: human error or design flaw?

PubMed

Correia, Walter; Soares, Marcelo; Barros, Marina; Campos, Fábio

2012-01-01

This article aims to highlight the role of consumer products companies in the heart and the extent of accidents involving these types of products, and as such undesired events take part as an agent in influencing decision making for the purchase of a product that nature on the part of consumers and users. The article demonstrates, by reference, interviews and case studies such as the development of poorly designed products and design errors of design can influence the usage behavior of users, thus leading to accidents, and also negatively affect the next image of a company. The full explanation of these types of questions aims to raise awareness, plan on a reliable usability, users and consumers in general about the safe use of consumer products, and also safeguard their rights before a legal system of consumer protection, even far away by the CDC--Code of Consumer Protection.

Consumer protection and managed care: the need for organized consumers.

PubMed

Rodwin, M A

1996-01-01

Despite its many advantages, managed care creates new problems for consumers. Activists have proposed four types of remedies: (1) increased information and choice; (2) standards for services and marketing; (3) administrative oversight; and (4) procedural due process for complaints. Each approach offers some benefits, but they are insufficient to cope with consumer problems. What is lacking is effective, organized consumer advocacy.

The Report of the National Invitational Conference on Consumer Protection in Postsecondary Education. Report No. 53.

ERIC Educational Resources Information Center

Education Commission of the States, Denver, CO.

This report covers the background, major issues, major recommendations, and agencies and associations represented at the National Invitational Conference on Consumer Protection in Postsecondary Education held at Denver, Colorado in June 1974. Major recommendations of the conference suggest that: (1) The states should provide by legislation or by…

76 FR 78121 - Fair Debt Collection Practices Act (Regulation F)

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-16

... of Consumer Financial Protection (Bureau), effective July 21, 2011.\\4\\ See sections 1061 and 1089 of... 1029 of the Consumer Financial Protection Act of 2010. Public Law 111-203, section 1089(4); 15 U.S.C... provision for enforcement.\\9\\ \\9\\ Public Law 111-203, section 1089(1); 15 U.S.C. 1692o. B. Authority To...

12 CFR 1016.4 - Initial privacy notice to consumers required.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Initial privacy notice to consumers required. 1016.4 Section 1016.4 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Privacy and Opt Out Notices § 1016.4 Initial privacy notice to...

12 CFR Appendix A to Part 536 - Consumer Grievance Process

Code of Federal Regulations, 2013 CFR

2013-01-01

..., or telephone 202-906-6237 or 800-842-6929, or e-mail consumer.complaint@ots.treas.gov. ... 12 Banks and Banking 6 2013-01-01 2012-01-01 true Consumer Grievance Process A Appendix A to Part 536 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN...

12 CFR Appendix A to Part 536 - Consumer Grievance Process

Code of Federal Regulations, 2011 CFR

2011-01-01

..., or telephone 202-906-6237 or 800-842-6929, or e-mail consumer.complaint@ots.treas.gov. ... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Consumer Grievance Process A Appendix A to Part 536 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN...

12 CFR Appendix A to Part 536 - Consumer Grievance Process

Code of Federal Regulations, 2012 CFR

2012-01-01

..., or telephone 202-906-6237 or 800-842-6929, or e-mail consumer.complaint@ots.treas.gov. ... 12 Banks and Banking 6 2012-01-01 2012-01-01 false Consumer Grievance Process A Appendix A to Part 536 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN...

12 CFR Appendix A to Part 536 - Consumer Grievance Process

Code of Federal Regulations, 2014 CFR

2014-01-01

..., or telephone 202-906-6237 or 800-842-6929, or e-mail consumer.complaint@ots.treas.gov. ... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Consumer Grievance Process A Appendix A to Part 536 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN...

16 CFR 1402.2 - Background.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS CB BASE STATION... electrocutions which have occurred when consumers contacted powerlines with CB base station and outside TV... help protect the public against the unreasonable risk of injury associated with CB base station...

Food allergen law and the Food Allergen Labeling and Consumer Protection Act of 2004: falling short of true protection for food allergy sufferers.

PubMed

Roses, Jonathan B

2011-01-01

In 2004, Congress mandated labeling of food allergens on packaged foods for the first time by passing the Food Allergen Labeling and Consumer Protection Act (FALCPA). FALCPA requires that manufacturers of foods containing one of the eight major allergens responsible for 90 percent of food allergies either state on the food's packaging that the food contains the allergen, or refers to the allergen by a name easily understandable by consumers in the ingredients listing. Despite this important first step in protecting consumers with food allergies, FALCPA left unregulated the use of conditional precautionary statements (e.g., "may contain [allergen]"), which many manufacturers have used as a low-cost shield to liability. Further, FALCPA applies only to packaged foods, and does not mandate listing of food allergen ingredients in restaurants. This article discusses the history of food allergen litigation in the United States, highlighting the problems plaintiffs have faced in seeking recovery for allergic reactions to a defendants' food product, and some of the practical difficulties still extant due to the lack of regulation of precautionary statements. Also presented is a review of the Massachusetts Food Allergy Awareness Act, the first state legislation requiring restaurants to take an active role in educating employees and consumers about the presence and dangers of food allergens.

78 FR 73383 - Defining Larger Participants of the Student Loan Servicing Market

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-06

...The Bureau of Consumer Financial Protection (Bureau or CFPB) amends the regulation defining larger participants of certain consumer financial product and service markets by adding a new section to define larger participants of a market for student loan servicing. The Bureau is issuing the final rule pursuant to its authority, under the Dodd- Frank Wall Street Reform and Consumer Protection Act, to supervise certain nonbank covered persons for compliance with Federal consumer financial law and for other purposes. The Bureau has the authority to supervise nonbank covered persons of all sizes in the residential mortgage, private education lending, and payday lending markets. In addition, the Bureau has the authority to supervise nonbank ``larger participant[s]'' of markets for other consumer financial products or services, as the Bureau defines by rule. Rules defining larger participants of a market for consumer reporting and larger participants of a market for consumer debt collection were published in the Federal Register on July 20, 2012 (Consumer Reporting Rule) and October 31, 2012 (Consumer Debt Collection Rule). This final rule identifies a market for student loan servicing and defines ``larger participants'' of this market that are subject to the Bureau's supervisory authority.

Application of consumer protection authority in preventing tobacco sales to minors.

PubMed

Krevor, B S; Lieberman, A; Gerlach, K

2002-06-01

In the USA, the enforcement of state sales of tobacco products to minors laws has had only limited impact upon reducing youth access. The application of consumer protection authorities by state attorneys general to alter the sales and promotion practices of tobacco retailers provides a complementary and highly leveraged strategy to increase compliance with tobacco sales to minors laws.

Southwest Border Food Safety and Defense Center: Creative Ideas for Promoting Food Safety and Food Protection

ERIC Educational Resources Information Center

Koukel, Sonja

2015-01-01

Foodborne illness has a significant impact on public health and consumer confidence in the U.S. The Southwest Border Food Safety and Defense Center was established to provide educational programs, trainings, and workshops to address the health and well-being of consumers as it relates to food safety and food protection. A partnership between New…

75 FR 12715 - Notice of Intent To Request Public Comments

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-17

... Notice 2016 682 FCRA Rules - Disposal of Consumer Report Information and Records 2016 312 Children's... Prohibitions Concerning Franchising 2018 641 FCRA Rules - Duties of Users of Consumer Reports Regarding Address... Commission, Bureau of Consumer Protection, Division of Enforcement, 600 [[Page 12716

An Investigation of Circumstances Affecting Consumer Behavioral Intentions to Use Telemedicine Technology: An Interpretative Phenomenological Study

ERIC Educational Resources Information Center

Cutts, Haywood

2017-01-01

Concerns related to the protection of personal identification information, graphic user interface, patient privacy, and consumer acceptance, to name a few, have plagued the implementation of telemedicine. Advocates of telemedicine have gained the interests of consumers but failed to recognize the true nature of consumer attitudes towards the use…

12 CFR Appendix K to Part 1022 - Summary of Consumer Rights

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Summary of Consumer Rights K Appendix K to Part 1022 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Pt. 1022, App. K Appendix K to Part 1022—Summary of Consumer Rights The prescribed form for this summary is...

12 CFR Appendix K to Part 1022 - Summary of Consumer Rights

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Summary of Consumer Rights K Appendix K to Part 1022 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Pt. 1022, App. K Appendix K to Part 1022—Summary of Consumer Rights The prescribed form for this summary is...

12 CFR Appendix K to Part 1022 - Summary of Consumer Rights

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Summary of Consumer Rights K Appendix K to Part 1022 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Pt. 1022, App. K Appendix K to Part 1022—Summary of Consumer Rights The prescribed form for this summary is...

12 CFR Appendix I to Part 1022 - Summary of Consumer Identity Theft Rights

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Summary of Consumer Identity Theft Rights I Appendix I to Part 1022 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Pt. 1022, App. I Appendix I to Part 1022—Summary of Consumer Identity Theft Rights The...

12 CFR Appendix I to Part 1022 - Summary of Consumer Identity Theft Rights

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Summary of Consumer Identity Theft Rights I Appendix I to Part 1022 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Pt. 1022, App. I Appendix I to Part 1022—Summary of Consumer Identity Theft Rights The...

12 CFR Appendix I to Part 1022 - Summary of Consumer Identity Theft Rights

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Summary of Consumer Identity Theft Rights I Appendix I to Part 1022 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Pt. 1022, App. I Appendix I to Part 1022—Summary of Consumer Identity Theft Rights The...

I don't think we've quite got there yet: The experience of allyship for mental health consumer researchers.

PubMed

Happell, Brenda; Scholz, Brett; Gordon, Sarah; Bocking, Julia; Ellis, Pete; Roper, Cath; Liggins, Jackie; Platania-Phung, Chris

2018-06-12

Australia and New Zealand mental health policy requires consumer participation in all aspects of mental health services. Systemic participation informs and improves the quality of mental health services. Collaboration with consumer researchers should be similarly required. Enhanced understandings of collaborations are needed. To enhance understanding of the perspectives and experiences of nonconsumer researchers in working collaboratively with consumers as researchers. This qualitative exploratory study involved interviews with non-consumer mental health researchers who have worked collaboratively with consumers in research. Interviews were conducted with participants from Australia and New Zealand. 'Allyship' emerged as a major theme. This describes non-consumer researchers playing an actively supportive role to facilitate opportunities for the development and growth of consumer research roles and activities. Seven sub-themes were identified: establishing and supporting roles, corralling resources, guiding navigation of university systems, advocacy at multiple levels, aspiring to coproduction and consumer-led research, extending connections and partnerships, and desire to do better. Allyship may have an important role to play in the broader consumer research agenda and requires further consideration. Embedding meaningful consumer participation within mental health services requires active consumer involvement in research. Allies can play an important facilitative role. This article is protected by copyright. All rights reserved. This article is protected by copyright. All rights reserved.

Tanning preparations.

PubMed

Levy, S B

2000-10-01

Increasing consumer awareness as to the hazards of UV light should fuel ongoing interest in self-tanning products. As a result of the benign toxicologic profile of DHA, products containing DHA represent a safe alternative to UV-induced tanning. The results obtained with these products depend on the final formulation, the individual application technique, and the consumer's complexion type. Greater experience in formulation combined with increasing sophistication on the part of the consumer should lead to continuing growth in interest and satisfaction with the use of DHA-containing sunless or self-tanning products. Individuals need to be informed that these products do not offer significant protection against UV-B. If formulated with standard sunscreens, consumers should be cautioned that the duration of UV protection is more short-lived than the color change.

"Coming from a different place": Partnerships between consumers and health services for system change.

PubMed

Scholz, Brett; Bocking, Julia; Banfield, Michelle; Platania-Phung, Chris; Happell, Brenda

2018-05-18

The aim of the current study is to explore whether and how the expectations of consumers to be 'representative' influences consumers' ability to contribute to health services partnerships. Health standards call for services to partner with consumers in service development and governance. While existing research criticises the assumption that individual mental health consumers working with mental health services must be representative of consumers more broadly, research has yet to explore whether this requirement exists for consumers of other health services. Requiring individual consumers to be representative of consumers more broadly marginalises and limits consumer involvement. A qualitative, exploratory design was employed. Consumers (n=6), clinicians (n=7), and health managers (n=5) were interviewed about consumer participation in health services. Data analysis was conducted through the lens of social exchange theory, and informed by discursive psychological principles. The current study extends existing literature within mental health, finding that consumers of other health services are also held responsible for representing broader communities. Data also suggested that a requirement to be representative would marginalise consumers with a passion to bring about change in health systems. The findings suggest that organisations might need a culture change so that individual consumers are not expected to be representative of consumers more broadly, and that participation be made more accessible for diverse groups of consumers. Given the role that nurses might play as allies to consumers within health services, the findings of this study contribute to knowledge about the expectations placed on consumers and the ways that nurses might advocate for better partnerships. This article is protected by copyright. All rights reserved. This article is protected by copyright. All rights reserved.

PEER REVIEW FOR THE CONSUMER VEHICLE CHOICE MODEL

EPA Science Inventory

The U.S. Environmental Protection Agency’s (EPA) Office of Transportation and Air Quality (OTAQ) has recently sponsored the development of a Consumer Vehicle Choice Model (CVCM) by the Oak Ridge National Laboratory (ORNL). The specification by OTAQ to ORNL for consumer choice mod...

12 CFR 1005.7 - Initial disclosures.

Code of Federal Regulations, 2012 CFR

2012-01-01

... disclosures required by this section at the time a consumer contracts for an electronic fund transfer service or before the first electronic fund transfer is made involving the consumer's account. (b) Content of... Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION ELECTRONIC FUND TRANSFERS (REGULATION E...

Protecting the United States Against Information Warfare

DTIC Science & Technology

2000-04-01

Information Systems Protection, An Invitation to a Dialogue, 2. ECommerce , "Business to Business to Consumer, Transaction Enabled Internet Solutions," n.d...available from <http://www.cplus.net/ ecommerce /estats.html>; Internet; accessed 7 February 2000. 7 Clinton, Defending America’s Cyberspace... ECommerce . "Business to Business to Consumer, Transaction Enabled Internet Solutions." n.d. Available from < http://www.cplus.net/ ecommerce

77 FR 39057 - Rules of Practice for Adjudication Proceedings

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-29

...The Dodd-Frank Wall Street Reform and Consumer Protection Act requires the Bureau of Consumer Financial Protection (Bureau) to prescribe rules establishing procedures for the conduct of adjudication proceedings. On July 28, 2011, the Bureau published an interim final rule establishing these procedures with a request for comment. This final rule responds to the comments received by the Bureau and amends the Bureau's regulations accordingly.

The US Food and Drug Administration Modernization Act of 1997: impact on consumers.

PubMed

Golodner, L F

1998-01-01

This paper provides a consumer's perspective on an important issue that has a profound impact on all of us: the US Food and Drug Administration (FDA) Modernization Act of 1997. In addition, it provides some background information on the National Consumers League, an organization that promotes consumer safety and protection with the FDA and its predecessors.

77 FR 30923 - Electronic Fund Transfers (Regulation E)

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-24

.... The Bureau seeks public input on the costs, and benefits, and consumer protection issues related to... interested in learning more about this product, including its costs, benefits, and risks to consumers. The... their costs, benefits, and risks to consumers. These comments, in conjunction with other outreach and...

Alaska Consumer Protection Unit

Science.gov Websites

Office investigates unfair or deceptive business practices and files legal actions on behalf of the State affecting the public interest. Although we informally mediate consumer complaints, we do not provide legal representation to consumers. The Attorney General's Office cannot provide legal advice, representation, or

12 CFR 213.9 - Relation to state laws.

Code of Federal Regulations, 2010 CFR

2010-01-01

... greater protection and benefit to the consumer. A state, through an official having primary enforcement or interpretative responsibilities for the state consumer leasing law, may apply to the Board for a preemption... Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM CONSUMER...

78 FR 30798 - Notice of Intent To Request Public Comments

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-23

... of 2016. Home Insulation. 682 Disposal of Consumer Report 2016. Information and Records. 233 Guides... or guide's costs and benefits to consumers and businesses. Based on this feedback, the Commission may..., Federal Trade Commission, Bureau of Consumer Protection, Division of Marketing Practices, 600 Pennsylvania...

Intentions to consume omega-3 fatty acids: a comparison of protection motivation theory and ordered protection motivation theory.

PubMed

Calder, Samuel Christian; Davidson, Graham R; Ho, Robert

2011-06-01

There has been limited research to date into methods for increasing people's intentions to use omega-3 polyunsaturated fatty acids (n-3 PUFA), which have been linked with decreased risk of suffering from numerous major diseases. The present study employed a cross-sectional design with 380 university students, employees, and visitors to investigate the efficacy of the protection motivation (PM) theory and the ordered protection motivation (OPM) theory, to predict behavioral intention to consume omega-3 rich foods and dietary supplements. Analysis of model fit indicated that both the PM model and the OPM model adequately represented the structural relationships between the cognitive variables and intention to consume n-3 PUFA. Further evaluation of relative fit of the two competing models suggested that the PM model might provide a better representation of decision-making following evaluation of the health threat of n-3 PUFA deficiency. Path analysis indicated that the component of coping appraisal was significantly associated with the behavioral intention to consume n-3 PUFA. Threat appraisal was found to be significantly associated with behavioral intention to consume n-3 PUFA only for the OPM model. Overall, the findings contribute to a better understanding of the roles that cognitive appraisal processes play in young and healthy individuals' protective health decision-making regarding consumption of n-3 PUFA. Implications of the findings and recommendations, which include (a) encouraging the consumption of n-3 PUFA as an effective barrier against the incidence of disease, and (b) effective health messaging that focuses on beliefs about the effectiveness of n-3 PUFA in reducing health risks, are discussed.

12 CFR 1026.1 - Authority, purpose, coverage, organization, enforcement, and liability.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Consumer Financial Protection Act of 2010, Title X of the Dodd-Frank Wall Street Reform and Consumer... contains the rules for open-end credit. It requires that account-opening disclosures and periodic...-secured) consumer credit plan during the first year after account opening. Section 1026.53 contains rules...

12 CFR 213.1 - Authority, scope, purpose, and enforcement.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Reserve System to implement the consumer leasing provisions of the Truth in Lending Act, which is Title I of the Consumer Credit Protection Act, as amended (15 U.S.C. 1601 et seq.). Information collection... SYSTEM CONSUMER LEASING (REGULATION M) § 213.1 Authority, scope, purpose, and enforcement. (a) Authority...

12 CFR 205.2 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... device means a card, code, or other means of access to a consumer's account, or any combination thereof... of the consumer's wages, salary, or other employee compensation (such as commissions), are made on a... agreement. (c) Act means the Electronic Fund Transfer Act (title IX of the Consumer Credit Protection Act...

14 CFR 374.3 - Compliance with the Consumer Credit Protection Act and regulations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... credit card practices. (2) The Fair Credit Reporting Act, 15 U.S.C. 1681-1681 setting forth requirements... 14 Aeronautics and Space 4 2010-01-01 2010-01-01 false Compliance with the Consumer Credit... OF TRANSPORTATION (AVIATION PROCEEDINGS) SPECIAL REGULATIONS IMPLEMENTATION OF THE CONSUMER CREDIT...

Consumer Education (A High School One Semester Course).

ERIC Educational Resources Information Center

Hawaii State Dept. of Education, Honolulu. Office of Instructional Services.

Designed for a one-semester high school social studies elective course, this curriculum guide uses a multidisciplinary approach to teach consumer education. Eight units of study cover the marketplace, consumer protection, decision making, money management, credit and taxes, basic necessities, housing, and future security. Within each unit, an…

12 CFR 1022.27 - Renewal of opt-out.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 1022.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After... receive from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given...

77 FR 10725 - Establishment of the Consumer Advisory Board and Solicitation of Nominations for Membership

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-23

...''), the Bureau's primary functions are: 1. Conducting financial education programs; 2. Collecting... the Bureau's functions under the Federal consumer financial protection laws, and which will provide... information relevant to the function of markets for consumer financial products and services to identify risks...

12 CFR 1070.43 - Disclosure of confidential information to law enforcement agencies and other government agencies.

Code of Federal Regulations, 2012 CFR

2012-01-01

... confidentiality of the information disclosed; and (2) Disclose confidential consumer complaint information to a... CONSUMER FINANCIAL PROTECTION DISCLOSURE OF RECORDS AND INFORMATION Confidential Information § 1070.43... market for consumer financial products and services, provided that the agency shall first give written...

12 CFR 1070.43 - Disclosure of confidential information to law enforcement agencies and other government agencies.

Code of Federal Regulations, 2013 CFR

2013-01-01

... confidentiality of the information disclosed; and (2) Disclose confidential consumer complaint information to a... CONSUMER FINANCIAL PROTECTION DISCLOSURE OF RECORDS AND INFORMATION Confidential Information § 1070.43... market for consumer financial products and services, provided that the agency shall first give written...

