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...

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...

16 CFR 0.17 - Bureau of Consumer Protection.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 16 Commercial Practices 1 2010-01-01 2010-01-01 false Bureau of Consumer Protection. 0.17 Section... ORGANIZATION § 0.17 Bureau of Consumer Protection. The Bureau investigates unfair or deceptive acts or..., and international agencies and organizations in consumer protection enforcement and regulatory matters...

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...

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...

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…

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.

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...

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...

16 CFR 0.17 - Bureau of Consumer Protection.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 16 Commercial Practices 1 2011-01-01 2011-01-01 false Bureau of Consumer Protection. 0.17 Section... ORGANIZATION § 0.17 Bureau of Consumer Protection. The Bureau investigates unfair or deceptive acts or... seeks civil penalties or consumer redress for their violation, as well as injunctive and other equitable...

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...

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...

78 FR 32651 - Agency Information Collection Activities; Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-31

... dealers, and its shared enforcement with the Consumer Financial Protection Bureau (``CFPB'') of the...: Monique Einhorn, Attorney, Division of Privacy and Identity Protection, Bureau of Consumer Protection... Reform and Consumer Protection Act (Pub. L. 111-203, 124 Stat. 1376 (2010)) that are predominantly...

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...

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.

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 374.1 - 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 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...

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...

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...

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.

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...

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...

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...

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...

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...

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...

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...

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...

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.

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.

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...

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.

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.

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

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.

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.

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...

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.

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 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...

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 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 35722 - Truth in Lending

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 Z, which implements the Truth in Lending Act (TILA). Effective July 21, 2011, the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd- Frank Act) amends TILA by increasing the threshold for exempt consumer credit transactions 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 Consumer Leasing Act's threshold for exempt consumer leases, the Board is making similar amendments to Regulation M elsewhere in today's Federal Register.

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.

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 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...

[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.

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...

75 FR 17918 - Advisory Board to the Consumer Operated and Oriented Plan (CO-OP) Program

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-08

...: The Patient Protection and Affordable Care Act requires the Secretary of Health and Human Services to... program. The Patient Protection and Affordable Care Act gave the Comptroller General of the United States... described in section 1805(c)(2) of the Social Security Act. Appointments are to be made not later than three...

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 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...

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...

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...

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.

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:

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...

77 FR 69735 - Consumer Leasing (Regulation M)

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-21

...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). Effective July 21, 2011, the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amended the CLA by increasing the threshold for exempt consumer leases from $25,000 to $50,000 and requiring that, on or after December 31, 2011, 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, the exemption threshold was adjusted to $51,800 effective January 1, 2012. Based on the annual percentage increase in the CPI-W as of June 1, 2012, the Board and the Bureau are adjusting the exemption threshold from $51,800 to $53,000, effective January 1, 2013. 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.

77 FR 69736 - Truth in Lending (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-21

...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). Effective July 21, 2011, the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amended TILA by increasing the threshold for exempt consumer credit transactions from $25,000 to $50,000 and requiring that, on or after December 31, 2011, 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, the exemption threshold was adjusted to $51,800 effective January 1, 2012. Based on the annual percentage increase in the CPI-W as of June 1, 2012, the Board and the Bureau are adjusting the exemption threshold from $51,800 to $53,000, effective January 1, 2013. 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.

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:

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:

78 FR 4725 - Escrow Requirements Under the Truth in Lending Act (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-22

...The Bureau of Consumer Financial Protection (Bureau) is publishing a final rule that amends Regulation Z (Truth in Lending) to implement certain amendments to the Truth in Lending Act made by the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). Regulation Z currently requires creditors to establish escrow accounts for higher-priced mortgage loans secured by a first lien on a principal dwelling. The rule implements statutory changes made by the Dodd-Frank Act that lengthen the time for which a mandatory escrow account established for a higher-priced mortgage loan must be maintained. The rule also exempts certain transactions from the statute's escrow requirement. The primary exemption applies to mortgage transactions extended by creditors that operate predominantly in rural or underserved areas, originate a limited number of first-lien covered transactions, have assets below a certain threshold, and do not maintain escrow accounts on mortgage obligations they currently service.

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...

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...

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:

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...

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.

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...

78 FR 62993 - Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-10-23

... (Regulation X) and the Truth in Lending Act (Regulation Z) AGENCY: Bureau of Consumer Financial Protection... Procedures Act (Regulation X) (2013 RESPA Servicing Final Rule); \\1\\ (2) the Mortgage Servicing Rules under... Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X) (2013 HOEPA...