12 CFR 1070.43 - Disclosure of confidential information to law enforcement agencies and other government agencies.

Code of Federal Regulations, 2014 CFR

2014-01-01

... confidentiality of the information disclosed; and (2) Disclose confidential consumer complaint information to a... CONSUMER FINANCIAL PROTECTION DISCLOSURE OF RECORDS AND INFORMATION Confidential Information § 1070.43... market for consumer financial products and services, provided that the agency shall first give written...

40 CFR 721.80 - Industrial, commercial, and consumer activities.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 30 2010-07-01 2010-07-01 false Industrial, commercial, and consumer... Industrial, commercial, and consumer activities. Whenever a substance is identified in subpart E of this part... the substance. (l) Non-industrial use. (m) Commercial use. (n) Non-commercial use. (o) Use in a...

76 FR 44462 - Statement of General Policy or Interpretation; Commentary on the Fair Credit Reporting Act

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-26

... collection, assembly, and use of consumer report information and provides the framework for the credit... increased the obligations of users of consumer reports, particularly employers. Most significantly, the 1996... transferred authority to issue interpretive guidance under the FCRA to the Consumer Financial Protection...

Caffeine Content Labeling: A Missed Opportunity for Promoting Personal and Public Health

PubMed Central

Kole, Jon

2013-01-01

Current regulation of caffeine-containing products is incoherent, fails to protect consumers' interests, and should be modified in multiple ways. We make the case for one of the regulatory reforms that are needed: all consumable products containing added caffeine should be required by the Food and Drug Administration (FDA) to include caffeine quantity on their labels. Currently, no foods or beverages that contain caffeine are required to include caffeine content on their labels. Strengthening these lax labeling requirements could prevent direct caffeine-induced harm, protect those most vulnerable to caffeine-related side effects, and enhance consumer autonomy and effective caffeine use. Consumers have an interest in regulating their intake of caffeine and thus, ought to know how much caffeine their foods and beverages contain. PMID:24761278

Consumer's Resource Handbook and A Teacher's Guide to the Consumer's Resource Handbook.

ERIC Educational Resources Information Center

Office of Consumer Affairs, Washington, DC.

This document consists of a handbook for consumers and a teacher's guide to the handbook. The first part of the handbook gives advice on how to be a smart consumer and includes information on how to get the most for the money, handle a complaint, write a complaint letter, use the handbook, select child care, protect personal property, choose a…

12 CFR - Unknown Title

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Section Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION DEFINING LARGER PARTICIPANTS OF CERTAIN CONSUMER FINANCIAL PRODUCT AND SERVICE MARKETS Market...

31 CFR 14.1 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-07-01

..., savings bank, card issuer as defined in section 103 of the Consumer Credit Protection Act (15 U.S.C. 1602... association (including cooperative bank), credit union, or consumer financial institution, located in any...

How to File a Consumer Credit Complaint.

ERIC Educational Resources Information Center

Board of Governors of the Federal Reserve System, Washington, DC.

Designed for the general public and possibly suitable also for high school economics students, this pamphlet explains how a complaint against a Federal Reserve bank concerning a possible violation of any of the federal consumer credit laws can be filed. Seven consumer credit laws are listed with a brief statement about the major protections of…

77 FR 65320 - Empowering Consumers To Prevent and Detect Billing for Unauthorized Charges (“Cramming...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-10-26

.... 98-170; FCC 12-42] Empowering Consumers To Prevent and Detect Billing for Unauthorized Charges..., [email protected]fcc.gov or (202) 418-2887, of the Consumer and Governmental Affairs Bureau. SUPPLEMENTARY... information collection requirements contained in the Commission's Report and Order, FCC 12-42, published at 77...

40 CFR 80.32 - Controls applicable to liquefied petroleum gas retailers and wholesale purchaser-consumers.

Code of Federal Regulations, 2010 CFR

2010-07-01

...,660 gallons of liquefied petroleum gas per month shall equip each pump from which liquefied petroleum... liquefied petroleum gas retailer and wholesale purchaser- consumer. Any dispensing pump shown to be... petroleum gas retailers and wholesale purchaser-consumers. 80.32 Section 80.32 Protection of Environment...

12 CFR 1022.27 - Renewal of opt-out.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 1022.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement—(1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

12 CFR 1022.27 - Renewal of opt-out.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 1022.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement—(1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

12 CFR 14.20 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN SALES OF INSURANCE...)(10) of the Bank Holding Company Act of 1956, as amended (12 U.S.C. 1841(o)(10)). (d) Consumer means..., solicits, advertises, or offers an insurance product or annuity to a consumer at an office of the bank or...

76 FR 41150 - Notice Announcing Ten-Year Regulatory Review Schedule and Request for Public Comment on the...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-13

... in the face of changing marketplace conditions, evolving consumer behavior, and technological...) 326-2984, Attorney, Division of Enforcement, Bureau of Consumer Protection, Federal Trade Commission... continuing need for the rule or guide as well as the rule's or guide's costs and benefits to consumers and...

Strategic trade between two regions with partial local consumer protection - General setup and nash equilibria

NASA Astrophysics Data System (ADS)

Iordanov, Iordan V.; Vassilev, Andrey A.

2017-12-01

We construct a model of the trade relations between two regions for the case when the trading entities (consumers) compete for a scarce good and there is an element of strategic interdependence in the trading process. Additionally, local consumers enjoy partial protection in the form of guaranteed access to a part of the locally-supplied quantity of the good. The model is formulated for the general asymmetric case, where the two regions differ in terms of parameters such as income, size of the local market supply, degree of protection and transportation costs. For this general model we establish the existence of Nash equilibria and obtain their form as a function of the model parameters, producing a typology of the equilibria. This is a required step in order to rigorously study various types of price dynamics for the model.

Attitudes vs. Purchase Behaviors as Experienced Dissonance: The Roles of Knowledge and Consumer Orientations in Organic Market.

PubMed

Hidalgo-Baz, María; Martos-Partal, Mercedes; González-Benito, Óscar

2017-01-01

This research focuses on the incongruity between positive attitudinal responses but a lack of purchase behavior in organic markets. According to cognitive dissonance theory, consumer orientations toward the benefits attributed to organic products (environmental protection, health, hedonic) relieve the dissonance that results from this attitude-behavior incongruity. Knowledge also functions as a transmitter, from positive attitudes to purchase behaviors, thereby reducing the incongruity. Using quota sampling in a survey study, this paper tests the hypotheses from linear regression models. The results show that orientations and knowledge improve the congruity between attitudes and purchase behaviors toward organic products. Moreover, interaction effects arise between the environmental protection orientation and knowledge and between the hedonic orientation and knowledge. Increasing knowledge mitigates the difference between attitudes and purchase behaviors, especially for consumers with environmental protection or hedonic orientations. These findings have several important implications for research and practice.

76 FR 78977 - Real Estate Settlement Procedures Act (Regulation X)

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-20

...Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) transferred rulemaking authority for a number of consumer financial protection laws from seven Federal agencies to the Bureau of Consumer Financial Protection (Bureau) as of July 21, 2011. The Bureau is in the process of republishing the regulations implementing those laws with technical and conforming changes to reflect the transfer of authority and certain other changes made by the Dodd-Frank Act. In light of the transfer of the Department of Housing and Urban Development's (HUD's) rulemaking authority for the Real Estate Settlement Procedures Act (RESPA) to the Bureau, the Bureau is publishing for public comment an interim final rule establishing a new Regulation X (Real Estate Settlement Procedures Act). This interim final rule does not impose any new substantive obligations on persons subject to the existing Regulation X, previously published by HUD.

Attitudes vs. Purchase Behaviors as Experienced Dissonance: The Roles of Knowledge and Consumer Orientations in Organic Market

PubMed Central

Hidalgo-Baz, María; Martos-Partal, Mercedes; González-Benito, Óscar

2017-01-01

This research focuses on the incongruity between positive attitudinal responses but a lack of purchase behavior in organic markets. According to cognitive dissonance theory, consumer orientations toward the benefits attributed to organic products (environmental protection, health, hedonic) relieve the dissonance that results from this attitude–behavior incongruity. Knowledge also functions as a transmitter, from positive attitudes to purchase behaviors, thereby reducing the incongruity. Using quota sampling in a survey study, this paper tests the hypotheses from linear regression models. The results show that orientations and knowledge improve the congruity between attitudes and purchase behaviors toward organic products. Moreover, interaction effects arise between the environmental protection orientation and knowledge and between the hedonic orientation and knowledge. Increasing knowledge mitigates the difference between attitudes and purchase behaviors, especially for consumers with environmental protection or hedonic orientations. These findings have several important implications for research and practice. PMID:28286489

Consumer protection act for digital products

NASA Astrophysics Data System (ADS)

Hampel, Viktor E.

1996-03-01

This report proposes a `Consumer Protection Act for Digital Products' to support electronic commerce and to control the increasing abuse and lack of security on the national information highways. Patterned after the `Food and Drug Act of 1906 (21 USC)' and subsequent legislation, a new agency similar to that of the FDA would have the authority `to develop administrative policy with regard to the safety, effectiveness, and labeling of digital products and their communications for human use, and to review and evaluate new applications of such products.' Specifically, it is proposed that standards, originally developed by the defense industry for the labeling, enveloping, and authentication of digital products delivered to the Government, be extended to promote global electronic commerce by protecting the intellectual property rights of producers, establishing their liability for the end-use of digital products, and give consumers means for informed decision making and purchase.

America's Forgotten Consumer

ERIC Educational Resources Information Center

Dyskstra, John W.

1972-01-01

The author argues that consumer protection in the realm of college education must be implemented. It is suggested that college catalogs and bulletins do not provide enough factual information for a prospective student to make a choice. (MS)

77 FR 70105 - Delayed Implementation of Certain New Mortgage Disclosures

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-23

...The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z (Truth in Lending) to, in effect, delay implementation of certain new mortgage disclosure requirements in title XIV of the Dodd-Frank Wall Street Reform and Consumer Protection Act that would otherwise take effect on January 21, 2013. Instead, to avoid potential consumer confusion and reduce compliance burden for industry, the Bureau plans to implement these disclosures as part of the integrated mortgage disclosure forms proposed earlier this year, which combine certain disclosures that consumers receive in connection with applying for and closing on a mortgage loan under the Truth in Lending Act and the Real Estate Settlement Procedures Act. Accordingly, this rulemaking exempts persons from complying with these mortgage disclosure requirements and provides that such exemptions are intended to last only until the integrated mortgage disclosure forms take effect.

Comparison of sensory perception and verbal expression of Korean Kimchi stews between Chinese consumers and Korean trained panelists.

PubMed

Park, Hye-Won; Kim, Young Choul; Jang, Seong-Ho; Hong, Jae-Hee

2018-05-25

Sensory drivers of liking in foreign food markets are difficult to identify because expression of perceived characteristics varies depending on cultural differences. We aimed to identify differences in perception and expression of a Korean home meal replacement product (Kimchi stew) between 10 Korean trained panelists and 50 eastern Chinese consumers (EC) and 54 northern Chinese consumers (NC) using descriptive analysis and rate-all-that-apply (RATA) tests. Regional differences between EC and NC groups were also investigated. Sensory representations of the six Kimchi stew samples were similar between the Korean trained and Chinese consumer panels. Use of simple sensory RATA terms was similar among the groups. However, EC whose daily diet has mild flavors associated consumer terms with negative connotations, such as odd flavor and sharp, with burning sensation and seasoning, implying the influence of regional food cultures. RATA could elicit foreign consumers' sensory representations of an unfamiliar ethnic food that was comparable to that from descriptive analysis, assisting researchers in understanding target consumers' sensory perceptions in a more cost- and time-effective manner. Inclusion of consumer terms in a RATA list and its correlation with descriptive analysis by a native descriptive panel can help in understanding foreign consumers' verbal expressions This article is protected by copyright. All rights reserved. This article is protected by copyright. All rights reserved.

Predicting intentions to consume functional foods and supplements to offset memory loss using an adaptation of protection motivation theory.

PubMed

Cox, D N; Koster, A; Russell, C G

2004-08-01

The widespread use of dietary supplements and so-called 'functional foods' is thought to be partially motivated by self-control of health. However, whilst consumers want foods associated with well-being or disease prevention, they are unlikely to be willing to compromise on taste or technology. This presents a dilemma for promoters of functional foods. Middle-aged consumers' intentions to consume functional foods or supplements that may improve memory were tested within an adaptation of Protection Motivation theory (PMT). Participants evaluated text descriptions of four products described as: having an unpleasant bitter taste (Natural-FF); having 'additives' to reduce bitterness (Sweetened-FF); being genetically modified to enhance function (GM-FF) and Supplements. Participants were recruited as being of high and low perceived vulnerability to memory failure. In total, 290 middle-aged consumers (aged 40-60 years) participated in the study. Motivations to consume the GM-FF were the lowest. There were gender differences between intention to consume the supplements, Natural-FF and Sweetened-FF and product differences within genders. Women were less favourable than men in their attitudes towards genetic modification in general. Regression analyses indicated that PM predictors of intention to consume functional foods or supplements explained 59-63% of the variance (R2). Overall, perceived 'efficacy' (of the behaviour) and self-efficacy were the most important predictors of intentions to consume.

16 CFR 1061.8 - Information on the heightened degree of protection afforded.

Code of Federal Regulations, 2010 CFR

2010-01-01

... protection afforded. 1061.8 Section 1061.8 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION GENERAL APPLICATIONS FOR EXEMPTION FROM PREEMPTION § 1061.8 Information on the heightened degree of protection afforded... State or local requirement provides a significantly higher degree of protection from the risk of injury...

A Guide to Intellectual Property Protection, Third Edition.

ERIC Educational Resources Information Center

Minnesota Small Business Assistance Office, St. Paul.

Protecting an idea is often a difficult process. Some ideas and inventions cannot be protected, while others are eligible for only narrow or partial immunity from potential competition and imitation. Obtaining even minimal protection can often be expensive, time consuming, and ultimately result in uncertain or even negative benefits to the…

76 FR 30942 - Agency Information Collection Activities: Proposed Collection; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-27

... the Patient Protection and Affordable Care Act, Public Law 111-148 (the Affordable Care Act), provides... comply with certain consumer protection provisions contained in the Act. It also will provide important contact information for participants to find out which protections apply and which protections do not...

Consumer Financial Protection Commission Act of 2013

THOMAS, 113th Congress

Rep. Duffy, Sean P. [R-WI-7

2013-06-17

House - 10/29/2013 Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

17 CFR 250.100 - Orders granting 6 or withdrawing exemptions.

Code of Federal Regulations, 2010 CFR

2010-04-01

... or appropriate in the public interest or for the protection of investors or consumers. (b) Orders... investors or consumers. The Commission may by such notice suspend the applicability of any such exemption to...

Alaska Consumer Laws - Consumer Protection Topic

Science.gov Websites

Attorney General and Department of Law staff may not provide legal advice to private citizens or organizations. Please contact an attorney if you need legal advice. The Alaska Lawyer Referral Service or your

Bureau of Consumer Financial Protection Accountability Act

THOMAS, 113th Congress

Rep. Posey, Bill [R-FL-8

2013-02-01

House - 10/29/2013 Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

75 FR 27504 - Substantial Product Hazard List: Hand-Held Hair Dryers

Federal Register 2010, 2011, 2012, 2013, 2014

2010-05-17

...The Consumer Product Safety Improvement Act of 2008 (``CPSIA''), authorizes the United States Consumer Product Safety Commission (``Commission'') to specify, by rule, for any consumer product or class of consumer products, characteristics whose existence or absence shall be deemed a substantial product hazard under certain circumstances. In this document, the Commission is proposing a rule to determine that any hand-held hair dryer without integral immersion protection presents a substantial product hazard.

78 FR 9020 - Wireline Competition Bureau Seeks Further Comment on Specific Issues Related to the...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-07

... adjust the Remote Areas Fund usage allowance requirement to reflect consumer behavior, and if so, how... files, audio format), send an email to [email protected] or call the Consumer & Governmental Affairs Bureau... issues relating to the implementation of the Remote Areas Fund as a portable consumer subsidy program, as...

12 CFR Appendix A to Subpart H of... - Consumer Grievance Process

Code of Federal Regulations, 2010 CFR

2010-01-01

... Subpart H of Part 208 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H) Consumer Protection in Sales of Insurance Pt. 208, Subpt. H, App. A Appendix A to Subpart H of Part 208—Consumer...

Effect of the long-term regular intake of virgin olive oil on the phenolic metabolites in human fasting plasma.

PubMed

Valls, Rosa-Maria; Soler, Aranzazu; Girona, Josefa; Heras, Mercedes; Romero, Maria-Paz; Covas, Maria-Isabel; Solà, Rosa; Masana, Lluis; Motilva, Maria-Jose

2010-09-21

The effect of repeated consumption of virgin olive oil on endogenous phenolic metabolites of fasting plasma is unknown. For this reason, we hypothesized that regular long-term virgin olive oil intake could have an indirect protection effect on the endogenous phenols. Thus, the aim of the study was to determine the phenolic profile of human plasma in a fasting state of long-term regular virgin olive oil consumers, using the fasting plasma of non-consumers as a natural control. Forty participants living in the area of Reus (Catalonia, Spain) were selected, 20 life-long regular consumers of virgin olive oil and a natural control of 20 non-consumers, the latter being Rumanians who dislike the taste of olive oil. The diet was obtained from 3-day food records. The results showed similar phenolic composition of fasting plasmas of the two volunteer groups. Of special interest is that more of the compounds quantified showed higher concentration in fasting plasma from habitual virgin olive oil consumers. The compounds were semi-quantified using caffeic acid as the calibration standard. The quantification of fasting consumer's plasma showed higher concentration of a hydroxyflavanone type compound (2.90+/-0.04 microM vs 1.5+/-0.04 microM) and a catecholamine derivative (0.70+/-0.03 microM vs 0.56+/-0.03 microM) than the plasma of non-consumers (P<0.05). The results suggest an indirect protective mechanism of long-term regular virgin olive oil consumption related to the protection of the endogenous antioxidant system. Copyright 2010 Elsevier B.V. All rights reserved.

40 CFR 80.7 - Requests for information.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 16 2010-07-01 2010-07-01 false Requests for information. 80.7 Section 80.7 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED... refiner, distributor, wholesale purchaser-consumer, or retailer to report the following information...

New Information Technologies and Consumer Choice.

ERIC Educational Resources Information Center

Jones, Mary Gardiner; Nelson, Helen Ewing

1991-01-01

New technologies such as audiotex and videotex raise public policy issues related to access, use of a common carrier network, basic versus enhanced services, financing the system, government responsibility, the Bell companies as providers, consumer protection, and privacy. (SK)

12 CFR 343.50 - Where insurance activities may take place.

Code of Federal Regulations, 2010 CFR

2010-01-01

... OF GENERAL POLICY CONSUMER PROTECTION IN SALES OF INSURANCE § 343.50 Where insurance activities may... consumer who seeks to purchase an insurance product or annuity to a qualified person who sells that product...

16 CFR 310.7 - Actions by states and private persons.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Rule. The notice shall be sent to the Office of the Director, Bureau of Consumer Protection, Federal... officer of a state authorized by the state to bring an action under the Telemarketing and Consumer Fraud...

Consumer Credit Access, Innovation, and Modernization Act

THOMAS, 113th Congress

Rep. Luetkemeyer, Blaine [R-MO-3

2013-04-15

Senate - 03/26/2014 Committee on Banking, Housing, and Urban Affairs Subcommittee on Financial Institutions and Consumer Protection. Hearings held. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Bureau of Consumer Financial Protection Accountability Act of 2013

THOMAS, 113th Congress

Rep. Duffy, Sean P. [R-WI-7

2013-09-26

House - 10/29/2013 Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

3 CFR 8937 - Proclamation 8937 of March 1, 2013. National Consumer Protection Week, 2013

Code of Federal Regulations, 2014 CFR

2014-01-01

... cars, applying for mortgages, or taking out student loans, all Americans should have access to complete... government officials, industry leaders, and advocates across the Nation to share information about consumer...

Anti-aging medicine: can consumers be better protected?