76 FR 5774 - Planning and Establishment of Consumer Operated and Oriented Plan Program; Request for Comments...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-02-02

...This document is a request for comments regarding the provisions of section 1322 of the Patient Protection and Affordable Care Act (the Affordable Care Act), enacted on March 23, 2010, which requires the Secretary to establish the Consumer Operated and Oriented Plan program. The Secretary of Health and Human Services invites public comments in advance of future rulemaking and grant and loan solicitations.

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...

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.

78 FR 79465 - International Drug Scheduling; Convention on Psychotropic Substances; Single Convention on...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-30

... Essential Medicines and Health Products (EMP): http://www.who.int/medicines/areas/quality_safety/ECDD/en... medicine: --Please mention other, if any, medical use not included in the approved indications (off label...: (Controlled substances act/ Medicines law/Poisons acts/Consumer protection acts/Generic legislation/Analogue...

75 FR 72581 - Assessments, Assessment Base and Rates

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-24

... implement revisions to the Federal Deposit Insurance Act made by the Dodd-Frank Wall Street Reform and... The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) requires that the FDIC... a true reflection of the entire quarter. Second, the definition of tangible equity should reflect an...

Patient Protection and Affordable Care Act; program integrity: Exchange, SHOP, and eligibility appeals. Final rule.

PubMed

2013-08-30

This final rule implements provisions of the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010 (collectively referred to as the Affordable Care Act). Specifically, this final rule outlines Exchange standards with respect to eligibility appeals, agents and brokers, privacy and security, issuer direct enrollment, and the handling of consumer cases. It also sets forth standards with respect to a State's operation of the Exchange and Small Business Health Options Program (SHOP). It generally is finalizing previously proposed policies without change.

77 FR 12255 - Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-29

...: Section 1042 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the Dodd-Frank Act), Public..., described in Section 1042(b) of the Dodd-Frank Act, by which State Officials notify the Bureau of actions undertaken pursuant to the authority granted in section 1042(a) to enforce Title X of the Dodd-Frank Act or...

77 FR 76075 - Whistleblower Protection Advisory Committee (WPAC)

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-26

... workers and employers, improving the investigative and enforcement process, improvements of regulations..., 49 U.S.C. 42121; the Sarbanes-Oxley Act, 18 U.S.C. 1514A; the Pipeline Safety Improvement Act, 49 U.S... Act, 6 U.S.C. 1142; the Consumer Product Safety Improvement Act, 15 U.S.C. 2087; Section 1558 of the...

77 FR 54843 - Integrated Mortgage Disclosures Under the Real Estate Settlement Procedure Act (Regulation X) and...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-09-06

... Integrated Mortgage Disclosures Under the Real Estate Settlement Procedure Act (Regulation X) and the Truth... Consumer Protection Act (Dodd-Frank Act). The proposed rule, which would amend Regulation X (RESPA) and... rule would amend Regulation X (RESPA) and Regulation Z (TILA). The notice was published in the Federal...

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...

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...

77 FR 29345 - Sunshine Act Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-17

... of the Currency), Director Richard Cordray (Director, Consumer Financial Protection Bureau) and Acting Chairman Martin J. Gruenberg, that Corporation business required its consideration of the matters... earlier notice of the meeting was practicable; that the public interest did not require consideration of...

77 FR 54844 - High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-09-06

... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1026 [Docket No. CFPB-2012-0029] RIN 3170-AA12 High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X...

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...

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...

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.

76 FR 63573 - Roundtable on Issues Relating to Conflict Minerals

Federal Register 2010, 2011, 2012, 2013, 2014

2011-10-13

...-10] Roundtable on Issues Relating to Conflict Minerals AGENCY: Securities and Exchange Commission... Consumer Protection Act (the ``Act''), which relates to reporting requirements regarding conflict minerals... of conflict minerals from the Democratic Republic of the Congo and adjoining countries. On December...

75 FR 70310 - Sunshine Act Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-17

... Consumer Protection Act governing the security-based swap data repository registration process, the duties of such repositories, and the core principles applicable to such repositories. 4. The Commission will... security-based swap data repositories or the Commission and the public dissemination of security-based swap...

77 FR 51898 - Registration of Intermediaries

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-28

... Title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) regarding... of preferred stock. However, upon further reflection, the Commission is concerned that the Proposal...; (4) sound risk management practices; and (5) other public interest considerations. The Commission...

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...

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...

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...

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...

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...