PubMed

Mehlman, Maxwell J; Binstock, Robert H; Juengst, Eric T; Ponsaran, Roselle S; Whitehouse, Peter J

2004-06-01

The use of interventions claiming to prevent, retard, or reverse aging is proliferating. Some of these interventions can seriously harm older persons and aging baby boomers who consume them. Others that are merely ineffective may divert patients from participating in beneficial regimens and also cause them economic harm. "Free market regulation" does not seem to weed out risky, ineffective, and fraudulent anti-aging treatments and products. Public health messages, apparently, are having little effect. What more can be done to achieve better protection for older consumers? An analysis of the potential for federal and state action reveals many barriers to effective governmental regulation of anti-aging interventions. In view of dim prospects for stronger public regulation, physicians and other professionals--especially geriatricians and gerontologists--will need to be more aggressive in protecting older consumers. In particular, The Gerontological Society of America and the American Geriatrics Society should undertake a sustained program of specific educational efforts, directed at health professionals and the general public, in which they sort out as best they can the helpful, the harmful, the fraudulent, and the harmless anti-aging practices and products. Copyright 2004 The Gerontological Society of America

40 CFR 721.10132 - Phosphoramidic acid, carbomonocyclic-, diphenylester (generic).

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 30 2010-07-01 2010-07-01 false Phosphoramidic acid, carbomonocyclic-, diphenylester (generic). 721.10132 Section 721.10132 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY... significant new uses are: (i) Industrial, commercial, and consumer activities. Requirements as specified in...

40 CFR 721.10048 - Substituted anthraquinone (generic).

Code of Federal Regulations, 2010 CFR

2010-07-01

..., and consumer activities. Requirements as specified in § 721.80(s) (4,500 kilograms). (ii) [Reserved... 40 Protection of Environment 30 2010-07-01 2010-07-01 false Substituted anthraquinone (generic). 721.10048 Section 721.10048 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED...

40 CFR 59.207 - Test methods.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 40 Protection of Environment 6 2012-07-01 2012-07-01 false Test methods. 59.207 Section 59.207 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NATIONAL... Compound Emission Standards for Consumer Products § 59.207 Test methods. Each manufacturer or importer...

40 CFR 59.207 - Test methods.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 5 2010-07-01 2010-07-01 false Test methods. 59.207 Section 59.207 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NATIONAL... Compound Emission Standards for Consumer Products § 59.207 Test methods. Each manufacturer or importer...

40 CFR 59.207 - Test methods.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 40 Protection of Environment 6 2014-07-01 2014-07-01 false Test methods. 59.207 Section 59.207 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NATIONAL... Compound Emission Standards for Consumer Products § 59.207 Test methods. Each manufacturer or importer...

40 CFR 59.207 - Test methods.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 40 Protection of Environment 5 2011-07-01 2011-07-01 false Test methods. 59.207 Section 59.207 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NATIONAL... Compound Emission Standards for Consumer Products § 59.207 Test methods. Each manufacturer or importer...

40 CFR 59.207 - Test methods.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 40 Protection of Environment 6 2013-07-01 2013-07-01 false Test methods. 59.207 Section 59.207 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) NATIONAL... Compound Emission Standards for Consumer Products § 59.207 Test methods. Each manufacturer or importer...

Ethical Issues for Direct-to-Consumer Digital Psychotherapy Apps: Addressing Accountability, Data Protection, and Consent

PubMed Central

Kreitmair, Karola

2018-01-01

This paper focuses on the ethical challenges presented by direct-to-consumer (DTC) digital psychotherapy services that do not involve oversight by a professional mental health provider. DTC digital psychotherapy services can potentially assist in improving access to mental health care for the many people who would otherwise not have the resources or ability to connect with a therapist. However, the lack of adequate regulation in this area exacerbates concerns over how safety, privacy, accountability, and other ethical obligations to protect an individual in therapy are addressed within these services. In the traditional therapeutic relationship, there are ethical obligations that serve to protect the interests of the client and provide warnings. In contrast, in a DTC therapy app, there are no clear lines of accountability or associated ethical obligations to protect the user seeking mental health services. The types of DTC services that present ethical challenges include apps that use a digital platform to connect users to minimally trained nonprofessional counselors, as well as services that provide counseling steered by artificial intelligence and conversational agents. There is a need for adequate oversight of DTC nonprofessional psychotherapy services and additional empirical research to inform policy that will provide protection to the consumer. PMID:29685865

Discourse and policy making on consumer protection in the areas of mobile telecommunication and tanning.

PubMed

Schweikardt, Christoph; Rosentreter, Michael; Gross, Dominik

2012-01-01

Perceived health risks from electromagnetic fields in mobile telecommunication and from UV radiation in tanning have become regulation issues in Germany during the last decade. Health risk messages from government expert bodies and the main stakeholders in these areas as well as subsequent consumer protection policy making are investigated. Publications and websites of government expert bodies and the main stakeholders as well as debates in Federal Parliament were analysed to compare argumentation patterns and parliamentary decision-making processes. In both areas, the public received competing health risk messages from the industries and their critics. As a government expert body, the Federal Office for Radiation Protection (BfS) held the view that alleged health risks from electromagnetic telecommunication were not proven, and propagated the precautionary principle. This opinion did not endanger the agreement of 2001 between the government and mobile telecommunication operators. After the failure to obtain voluntary commitment from the tanning industry, by contrast, the BfS recommended stricter consumer protection legislation, which was subsequently implemented. The BfS was in a key position to demand the prerogative of interpretation concerning mutually excluding health risk messages and to provide the argumentation which led the way to non-ionic radiation health protection measures.

Consumer Products Advertised to Save Energy--Let the Buyer Beware.

DTIC Science & Technology

1981-07-24

AD-AL06 653 GENERAL ACCOUNTING OFFICE WASHINGTON DC HUMAN RESOUR--ETC F/G 5/3 CONSUMER PRODUCTS ADVERTISED TO SAVE ENERGY--LET THE BUYER BEWA-ETC...COMPTROLLER GENERAL’S CONSUMER PRODUCTS ADVERTISED REPORT TO THE CONGRESS TO SAVE ENERGY- - LET THE BUYER BEWARE D IG E ST In efforts to reduce energy costs...Federal and State efforts to protect consumers from inaccurate or misleading claims. GAO noted hundreds of advertisements having ques- tionable

Implementation of the Ryan Haight Online Pharmacy Consumer Protection Act of 2008. Interim final rule with request for comments.

PubMed

2009-04-06

The Ryan Haight Online Pharmacy Consumer Protection Act, which was enacted on October 15, 2008, amended the Controlled Substances Act and Controlled Substances Import and Export Act by adding several new provisions to prevent the illegal distribution and dispensing of controlled substances by means of the Internet. DEA is hereby issuing an interim rule to amend its regulations to implement the legislation and is requesting comments on the interim rule.

[THE OPTIMIZATION OF THE ACTIVITY OF ORGANS OF FEDERAL SERVICE FOR SUPERVISION OF CONSUMER RIGHTS PROTECTION AND HUMAN WELFARE IN THE SVERDLOVSK REGION].

PubMed

Kuz'min, S V; Gurvich, V B; Romanov, S V; Dikonskaia, O V; Iarushin, S V; Malykh, O L

2015-01-01

In the Sverdlovsk region there have developed and implemented methodological approaches to the optimization oj the activity of the Directorate and the Centre directed to the improvement of the sanitary and epidemiological surveillance and in the sphere of the protection of the rights of consumers in the framework of the development of an comprehensive regional system of risk management for the population's health in the Sverdlovsk region.

Intercollegiate Sports (Part 2). Hearings before the Subcommittee on Commerce, Consumer Protection, and Competitiveness of the Committee on Energy and Commerce. House of Representatives, One Hundred Third Congress, First Session (June 23 and August 4, 1993).

ERIC Educational Resources Information Center

Congress of the U.S., Washington, DC. House Committee on Energy and Commerce.

The House of Representatives Subcommittee on Commerce, Consumer Protection, and Competitiveness met to hear testimony on sex discrimination in secondary and college level athletic programs. The witnesses on the first panel were all current or former college students and plaintiffs in four recent and significant Title IX cases. Title IX was part of…

12 CFR 714.10 - What other laws must you comply with when engaged in leasing?

Code of Federal Regulations, 2010 CFR

2010-01-01

... leasing? You must comply with the Consumer Leasing Act, 15 U.S.C. 1667-67f, and its implementing... the extent that the state leasing laws are consistent with the Consumer Leasing Act, 15 U.S.C. 1667e, or provide the member with greater protections or benefits than the Consumer Leasing Act. You are...

The role of production process and information on quality expectations and perceptions of sparkling wines.

PubMed

Vecchio, Riccardo; Lisanti, Maria Tiziana; Caracciolo, Francesco; Cembalo, Luigi; Gambuti, Angelita; Moio, Luigi; Siani, Tiziana; Marotta, Giuseppe; Nazzaro, Concetta; Piombino, Paola

2018-05-28

The present research aims to analyse, by combining sensory and experimental economics techniques, to what extent production process, and the information about it, may affect consumer preferences. Sparkling wines produced by Champenoise and Charmat methods were the object of the study. A quantitative descriptive sensory analysis with a trained panel and non-hypothetical auctions combined with hedonic ratings involving young wine consumers (N=100), under different information scenarios(Blind, Info and Info Taste), were performed. Findings show that the production process impacts both the sensory profile of sparkling wines and consumer expectations. In particular, the hedonic ratings revealed that when tasting the products, both with no information on the production process (Blind) and with such information (Info Taste), the consumers preferred the Charmat wines. On the contrary, when detailed information on the production methods was given without tasting (Info), consumers liked more the two Champenoise wines. It can be concluded that sensory and non-sensory attributes of sparkling wines affect consumers' preferences. Specifically, the study suggests that production process information strongly impacts liking expectations, while not affecting informed liking. This article is protected by copyright. All rights reserved. This article is protected by copyright. All rights reserved.

50 CFR 216.95 - Official mark for “Dolphin-safe” tuna products.

Code of Federal Regulations, 2010 CFR

2010-10-01

... forth in the Dolphin Protection Consumer Information Act, 16 U.S.C. 1385, and implementing regulations... mark on labels must allow the consumer to identify the official mark and be similar in design and scale...

Consumer Competency Means High School Diploma in Omaha School

ERIC Educational Resources Information Center

Carlock, LaNeta L.

1977-01-01

Westside High School in Omaha, Nebraska, developed a series of minimum competencies in seven areas as standards for their graduates. One of the seven areas, consumerism, covers money management, credit, insurance, taxes, buying decisions, and consumer protection. (BM)

Multiple organ failure - death of consumer protection?

PubMed

Steinman, H A; Jobson, M R

2010-07-15

The enormously profitable complementary medicines, dietary supplements and traditional medicines markets are largely unregulated internationally and South Africa. Attempts to ensure that consumers are not exposed to harmful or ineffective products have met with varying success around the world.

The Profitability of Consumer Protection: Warranty Policy in the Auto Industry.

ERIC Educational Resources Information Center

McNeil, Kenneth; Miller, Richard E.

1980-01-01

A consumer survey and data obtained through interviews with automobile industry professionals indicate that the automobile industry is biased against the development of goodwill assets because of exclusive reliance on short-term accounting systems. (Author/IRT)

78 FR 69851 - Consumer Advisory Committee

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-21

... FEDERAL COMMUNICATIONS COMMISSION [DA 13-2169] Consumer Advisory Committee AGENCY: Federal Communications Commission. ACTION: Notice. SUMMARY: The Commission announces the next meeting date, time, [email protected] . SUPPLEMENTARY INFORMATION: This is a summary of the Commission's document DA 13-2169...

A history of drug advertising: the evolving roles of consumers and consumer protection.

PubMed

Donohue, Julie

2006-01-01

Direct-to-consumer advertising (DTCA) of prescription drugs in the United States is controversial. Underlying the debate are disagreements over the role of consumers in medical decision making, the appropriateness of consumers engaging in self-diagnosis, and the ethics of an industry promoting potentially dangerous drugs. Drug advertising and federal policy governing drug advertising have both responded to and reinforced changes in the consumer's role in health care and in the doctor-patient relationship over time. This article discusses the history of DTCA in the context of social movements to secure rights for health care patients and consumers, the modern trend toward consumer-oriented medicine, and the implications of DTCA and consumer-oriented medicine for contemporary health policy debates about improving the health care system.

A History of Drug Advertising: The Evolving Roles of Consumers and Consumer Protection

PubMed Central

Donohue, Julie

2006-01-01

Direct-to-consumer advertising (DTCA) of prescription drugs in the United States is controversial. Underlying the debate are disagreements over the role of consumers in medical decision making, the appropriateness of consumers engaging in self-diagnosis, and the ethics of an industry promoting potentially dangerous drugs. Drug advertising and federal policy governing drug advertising have both responded to and reinforced changes in the consumer's role in health care and in the doctor-patient relationship over time. This article discusses the history of DTCA in the context of social movements to secure rights for health care patients and consumers, the modern trend toward consumer-oriented medicine, and the implications of DTCA and consumer-oriented medicine for contemporary health policy debates about improving the health care system. PMID:17096638

40 CFR 721.10006 - Mixed metal oxide (generic).

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 30 2010-07-01 2010-07-01 false Mixed metal oxide (generic). 721.10006 Section 721.10006 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) TOXIC SUBSTANCES...) of this section. (2) The significant new uses are: (i) Industrial, commercial, and consumer...

40 CFR 80.23 - Liability for violations.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 16 2010-07-01 2010-07-01 false Liability for violations. 80.23 Section 80.23 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS... on the pump stand or is displayed at the retail outlet or wholesale purchaser-consumer facility from...

40 CFR 721.10163 - Chloro fluoro alkane (generic).

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 30 2010-07-01 2010-07-01 false Chloro fluoro alkane (generic). 721.10163 Section 721.10163 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) TOXIC...)(2) of this section. (2) The significant new uses are: (i) Industrial, commercial, and consumer...

40 CFR 52.480 - Photochemical Assessment Monitoring Stations (PAMS) Program.

Code of Federal Regulations, 2010 CFR

2010-07-01

... of Columbia's Department of Consumer and Regulatory Affairs submitted a plan for the establishment... 40 Protection of Environment 3 2010-07-01 2010-07-01 false Photochemical Assessment Monitoring Stations (PAMS) Program. 52.480 Section 52.480 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY...

40 CFR 721.10087 - Substituted alkyl phosphine oxide (generic).

Code of Federal Regulations, 2010 CFR

2010-07-01

... are: (i) Industrial, commercial, and consumer activities. Requirements as specified in § 721.80(s... 40 Protection of Environment 30 2010-07-01 2010-07-01 false Substituted alkyl phosphine oxide (generic). 721.10087 Section 721.10087 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED...

Awareness of Consumer Protection Act among Doctors in Udaipur City, India.

PubMed

Singh, K; Shetty, S; Bhat, N; Sharda, A; Agrawal, A; Chaudhary, H

2010-01-01

To compare the awareness of provisions of consumer protection act among dental and medical professionals in Udaipur city, Rajasthan, India. In a cross sectional study, a total of 448 professionals (253 males, 195 females) belonging to dental (222) and medical (226) categories were surveyed using a self administered structured questionnaire. The questionnaire comprised of 22 questions about the awareness of consumer protection art (CPA) and whether these professionals were following the recommendations of CPA. The student's t-test, ANOVA test, and Scheffe's test were used as tests of significance. The awareness scores were significantly higher for medical professionals compared with those of dental professionals. Similarly, postgraduates showed more awareness in both the professions and it was found that private practitioners significantly have more awareness than the academic sector. Though medical professionals have more awareness of CPA compared to dental professionals, considering the present scenario, better knowledge of CPA is necessary for both professionals in order to be on the safer side.

Pesticide residues variability and acute dietary risk assessment: a consumer perspective.

PubMed

Lefferts, L Y

2000-07-01

In relation to residue variability and acute dietary intake, this paper considers whether or not consumers are adequately protected, and makes recommendations for governments and international bodies. Existing risk assessment science is inadequate to lay to rest some concerns raised by the scientific community, and it is plausible that acute exposures to pesticides from the most contaminated food may be causing adverse effects in some consumers. Consumers International recommends that: (1) analysis and regulation of pesticides with a common mechanism of action (e.g. organophosphate insecticides) be conducted in an integrated, aggregated manner, not on a single pesticide basis; (2) exposure to pesticides in foods consumed in large amounts by children be reduced by revising good agricultural practices; (3) clear risk assessment policies for acute risk assessments be established at the national and international level; and (4) an additional safety factor be applied in order to protect children when establishing maximum residue limits (MRLs) for pesticides in the absence of reliable data on the effects of pesticides on children (e.g. no pesticide-specific tests on immature animals for effects on the developing brain, endocrine, or immune systems).

77 FR 35687 - Agency Information Collection Activities; Proposed Collection; Comment Request; Dietary...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-14

...] Agency Information Collection Activities; Proposed Collection; Comment Request; Dietary Supplement Labeling Requirements and Recommendations Under the Dietary Supplement and Nonprescription Drug Consumer... of the Dietary Supplement and Nonprescription Drug Consumer Protection Act (the DSNDCPA) and the...

Sunburn protection as a function of sunscreen application thickness differs between high and low SPFs.

PubMed

Liu, Wei; Wang, Xuemin; Lai, Wei; Yan, Tian; Wu, Yanyu; Wan, Miaojian; Yi, Jinling; Matsui, Mary S

2012-06-01

Sunscreens are an important component of healthy sun-protection behavior. To achieve satisfactory protection, sunscreens must be applied consistently, evenly and correctly. Consumers do not apply sunscreen properly and, therefore, do not achieve the protection indicated by the label 'sun protection factor' (SPF). The objective of the present study was to determine the actual sun(burn) protection given by a range of sunscreen application thickness levels for both low and high SPF formulas. Forty study subjects were recruited from each of three geographical regions in China. Sunscreens with label SPFs of 4, 15, 30, and 55 were tested at application levels of 0.5, 1.0, 1.5, and 2.0 mg/cm(2) in three laboratories using a standard SPF protocol. Sunscreens with lower SPFs (4 and 15) showed a linear dose-response relationship with application level, but higher SPF (30 and 55) product protection was exponentially related to application thickness. Sunscreen protection is not related in one uniform way to the amount of product applied to human skin. Consumers may achieve an even lower than expected sunburn protection from high SPF products than from low SPF sunscreens. © 2012 John Wiley & Sons A/S.

32 CFR 232.10 - Servicemembers Civil Relief Act protections unaffected.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 32 National Defense 2 2010-07-01 2010-07-01 false Servicemembers Civil Relief Act protections... OF DEFENSE (CONTINUED) MISCELLANEOUS LIMITATIONS ON TERMS OF CONSUMER CREDIT EXTENDED TO SERVICE MEMBERS AND DEPENDENTS § 232.10 Servicemembers Civil Relief Act protections unaffected. Nothing in this...

Your Legal Guide to Consumer Credit, with a Special Section on Bankruptcy. You and the Law Series.

ERIC Educational Resources Information Center

American Bar Association, Chicago, IL. Public Education Div.

This booklet was published to help people better understand how to use it, how to determine if they are reaching or have reached their credit-debt limit, and what to do if they have exceeded that limit. It also explains federal rules, regulations, and laws pertaining to consumer installment credit that are designed to protect the consumer.…

Market Discrimination Against the Poor and the Impact of Consumer Disclosure Laws: The Used Car Industry. Discussion Paper No. 486-78.

ERIC Educational Resources Information Center

McNeil, Kenneth; And Others

The poor pay more than the non-poor for similar products in many consumer goods markets. This disparity seems not to be addressed by consumer protection regulations like disclosure laws. Several lines of argument suggest that the poor will not benefit from disclosure regulation either because they lack the ability to use information effectively…

Will the new Consumer Protection Act prevent harm to nutritional supplement users?

PubMed

Gabriels, Gary; Lambert, Mike; Smith, Pete; Hiss, Donavon

2011-07-25

BACKGROUND. There is no clear distinction between the regulation of food, supplements and medicines in South Africa. Consequently, grey areas exist in implementing the legislation, particularly in the supplement industry. The increase in supplement sales in South Africa can be attributed to aggressive marketing by manufacturers whose claims are not always supported by published peer-reviewed evidence. Such claims often go unchecked, resulting in consumers being mislead about the role of supplements. As a result of poor regulation, contaminants or adulterants in supplements may also cause insidious effects unrelated to the listed ingredients. AIM. To assess the regulations, legislation, and claims associated with nutritional supplement products in South Africa. METHOD. Peer-reviewed literature and the relevant South African statutes were consulted. RESULTS. The National Health Act incorporates the Medicine Control Council, which is charged with ensuring the safety, quality and effectiveness of medicines, and related matters, including complementary/alternative medicines. The South African Institute for Drug-Free Sport and Amendment Act provides for testing athletes for using banned substances, but currently does not concern itself with monitoring nutritional supplements for contaminants or adulterants that may cause a positive drug test, which has implications for sports participants and also the health of the general population. The implementation of the Consumer Protection Act 68 of 2008 (CPA) could protect consumer rights if it is administered and resourced appropriately. CONCLUSION. The CPA should promote greater levels of policy development, regulatory enforcement, and consumer education of South Africa's supplement industry.