78 FR 25428 - Privacy Act of 1974, as Amended

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-01

... individual for the purpose of conducting a background investigation; (b) education, registration in... contract, service, cooperative agreement, job, or other activity on behalf of the CFPB or Federal... the Privacy Act of 1974, as amended, the Bureau of Consumer Financial Protection, hereinto referred to...

77 FR 68121 - Notice of Sunshine Act Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-15

... Acting Chairman Martin J. Gruenberg, that Corporation business required its consideration of the matters..., Consumer Financial Protection Bureau), seconded by Director Thomas M. Hoenig (Appointive), concurred in by... earlier notice of the meeting was practicable; that the public interest did not require consideration of...

78 FR 29771 - Notice of Formula Allocations and Program Requirements for Neighborhood Stabilization Programs 1...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-21

... impairments may access this number via TTY by calling the Federal Relay Service at 800-877-8339. FAX inquiries... and Consumer Protection Act of 2010 (Pub. L. 111-203, approved July 21, 2010) (Dodd-Frank Act) for the...

76 FR 6715 - Swap Trading Relationship Documentation Requirements for Swap Dealers and Major Swap Participants

Federal Register 2010, 2011, 2012, 2013, 2014

2011-02-08

... VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). Section 731 of... registered entities and intermediaries subject to the Commission's oversight. \\1\\ See Dodd-Frank Wall Street... section 701 of the Dodd-Frank Act, Title VII may be cited as the ``Wall Street Transparency and...

78 FR 45842 - Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedure Act (Regulation...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-07-30

... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Parts 1024 and 1026 [Docket No. CFPB-2013-0010] RIN 3170-AA37 Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedure Act (Regulation X) and the Truth in Lending Act (Regulation Z) Correction In rule document 2013-16962, appearing...

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...

76 FR 12888 - Registration of Intermediaries

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-09

... enacted by Title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act... list of principals remains a meaningful reflection of the persons who actually exercise control over... the futures markets; (3) price discovery; (4) sound risk management practices; and (5) other public...

78 FR 46583 - Agency Information Collection Activities; Proposed Collection; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-01

... ask the Office of Management and Budget (OMB) to extend through November 30, 2016, the current Paperwork Reduction Act (PRA) clearance for the FTC's shared enforcement with the Consumer Financial Protection Bureau (CFPB) of the information collection requirements in Regulation N (Mortgage Acts and...

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...

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...

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...

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...

76 FR 54537 - Swap Data Repositories: Registration Standards, Duties and Core Principles

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-01

...The Commodity Futures Trading Commission (``CFTC'' or ``Commission'') is adopting its regulations to implement section 21 of the Commodity Exchange Act (``CEA'' or ``Act''), which establishes registration requirements, statutory duties, core principles and certain compliance obligations for registered swap data repositories (``SDRs''). Section 21 of the CEA was added by section 728 of the Dodd- Frank Wall Street Reform and Consumer Protection Act (``Dodd-Frank Act'').

76 FR 43237 - Patient Protection and Affordable Care Act; Establishment of Consumer Operated and Oriented Plan...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-20

... General OMB Office of Management and Budget PHS Act Public Health Service Act QHP Qualified Health Plan...) performs some of the issuer's management functions under contract or delegation. Thus, CMS would permit a... billing, and case management from a health insurance issuer that existed on July 16, 2009, as long as the...

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...

76 FR 3929 - Sunshine Act Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-21

... subject matter of the Open Meeting will be: Item 1: The Commission will consider whether to adopt rules to... 413(a) of the Dodd-Frank Wall Street Reform and Consumer Protection Act regarding the definition of... ascertain what, if any, matters have been added, deleted or postponed, please contact: The Office of the...

76 FR 34010 - Credit Risk Retention

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-10

... 2501-AD53 Credit Risk Retention AGENCIES: Office of the Comptroller of the Currency, Treasury (OCC... credit risk retention requirements of section 15G of the Securities Exchange Act of 1934, as added by the Dodd-Frank Wall Street Reform and Consumer Protection Act (``Credit Risk NPR'' or ``proposed rule...

76 FR 30250 - Share Insurance and Appendix

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-25

...-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) \\1\\ provides that, on a temporary... the time of failure. For example, if pursuant to an agreement between an insured credit union and its... unions would retain flexibility regarding the form of the notice. Therefore, in conjunction with...

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...

75 FR 79992 - End-User Exception to Mandatory Clearing of Security-Based Swaps

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-21

...In accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (``Dodd-Frank Act''), the Securities and Exchange Commission (``Commission'') is proposing new Rule 3Cg-1 under the Securities Exchange Act of 1934 (``Exchange Act'') governing the exception to mandatory clearing of security-based swaps available for counterparties meeting certain conditions. The Commission is requesting comments on the proposed rule and related matters.