76 FR 63957 - Consumer Product Policy Statement

Federal Register 2010, 2011, 2012, 2013, 2014

2011-10-14

... NUCLEAR REGULATORY COMMISSION [NRC-2010-0292] Consumer Product Policy Statement AGENCY: Nuclear...: The U.S. Nuclear Regulatory Commission (NRC or Commission) is proposing to update its policy statement... terminology used in radiation protection that have evolved over time, as well as relevant legislation and...

INCORPORATING BATS IN AGROECOSYSTEM MANAGEMENT AND CROP PROTECTION DECISIONS

EPA Science Inventory

By characterizing the diet of bats in agroecosystems, this research likely will document that bats are important consumers of pest species. Additionally, this investigation will document which pest species are consumed and the relative contribution of these species to bat d...

12 CFR 536.20 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN SALES OF INSURANCE...)(10)). Consumer means an individual who purchases, applies to purchase, or is solicited to purchase... attempt to control the behavior of another person. Electronic media includes any means for transmitting...

Consumers Need More Reliable Automobile Fuel Economy Data.

DTIC Science & Technology

1981-07-28

programs will be needed to adequately inform consumers of the program adjustments and limitations. (See p. 24.) Also, a revised auto- mobile ... advertising guide, as established under the Federal Trade Commission, will be needed. (See p. 23.) RECOMMENDATIONS The Administrator, Environmental Protection

40 CFR 59.685 - What symbols, acronyms, and abbreviations does this subpart use?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 5 2010-07-01 2010-07-01 false What symbols, acronyms, and abbreviations does this subpart use? 59.685 Section 59.685 Protection of Environment ENVIRONMENTAL PROTECTION... CONSUMER AND COMMERCIAL PRODUCTS Control of Evaporative Emissions From New and In-Use Portable Fuel...

17 CFR 248.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-04-01

... (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-P: Privacy of Consumer Financial Information and Safeguarding Personal Information Relation to Other Laws; Effective Date § 248.16 Protection of Fair Credit... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Protection of Fair Credit...

40 CFR 721.10088 - Thiophene, 2,5-dibromo-3-hexyl-.

Code of Federal Regulations, 2010 CFR

2010-07-01

..., and consumer activities. Requirements as specified in § 721.80(s) (4,500 kilograms). (ii) Release to... 40 Protection of Environment 30 2010-07-01 2010-07-01 false Thiophene, 2,5-dibromo-3-hexyl-. 721.10088 Section 721.10088 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) TOXIC...

A Case Against First Amendment Protections for Commercial Advertising.

ERIC Educational Resources Information Center

Middleton, Kent R.

Although extending constitutional protection to commercial expression might benefit the consumer, the First Amendment is the wrong instrument for carrying out what are basically economic policies. While in most First Amendment cases the nature of the content determines whether it is constitutionally protected, advertising is distinct in that it…

A health app developer's guide to law and policy: a multi-sector policy analysis.

PubMed

Parker, Lisa; Karliychuk, Tanya; Gillies, Donna; Mintzes, Barbara; Raven, Melissa; Grundy, Quinn

2017-10-02

Apps targeted at health and wellbeing sit in a rapidly growing industry associated with widespread optimism about their potential to deliver accessible and cost-effective healthcare. App developers might not be aware of all the regulatory requirements and best practice principles are emergent. Health apps are regulated in order to minimise their potential for harm due to, for example, loss of personal health privacy, financial costs, and health harms from delayed or unnecessary diagnosis, monitoring and treatment. We aimed to produce a comprehensive guide to assist app developers in producing health apps that are legally compliant and in keeping with high professional standards of user protection. We conducted a case study analysis of the Australian and related international policy environment for mental health apps to identify relevant sectors, policy actors, and policy solutions. We identified 29 policies produced by governments and non-government organisations that provide oversight of health apps. In consultation with stakeholders, we developed an interactive tool targeted at app developers, summarising key features of the policy environment and highlighting legislative, industry and professional standards around seven relevant domains: privacy, security, content, promotion and advertising, consumer finances, medical device efficacy and safety, and professional ethics. We annotated this developer guidance tool with information about: the relevance of each domain; existing legislative and non-legislative guidance; critiques of existing policy; recommendations for developers; and suggestions for other key stakeholders. We anticipate that mental health apps developed in accordance with this tool will be more likely to conform to regulatory requirements, protect consumer privacy, protect consumer finances, and deliver health benefit; and less likely to attract regulatory penalties, offend consumers and communities, mislead consumers, or deliver health harms. We encourage government, industry and consumer organisations to use and publicise the tool.

Consumer understanding and use of health claims: the case of functional foods.

PubMed

Annunziata, Azzurra; Mariani, Angela; Vecchio, Riccardo

2014-01-01

As widely acknowledged functional foods (FFs) may contribute to improve human health due to the presence of specific components useful for their protective action against several diseases. However it is essential that consumers are able to comprehend and assess the properties of FFs health claims play a central role in helping consumers to select among food alternatives, beyond providing protection against unsupported or misleading statements about foods properties. At the same time health claims are the main marketing tool that the food industry could use to differentiate FFs from other products. Clearly, massive investments in research and development are necessary to enter the FF market segment, together with the possibility to protect innovation through patents. Current paper aims to examine factors influencing consumer understanding and use of food health claims on FFs, as well as providing several indications for developers, marketers and policy makers. After a brief review of the literature the results of a quantitative survey conducted online on 650 Italian consumers are presented. Results show that consumer use and understanding of health claims on FFs depend on different variables such as socio-demographic characteristics, knowledge and confidence with nutrition information but also wording and variables related specifically to the product. Furthermore, different segments with a diverse degree of use and understanding of health claims have been identified. Therefore, to boost market growth, more efforts are needed by policy makers and marketers to provide better information on nutrition and health aspects of FF using an approach capable to ensure truthful, significant and clear information. Finally some recent patents related to the FFs market with specific regard to components and/or functionality investigated in the current paper are reviewed.

Intercollegiate Sports: Hearings before the Subcommittee on Commerce, Consumer Protection, and Competitiveness of the Committee on Energy and Commerce. House of Representatives, One Hundred Second Congress, First Session (June 19, 1991--Overview; July 25, 1991--Academics and Athletics; September 12, 1991--Historically Black Colleges and Universities).

ERIC Educational Resources Information Center

Congress of the U.S., Washington, DC. House Committee on Energy and Commerce.

The Subcommittee on Commerce, Consumer Protection and Competitiveness of the House Committee on Energy and Commerce met on three occasions to hear testimony on intercollegiate sports and in particular on proposed legislation to regulate college sports, to assure due process in investigations of the National Collegiate Athletic Association (NCAA),…

[Interaction of the bodies and institutions of the Russian Inspectorate for the protection of consumer rights and human welfare on sanitary-and-epidemiological examinations and issuing sanitary-and-epidemiological opinions].

PubMed

Safonkina, S G

2009-01-01

The paper describes problems in the organization of the interaction of the Russian Inspectorate for the Protection of Consumer Rights and Human Welfare in Moscow and the Center for Hygiene and Epidemiology in Moscow to perform sanitary-and-epidemiological examinations and to issue sanitary-and-epidemiological opinions. The goals of setting up a one-window service and measures required for its effective work are defined. Positive results of one-window activities are shown.

Ethical Issues for Direct-to-Consumer Digital Psychotherapy Apps: Addressing Accountability, Data Protection, and Consent.

PubMed

Martinez-Martin, Nicole; Kreitmair, Karola

2018-04-23

This paper focuses on the ethical challenges presented by direct-to-consumer (DTC) digital psychotherapy services that do not involve oversight by a professional mental health provider. DTC digital psychotherapy services can potentially assist in improving access to mental health care for the many people who would otherwise not have the resources or ability to connect with a therapist. However, the lack of adequate regulation in this area exacerbates concerns over how safety, privacy, accountability, and other ethical obligations to protect an individual in therapy are addressed within these services. In the traditional therapeutic relationship, there are ethical obligations that serve to protect the interests of the client and provide warnings. In contrast, in a DTC therapy app, there are no clear lines of accountability or associated ethical obligations to protect the user seeking mental health services. The types of DTC services that present ethical challenges include apps that use a digital platform to connect users to minimally trained nonprofessional counselors, as well as services that provide counseling steered by artificial intelligence and conversational agents. There is a need for adequate oversight of DTC nonprofessional psychotherapy services and additional empirical research to inform policy that will provide protection to the consumer. ©Nicole Martinez-Martin, Karola Kreitmair. Originally published in JMIR Mental Health (http://mental.jmir.org), 23.04.2018.

Report: Progress Report on Drinking Water Protection Efforts

EPA Pesticide Factsheets

Report #2005-P-00021, August 22, 2005. EPA and the States in this sample are making progress at helping water systems better reach Congress’ goal of protecting drinking water from its source to the consumer.

E-Learning Quality Standards for Consumer Protection and Consumer Confidence: A Canadian Case Study in E-Learning Quality Assurance

ERIC Educational Resources Information Center

Barker, Kathryn Chang

2007-01-01

Emerging concerns about quality of e-learning products and services animated a project in Canada to create quality standards that derived primarily from the needs of consumer, that could be used to guide the development and choice of e-learning at all levels of education and training, and that could be implemented in a simple manner. A set of…

77 FR 64241 - Privacy Act of 1974; Implementation of Exemptions

Federal Register 2010, 2011, 2012, 2013, 2014

2012-10-19

.... SUPPLEMENTARY INFORMATION: Background The CFPB is re-publishing its System of Records Notice entitled ``CFPB.005... Confidential business information, Consumer protection, Freedom of information, Privacy. Authority and Issuance... its system of records entitled ``CFPB.005--Consumer Response System'' from certain provisions of the...

29 CFR 1983.100 - Purpose and scope.

Code of Federal Regulations, 2012 CFR

2012-07-01

... (CONTINUED) PROCEDURES FOR THE HANDLING OF RETALIATION COMPLAINTS UNDER SECTION 219 OF THE CONSUMER PRODUCT SAFETY IMPROVEMENT ACT OF 2008. Complaints, Investigations, Findings and Preliminary Orders § 1983.100... Consumer Product Safety Improvement Act (CPSIA), 15 U.S.C. 2087. CPSIA provides for employee protection...

29 CFR 1983.100 - Purpose and scope.

Code of Federal Regulations, 2011 CFR

2011-07-01

... (CONTINUED) PROCEDURES FOR THE HANDLING OF RETALIATION COMPLAINTS UNDER SECTION 219 OF THE CONSUMER PRODUCT SAFETY IMPROVEMENT ACT OF 2008. Complaints, Investigations, Findings and Preliminary Orders § 1983.100... Consumer Product Safety Improvement Act (CPSIA), 15 U.S.C. 2087. CPSIA provides for employee protection...

29 CFR 1983.100 - Purpose and scope.

Code of Federal Regulations, 2013 CFR

2013-07-01

... (CONTINUED) PROCEDURES FOR THE HANDLING OF RETALIATION COMPLAINTS UNDER SECTION 219 OF THE CONSUMER PRODUCT SAFETY IMPROVEMENT ACT OF 2008 Complaints, Investigations, Findings and Preliminary Orders § 1983.100... Consumer Product Safety Improvement Act (CPSIA), 15 U.S.C. 2087. CPSIA provides for employee protection...

78 FR 11109 - International Settlements Policy Reform

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-15

... to foreign carriers' anticompetitive behavior in and timely and effective manner. Eliminating the ISP... routes giving U.S. consumers competitive pricing when they make international calls. The Commission also adopts certain limited measures to improve the Commission's ability to protect U.S. consumers from the...

78 FR 76033 - Truth in Lending (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-16

... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1026 Truth in Lending (Regulation Z) AGENCY... Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) and the Home Ownership and... re-calculated annually using the Consumer Price Index for Urban Wage Earners and Clerical Workers...

77 FR 71140 - Approval and Promulgation of Air Quality Implementation Plans; Pennsylvania; Allegheny County...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-29

... by Reference of Pennsylvania's Consumer Products Regulations,'' that is located in the ``Rules and... Promulgation of Air Quality Implementation Plans; Pennsylvania; Allegheny County Incorporation by Reference of Pennsylvania's Consumer Products Regulations AGENCY: Environmental Protection Agency (EPA). ACTION: Proposed...

Consumers' attitudes towards GM Free products in a European Region. The case of the Prefecture of Drama-Kavala-Xanthi in Greece.

PubMed

Tsourgiannis, L; Karasavvoglou, A; Florou, G

2011-10-01

This study aims to identify the factors that affect consumers purchasing behaviour towards food products that are free from Genetic Modified Organism (GM Free) in a European Region and more precisely in the Prefecture of Drama-Kavala-Xanthi. Field interviews conducted in a random selected sample consisted of 337 consumers in the cities of Drama, Kavala, Xanthi, in November and December of 2009. Principal components analysis (PCA) was conducted in order to identify the factors that affect people in preferring consuming products that are GM Free. The factors that influence people in the study area to buy GM Free products are: (a) products' certification as GM Free or organic products, (b) interest about the protection of the environment and nutrition value, (c) marketing issues, and (d) price and quality. Furthermore, cluster and discriminant analysis identified two groups of consumers: (a) those are influenced by the product price, quality and marketing aspects and (b) those are interested in product's certification and environmental protection. Non parametric statistical bivariate techniques were performed to profile the identified groups of consumers regarding their personal characteristics and some other factors affecting their buying behaviour. Copyright © 2011. Published by Elsevier Ltd.

Autonomy and Privacy in Clinical Laboratory Science Policy and Practice.

PubMed

Leibach, Elizabeth Kenimer

2014-01-01

Rapid advancements in diagnostic technologies coupled with growth in testing options and choices mandate the development of evidence-based testing algorithms linked to the care paths of the major chronic diseases and health challenges encountered most frequently. As care paths are evaluated, patient/consumers become partners in healthcare delivery. Clinical laboratory scientists find themselves firmly embedded in both quality improvement and clinical research with an urgent need to translate clinical laboratory information into knowledge required by practitioners and patient/consumers alike. To implement this patient-centered care approach in clinical laboratory science, practitioners must understand their roles in (1) protecting patient/consumer autonomy in the healthcare informed consent process and (2) assuring patient/consumer privacy and confidentiality while blending quality improvement study findings with protected health information. A literature review, describing the current ethical environment, supports a consultative role for clinical laboratory scientists in the clinical decision-making process and suggests guidance for policy and practice regarding the principle of autonomy and its associated operational characteristics: informed consent and privacy.

Density-mediated, context-dependent consumer-resource interactions between ants and extrafloral nectar plants.

PubMed

Chamberlain, Scott A; Holland, J Nathaniel

2008-05-01

Interspecific interactions are often mediated by the interplay between resource supply and consumer density. The supply of a resource and a consumer's density response to it may in turn yield context-dependent use of other resources. Such consumer-resource interactions occur not only for predator-prey and competitive interactions, but for mutualistic ones as well. For example, consumer-resource interactions between ants and extrafloral nectar (EFN) plants are often mutualistic, as EFN resources attract and reward ants which protect plants from herbivory. Yet, ants also commonly exploit floral resources, leading to antagonistic consumer-resource interactions by disrupting pollination and plant reproduction. EFN resources associated with mutualistic ant-plant interactions may also mediate antagonistic ant-flower interactions through the aggregative density response of ants on plants, which could either exacerbate ant-flower interactions or alternatively satiate and distract ants from floral resources. In this study, we examined how EFN resources mediate the density response of ants on senita cacti in the Sonoran Desert and their context-dependent use of floral resources. Removal of EFN resources reduced the aggregative density of ants on plants, both on hourly and daily time scales. Yet, the increased aggregative ant density on plants with EFN resources decreased rather than increased ant use of floral resources, including contacts with and time spent in flowers. Behavioral assays showed no confounding effect of floral deterrents on ant-flower interactions. Thus, ant use of floral resources depends on the supply of EFN resources, which mediates the potential for both mutualistic and antagonistic interactions by increasing the aggregative density of ants protecting plants, while concurrently distracting ants from floral resources. Nevertheless, only certain years and populations of study showed an increase in plant reproduction through herbivore protection or ant distraction from floral resources. Despite pronounced effects of EFN resources mediating the aggregative density of ants on plants and their context-dependent use of floral resources, consumer-resource interactions remained largely commensalistic.

12 CFR 190.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... be made on the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. ...

12 CFR 190.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... be made on the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. ...

12 CFR 190.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... be made on the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. ...

12 CFR Appendix I to Part 226 - Federal Enforcement Agencies

Code of Federal Regulations, 2010 CFR

2010-01-01

.... Retail, Department Stores, Consumer Finance Companies, All Other Creditors, and All Nonbank Credit Card... Office in which they operate.) Division of Credit Practices, Bureau of Consumer Protection, Federal Trade.... Federal Credit Unions Regional office of the National Credit Union Administration serving the area in...

Soil consumed by chacma baboons is low in bioavailable iron and high in clay

USDA-ARS?s Scientific Manuscript database

Despite widespread consumption of earth among animals, its role in health maintenance remains an enigma. It has been hypothesized that animals consume earth for supplementation of minerals and protection against toxins. Unfortunately, most studies have only determined the total elemental composition...

75 FR 22681 - Supplemental Guidance on Overdraft Protection Programs

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-29

... recommended as a Best Practice that a savings association train customer service or consumer complaint... association should present the program as a customer service that may cover inadvertent consumer overdrafts.... alternatives. Provide information about alternatives when they are offered--Part III.A.2. Train staff to...

77 FR 37558 - Disclosure of Certain Credit Card Complaint Data

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-22

... publication of a public consumer complaint database that, instead of aiding complainants, enables data mining... Certain Credit Card Complaint Data AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice of... Bureau plans to exercise its discretion to publicly disclose certain credit card complaint data that do...

Separation and measurement of silver nanoparticles and silver ions using magnetic particles

EPA Science Inventory

The recent surge in consumer products and applications using metallic nanoparticles has increased the possibility of human or ecosystem exposure due to unintentional release into the environment. To protect consumer health and the environment, there is an urgent need to develop t...

16 CFR 313.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 16 Commercial Practices 1 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 313... CONGRESS PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 313.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or...

12 CFR 332.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 332.16... GENERAL POLICY PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 332.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or...

12 CFR 216.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 216.16... PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Relation to Other Laws; Effective Date § 216.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or...

40 CFR 264.1033 - Standards: Closed-vent systems and control devices.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 25 2010-07-01 2010-07-01 false Standards: Closed-vent systems and control devices. 264.1033 Section 264.1033 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY... no greater than 20 per-cent of the time required to con-sume the total carbon working cap-a-city...

Assessment of consumer exposure related to improper use of pesticides in the region of southeastern Poland.

PubMed

Szpyrka, Ewa

2015-01-01

Plant protection products are widely used throughout the world in order to prevent a reduction in yield. Although the protection of plants brings many benefits, pesticides are toxic to the environment and to humans. To protect human health, pesticide residue risk assessment should be carried out. The aim of the study was to assess acute risk related to the improper use of pesticides. In 2010-2013, 878 crop samples: 382 fruits, 399 vegetables, 82 cereals and their products, 11 herbs and 4 seeds were tested. Pesticide residues were found in 240 samples (27.3%). Pesticide residues were found most frequently in: fruits (41.6% fruit samples), seed (25.0%), vegetables (19.3%) and herbs (9.1%), and least frequently in cereals and their products (2.4%). Improper pesticide use was determined for 49 samples, mainly for vegetables (24 samples) and fruits (22). Most irregularities associated with the use of plant protection products involved application of a substance not recommended for a given crop (36 samples). In nine samples, applications of plant protection products that were withdrawn from the market were found, and in seven samples, violations of maximum residue levels were determined. Despite there being cases of improper use of plant protection products, no hazard to consumer health was determined. The highest values of short-term exposure were obtained in the case of consumption of blackcurrants with iprodione-a substance not recommended in Poland for protection of blackcurrants (4.3% acceptable daily intake (ADI), adults; 6.8% ADI, children). Since potential consumer risk caused by pesticide residues could not be ruled out, inspections should be carried out continuously.

[Role of cosmetics in environmental carcinogenesis].