75 FR 9691 - Review of the Commission's Program Access Rules and Examination of Programming Tying Arrangements

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-03

... collection requirements subject to the Paperwork Reduction Act of 1995 (PRA), Public Law 104-13 (44 U.S.C... to the Small Business Paperwork Relief Act of 2002, Public Law 107-198, see 44 U.S.C. 3506(c)(4), we... Cable Television Consumer Protection and Competition Act of 1992, Public Law 102-385, 106 Stat. 1460...

Commercial Seafood Consumer Protection Act

THOMAS, 112th Congress

Sen. Inouye, Daniel K. [D-HI

2011-01-25

Senate - 01/26/2012 Placed on Senate Legislative Calendar under General Orders. Calendar No. 297. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Discount Pricing Consumer Protection Act

THOMAS, 112th Congress

Sen. Kohl, Herb [D-WI

2011-01-25

Senate - 11/03/2011 Placed on Senate Legislative Calendar under General Orders. Calendar No. 215. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Discount Pricing Consumer Protection Act

THOMAS, 111th Congress

Sen. Kohl, Herb [D-WI

2009-01-06

Senate - 07/21/2010 Placed on Senate Legislative Calendar under General Orders. Calendar No. 473. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

77 FR 41213 - Cross-Border Application of Certain Swaps Provisions of the Commodity Exchange Act

Federal Register 2010, 2011, 2012, 2013, 2014

2012-07-12

... Consumer Protection Act In the fall of 2008 a series of large financial institution failures triggered a... lack of supervisory oversight for certain financial institutions as a whole, and the interconnectedness... $700 billion of troubled assets that weighed down the balance sheets of U.S. financial institutions...

75 FR 52512 - Acceptance of Public Submissions on the Wall Street Reform and Consumer Protection Act and the...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-08-26

... derivatives market. The Commission welcomes the views of interested parties on the Dodd-Frank Act and the... requirements so that regulators can police the markets. Increase transparency in the derivatives marketplace by... (``OTC'') derivatives marketplace for the first time. The Commodity Futures Trading Commission (``CFTC...

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.

Oil Consumer Protection Act of 2011

THOMAS, 112th Congress

Rep. Conyers, John, Jr. [D-MI-14

2011-05-13

House - 08/25/2011 Referred to the Subcommittee on Intellectual Property, Competition and the Internet. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Commercial Seafood Consumer Protection Act

THOMAS, 111th Congress

Sen. Inouye, Daniel K. [D-HI

2010-09-29

Senate - 09/29/2010 Read twice and referred to the Committee on Commerce, Science, and Transportation. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Broadband Service Consumer Protection Act

THOMAS, 111th Congress

Sen. Klobuchar, Amy [D-MN

2010-03-15

Senate - 03/15/2010 Read twice and referred to the Committee on Commerce, Science, and Transportation. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Consumer Protection and Regulatory Enhancement Act

THOMAS, 111th Congress

Rep. Bachus, Spencer [R-AL-6

2009-07-23

House - 06/22/2010 Referred to the Subcommittee on General Farm Commodities and Risk Management. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

7 CFR 1942.104 - Application processing.

Code of Federal Regulations, 2012 CFR

2012-01-01

... needed and generally try to develop and maintain a cooperative working relationship with the applicant... applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency...

7 CFR 1942.104 - Application processing.

Code of Federal Regulations, 2013 CFR

2013-01-01

... needed and generally try to develop and maintain a cooperative working relationship with the applicant... applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency...

7 CFR 1942.104 - Application processing.

Code of Federal Regulations, 2014 CFR

2014-01-01

... needed and generally try to develop and maintain a cooperative working relationship with the applicant... applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency...

7 CFR 1942.104 - Application processing.

Code of Federal Regulations, 2011 CFR

2011-01-01

... needed and generally try to develop and maintain a cooperative working relationship with the applicant... applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency...

Protecting Consumers through Proper Forbearance Procedures Act

THOMAS, 111th Congress

Rep. Dingell, John D. [D-MI-15

2009-01-09

House - 01/14/2009 Referred to the Subcommittee on Communications, Technology, and the Internet. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

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…

Insurance Consumer Protection and Solvency Act of 2012

THOMAS, 112th Congress

Rep. Posey, Bill [R-FL-15

2012-09-14

House - 10/01/2012 Referred to the Subcommittee on Insurance, Housing and Community Opportunity. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Pipeline Modernization and Consumer Protection Act

THOMAS, 113th Congress

Sen. Markey, Edward J. [D-MA

2013-11-21

Senate - 11/21/2013 Read twice and referred to the Committee on Commerce, Science, and Transportation. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Discount Pricing Consumer Protection Act of 2011

THOMAS, 112th Congress

Rep. Johnson, Henry C. "Hank," Jr. [D-GA-4

2011-11-14

House - 11/21/2011 Referred to the Subcommittee on Intellectual Property, Competition and the Internet. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

TBTF Act

THOMAS, 113th Congress

Sen. Brown, Sherrod [D-OH

2013-04-24

Senate - 01/08/2014 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:

Consumer Protection Home Inspection Counseling Act of 2012

THOMAS, 112th Congress

Rep. Velazquez, Nydia M. [D-NY-12

2012-03-20

House - 04/26/2012 Referred to the Subcommittee on Insurance, Housing and Community Opportunity. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Consumer Recall Protection Act of 2011

THOMAS, 112th Congress

Sen. Schumer, Charles E. [D-NY

2011-02-14

Senate - 02/14/2011 Read twice and referred to the Committee on Commerce, Science, and Transportation. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

77 FR 9733 - Business Conduct Standards for Swap Dealers and Major Swap Participants With Counterparties

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-17

...The Commodity Futures Trading Commission (``Commission'' or ``CFTC'') is adopting final rules to implement Section 4s(h) of the Commodity Exchange Act (``CEA'') pursuant to Section 731 of Title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the ``Dodd-Frank Act''). These rules prescribe external business conduct standards for swap dealers and major swap participants.

Insurance Consumer Protection and Solvency Act of 2013

THOMAS, 113th Congress

Rep. Posey, Bill [R-FL-8

2013-02-08

House - 05/20/2014 Hearings Held by the Subcommittee on Housing and Insurance Prior to Referral. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Empowering States' Rights To Protect Consumers Act

THOMAS, 112th Congress

Sen. Whitehouse, Sheldon [D-RI

2011-11-08

Senate - 11/08/2011 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 Debit Card Protection Act of 2014

THOMAS, 113th Congress

Sen. Warner, Mark R. [D-VA

2014-04-02

Senate - 04/02/2014 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:

Gift Card Consumer Protection Act of 2012

THOMAS, 112th Congress

Sen. Blumenthal, Richard [D-CT

2012-11-26

Senate - 11/26/2012 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:

Debt Settlement Consumer Protection Act of 2010

THOMAS, 111th Congress

Sen. Schumer, Charles E. [D-NY

2010-04-27

Senate - 04/27/2010 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:

Bureau of Consumer Financial Protection Judicial Fairness Act

THOMAS, 113th Congress

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

2013-09-26

House - 10/15/2013 Referred to the Subcommittee on Regulatory Reform, Commercial And Antitrust Law. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Prepaid Calling Card Consumer Protection Act of 2009

THOMAS, 111th Congress

Sen. Nelson, Bill [D-FL

2009-03-10

Senate - 03/10/2009 Read twice and referred to the Committee on Commerce, Science, and Transportation. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Protecting Consumer Access to Generic Drugs Act of 2013

THOMAS, 113th Congress

Rep. Rush, Bobby L. [D-IL-1

2013-12-11

House - 01/27/2014 Referred to the Subcommittee on Courts, Intellectual Property, and the Internet. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Protecting Consumer Access to Generic Drugs Act of 2012

THOMAS, 112th Congress

Rep. Rush, Bobby L. [D-IL-1

2012-02-09

House - 02/16/2012 Referred to the Subcommittee on Intellectual Property, Competition and the Internet. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Prepaid Card Consumer Protection Act of 2010

THOMAS, 111th Congress

Sen. Menendez, Robert [D-NJ

2010-12-17

Senate - 12/17/2010 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:

Prepaid Card Consumer Protection Act of 2013

THOMAS, 113th Congress

Sen. Menendez, Robert [D-NJ

2013-12-19

Senate - 12/19/2013 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:

Prepaid Card Consumer Protection Act of 2011

THOMAS, 112th Congress

Sen. Menendez, Robert [D-NJ

2011-12-17

Senate - 12/17/2011 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 Credit and Debt Protection Act

THOMAS, 111th Congress

Rep. Rush, Bobby L. [D-IL-1

2009-05-07

House - 06/03/2009 Forwarded by Subcommittee to Full Committee (Amended) by the Yeas and Nays: 16 - 9 . (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Consumer Financial Protection Commission Act of 2014

THOMAS, 113th Congress

Sen. Fischer, Deb [R-NE

2014-04-03

Senate - 04/03/2014 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:

78 FR 6025 - Electronic Fund Transfers (Regulation E) Temporary Delay of Effective Date

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-29

... requirements set forth in section 1073 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd...: I. Overview Section 1073 of the Dodd-Frank Act \\1\\ amended the EFTA \\2\\ to create a new... providers, section 1073 creates a new EFTA section 919, and generally requires: (i) The provision of...