PubMed

Riboulet-Delmas, G

1983-09-01

Cosmetics, which have been used for millenaries, have undergone a dramatic development since the last war. Conjointly with this development, cosmetology has entered a new, scientific, phase. A few facts will enable us to define the role of carcinogens in environmental carcinogenesis: first, by trying to determine what protection is given to the consumer against the carcinogenic risk; then, by delineating the protection provided by sunscreen agents against skin carcinomas induced by sun. Protection provided to consumers: physicochemical characteristics; Ames test for screening; animal experimentation; epidemiological studies; follow-up of products. Prevention of UV-dependent skin cancer; induction of skin tumors by sun; prevention. Individual factors which modulate these risks: Two examples: permeability of the psoriatic skin; morphotypes and sun. Given the present state of our knowledge, it seems inconceivable to achieve stricter scientific standards before marketing a product. One step is, and always will be, lacking for the evaluation of the noxiousness of a substance, i.e. its large scale, longterm evaluation in man, with allowances for biologic inequalities. This underscores the value of producer's daily vigilance, a vigilance which in fact concerns both the producer and the consumer.

[Plant protection products and their residues : Aspects of consumer safety in context of the new EU regulations].

PubMed

Banasiak, U; Michalski, B; Pfeil, R; Solecki, R

2010-06-01

The law regulating plant protection products (PPP) in the European Union (EU) was fundamentally revised through the introduction of Regulation (EC) No. 1107/2009 which is due to enter into force on 14 June 2011. EU-wide harmonized maximum residue levels (MRLs) for the active substances of PPP in foods are laid down in Regulation (EC) No. 396/2005 and apply since entry into force of the regulation on 1 September 2008. The goal of both regulations is to strengthen the level of consumer protection. PPP are subject to a strict assessment of active substances, which is regulated at the EU level as well as an authorization procedure in the EU Member States. Prior to application for authorization of a PPP, the active substance(s) it contains must be included in a positive list. Tests regarding the toxicity and residue behavior of PPP must be conducted by the applicant, and the respective documents must be submitted to the authorities for evaluation. Following review of the required data, toxicological threshold values are derived, consumer exposure is assessed, and the risk to health is evaluated. The goal of this evaluation is to ensure that the use of PPP according to good plant protection practice does not have any harmful effects on human health.

Consumer Problems of Older Americans. New Directions for Government and Business. Background Papers and Recommendations from a Mini-Conference for the White House Conference on Aging (Washington, DC, January 29-30, 1980).

ERIC Educational Resources Information Center

National Retired Teachers Association, Washington, DC.

These background papers and recommendations from a mini-conference on the consumer problems of older Americans and new directions that government and business should take to protect the consumer rights of the elderly address the following areas: credit, food, insurance, investments, prescription drugs and medical appliances, and primary health…

An Analysis of “Natural” Food Litigation to Build a Sesame Allergy Consumer Class Action.

PubMed

Shaker, Dana

In a world where food allergy is still an incurable disease, law and regulation stand as necessary mechanisms to provide food-allergic consumers with the information they need to protect their health. The Food Allergen Labeling and Consumer Protection Act of 2004 provided specific labeling requirements for the “Top Eight” allergens in the U.S.: milk, soy, gluten, egg, tree nut, peanut, fish, and Crustacean shellfish. Since then, sesame has become more prevalent as an allergen and remains just as dangerous, inducing anaphylactic shock in some sesame-allergic individuals. Yet sesame remains unregulated, despite advocates and congressional members arguing for its inclusion. This note entertains one solution to this problem by exploring the most strategic way to bring a sesame allergy class action against a private food company under California’s consumer protection statutes. Because this kind of class action does not have much, if any, precedent, this note analyzes the basic, preliminary issues that any litigant would have to navigate around to certify a class, including preemption, standing, and the claim itself, by focusing on how courts have examined these issues in the recent “natural” class action litigation. It also analyzes the legal, moral, and practical aspects of choosing a type of relief, as well as whom to include in the class. Finally, this note briefly considers how FDA itself can ensure sesame is regulated on the labels of food products, given that some of the legal issues may well be insurmountable for this particular class action. This note explores the potential solutions to difficult legal hurdles in constructing a sesame allergy class action, arguing that litigating a sesame allergy class action—even if it is not ultimately successful—could start a productive conversation that might lead Congress or FDA to provide greater public health and consumer protection for those with sesame allergy.

Net Neutrality: The Great Debate

ERIC Educational Resources Information Center

Connolly, Mary

2015-01-01

FCC Chairman Tom Wheeler, speaking at the International Consumer Electronics Show in January, called for an open Internet which would make sure that ISPs had economic incentives to build better networks while still protecting consumers and innovators. His specific recommendations were shared with the other members of the FCC in February. One of…

12 CFR 1026.1 - Authority, purpose, coverage, organization, enforcement, and liability.

Code of Federal Regulations, 2012 CFR

2012-01-01

...-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203, 124 Stat. 1376, when four... for open-end credit. It requires that account-opening disclosures and periodic statements be provided...-secured) consumer credit plan during the first year after account opening. Section 1026.53 contains rules...

Student Consumerism in Higher Education.

ERIC Educational Resources Information Center

Gordon, Suzanne E.

1979-01-01

The student rights protests of the 1960s, the 26th Amendment granting 18-year-olds the right to vote, and the demise of in loco parentis greatly changed student-institutional relationships. Yet these relationships can be improved only by increased consumer protection. Institutional opinions on consumer issues need to be heard. (Author)

16 CFR 1117.7 - Confidentiality of reports.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 1117.7 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS... Confidentiality of reports. The confidentiality provisions of section 6 of the CPSA, 15 U.S.C. 2055, apply to... protection afforded to information submitted under section 15(b), in accordance with section 6(b)(5) of the...

12 CFR 1408.14 - Reporting of credit information.

Code of Federal Regulations, 2010 CFR

2010-01-01

... rights and protection afforded to the debtor under 31 U.S.C. 3711(f) have been fulfilled. The Corporation shall notify each consumer reporting agency, to which a claim was disclosed, when the debt has been..., or designee of the Chairman, may disclose to a consumer reporting agency information that an...

32 CFR 232.5 - Identification of covered borrower.

Code of Federal Regulations, 2010 CFR

2010-07-01

... (CONTINUED) MISCELLANEOUS LIMITATIONS ON TERMS OF CONSUMER CREDIT EXTENDED TO SERVICE MEMBERS AND DEPENDENTS § 232.5 Identification of covered borrower. (a) This part shall not apply to a consumer credit... important protections to active duty members of the Armed Forces and their dependents. To ensure that these...

Consumer Handbook to Credit Protection Laws.

ERIC Educational Resources Information Center

Board of Governors of the Federal Reserve System, Washington, DC.

The five sections of this consumer handbook are The Cost of Credit, Applying for Credit, Credit Histories and Records, Correcting Credit Mistakes, and Complaining about Credit. Each section discusses relevant legislation: Truth in Lending, the Equal Credit Opportunity Act, and the Fair Credit Reporting Act. Topics discussed in section I include…

77 FR 43841 - Agency Information Collection Activities; Submission for Office of Management and Budget Review...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-07-26

... Drug Products Marketed Without an Approved Application as Required by the Dietary Supplement and... Without an Approved Application as Required by the Dietary Supplement and Nonprescription Drug Consumer... the Dietary Supplement and Nonprescription Drug Consumer Protection Act (Pub. L. 109-462, 120 Stat...

77 FR 75410 - Request for Information Regarding Credit Card Market

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-20

... Regarding Credit Card Market AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice and request for information. SUMMARY: Section 502(a) of the Credit Card Accountability Responsibility and Disclosure Act of... review (Review) of the consumer credit card market, within the limits of its existing resources available...

12 CFR 1013.7 - Advertising.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Advertising. 1013.7 Section 1013.7 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION CONSUMER LEASING (REGULATION M) § 1013.7 Advertising. (a... following items: (i) That the transaction advertised is a lease; (ii) The total amount due prior to or at...

12 CFR 1013.7 - Advertising.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Advertising. 1013.7 Section 1013.7 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION CONSUMER LEASING (REGULATION M) § 1013.7 Advertising. (a... following items: (i) That the transaction advertised is a lease; (ii) The total amount due prior to or at...

12 CFR 1013.7 - Advertising.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Advertising. 1013.7 Section 1013.7 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION CONSUMER LEASING (REGULATION M) § 1013.7 Advertising. (a... following items: (i) That the transaction advertised is a lease; (ii) The total amount due prior to or at...

17 CFR 162.6 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2012 CFR

2012-04-01

... PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.6 Reasonable opportunity to opt out. (a) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to...

17 CFR 162.6 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2013 CFR

2013-04-01

... PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.6 Reasonable opportunity to opt out. (a) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to...

17 CFR 162.4 - Scope and duration of opt out.

Code of Federal Regulations, 2014 CFR

2014-04-01

...) PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules... election to opt out prohibits any covered affiliate subject to the scope of the opt-out notice from using eligibility information received from another affiliate to make solicitations to the consumer. (2) Continuing...

17 CFR 162.6 - Reasonable opportunity to opt out.

Code of Federal Regulations, 2014 CFR

2014-04-01

... (CONTINUED) PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.6 Reasonable opportunity to opt out. (a) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a...

Assisted living: opportunities for partnerships in caring.

PubMed

Marosy, J P

1997-10-01

Throughout the United States, a variety of state government bodies license or certify assisted-living facilities. States have taken a variety of approaches in setting standards and protecting consumers. Consumers will respond to innovative solutions that enable elders to remain independent while assuring peace of mind of their adult children.

12 CFR 1016.8 - Revised privacy notices.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Revised privacy notices. 1016.8 Section 1016.8 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Privacy and Opt Out Notices § 1016.8 Revised privacy notices. (a) General rule. Except as...

12 CFR 1016.8 - Revised privacy notices.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Revised privacy notices. 1016.8 Section 1016.8 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Privacy and Opt Out Notices § 1016.8 Revised privacy notices. (a) General rule. Except as...

12 CFR 1016.8 - Revised privacy notices.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Revised privacy notices. 1016.8 Section 1016.8 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Privacy and Opt Out Notices § 1016.8 Revised privacy notices. (a) General rule. Except as...

49 CFR 1.57 - Delegations to General Counsel.

Code of Federal Regulations, 2011 CFR

2011-10-01

... President in Executive Order 12597 of May 13, 1987. (q) Assist and protect consumers in their dealings with the air transportation industry and assist state and local organizations in handling airline consumer complaints. Carry out 49 U.S.C. 40113 and 41771 as appropriate to those functions. (r)-(s) [Reserved] (t...

78 FR 14625 - National Consumer Protection Week, 2013

Federal Register 2010, 2011, 2012, 2013, 2014

2013-03-06

... Security Proclamation 8939--100th Anniversary of the United States Department of Labor Order of March 1..., we established a new unit to combat fraud and investigate the abusive lending and mortgage packaging... across the Federal Government joined with consumer advocates to launch www.NCPW.gov , an online resource...

78 FR 8525 - Information Collection Being Reviewed by the Federal Communications Commission

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-06

... collection of information subject to the PRA that does not display a valid Office of Management and Budget...: Rules and Regulations Implementing the Telephone Consumer Protection Act (TCPA) of 1991, Report and... retain benefits. The authorizing statutes for this information collection are: Telephone Consumer...

12 CFR 1024.1 - Designation.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Designation. 1024.1 Section 1024.1 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X) § 1024.1 Designation. This part, known as Regulation X, is issued by the Bureau of Consumer Financial...

12 CFR 1024.1 - Designation.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Designation. 1024.1 Section 1024.1 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X) § 1024.1 Designation. This part, known as Regulation X, is issued by the Bureau of Consumer Financial...

Anti-Aging Medicine: Can Consumers Be Better Protected?

ERIC Educational Resources Information Center

Mehlman, Maxwell J.; Binstock, Robert H.; Juengst, Eric T.; Ponsaran, Roselle S.; Whitehouse, Peter J.

2004-01-01

The use of interventions claiming to prevent, retard, or reverse aging is proliferating. Some of these interventions can seriously harm older persons and aging baby boomers who consume them. Others that are merely ineffective may divert patients from participating in beneficial regimens and also cause them economic harm. "Free market…

Consumer Education, 5-8: Activities, Resources and Evaluation.

ERIC Educational Resources Information Center

Phillips, Perry D.; Murray, C. Kenneth

This publication suggests consumer education learning activities for grades five through eight. It is intended as a guideline for developing local curriculum and for designing instructional strategies. Students are taught to learn to manage, to buy wisely, to save and invest, to protect themselves from unscrupulous practice, and to understand the…

Soft fruit traceability in food matrices using real-time PCR.

PubMed

Palmieri, Luisa; Bozza, Elisa; Giongo, Lara

2009-02-01

Food product authentication provides a means of monitoring and identifying products for consumer protection and regulatory compliance. There is a scarcity of analytical methods for confirming the identity of fruit pulp in products containing Soft Fruit. In the present work we have developed a very sensible qualitative and quantitative method to determine the presence of berry DNAs in different food matrices. To our knowledge, this is the first study that shows the applicability, to Soft Fruit traceability, of melting curve analysis and multiplexed fluorescent probes, in a Real-Time PCR platform. This methodology aims to protect the consumer from label misrepresentation.

17 CFR 160.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-04-01

... PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 160.16 Protection of... 17 Commodity and Securities Exchanges 1 2010-04-01 2010-04-01 false Protection of Fair Credit... operation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and no inference shall be drawn on the...

77 FR 15379 - Protecting Tenants at Foreclosure Act: Additional Guidance on Notification Responsibilities Under...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-03-15

... provided by PTFA sunset on December 31, 2014. Section 1484 of the Dodd-Frank Wall Street Reform and... protections to December 31, 2014. Section 1484 of the Dodd-Frank Wall Street Reform and Consumer Protection... completion and in acquiring title to and possession of the property. (Failure to foreclose and evict acquire...

16 CFR 1700.4 - Effective date of standards.

Code of Federal Regulations, 2010 CFR

2010-01-01

... a regulation establishing a child protection packaging standard shall indicate the standard's... 1700.4 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION POISON PREVENTION PACKAGING ACT OF 1970... shall apply. (b) Upon becoming effective, a child protection packaging standard shall apply only to...

ASSESSING BIOACCUMULATION FOR DERIVING NATIONAL HUMAN HEALTH WATER QUALITY CRITERIA

EPA Science Inventory

The United States Environmental Protection Agency is revising its methodology for deriving national ambient water quality criteria (AWQC) to protect human health. A component of this guidance involves assessing the potential for chemical bioaccumulation in commonly consumed fish ...

40 CFR 141.152 - Effective dates.

Code of Federal Regulations, 2011 CFR

2011-07-01

....152 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) WATER PROGRAMS (CONTINUED) NATIONAL PRIMARY DRINKING WATER REGULATIONS Consumer Confidence Reports § 141.152 Effective dates. (a) The regulations in this subpart shall take effect on September 18, 1998. (b) Each existing community water system...

40 CFR 141.152 - Effective dates.

Code of Federal Regulations, 2013 CFR

2013-07-01

....152 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) WATER PROGRAMS (CONTINUED) NATIONAL PRIMARY DRINKING WATER REGULATIONS Consumer Confidence Reports § 141.152 Effective dates. (a) The regulations in this subpart shall take effect on September 18, 1998. (b) Each existing community water system...

40 CFR 141.152 - Effective dates.

Code of Federal Regulations, 2012 CFR

2012-07-01

....152 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) WATER PROGRAMS (CONTINUED) NATIONAL PRIMARY DRINKING WATER REGULATIONS Consumer Confidence Reports § 141.152 Effective dates. (a) The regulations in this subpart shall take effect on September 18, 1998. (b) Each existing community water system...

40 CFR 141.152 - Effective dates.

Code of Federal Regulations, 2014 CFR

2014-07-01

....152 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) WATER PROGRAMS (CONTINUED) NATIONAL PRIMARY DRINKING WATER REGULATIONS Consumer Confidence Reports § 141.152 Effective dates. (a) The regulations in this subpart shall take effect on September 18, 1998. (b) Each existing community water system...

29 CFR 1985.104 - Investigation.

Code of Federal Regulations, 2014 CFR

2014-07-01

...) PROCEDURES FOR HANDLING RETALIATION COMPLAINTS UNDER THE EMPLOYEE PROTECTION PROVISION OF THE CONSUMER FINANCIAL PROTECTION ACT OF 2010 Complaints, Investigations, Findings, and Preliminary Orders § 1985.104 Investigation. (a) Upon receipt of a complaint in the investigating office, OSHA will notify the respondent of...

Consumer depletion alters seagrass resistance to an invasive macroalga.

PubMed

Caronni, Sarah; Calabretti, Chiara; Delaria, Maria Anna; Bernardi, Giuseppe; Navone, Augusto; Occhipinti-Ambrogi, Anna; Panzalis, Pieraugusto; Ceccherelli, Giulia

2015-01-01

Few field studies have investigated how changes at one trophic level can affect the invasibility of other trophic levels. We examined the hypothesis that the spread of an introduced alga in disturbed seagrass beds with degraded canopies depends on the depletion of large consumers. We mimicked the degradation of seagrass canopies by clipping shoot density and reducing leaf length, simulating natural and anthropogenic stressors such as fish overgrazing and water quality. Caulerpa racemosa was transplanted into each plot and large consumers were excluded from half of them using cages. Potential cage artifacts were assessed by measuring irradiance, scouring by leaf movement, water flow, and sedimentation. Algal invasion of the seagrass bed differed based on the size of consumers. The alga had higher cover and size under the cages, where the seagrass was characterized by reduced shoot density and canopy height. Furthermore, canopy height had a significant effect depending on canopy density. The alteration of seagrass canopies increased the spread of C. racemosa only when large consumers were absent. Our results suggest that protecting declining habitats and/or restoring fish populations will limit the expansion of C. racemosa. Because MPAs also enhance the abundance and size of fish consuming seagrass they can indirectly promote algal invasion. The effects of MPAs on invasive species are context dependent and require balancing opposing forces, such as the conservation of seagrass canopy structure and the protection of fish grazing the seagrass.

12 CFR 1005.14 - Electronic fund transfer service provider not holding consumer's account.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Electronic fund transfer service provider not... PROTECTION ELECTRONIC FUND TRANSFERS (REGULATION E) § 1005.14 Electronic fund transfer service provider not holding consumer's account. (a) Provider of electronic fund transfer service. A person that provides an...

12 CFR 1005.14 - Electronic fund transfer service provider not holding consumer's account.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Electronic fund transfer service provider not... PROTECTION ELECTRONIC FUND TRANSFERS (REGULATION E) General § 1005.14 Electronic fund transfer service provider not holding consumer's account. (a) Provider of electronic fund transfer service. A person that...

12 CFR 1005.14 - Electronic fund transfer service provider not holding consumer's account.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Electronic fund transfer service provider not... PROTECTION ELECTRONIC FUND TRANSFERS (REGULATION E) General § 1005.14 Electronic fund transfer service provider not holding consumer's account. (a) Provider of electronic fund transfer service. A person that...

12 CFR 608.814 - Reporting of credit information.

Code of Federal Regulations, 2010 CFR

2010-01-01

... all of the rights and protection afforded to the debtor under 31 U.S.C. 3711(f) have been fulfilled. The FCA shall notify each consumer reporting agency, to which a claim was disclosed, when the debt has... information. The Chairman, or designee of the Chairman, may disclose to a consumer reporting agency...

12 CFR 267.2 - Purposes and objectives of the Council.

Code of Federal Regulations, 2010 CFR

2010-01-01

... RESERVE SYSTEM RULES OF ORGANIZATION AND PROCEDURE OF THE CONSUMER ADVISORY COUNCIL § 267.2 Purposes and objectives of the Council. The Council shall advise and consult with the Board in the exercise of the Board's functions under the Consumer Credit Protection Act and with regard to other matters the Board may place...

5 CFR 1215.29 - Use of credit reporting agencies.

Code of Federal Regulations, 2010 CFR

2010-01-01

... reported to a credit reporting agency. (b) Debts may be reported to consumer or commercial reporting agencies. Consumer reporting agencies are defined in 31 U.S.C. 3701(a)(3) pursuant to 5 U.S.C. 552a(b)(12... Section 1215.29 Administrative Personnel MERIT SYSTEMS PROTECTION BOARD ORGANIZATION AND PROCEDURES DEBT...

78 FR 79729 - Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-31

...-scale quantitative validation study of its integrated disclosures with 858 consumers, which concluded.../consumer-financial-protection-bureau-proposes-know-before-you-owe-mortgage-forms/ ; see also Blog post, U.S.... After additional study, the Bureau may propose rules on either or both topics. The Bureau also decided...

78 FR 26545 - Consumer Financial Civil Penalty Fund

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-07

... Financial Officer determined that redress to be uncollectible in whole or in part, the class of victims first had uncompensated harm, if it had any, on the date the Chief Financial Officer made that... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1075 [Docket No. CFPB-2013-0012] RIN 3170-AA38...

Consumer Education Resources: Credit, Credit Problems, Home Mortgages & Equity Loans.

ERIC Educational Resources Information Center

Eastern Michigan Univ., Ypsilanti. National Inst. for Consumer Education.

This document contains five lists of consumer resources pertaining to credit, credit problems, and home mortgages and equity loans. The first list, targeted at adults, provides information on general credit, applying for credit and contracts, seniors and women and credit, credit options and costs, credit protection, credit reports and bureaus, and…

16 CFR § 1500.230 - Guidance for lead (Pb) in consumer products.

Code of Federal Regulations, 2013 CFR

2013-01-01

... protect children from hazardous exposure to lead in consumer products. 1 The Commission identifies the... its experience with products that have exposed children to potentially hazardous amounts of lead. 1... requests manufacturers to eliminate the use of lead that may be accessible to children from products used...

12 CFR 208.85 - Where insurance activities may take place.

Code of Federal Regulations, 2010 CFR

2010-01-01

... SYSTEM MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H) Consumer Protection in Sales of Insurance § 208.85 Where insurance activities may take place. (a) General rule. A bank... transactions are routinely conducted in the bank may refer a consumer who seeks to purchase an insurance...

12 CFR 14.50 - Where insurance activities may take place.

Code of Federal Regulations, 2010 CFR

2010-01-01

....50 Section 14.50 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN SALES OF INSURANCE § 14.50 Where insurance activities may take place. (a) General rule. A bank... transactions are routinely conducted in the bank may refer a consumer who seeks to purchase an insurance...

12 CFR 536.50 - Where insurance activities may take place.

Code of Federal Regulations, 2010 CFR

2010-01-01

....50 Section 536.50 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN SALES OF INSURANCE § 536.50 Where insurance activities may take place. (a) General rule. A... savings association may refer a consumer who seeks to purchase an insurance product or annuity to a...

12 CFR 1026.4 - Finance charge.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Finance charge. 1026.4 Section 1026.4 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING (REGULATION Z) General § 1026.4 Finance charge. (a) Definition. The finance charge is the cost of consumer credit as a dollar amount. It includes...

12 CFR 1026.4 - Finance charge.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Finance charge. 1026.4 Section 1026.4 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING (REGULATION Z) General § 1026.4 Finance charge. (a) Definition. The finance charge is the cost of consumer credit as a dollar amount. It includes...

12 CFR 1026.4 - Finance charge.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 9 2014-01-01 2014-01-01 false Finance charge. 1026.4 Section 1026.4 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING (REGULATION Z) § 1026.4 Finance charge. (a) Definition. The finance charge is the cost of consumer credit as a dollar amount. It includes any...

17 CFR 162.9 - Renewal of opt out.

Code of Federal Regulations, 2014 CFR

2014-04-01

...) PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules... provides that opt-out elections can expire in a period of no less than five years, an affiliate that has or... consumer after such time in order to allow its affiliates to make solicitations. After the opt-out election...

12 CFR 1016.9 - Delivering privacy and opt out notices.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Delivering privacy and opt out notices. 1016.9 Section 1016.9 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Privacy and Opt Out Notices § 1016.9 Delivering privacy and opt out notices. (a...

12 CFR 1016.2 - Model privacy form and examples.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Model privacy form and examples. 1016.2 Section 1016.2 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) § 1016.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

12 CFR 1016.6 - Information to be included in privacy notices.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Information to be included in privacy notices. 1016.6 Section 1016.6 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Privacy and Opt Out Notices § 1016.6 Information to be included in...

12 CFR 1016.2 - Model privacy form and examples.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Model privacy form and examples. 1016.2 Section 1016.2 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) § 1016.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

12 CFR 1016.5 - Annual privacy notice to customers required.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Annual privacy notice to customers required. 1016.5 Section 1016.5 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Privacy and Opt Out Notices § 1016.5 Annual privacy notice to customers...

12 CFR 1016.2 - Model privacy form and examples.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Model privacy form and examples. 1016.2 Section 1016.2 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) § 1016.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

The Social and Economic Security of International Students: A New Zealand Study

ERIC Educational Resources Information Center

Sawir, Erlenawati; Marginson, Simon; Nyland, Chris; Ramia, Gaby; Rawlings-Sanaei, Felicity

2009-01-01

International education has generated complex problems of governance. As well as being beneficiaries of educational services and consumers of a product, international students are also migrants, workers and beings with civil rights. Arguably, the regulation of international student security as consumer protection fails to recognize this full range…

40 CFR 80.32 - Controls applicable to liquefied petroleum gas retailers and wholesale purchaser-consumers.

Code of Federal Regulations, 2011 CFR

2011-07-01

... petroleum gas retailers and wholesale purchaser-consumers. 80.32 Section 80.32 Protection of Environment... Controls and Prohibitions § 80.32 Controls applicable to liquefied petroleum gas retailers and wholesale...,660 gallons of liquefied petroleum gas per month shall equip each pump from which liquefied petroleum...

A Stealth Drug Recall: Who Protects Consumers and Shareholders?

ERIC Educational Resources Information Center

Monseau, Susanna; Lasher, Nancy

2015-01-01

In September 2010, William Weldon, chief executive officer (CEO) and chairman of Johnson & Johnson (J&J), was called to testify in front of the Committee on Oversight and Government Reform to explain the largest product recall in the 125-year history of the well-known pharmaceutical and consumer products company. This article presents a…

77 FR 75487 - Self-Regulatory Organizations; The Options Clearing Corporation; Notice of No Objection to...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-20

... of the Dodd-Frank Wall Street Reform and Consumer Protection Act (``Dodd-Frank Act''),\\1\\ entitled... proposed rule change discussed in the advance notice. \\1\\ Dodd-Frank Wall Street Reform and Consumer..., the Commission approval order notes that OCC retains discretion to employ different confidence levels...

Vulnerability of water distribution systems to pathogen intrusion: how effective is a disinfectant residual?

PubMed

Propato, Marco; Uber, James G

2004-07-01

Can the spread of infectious disease through water distribution systems be halted by a disinfectant residual? This question is overdue for an answer. Regulatory agencies and water utilities have long been concerned about accidental intrusions of pathogens into distribution system pipelines (i.e., cross-connections) and are increasingly concerned about deliberate pathogen contamination. Here, a simulation framework is developed and used to assess the vulnerability of a water system to microbiological contamination. The risk of delivering contaminated water to consumers is quantified by a network water quality model that includes disinfectant decay and disinfection kinetics. The framework is applied to two example networks under a worst-case deliberate intrusion scenario. Results show that the risk of consumer exposure is affected by the residual maintenance strategy employed. The common regulation that demands a "detectable" disinfectant residual may not provide effective consumer protection against microbial contamination. A chloramine residual, instead of free chlorine, may significantly weaken this final barrier against pathogen intrusions. Moreover, the addition of a booster station at storage tanks may improve consumer protection without requiring excessive disinfectant.

76 FR 18349 - Consumer Leasing

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-04

...Effective July 21, 2011, the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amends the Consumer Leasing Act (CLA) by increasing the threshold for exempt consumer leases from $25,000 to $50,000. In addition, the Dodd-Frank Act provides that, on or after December 31, 2011, this threshold must be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers. Accordingly, the Board is making corresponding amendments to Regulation M, which implements the CLA, and to the accompanying staff commentary. Because the Dodd-Frank Act also increases the Truth in Lending Act's threshold for exempt consumer credit transactions from $25,000 to $50,000, the Board is making similar amendments to Regulation Z elsewhere in today's Federal Register.

75 FR 78632 - Consumer Leasing

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-16

...Effective July 21, 2011, the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amends the Consumer Leasing Act (CLA) by increasing the threshold for exempt consumer leases from $25,000 to $50,000. In addition, the Dodd-Frank Act provides that, on or after December 31, 2011, this threshold must be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers. Accordingly, the Board is proposing to make corresponding amendments to Regulation M, which implements the CLA, and to the accompanying staff commentary. Because the Dodd-Frank Act also increases the Truth in Lending Act's threshold for exempt consumer credit transactions from $25,000 to $50,000, the Board is proposing similar amendments to Regulation Z elsewhere in today's Federal Register.

16 CFR 1061.3 - Statutory considerations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... or local government's own use and the requirement provides a higher degree of protection than the... protection than the Commission's statute, standard, or regulation, and that it does not unduly burden... 1061.3 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION GENERAL APPLICATIONS FOR EXEMPTION FROM...

LABORATORY ANALYSIS FOR ARSENIC IN DRINKING WATER SAMPLES

EPA Science Inventory

The U.S. Environmental Protection Agency (USEPA) has established maximum contaminant levels ( MCLs ), for many inorganic contaminants found in drinking water, to protect the health of consumers. Some of these chemicals occur naturally in source waters while some are the result o...

77 FR 36491 - Request for Information Regarding Senior Financial Exploitation

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-19

... Senior Financial Exploitation AGENCY: Bureau of Consumer Financial Protection. ACTION: Request for...'') to facilitate the financial literacy of individuals aged 62 or older (``seniors''), on protection... Monica Jackson at 202-435-7275. For specific questions on senior financial exploitation, please call...

49 CFR 375.201 - What is my normal liability for loss and damage when I accept goods from an individual shipper?

Code of Federal Regulations, 2010 CFR

2010-10-01

...; CONSUMER PROTECTION REGULATIONS Before Offering Services to My Customers Liability Considerations § 375.201... Protection Obligation—In general, your liability is for the household goods that are lost, damaged, destroyed...

40 CFR 141.155 - Report delivery and recordkeeping.

Code of Federal Regulations, 2010 CFR

2010-07-01

....155 Section 141.155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) WATER PROGRAMS (CONTINUED) NATIONAL PRIMARY DRINKING WATER REGULATIONS Consumer Confidence Reports § 141.155... community water system must mail or otherwise directly deliver one copy of the report to each customer. (b...

40 CFR 721.9740 - Brominated triazine derivative.

Code of Federal Regulations, 2010 CFR

2010-07-01

....9740 Section 721.9740 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) TOXIC... plastic, elastomer, rubber matrix, or in solution. (iii) Industrial, commercial, and consumer activities. Requirements as specified in section 721.80(q). Any amount of the PMN substance imported in a plastic...

40 CFR 721.9740 - Brominated triazine derivative.

Code of Federal Regulations, 2011 CFR

2011-07-01

....9740 Section 721.9740 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) TOXIC... plastic, elastomer, rubber matrix, or in solution. (iii) Industrial, commercial, and consumer activities. Requirements as specified in section 721.80(q). Any amount of the PMN substance imported in a plastic...

Protecting Your Child's Privacy Online

MedlinePlus

... Keeping Up With Kids' Apps infographic Kids and Computer Security Kids and Mobile Phones Kids and Socializing Online ... email Looking for business guidance on privacy and ... The Federal Trade Commission (FTC) is the nation’s consumer protection agency. The FTC works to prevent fraudulent, deceptive ...

EU actions to ensure the safety of tattoos and the protection of consumers.

PubMed

Rico, Ana María Blass

2015-01-01

The number of tattooed persons has been continuously increasing in the last few years, particularly in the younger population. At the same time, the possibility of purchasing tattoo inks online is easier than ever worldwide. Consumers are not always sufficiently aware of the possible health problems associated with this 'cool fashion' if hygiene conditions are not respected and/or if the injected mixtures contain dangerous chemicals. Concerns about the possible health risks associated with such practices arise from the absence of a clear legislative framework, the lack of proper risk assessment of the chemicals used, and non-harmonised or missing hygiene and purity requirements, among other factors. There is a general consensus among all active stakeholders that EU harmonised rules would help to ensure a consistent high level of protection of consumers across the EU. © 2015 S. Karger AG, Basel.

Increased Transparency and Consumer Protections for 2016 Marketplace Plans.

PubMed

Brooks-LaSure, Chiquita

2015-12-01

The open enrollment period that ends in December 2015 for coverage begin­ning January 2016 marks the third year of the health care exchanges or marketplaces and of coverage through new qualified health plans. This issue brief investigates several key changes to the qualified health plans, with a focus on increased transparency and consumer protections. A new out-of-pocket costs calculator, requirements regarding provider networks, and prescription drug cost-sharing requirements should serve to better inform and improve consumer selection. In addition, several policy changes will help individuals with more severe health needs. These include: improved prescription drug coverage for HIV/ AIDS and other conditions, allowing prescription drugs that are obtained through the "exceptions" process to count toward the out-of-pocket spending cap, more comprehensive and consistent habilitative coverage, and an individual out-of-pocket spending cap within the family out-of-pocket maximum.

12 CFR 573.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 573.16 Protection of Fair Credit... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 573.16... Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), and no inference shall be drawn on the basis of the...

12 CFR 40.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 40.16 Protection of Fair Credit... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 40.16... Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), and no inference shall be drawn on the basis of the...

12 CFR 716.16 - Protection of Fair Credit Reporting Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 716.16 Protection of... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 716.16... operation of the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), and no inference shall be drawn on the...

Research on the Problem and Countermeasures of Group-Buying

NASA Astrophysics Data System (ADS)

Dong, Yahui; Li, Wei; Cheng, Limin

The threshold of group-buying is low, so the group-buying develops very fast. But at the same time, there are many goods which have low price and high quality service which is false to get the network users' trust. Therefore, consumers should keep a clear head and avoiding straying into the trap of business, the website of group-buying should strengthen self-construction to safeguard the consumers' interest. In addition, government needs to play its due role to protect the legitimate right of the consumers.

Consumer risk perceptions toward agricultural biotechnology, self-protection, and food demand: the case of milk in the United States.

PubMed

Zepeda, Lydia; Douthitt, Robin; You, So-Ye

2003-10-01

This study is an econometric systems approach to modeling the factors and linkages affecting risk perceptions toward agricultural biotechnology, self-protection actions, and food demand. This model is applied to milk in the United States, but it can be adapted to other products as well as other categories of risk perceptions. The contribution of this formulation is the ability to examine how explanatory factors influence risk perceptions and whether they translate into behavior and ultimately what impact this has on aggregate markets. Hadden's outrage factors on heightening risk perceptions are among the factors examined. In particular, the article examines the role of labeling as a means of permitting informed consent to mitigate outrage factors. The effects of attitudinal, economic, and demographic factors on risk perceptions are also explored, as well as the linkage between risk perceptions, consumer behavior, and food demand. Because risk perceptions and self-protection actions are categorical variables and demand is a continuous variable, the model is estimated as a two-stage mixed system with a covariance correction procedure suggested by Amemiya. The findings indicate that it is the availability of labeling, not the price difference, between that labeled milk and milk produced with recombinant bovine Somatotropin (rbST) that significantly affects consumer's selection of rbST-free milk. The results indicate that greater availability of labeled milk would not only significantly increase the proportion of consumers who purchased labeled milk, its availability would also reduce the perception of risk associated with rbST, whether consumers purchase it or not. In other words, availability of rbST-free milk translates into lower risk perceptions toward milk produced with rbST.

Consumer and farmer safety evaluation of application of botanical pesticides in black pepper crop protection.

PubMed

Hernández-Moreno, David; Soffers, Ans E M F; Wiratno; Falke, Hein E; Rietjens, Ivonne M C M; Murk, Albertinka J

2013-06-01

This study presents a consumer and farmer safety evaluation on the use of four botanical pesticides in pepper berry crop protection. The pesticides evaluated include preparations from clove, tuba root, sweet flag and pyrethrum. Their safety evaluation was based on their active ingredients being eugenol, rotenone, β-asarone and pyrethrins, respectively. Botanical pesticides from Acorus calamus are of possible concern because of the genotoxic and carcinogenic ingredient β-asarone although estimated margins of exposure (MOE) for consumers indicate a low priority for risk management. For the other three botanical pesticides the margin of safety (MOS) between established acute reference doses and/or acceptable daily intake values and intake estimates for the consumer, resulting from their use as a botanical pesticide are not of safety concern, with the exception for levels of rotenone upon use of tuba root extracts on stored berries. Used levels of clove and pyrethrum as botanical pesticides in pepper berry crop production is not of safety concern for consumers or farmers, whereas for use of tuba root and sweet flag some risk factors were defined requiring further evaluation and/or risk management. It seems prudent to look for alternatives for use of sweet flag extracts containing β-asarone. Copyright © 2013 Elsevier Ltd. All rights reserved.

Evaluation of the Level of Food Safety Protection Provided by the U.S. Grade "A" Pasteurized Milk Ordinance and Its Associated Cooperative Grade "A" Milk Safety Program.

PubMed

Ma, Yinqing; Klontz, Karl C; DiNovi, Michael J; Edwards, Alison J; Hennes, Robert F

2015-08-01

The present study was conducted to evaluate the level of food safety protection provided to consumers of Grade "A" milk and milk products in the United States by the National Conference on Interstate Milk Shipments (NCIMS) Grade "A" Milk Safety Program through its implementation and enforcement of the U.S. Grade "A" Pasteurized Milk Ordinance (PMO). The number of reported illnesses associated with Grade "A" milk and milk products in the United States was obtained from state and federal agencies and published articles. The consumption of Grade "A" milk and milk products in the United States was estimated from food consumption survey data for individuals. The level of food safety protection was measured quantitatively using the metric of annual illness attack rate. During a 15-year period (1999 through 2013), the estimated annual illness attack rate was 0.41 reported illnesses per 1 billion exposures (estimated using person-day intake data) or 0.52 reported illnesses per 1 billion lb (454 million kg) of Grade "A" milk and milk products consumed. Food safety protection provided to consumers of Grade "A" milk and milk products by the NCIMS through its implementation and enforcement of the PMO is important given the common consumption of Grade "A" milk and milk products in the United States.

Patients as consumers of health care in South Africa: the ethical and legal implications.

PubMed

Rowe, Kirsten; Moodley, Keymanthri

2013-03-21

South Africa currently has a pluralistic health care system with separate public and private sectors. It is, however, moving towards a socialised model with the introduction of National Health Insurance. The South African legislative environment has changed recently with the promulgation of the Consumer Protection Act and proposed amendments to the National Health Act. Patients can now be viewed as consumers from a legal perspective. This has various implications for health care systems, health care providers and the doctor-patient relationship. Calling a recipient of health care a 'consumer' as opposed to a 'patient' has distinct connotations and may result in differential behaviour. Labels reflect the ideals of the context in which they are used. Various models of the doctor-patient relationship exist and different metaphors have been used to describe it. Increasingly there are third parties involved within the doctor-patient relationship making it more difficult for the doctor to play the fiduciary role. In certain parts of the world, there has been a shift from a traditional paternalistic model to a consumerist model. The ethical implications of the commodification of health care are complex. As health care becomes a 'product' supplied by the health care 'provider', there is the risk that doctors will replace professional ethics with those of the marketplace. Health care is a universal human need and cannot be considered a mere commodity. In modern medical ethics, great emphasis is placed on the principle of respect for patient autonomy. Patients are now the ultimate decision-makers. The new Consumer Protection Act in South Africa applies to consumers and patients alike. It enforces strict liability for harm caused by goods and services. Everyone in the supply chain, including the doctor, can be held jointly and severally liable. This may lead to enormous challenges in health care delivery. Viewing patients as consumers may be detrimental to the doctor-patient relationship. While it facilitates an emphasis on respect for patient autonomy, it inadvertently results in the commodification of health care. The new legislative environment in South Africa promotes the protection of patient rights. It may, however, contribute to increased medical litigation.

Progress and challenges associated with halal authentication of consumer packaged goods.

PubMed

Premanandh, Jagadeesan; Bin Salem, Samara

2017-11-01

Abusive business practices are increasingly evident in consumer packaged goods. Although consumers have the right to protect themselves against such practices, rapid urbanization and industrialization result in greater distances between producers and consumers, raising serious concerns on the supply chain. The operational complexities surrounding halal authentication pose serious challenges on the integrity of consumer packaged goods. This article attempts to address the progress and challenges associated with halal authentication. Advancement and concerns on the application of new, rapid analytical methods for halal authentication are discussed. The significance of zero tolerance policy in consumer packaged foods and its impact on analytical testing are presented. The role of halal assurance systems and their challenges are also considered. In conclusion, consensus on the establishment of one standard approach coupled with a sound traceability system and constant monitoring would certainly improve and ensure halalness of consumer packaged goods. © 2017 Society of Chemical Industry. © 2017 Society of Chemical Industry.

Methylene Chloride.

PubMed

Phillips, Jennan A

2018-02-01

Methylene chloride is an industrial solvent used in commercial paint strippers and degreasing agents. This chemical is widely used in consumer products, yet without appropriate protections, exposure may lead to death. Already banned in some countries, the Environmental Protection Agency (EPA) recently proposed limiting its use in the United States.

29 CFR 1985.103 - Filing of retaliation complaint.

Code of Federal Regulations, 2014 CFR

2014-07-01

..., DEPARTMENT OF LABOR (CONTINUED) PROCEDURES FOR HANDLING RETALIATION COMPLAINTS UNDER THE EMPLOYEE PROTECTION PROVISION OF THE CONSUMER FINANCIAL PROTECTION ACT OF 2010 Complaints, Investigations, Findings, and... 29 Labor 9 2014-07-01 2014-07-01 false Filing of retaliation complaint. 1985.103 Section 1985.103...