Internet Gambling Regulation, Enforcement, and Consumer Protection Act of 2013

THOMAS, 113th Congress

Rep. King, Peter T. [R-NY-2

2013-06-06

House - 07/15/2013 Referred to the Subcommittee on Crime, Terrorism, Homeland Security, and Investigations. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

American Natural Gas Security and Consumer Protection Act

THOMAS, 113th Congress

Sen. Markey, Edward J. [D-MA

2014-03-06

Senate - 03/06/2014 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:

Responsible Consumer Financial Protection Regulations Act of 2013

THOMAS, 113th Congress

Sen. Moran, Jerry [R-KS

2013-01-31

Senate - 01/31/2013 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:

Responsible Consumer Financial Protection Regulations Act of 2011

THOMAS, 112th Congress

Sen. Moran, Jerry [R-KS

2011-04-06

Senate - 04/06/2011 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:

Empowering States' Right To Protect Consumers Act of 2009

THOMAS, 111th Congress

Sen. Whitehouse, Sheldon [D-RI

2009-01-15

Senate - 01/15/2009 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:

Empowering States' Rights To Protect Consumers Act of 2013

THOMAS, 113th Congress

Sen. Whitehouse, Sheldon [D-RI

2013-06-26

Senate - 06/26/2013 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:

Protecting Consumers from Unreasonable Credit Rates Act of 2009

THOMAS, 111th Congress

Sen. Durbin, Richard J. [D-IL

2009-02-26

Senate - 02/26/2009 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:

Protecting Consumers from Unreasonable Credit Rates Act of 2012

THOMAS, 112th Congress

Sen. Durbin, Richard J. [D-IL

2012-07-26

Senate - 07/26/2012 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:

Protecting Consumers from Unreasonable Credit Rates Act of 2013

THOMAS, 113th Congress

Sen. Durbin, Richard J. [D-IL

2013-04-09

Senate - 04/09/2013 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:

76 FR 6798 - Agency Information Collection Activities; Announcement of Office of Management and Budget...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-02-08

... Application as Required by the Dietary Supplement and Nonprescription Drug Consumer Protection Act: Questions... Drug Products Marketed Without an Approved Application as Required by the Dietary Supplement and...

Internet Freedom, Broadband Promotion, and Consumer Protection Act of 2011

THOMAS, 112th Congress

Sen. Cantwell, Maria [D-WA

2011-01-25

Senate - 01/25/2011 Read twice and referred to the Committee on Commerce, Science, and Transportation. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

7 CFR 22.104 - General policy.

Code of Federal Regulations, 2010 CFR

2010-01-01

... rural development goals and priorities. As a result of section 817(4) of the Agriculture and Consumer Protection Act of 1973 (Pub. L. 93-86) which prohibits prior approval by any State officials of any loan or...

17 CFR 162.8 - Acceptable delivery methods of opt-out notices.

Code of Federal Regulations, 2012 CFR

2012-04-01

... COMMISSION PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.8 Acceptable delivery methods of opt-out notices. (a) In general. The opt-out notice...

17 CFR 162.8 - Acceptable delivery methods of opt-out notices.

Code of Federal Regulations, 2013 CFR

2013-04-01

... COMMISSION PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.8 Acceptable delivery methods of opt-out notices. (a) In general. The opt-out notice...

78 FR 26383 - Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-06

... this number through TTY by calling the toll-free Federal Relay Service at (800) 877-8339. SUPPLEMENTARY...) on the effective date of the Consumer Financial Protection Bureau's adjustment of the $400 figure in the Home Ownership and Equity Protection Act of 1994 (HOEPA) (Pub. L. 103-325, approved September 23...

75 FR 80897 - Swap Data Repositories

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-23

...The Commodity Futures Trading Commission (``CFTC'' or ``Commission'') is proposing rules to implement new statutory provisions introduced by Title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act (``Dodd-Frank Act''). Section 728 of the Dodd-Frank Act amends the Commodity Exchange Act (``CEA'' or the ``Act'') by adding new Section 21, which establishes registration requirements, statutory duties, core principles and certain compliance obligations for registered swap data repositories (``SDRs'') and directs the Commission to adopt rules governing persons that are registered, as such, under this Section.