Group Management Method of RFID Passwords for Privacy Protection

NASA Astrophysics Data System (ADS)

Kobayashi, Yuichi; Kuwana, Toshiyuki; Taniguchi, Yoji; Komoda, Norihisa

When RFID tag is used in the whole item lifecycle including a consumer scene or a recycle scene, we have to protect consumer privacy in the state that RFID tag is stuck on an item. We use the low cost RFID tag that has the access control function using a password, and we propose a method which manages RFID tags by passwords identical to each group of RFID tags. This proposal improves safety of RFID system because the proposal method is able to reduce the traceability for a RFID tag, and hold down the influence for disclosure of RFID passwords in the both scenes.

Soft Fruit Traceability in Food Matrices using Real-Time PCR

PubMed Central

Palmieri, Luisa; Bozza, Elisa; Giongo, Lara

2009-01-01

Food product authentication provides a means of monitoring and identifying products for consumer protection and regulatory compliance. There is a scarcity of analytical methods for confirming the identity of fruit pulp in products containing Soft Fruit. In the present work we have developed a very sensible qualitative and quantitative method to determine the presence of berry DNAs in different food matrices. To our knowledge, this is the first study that shows the applicability, to Soft Fruit traceability, of melting curve analysis and multiplexed fluorescent probes, in a Real-Time PCR platform. This methodology aims to protect the consumer from label misrepresentation. PMID:22253987

Biopesticides--towards increased consumer safety in the European Union.

PubMed

Czaja, Katarzyna; Góralczyk, Katarzyna; Struciński, Paweł; Hernik, Agnieszka; Korcz, Wojciech; Minorczyk, Maria; Łyczewska, Monika; Ludwicki, Jan K

2015-01-01

The introduction of new food safety regulations in the European Union has resulted in the withdrawal of many synthetic active substances used in plant protection products, in light of their potential or actual harmful effect on human and animal health, as well as on the environment. Alternatives to these compounds are being developed - naturally occurring pesticides, also referred to as biopesticides. The use of biopesticides in crop protection leads to decreased levels of pesticide residues in foods, and as a result to lower risk levels for the consumer. Biologically active agents defined as biopesticides are varied, and therefore application of the same environmental and consumer safety criteria to all of them is impossible. This presents serious complications in the approval of these pesticides as active plant protection products and in their registration. It needs to be stressed that, in the registration procedure of the European Union, biopesticides are subject to the same regulations as synthetic active substances. This situation has resulted in the need to introduce numerous new provisions in the legislation, as well as the preparation of new guidelines facilitating the registration of biopesticides. These activities aim to promote naturally originating pesticides. © 2014 Society of Chemical Industry.

Intervention Model for Contaminated Consumer Products: A Multifaceted Tool for Protecting Public Health

PubMed Central

Ahmed, Munerah; Nagin, Deborah; Clark, Nancy

2014-01-01

Lead-based paint and occupational lead hazards remain the primary exposure sources of lead in New York City (NYC) children and men, respectively. Lead poisoning has also been associated with the use of certain consumer products in NYC. The NYC Department of Health and Mental Hygiene developed the Intervention Model for Contaminated Consumer Products, a comprehensive approach to identify and reduce exposure to lead and other hazards in consumer products. The model identifies hazardous consumer products, determines their availability in NYC, enforces on these products, and provides risk communication and public education. Implementation of the model has resulted in removal of thousands of contaminated products from local businesses and continues to raise awareness of these hazardous products. PMID:24922141

12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. [54 FR 49715, Nov. 30, 1989, as amended at 61 FR 50984, Sept. 30, 1996...

12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. [54 FR 49715, Nov. 30, 1989, as amended at 61 FR 50984, Sept. 30, 1996...

12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. [54 FR 49715, Nov. 30, 1989, as amended at 61 FR 50984, Sept. 30, 1996...

12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. [54 FR 49715, Nov. 30, 1989, as amended at 61 FR 50984, Sept. 30, 1996...

12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. [54 FR 49715, Nov. 30, 1989, as amended at 61 FR 50984, Sept. 30, 1996...

40 CFR 80.33 - Controls applicable to natural gas retailers and wholesale purchaser-consumers.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 16 2010-07-01 2010-07-01 false Controls applicable to natural gas... Prohibitions § 80.33 Controls applicable to natural gas retailers and wholesale purchaser-consumers. (a) After... feet of natural gas per month shall equip each pump from which natural gas is introduced into natural...

77 FR 27456 - Guidance on the Effective Date of Section 716 of the Dodd-Frank Wall Street Reform and Consumer...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-10

... DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency FEDERAL RESERVE SYSTEM... Street Reform and Consumer Protection Act AGENCY: Office of the Comptroller of the Currency (OCC... Corporation (FDIC). ACTION: Notice of joint guidance. SUMMARY: The Office of the Comptroller of the Currency...

The Pastoral Care of International Students in New Zealand: Is It More Than a Consumer Protection Regime?

ERIC Educational Resources Information Center

Sawir, Erlenawati; Marginson, Simon; Nyland, Chris; Ramia, Gaby; Rawlings-Sanaei, Felicity

2009-01-01

Student security is a composite social practice that includes the domains of consumer rights, entitlement to a range of welfare supports and pastoral care, and freedom from exploitation and discrimination. Three traditions shape the systems used for managing and regulating international student security in the nations that export education:…

40 CFR 80.33 - Controls applicable to natural gas retailers and wholesale purchaser-consumers.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 40 Protection of Environment 16 2011-07-01 2011-07-01 false Controls applicable to natural gas... Prohibitions § 80.33 Controls applicable to natural gas retailers and wholesale purchaser-consumers. (a) After... feet of natural gas per month shall equip each pump from which natural gas is introduced into natural...

Balancing consumer protection and scientific integrity in the face of uncertainty: the example of gluten-free foods.

PubMed

McCabe, Margaret Sova

2010-01-01

In 2009, gluten-free foods were not only "hot" in the marketplace, several countries, including the United States, continued efforts to define gluten-free and appropriate labeling parameters. The regulatory process illuminates how difficult regulations based on safe scientific thresholds can be for regulators, manufacturers and consumers. This article analyzes the gluten-free regulatory landscape, challenges to defining a safe gluten threshold, and how consumers might need more label information beyond the term "gluten-free." The article includes an overview of international gluten-free regulations, the Food and Drug Administration (FDA) rulemaking process, and issues for consumers.

78 FR 25353 - Proposed Guidance on Deposit Advance Products; Withdrawal of Proposed Guidance on Deposit-Related...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-04-30

... existing customer relationships. \\5\\ See OCC Bulletin, 2001-47, ``Third-Party Relationships: Risk Management Principles for Third-Party Relationships'' (November 1 2001). Compliance and Consumer Protection... protection statutes, management's oversight, and relationships with third parties will also be assessed...

78 FR 39714 - Agency Information Collection Activities: Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2013-07-02

... titled, ``Program Evaluation of Financial Empowerment Training Programs.'' DATES: Written comments are... Financial Protection Bureau (Attention: PRA Office), 1700 G Street NW., Washington, DC 20552. Please note... information should be directed to the Consumer Financial Protection Bureau, (Attention: PRA Office), 1700 G...

29 CFR 1985.105 - Issuance of findings and preliminary orders.

Code of Federal Regulations, 2014 CFR

2014-07-01

... ADMINISTRATION, DEPARTMENT OF LABOR (CONTINUED) PROCEDURES FOR HANDLING RETALIATION COMPLAINTS UNDER THE EMPLOYEE PROTECTION PROVISION OF THE CONSUMER FINANCIAL PROTECTION ACT OF 2010 Complaints, Investigations, Findings..., within 60 days of the filing of the complaint, written findings as to whether or not there is reasonable...

40 CFR 503.31 - Special definitions.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 503.31 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) SEWAGE SLUDGE STANDARDS... microorganisms in the absence of air. (c) Density of microorganisms is the number of microorganisms per unit mass...) Specific oxygen uptake rate (SOUR) is the mass of oxygen consumed per unit time per unit mass of total...

Consumer concerns: motivating to action.

PubMed Central

Bruhn, C. M.

1997-01-01

Microbiologic safety is consumers' most frequently volunteered food safety concern. An increase in the level of concern in recent years suggests that consumers are more receptive to educational information. However, changing lifestyles have lessened the awareness of foodborne illness, especially among younger consumers. Failure to fully recognize the symptoms or sources of foodborne disease prevents consumers from taking corrective action. Consumer education messages should include the ubiquity of microorganisms, a comprehensive description of foodborne illnesses, and prevention strategies. Product labels should contain food-handling information and warnings for special populations, and foods processed by newer safety-enhancing technologies should be more widely available. Knowledge of the consequences of unsafe practices can enhance motivation and adherence to safety guidelines. When consumers mishandle food during preparation, the health community, food industry, regulators, and the media are ultimately responsible. Whether inappropriate temperature control, poor hygiene, or another factor, the error occurs because consumers have not been informed about how to handle food and protect themselves. The food safety message has not been delivered effectively. PMID:9366604

Environmental Control and Life Support Systems for Mars Exploration: Issues and Concerns for Planetary Protection and the Protection of Science

NASA Astrophysics Data System (ADS)

Barta, Daniel J.; Lange, Kevin; Anderson, Molly; Vonau, Walter

2016-07-01

Planetary protection represents an additional set of requirements that generally have not been considered by developers of technologies for Environmental Control and Life Support Systems (ECLSS). Forward contamination concerns will affect release of gases and discharge of liquids and solids, including what may be left behind after planetary vehicles are abandoned upon return to Earth. A crew of four using a state of the art ECLSS could generate as much as 4.3 metric tons of gaseous, liquid and solid wastes and trash during a 500-day surface stay. These may present issues and concerns for both planetary protection and planetary science. Certainly, further closure of ECLSS systems will be of benefit by greater reuse of consumable products and reduced generation of waste products. It can be presumed that planetary protection will affect technology development by constraining how technologies can operate: limiting or prohibiting certain kinds of operations or processes (e.g. venting); necessitating that other kinds of operations be performed (e.g. sterilization; filtration of vent lines); prohibiting what can be brought on a mission (e.g. extremophiles); creating needs for new capabilities/ technologies (e.g. containment). Although any planned venting could include filtration to eliminate micro-organisms from inadvertently exiting the spacecraft, it may be impossible to eliminate or filter habitat structural leakage. Filtration will add pressure drops impacting size of lines and ducts, affect fan size and energy requirements, and add consumable mass. Technologies that may be employed to remove biomarkers and microbial contamination from liquid and solid wastes prior to storage or release may include mineralization technologies such as incineration, super critical wet oxidation and pyrolysis. These technologies, however, come with significant penalties for mass, power and consumables. This paper will estimate the nature and amounts of materials generated during Mars transit and surface stays that may be impacted by planetary protection requirements or be controlled for the protection of planetary science.

WATERBORNE PATHOGEN INVASIONS: A CASE FOR WATER QUALITY PROTECTION IN DISTRIBUTION PROTECTION IN DISTRIBUTION

EPA Science Inventory

No degree of treatment will insure the delivery of a safe water supplyto the consumer's tap when the distribution system is subject to cross-connections water pressure losses, frequent line breaks, open reservoirs and infrastructure deterioration. n one recent U.S. outbreak, wate...

Commercial Speech Protection and Alcoholic Beverage Advertising.

ERIC Educational Resources Information Center

Greer, Sue

An examination of the laws governing commercial speech protection and alcoholic beverage advertisements, this document details the legal precedents for and implications of banning such advertising. An introduction looks at the current amount of alcohol consumed in the United States and the recent campaigns to have alcoholic beverage ads banned.…

77 FR 61579 - Agency Information Collection Activities: Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2012-10-10

... (Attention: PRA Office), 1700 G Street NW., Washington, DC 20552; (202) 435-9011; and [email protected] should be directed to Consumer Financial Protection Bureau (Attention: PRA Office), 1700 G Street NW... financial regulations. These information collections will ask Providers of various sizes and mixes of...

76 FR 54998 - Request for Information on Consumer Financial Products and Services Offered to Servicemembers

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-06

... public disclosure. Sensitive personal information such as account numbers or Social Security numbers... in person and online? 4. What programs, policies, accommodations, or benefits do financial service... protections and fraud protections. 5. What unique assistance, if any, is currently offered by financial...

14 CFR 298.30 - Public disclosure of policy on consumer protection.

Code of Federal Regulations, 2011 CFR

2011-01-01

... (AVIATION PROCEEDINGS) ECONOMIC REGULATIONS EXEMPTIONS FOR AIR TAXI AND COMMUTER AIR CARRIER OPERATIONS... protection. (a) Every air taxi and commuter air carrier shall cause to be displayed continuously in a..., containing a statement setting forth the air taxi and commuter air carrier's policy on baggage liability and...

Protecting posted genes: social networking and the limits of GINA.

PubMed

Soo-Jin Lee, Sandra; Borgelt, Emily

2014-01-01

The combination of decreased genotyping costs and prolific social media use is fueling a personal genetic testing industry in which consumers purchase and interact with genetic risk information online. Consumers and their genetic risk profiles are protected in some respects by the 2008 federal Genetic Information Nondiscrimination Act (GINA), which forbids the discriminatory use of genetic information by employers and health insurers; however, practical and technical limitations undermine its enforceability, given the everyday practices of online social networking and its impact on the workplace. In the Web 2.0 era, employers in most states can legally search about job candidates and employees online, probing social networking sites for personal information that might bear on hiring and employment decisions. We examine GINA's protections for online sharing of genetic information as well as its limitations, and propose policy recommendations to address current gaps that leave employees' genetic information vulnerable in a Web-based world.

Unscientific health practice and disciplinary and consumer protection litigation.

PubMed

Freckelton, Ian

2011-06-01

Evidence-based health care is expected of their practitioners by contemporary health professions. This requires health care to have a foundation in scholarly literature and to have a scientifically valid methodology. However, there are many instances of registered and unregistered practitioners either providing assessment and treatment that does not conform to such requirements or making representations about likely efficacy that are unjustifiable by reference to peer-reviewed clinical knowledge. Sometimes such conduct is predatory and deliberately exploitative; other times it is simply misconceived on the part of practitioners who regard themselves as medical pioneers. This editorial situates such conduct within unscientific and unorthodox health practice. It surveys recent consumer protection and disciplinary decisions to evaluate the role of the law in regulating such conduct. It argues in favour of an assertive legal response to protect vulnerable patients or potential patients against forms of treatment and promises of outcomes that are unscientific and deceptive.

Is a Cardio-Protective Diet Sustainable? A Review of the Synergies and Tensions Between Foods That Promote the Health of the Heart and the Planet.

PubMed

Downs, Shauna M; Fanzo, Jessica

There are many synergies between a diet that is healthy for the heart and one that is healthy for the planet, but there may also be tensions. We examined the Barilla Center for Food and Nutrition's double pyramid to describe the carbon, water, and ecological footprints of the components of a cardio-protective diet. Overall, fruits, vegetables, and whole grains all tend to have low carbon and water footprints, while nuts and olive oil have relatively higher water footprints and fish have a high ecological footprint. In order to increase the sustainability of a cardio-protective diet, consumers can choose nuts (e.g., walnuts) and oils (e.g., sunflower) with lower water footprints and sustainably produced fish. However, in order to increase consumption of these foods, parallel efforts should be implemented targeting consumer knowledge and incentives to make these foods more affordable.

EMISSIONS FROM COMBUSTION OF POST-CONSUMER ...

EPA Pesticide Factsheets

Symposium Paper The Portland cement industry is interested in the utilization of post-consumer carpet as a fuel to replace a portion of its traditional fuels. In response to this interest, the Carpet and Rug Institute, US Department of Energy, Georgia Institute of Technology School of Chemical and Biomolecular Engineering, US Environmental Protection Agency, Lehigh Cement Company, and the American Society of Mechanical Engineers Research Committee on Industrial and Municipal Waste are performing a collaborative program to assess the feasibility of using cement kilns for the destruction of post-consumer carpet.

File a Consumer Complaint with the Alaska Attorney Generals Office

Science.gov Websites

. You can call our office if you have any questions at 907-269-5200, or toll free outside Anchorage at 1 -888-576-2529. Some documents on this page require Adobe Reader (available as a free download) to view Telemarketing Travel & Shopping Vehicles Contact Information Consumer Protection Unit 907-269-5200 Toll free

Telemarketing - Consumer Protection Topic

Science.gov Websites

telemarketer: says you've won a prize...or that it is a "free" offer, but that you need to send money of the consumer to cancel the order. When you agree to a free or "trial" product, (magazine free. You can register online at www.donotcall.gov or call 1-888-382-1222, TTY 1-866-290-4236, from the

76 FR 18354 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-04

...Effective July 21, 2011, the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amends the Truth in Lending Act (TILA) by increasing the threshold for exempt consumer credit transactions from $25,000 to $50,000. In addition, the Dodd-Frank Act provides that, on or after December 31, 2011, this threshold must be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers. Accordingly, the Board is making corresponding amendments to Regulation Z, which implements TILA, and to the accompanying staff commentary. Because the Dodd-Frank Act also increases the Consumer Leasing Act's threshold for exempt consumer leases from $25,000 to $50,000, the Board is making similar amendments to Regulation M elsewhere in today's Federal Register.

75 FR 78636 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-16

...Effective July 21, 2011, the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amends the Truth in Lending Act (TILA) by increasing the threshold for exempt consumer credit transactions from $25,000 to $50,000. In addition, the Dodd-Frank Act provides that, on or after December 31, 2011, this threshold must be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers. Accordingly, the Board is proposing to make corresponding amendments to Regulation Z, which implements TILA, and to the accompanying staff commentary. Because the Dodd-Frank Act also increases the Consumer Leasing Act's threshold for exempt consumer leases from $25,000 to $50,000, the Board is proposing similar amendments to Regulation M elsewhere in today's Federal Register.

Counterfeits or Shanzhai? The Role of Face and Brand Consciousness in Luxury Copycat Consumption.

PubMed

Jiang, Ling; Shan, Juan

2016-08-01

This study responds to the emergence of the Shanzhai phenomenon in the international marketplace and introduces the Shanzhai phenomenon into the consumer behavior literature by defining it and comparing it with well-known concepts like luxury counterfeits. More specifically, it examines how consumers' face and brand consciousness influence their willingness to buy luxury counterfeits rather than Shanzhai products. The results show that consumers who are more face conscious are more likely to choose luxury counterfeits than Shanzhai products. In addition, consumers' face consciousness elicits a high concern for well-known brands, which also in turn leads to a more favorable attitude toward luxury counterfeits than Shanzhai products. These findings enable researchers to better understand consumers' responses toward both Shanzhai and counterfeit products and help companies that are protecting their original brands to tailor their consumer-directed measures more effectively. © The Author(s) 2016.

78 FR 70193 - Consumer Leasing (Regulation M)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-25

...The Board and the Bureau are publishing final rules amending the official interpretations and commentary for the agencies' regulations that implement the Consumer Leasing Act (CLA). The Dodd- Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amended the CLA by requiring that the dollar threshold for exempt consumer leases be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the annual percentage increase in the CPI-W as of June 1, 2013, the Board and the Bureau are adjusting the exemption threshold to $53,500, effective January 1, 2014. Because the Dodd-Frank Act also requires similar adjustments in the Truth in Lending Act's threshold for exempt consumer credit transactions, the Board and the Bureau are making similar amendments to each of their respective regulations implementing the Truth in Lending Act elsewhere in the Federal Register.

76 FR 35721 - Consumer Leasing

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-20

...The Board is publishing a final rule amending the staff commentary that interprets the requirements of Regulation M, which implements the Consumer Leasing Act (CLA). Effective July 21, 2011, the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amends the CLA by increasing the threshold for exempt consumer leases from $25,000 to $50,000. In addition, the Dodd-Frank Act requires that this threshold be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Accordingly, based on the annual percentage increase in the CPI-W as of June 1, 2011, the Board is adjusting the exemption threshold from $50,000 to $51,800, effective January 1, 2012. Because the Dodd-Frank Act also requires similar adjustments in the Truth in Lending Act's threshold for exempt consumer credit transactions, the Board is making similar amendments to Regulation Z elsewhere in today's Federal Register.

78 FR 70194 - Truth in Lending (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-25

...The Board and the Bureau are publishing final rules amending the official interpretations and commentary for the agencies' regulations that implement the Truth in Lending Act (TILA). The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amended TILA by requiring that the dollar threshold for exempt consumer credit transactions be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the annual percentage increase in the CPI-W as of June 1, 2013, the Board and the Bureau are adjusting the exemption threshold to $53,500, effective January 1, 2014. Because the Dodd-Frank Act also requires similar adjustments in the Consumer Leasing Act's threshold for exempt consumer leases, the Board and the Bureau are making similar amendments to each of their respective regulations implementing the Consumer Leasing Act elsewhere in the Federal Register.

[Effectiveness of the Federal Inspectorate for the Protection of Consumer Rights and Human Welfare in the Novosibirsk Region in 2007 to 2009].

PubMed

Mikheev, V N; Ivanova, L K; Iagudin, B I; Turbinskiĭ, V V

2010-01-01

A system for monitoring and analyzing the effectiveness and efficiency of the performance of the Board of the Federal Inspectorate for the Protection of Consumer Rights and Human Welfare in the Novosibirsk Region was introduced into its activities to estimate the provision of the Novosibirsk Region's population with sanitary epidemiological wellbeing in 2007-2009. The introduction of monitoring was ascertained to increase the effectiveness of budgetary fund surveillance and spending, by predicting the effectiveness and choice of priority lines of activities, by increasing the quality of budgetary services rendered in the provision of sanitary and epidemiological well-being to the population.

Board certification in professional psychology: promoting competency and consumer protection.

PubMed

Cox, David R

2010-04-01

Board certification in psychology provides an opportunity for increased assessment of and demonstration of competence in the profession. In addition to serving as a means of consumer protection, it can serve the professional psychologist by providing the opportunity for increased income, professional satisfaction, facilitated mobility, and professional development. Jurisdictional and organizational recognition of the importance of board certification is increasing. This article uses the model and experience of the American Board of Professional Psychology, with particular attention to the American Board of Clinical Neuropsychology and the American Academy of Clinical Neuropsychology, to illustrate these benefits. Recent developments regarding board certification are described, as well as how to become involved in the process.

Defining Medically Necessary Services To Protect Children. Protecting Consumer Rights in Public Systems: Managed Mental Health Care Policy. A Series of Issue Papers on Contracting for Managed Behavioral Health Care, #5.

ERIC Educational Resources Information Center

Bazelon Center for Mental Health Law, Washington, DC.

This issue paper is designed to help families, advocates and policymakers ensure that "medically necessary" standards in public-sector contracts for managed mental health care protect children's rights, particularly the rights of children who have serious emotional disturbance. Fundamental principles for developing sound contracts for…

Risk and protective behaviours for residential carbon monoxide poisoning.

PubMed

Rupert, Douglas J; Poehlman, Jon A; Damon, Scott A; Williams, Peyton N

2013-04-01

Unintentional, non-fire-related carbon monoxide (CO) poisoning is a leading cause of poisoning death and injury in the USA. Residential poisonings caused by faulty furnaces are the most common type of CO exposure. However, these poisonings are largely preventable with annual furnace inspections and CO alarm installation. This study aimed to identify the knowledge, attitudes and beliefs that might lead consumers to adopt these protective behaviours. In August 2009, four focus groups (n=29) were conducted with homeowners in Chicago, Illinois, USA, to identify the knowledge, attitudes and beliefs that lead consumers to adopt risk and protective behaviours. Discussions were transcribed and the findings were analysed using an ordered meta-matrix. Focus group participants were aware of CO poisoning and supported the idea of regular furnace inspections. However, few participants consistently scheduled professional inspections for fear of costly repairs and unscrupulous contractors. Participants often owned CO alarms, but many did not locate them properly, nor maintain them. Some participants confused CO and natural gas and were unsure how to react if a CO alarm sounds. Participants stated that incentives, such as discounts and inspector selection tips, would make them more likely to schedule furnace inspections. Participants also identified trustworthy sources for CO education, including realtors, fire departments, home insurance agents and local media outlets. Participants' residential CO risk behaviours are not random but driven by underlying knowledge, attitudes and beliefs. Correcting misperceptions, providing incentives and partnering with trustworthy sources might encourage greater consumer adoption of protective behaviours.

Social representations of genetically modified foods and public willingness to consume such foods in Taiwan.

PubMed

Chen, Mei-Fang

2018-04-20

This study highlighted the relevance of how social representations of genetically modified (GM) foods influence the Taiwanese public's willingness to consume GM foods. Moderated regression analysis results revealed that the social representation dimensions of adherence to technology and food as a necessity positively influenced the public's willingness to consume GM foods; however, the dimension of resistance to and suspicion of novelties had a negative influence. Food technology neophobia played a role in predicting people's willingness to consume GM foods and exerted moderating effects to enhance the negative relationship between the respondents' resistance to and suspicion of novelties and their willingness to consume GM foods. This neophobia also changed the positive relationship between food as a necessity and willingness to consume GM foods into negative. One-way ANOVA results revealed that food technology neophobia influences the public's specific social representations of GM foods, personal domain-specific innovativeness, and willingness to consume GM foods. This article is protected by copyright. All rights reserved.

78 FR 25818 - Truth in Lending (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-03

...The Bureau of Consumer Financial Protection (Bureau) issues this final rule to amend Regulation Z, which implements the Truth in Lending Act (TILA), and the official interpretations to the regulation. Regulation Z generally prohibits a card issuer from opening a credit card account for a consumer, or increasing the credit limit applicable to a credit card account, unless the card issuer considers the consumer's ability to make the required payments under the terms of such account. Regulation Z currently requires that issuers consider the consumer's independent ability to pay, regardless of the consumer's age; in contrast, TILA expressly requires consideration of an independent ability to pay only for applicants who are under the age of 21. The final rule amends Regulation Z to remove the requirement that issuers consider the consumer's independent ability to pay for applicants who are 21 or older, and permits issuers to consider income and assets to which such consumers have a reasonable expectation of access.

The spread model of food safety risk under the supply-demand disturbance.

PubMed

Wang, Jining; Chen, Tingqiang

2016-01-01

In this paper, based on the imbalance of the supply-demand relationship of food, we design a spreading model of food safety risk, which is about from food producers to consumers in the food supply chain. We use theoretical analysis and numerical simulation to describe the supply-demand relationship and government supervision behaviors' influence on the risk spread of food safety and the behaviors of the food producers and the food retailers. We also analyze the influence of the awareness of consumer rights protection and the level of legal protection of consumer rights on the risk spread of food safety. This model contributes to the explicit investigation of the influence relationship among supply-demand factors, the regulation behavioral choice of government, the behavioral choice of food supply chain members and food safety risk spread. And this paper provides a new viewpoint for considering food safety risk spread in the food supply chain, which has a great reference for food safety management.

Differences in selected lifestyle risk factors for cardiovascular disease between Sri Lankans in Oslo, Norway, and in Kandy, Sri Lanka.

PubMed

Tennakoon, Sampath U B; Kumar, Bernadette N; Meyer, Haakon E

2015-03-01

Sri Lankans in Oslo have previously been shown to have lower risk of cardiovascular disease compared with those in Kandy, Sri Lanka. Here we present lifestyle risk factors for cardiovascular diseases: frequency and type of fat consumed, frequency of fruit and vegetable intake, alcohol consumption, and leisure time physical activity between 1145 Sri Lankans living in Oslo and 678 Tamils and Sinhalese Sri Lankans living in Kandy as possible explanatory factors for the differences observed. Those in Oslo were consuming healthier fats and reported higher levels of physical activity but frequency of vegetable and fruit consumption was lower. Alcohol consumption among women was negligible. Type of fats consumed might be protective for Oslo group compared with predominantly saturated fat diet in Kandy. Higher leisure time physical activity may also be protective for the Oslo group. Higher frequency of consumption of vegetables and fruits may be beneficial in Kandy. © 2013 APJPH.

25 years of European Union (EU) quality schemes for agricultural products and foodstuffs across EU Member States.

PubMed

Albuquerque, Tânia G; Oliveira, M Beatriz Pp; Costa, Helena S

2018-05-01

Consumers are increasingly turning their attention to the quality and origin of products that they consume. European Union (EU) quality schemes are associated with a label, which was introduced to allow consumers to perform an informed choice and to protect producers from unfair practices. This present study provides an overview of the last 25 years of EU quality schemes [Protected Designations of Origin (PDO), Protected Geographical Indications (PGI) and Traditional Specialities Guaranteed (TSG)] on agricultural products and foodstuffs across the 28 EU Member States. According to the results, it was possible to conclude that Southern European countries have the highest number of registered products. The most used EU quality scheme is PGI, followed by PDO. Concerning the analysis of the evolution in the last 25 years, the number of registered products among EU Member States has increased significantly. The fruit, vegetables and cereals (fresh or processed) category is the one that accounts for the highest percentage (26.8%) of registered products, followed by cheeses and meat products (cooked, salted, smoked) categories, with 17.2% and 13.5%, respectively. Further investigations should address consumer preferences, knowledge and attitudes, especially Northern European countries with a lower number of registered products. Moreover, the investigation and registration of products should be encouraged among all EU Member States to allow the maintenance of important elements of the history, culture and heritage of the local areas, regions and countries. © 2017 Society of Chemical Industry. © 2017 Society of Chemical Industry.

Drivers of high-involvement consumers' intention to buy PDO wines: Valpolicella PDO case study.

PubMed

Capitello, Roberta; Agnoli, Lara; Begalli, Diego

2016-08-01

This study investigates whether different sensory profiles of wines belonging to the same Protected Designation of Origin (PDO) are perceived as different products by consumers. It identifies the drivers of consumers' intention to buy preferred wines. Descriptive sensory analysis, consumer tests and consumer interviews were conducted to reach research aims. To perform the consumer tests and interviews, 443 consumers participated in the survey. The tasted wines comprised five samples representative of Valpolicella PDO wine. Analysis of variance tests, principal component analysis and linear and logit regressions were employed to verify the research hypotheses. The results demonstrated: (1) different sensory profiles exist within the Valpolicella PDO wine; (2) these sensory profiles result in consumers having the perception of diversified products; (3) the perception of differences was less marked for consumers than for trained assessors due to the different weight attributed to visual, aroma and the taste/mouthfeel hedonic dimensions; and (4) consumers' liking, as well as general perceptions, attitudes, preferences, wine knowledge and experience, contribute to consumers' intentions to buy more than the socio-demographic characteristics of consumers. The analysis of the drivers of consumers' intention to buy certain PDO wines provides new marketing insights into the roles of intrinsic quality, preferences and consumers' subjective characteristics in market segmentation. © 2015 Society of Chemical Industry. © 2015 Society of Chemical Industry.

Transnational Factors Influencing the Establishment of Educational Standards for Professional Licensure.

ERIC Educational Resources Information Center

Mirone, John A.

1999-01-01

Derives a connection between the quality of accreditation and education in one country and the public protection function of professional regulation in another, and highlights the critical importance of international standards for quality assurance of accreditation and education for consumer protection. The U.S. is used as a case study to outline…

Removal of Perfluorocarboxylic Acids (PFCAs) from Carpets Treated with Stain-protection Products by Using Carpet Cleaning Machines

EPA Science Inventory

PFCAs are found in a variety of consumer products, including, but not limited to, treated clothing and textiles, floor care products, paper containers for food, and carpets. For example, carpet that has been treated with stain-protection, carpet-care solutions, either by the manu...

An Overview: Consumer Protection in Higher Education. Why? For Whom? How?

ERIC Educational Resources Information Center

Willett, Sandra L.

The protection of the student and prospective student at the postsecondary level is examined. Twenty-five possible educational abuses and concerns, such as discriminatory refund policies and misrepresentation, identified by the Federal Interagency on Education are listed. Ten issues selected as the thrust of the first National Conference on…

75 FR 37242 - Requirements for Group Health Plans and Health Insurance Issuers Under the Patient Protection and...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-28

... Requirements for Group Health Plans and Health Insurance Issuers Under the Patient Protection and Affordable... Labor and the Office of Consumer Information and Insurance Oversight of the U.S. Department of Health... guidance to employers, group health plans, and health insurance issuers providing group health insurance...

Digital Citizenship. Technology Briefing. Number 2

ERIC Educational Resources Information Center

Alberta Education, 2013

2013-01-01

Students are spending an increased amount of time online. During this time, they are communicating with their peers, as well as consuming, sharing, and creating content. In the past, banning the use of personal devices and blocking online content was seen as a way to protect students from harmful content and protect the school's technology…

76 FR 1182 - Determination of System Attributes for the Tracking and Tracing of Prescription Drugs; Public...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-07

... and obtaining input from supply chain partners on attributes and standards for the identification... protecting public health by securing the drug supply chain against the introduction of counterfeit and other... supply chain and protecting consumers from the threats posed by counterfeit drugs. The ability to track...

3 CFR 8782 - Proclamation 8782 of March 5, 2012. National Consumer Protection Week, 2012

Code of Federal Regulations, 2013 CFR

2013-01-01

..., mortgages, and student loans, to build the foundation for a better tomorrow. These tools help bring our aspirations within reach and empower countless individuals to earn an education, afford a home, or raise a... highlighting the ways individuals and families can protect themselves from scams, fraud, and abuse. Robust...

77 FR 8034 - Semiannual Regulatory Agenda and Fiscal Year 2011 Regulatory Plan

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-13

... ``no'' for such fields. Because the CFPB is at an early stage of its operations, it is still in the... Financial Protection Bureau--Prerule Stage Regulation Sequence No. Title Identifier No. 492 Business Lending Data 3170-AA09 (Regulation B). Consumer Financial Protection Bureau--Proposed Rule Stage Regulation...

Copyrights in the Information Age: Betamax and the Congress.

ERIC Educational Resources Information Center

Williams, Russell B.

A question that now confronts producers, distributors, and consumers of information, as well as the manufacturers of information technology and the government is: what is the nature of copyright protection in the Information Age? Congress has a Constitutional mandate to protect the rights of innovators but has refused to act in the case of…

Bacteria-eating virus approved as food additive.

PubMed

Bren, Linda

2007-01-01

Not all viruses harm people. The Food and Drug Administration has approved a mixture of viruses as a food additive to protect people. The additive can be used in processing plants for spraying onto ready-to-eat meat and poultry products to protect consumers from the potentially life-threatening bacterium Listeria monocytogenes (L. monocytogenes).

State solar initiatives. Volume 1: A review

NASA Astrophysics Data System (ADS)

Koontz, R.; Neuendorffer, J.; Green, B.; Gordon, N.; Myring, G.; Perwin, E.; Poster, B.; Small, D.; Myring, L.

1981-09-01

The impacts of solar energy programs undertaken in California, Florida, New Mexico, Minnesota, and New York are reviewed. Initiatives were explored: information outreach activities; consumer protection programs including standards, testing, certification, warranties, licensing, and consumer complaint offices; and tax credits and rebates. The experience in these five states is analyzed and conclusions and recommendations that will assist state governments in improving or launching their own programs are presented.

The Minimal Cost of Life in Space

NASA Astrophysics Data System (ADS)

Drysdale, A.; Rutkze, C.; Albright, L.; Ladue, R.

Life in space requires protection from the external environment, provision of a suitable internal environment, provision of consumables to maintain life, and removal of wastes. Protection from the external environment will mainly require shielding from radiation and meteoroids. Provision of a suitable environment inside the spacecraft will require provision of suitable air pressure and composition, temperature, and protection from environmental toxins (trace contaminants) and pathogenic micro-organisms. Gravity may be needed for longer missions to avoid excessive changes such as decalcification and muscle degeneration. Similarly, the volume required per crewmember will increase as the mission duration increases. Consumables required include oxygen, food, and water. Nitrogen might be required, depending on the total pressure and non-metabolic losses. We normally provide these consumables from the Earth, with a greater or lesser degree of regeneration. In principle, all consumables can be regenerated. Water and air are easiest to regenerate. At the present time, food can only be regenerated by using plants, and higher plants at that. Waste must be removed, including carbon dioxide and other metabolic waste as well as trash such as food packaging, filters, and expended spare parts. This can be done by dumping or regeneration. The minimal cost of life in space would be to use a synthesis process or system to regenerate all consumables from wastes. As the efficiency of the various processes rises, the minimal cost of life support will fall. However, real world regeneration requires significant equipment, power, and crew time. Make-up will be required for those items that cannot be economically regenerated. For very inefficient processes, it might be cheaper to ship all or part of the consumables. We are currently far down the development curve, and for short missions it is cheaper to ship consumables. For longer duration missions, greater closure is cost effective. However, there will always be losses and inefficiencies. An example is provided using the Cornell Controlled Environment Agriculture experimental unit to define the real-world state of the art. This unit produces lettuce on a small but commercial scale. System inputs and outputs are well documented. Some changes can be identified that could be made to reduce the cost of such a system in space. Other changes would be speculative. The mission impact of such a plant production system is estimated using an equivalent system mass approach.

Patients as consumers of health care in South Africa: the ethical and legal implications

PubMed Central

2013-01-01

Background South Africa currently has a pluralistic health care system with separate public and private sectors. It is, however, moving towards a socialised model with the introduction of National Health Insurance. The South African legislative environment has changed recently with the promulgation of the Consumer Protection Act and proposed amendments to the National Health Act. Patients can now be viewed as consumers from a legal perspective. This has various implications for health care systems, health care providers and the doctor-patient relationship. Discussion Calling a recipient of health care a ‘consumer’ as opposed to a ‘patient’ has distinct connotations and may result in differential behaviour. Labels reflect the ideals of the context in which they are used. Various models of the doctor-patient relationship exist and different metaphors have been used to describe it. Increasingly there are third parties involved within the doctor-patient relationship making it more difficult for the doctor to play the fiduciary role. In certain parts of the world, there has been a shift from a traditional paternalistic model to a consumerist model. The ethical implications of the commodification of health care are complex. As health care becomes a ‘product’ supplied by the health care ‘provider’, there is the risk that doctors will replace professional ethics with those of the marketplace. Health care is a universal human need and cannot be considered a mere commodity. In modern medical ethics, great emphasis is placed on the principle of respect for patient autonomy. Patients are now the ultimate decision-makers. The new Consumer Protection Act in South Africa applies to consumers and patients alike. It enforces strict liability for harm caused by goods and services. Everyone in the supply chain, including the doctor, can be held jointly and severally liable. This may lead to enormous challenges in health care delivery. Summary Viewing patients as consumers may be detrimental to the doctor-patient relationship. While it facilitates an emphasis on respect for patient autonomy, it inadvertently results in the commodification of health care. The new legislative environment in South Africa promotes the protection of patient rights. It may, however, contribute to increased medical litigation. PMID:23514130

Influence of quality labels on the formation of preferences of lamb meat consumers. A Spanish case study.

PubMed

Bernabéu, Rodolfo; Rabadán, Adrián; El Orche, Nour E; Díaz, Mónica

2018-01-01

Analysis of the attributes determining the formation of consumers' preferences when buying lamb meat is a key aspect in increasing the demand for this product. To this end, by means of conjoint analysis, we determined lamb meat consumers' preferences according to their frequency of consumption, and we used logistic simulation to analyse market shares of the most valued attributes. After segmenting the market into habitual and occasional consumers of lamb meat, our results seem to suggest that while regular consumers base their preferences mostly on origin, occasional consumers take other attributes into account, such as Protected Geographical Origin (PGI) and organic production. An analysis of market shares shows that PGI significantly influences consumer preferences, while ecological production has a less marked impact. This finding confirms the usefulness of PGI in the lamb meat market and highlights the urgent need to improve the communication strategy of the organic production sector as a synergistic effect to increase its acceptance among consumers. Copyright © 2017 Elsevier Ltd. All rights reserved.

Model Year 2013 Fuel Economy Guide: EPA Fuel Economy Estimates

DOE Office of Scientific and Technical Information (OSTI.GOV)

None

2012-12-01

The Fuel Economy Guide is published by the U.S. Department of Energy as an aid to consumers considering the purchase of a new vehicle. The Guide lists estimates of miles per gallon (mpg) for each vehicle available for the new model year. These estimates are provided by the U.S. Environmental Protection Agency in compliance with Federal Law. By using this Guide, consumers can estimate the average yearly fuel cost for any vehicle. The Guide is intended to help consumers compare the fuel economy of similarly sized cars, light duty trucks and special purpose vehicles.

Model Year 2012 Fuel Economy Guide: EPA Fuel Economy Estimates

DOE Office of Scientific and Technical Information (OSTI.GOV)

None

2011-11-01

The Fuel Economy Guide is published by the U.S. Department of Energy as an aid to consumers considering the purchase of a new vehicle. The Guide lists estimates of miles per gallon (mpg) for each vehicle available for the new model year. These estimates are provided by the U.S. Environmental Protection Agency in compliance with Federal Law. By using this Guide, consumers can estimate the average yearly fuel cost for any vehicle. The Guide is intended to help consumers compare the fuel economy of similarly sized cars, light duty trucks and special purpose vehicles.