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

Analysis of U.S. Food and Drug Administration food allergen recalls after implementation of the food allergen labeling and consumer protection act.

PubMed

Gendel, Steven M; Zhu, Jianmei

2013-11-01

To avoid potentially life-threatening reactions, food allergic consumers rely on information on food labels to help them avoid exposure to a food or ingredient that could trigger a reaction. To help consumers in the United States obtain the information that they need, the Food Allergen Labeling and Consumer Protection Act of 2004 defined a major food allergen as being one of eight foods or food groups and any ingredient that contains protein from one of these foods or food groups. A food that contains an undeclared major food allergen is misbranded under the U.S. Food, Drug, and Cosmetic Act and is subject to recall. Food allergen labeling problems are the most common cause of recalls for U.S. Food and Drug Administration (FDA)-regulated food products. To help understand why food allergen recalls continue to occur at a high rate, information on each food allergen recall that occurred in fiscal years 2007 through 2012 was obtained from the FDA recall database. This information was analyzed to identify the food, allergen, root cause, and mode of discovery for each food allergen recall. Bakery products were the most frequently recalled food type, and milk was the most frequently undeclared major food allergen. Use of the wrong package or label was the most frequent problem leading to food allergen recalls. These data are the first reported that indicate the importance of label and package controls as public health measures.

The Consumer Protection Act: no-fault liability of health care providers.

PubMed

Slabbert, M Nöthling; Pepper, Michael S

2011-11-01

The introduction of no-fault or strict liability by the Consumer Protection Act 68 of 2008 (CPA) poses serious problems in the health care context. With a patient as a 'consumer' in terms of the CPA, health care practitioners may find themselves as 'suppliers' or 'retailers' as part of a supply chain, and potentially liable for harm and loss suffered by a patient in terms of the new no-fault liability provision. The claimant (patient) can sue anyone in the supply chain in terms of this provision, which places the health care practitioner who delivered the care in a very difficult position, as he or she is the most easily and often only identifiable person in the supply chain. Although the causal link between the harm suffered by the complainant will still need to be established on a balance of probabilities, the traditional common law obstacle requiring proof of negligence no longer applies. The article argues that this situation is unsatisfactory, as it places an increasingly onerous burden on certain health care practitioners.

P.L. 110-140, "Energy Independence and Security Act of 2007" (2007)

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

None

2007-12-13

An act to move the United States toward greater energy independence and security, to increase the production of clean renewable fuels, to protect consumers, to increase the efficiency of products, buildings, and vehicles, to promote research on and deploy greenhouse gas capture and storage options, and to improve the energy performance of the Federal Government, and for other purposes.

Responsible Consumer Financial Protection Regulations Act of 2011

THOMAS, 112th Congress

Rep. Bachus, Spencer [R-AL-6

2011-03-16

House - 07/19/2011 Supplemental report filed by the Committee on Financial Services, H. Rept. 112-107, Part II. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Calling Card Consumer Protection Act

THOMAS, 111th Congress

Rep. Engel, Eliot L. [D-NY-17

2009-11-03

Senate - 06/24/2010 Received in the Senate and Read twice and referred to the Committee on Commerce, Science, and Transportation. (All Actions) Tracker: This bill has the status Passed HouseHere are the steps for Status of Legislation:

Protecting Consumer Access to Generic Drugs Act of 2009

THOMAS, 111th Congress

Rep. Rush, Bobby L. [D-IL-1

2009-03-25

House - 06/03/2009 Forwarded by Subcommittee to Full Committee (Amended) by the Yeas and Nays: 16 - 10 . (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

United States Call Center Worker and Consumer Protection Act of 2013

THOMAS, 113th Congress

Sen. Casey, Robert P., Jr. [D-PA

2013-09-30

Senate - 09/30/2013 Read twice and referred to the Committee on Commerce, Science, and Transportation. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

United States Call Center Worker and Consumer Protection Act of 2012

THOMAS, 112th Congress

Sen. Casey, Robert P., Jr. [D-PA

2012-07-18

Senate - 07/18/2012 Read twice and referred to the Committee on Commerce, Science, and Transportation. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Bureau of Consumer Financial Protection Transfer Clarification Act

THOMAS, 112th Congress

Rep. Capito, Shelley Moore [R-WV-2

2011-05-02

House - 07/19/2011 Supplemental report filed by the Committee on Financial Services, H. Rept. 112-93, Part II. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

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.

AIDS--Policies and Prospects: III. AIDS and the Politics of Drug Lag.

ERIC Educational Resources Information Center

Vogel, David

1989-01-01

Examines the impact of AIDS on recent reform of the Food and Drug Act Amendments of 1962. Discusses the role of gay activists, consumer protection groups, the American Medical Association, and feminist activist groups. (FMW)

To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act.

THOMAS, 112th Congress

Rep. Bachmann, Michele [R-MN-6

2011-01-05

House - 02/08/2011 Referred to the Subcommittee on Technology, Information Policy, Intergovernmental Relations and Procurement Reform . (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2013

THOMAS, 113th Congress

Sen. Shelby, Richard C. [R-AL

2013-03-05

Senate - 03/05/2013 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:

Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2012

THOMAS, 112th Congress

Sen. Shelby, Richard C. [R-AL

2012-12-28

Senate - 12/28/2012 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:

75 FR 80747 - End-User Exception to Mandatory Clearing of Swaps

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-23

...The Commodity Futures Trading Commission (``CFTC'' or ``Commission'') is proposing new requirements governing the elective exception to mandatory clearing of swaps available for swap counterparties meeting certain conditions under Section 2(h)(7) of the Commodity Exchange Act, as amended by the Dodd-Frank Wall Street Reform and Consumer Protection Act. The Commission is requesting comments on the proposed rule and related matters.

77 FR 64514 - Sunshine Act Meeting; Deletion of Agenda Item for October 17, 2012 Open Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2012-10-22

... of Part 43 of the Commission's Rules Summary: The Commission will consider a Second Report and Order... filing burdens while ensuring collection of the data needed to protect consumers and competition in...

The Affordable Care Act's plan for consumer assistance with insurance moves states forward but remains a work in progress.

PubMed

Grob, Rachel; Schlesinger, Mark; Davis, Sarah; Cohen, Deborah; Lapps, Joshua

2013-02-01

The Affordable Care Act provides support for state-run consumer assistance programs to help privately insured consumers who experience problems with their coverage. Its provisions signify the first national commitment to such assistance and to using cases aggregated by these state programs to inform policy. We interviewed state-level administrators and analyzed program documents to assess whether federal support for state-run consumer assistance programs achieved certain goals. We found that some federally supported programs made substantial progress in supporting and empowering patients by reorienting state agencies to become active advocates for their citizens. Yet progress across the country was inconsistent, and there was little evidence that programs addressed systemic problems experienced by consumers. On balance, the consumer assistance provisions of health care reform do not yet ensure protection for all privately insured Americans because of uneven implementation-a problem likely to be of further concern as coverage is expanded and health insurance exchanges come on line in 2014. At the same time, the demonstrated impact of consumer assistance programs in the most innovative states is arguably a useful "proof of concept" for this young federal program.

78 FR 79410 - Fair Credit Reporting Act Disclosures

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-30

...The Bureau of Consumer Financial Protection (Bureau) announces that the ceiling on allowable charges under Section 612(f) of the Fair Credit Reporting Act (FCRA) will remain unchanged at $11.50 for 2014. The Bureau is required to increase the $8.00 amount referred to in Section 612(f)(1)(A)(i) of the FCRA on January 1 of each year, based proportionally on changes in the Consumer Price Index for All Urban Consumers (CPI-U), with fractional changes rounded to the nearest fifty cents. The CPI-U increased 45.25 percent between September 1997, the date the FCRA amendments took effect, and September 2013. This increase in the CPI-U, and the requirement that any increase be rounded to the nearest fifty cents, results in no change in the maximum allowable charge of $11.50.

Harnessing Private-Sector Innovation to Improve Health Insurance Exchanges

PubMed Central

Gresenz, Carole Roan; Hoch, Emily; Eibner, Christine; Rudin, Robert S.; Mattke, Soeren

2016-01-01

Abstract Overhauling the individual health insurance market—including through the creation of health insurance exchanges—was a key component of the Patient Protection and Affordable Care Act's multidimensional approach to addressing the long-standing problem of the uninsured in the United States. Despite succeeding in enrolling millions of Americans, the exchanges still face several challenges, including poor consumer experience, high operational and development costs, and incomplete market penetration. In light of these challenges, analysts considered a different model for the exchanges—privately facilitated exchanges—which could address these challenges and deepen the Affordable Care Act's impact. In this model, the government retains control over sovereign exchange functions but allows the private sector to assume responsibility for more-peripheral exchange functions, such as developing and sustaining exchange websites. Although private-sector entities have already undertaken exchange-related functions on a limited basis, privately facilitated exchanges could conceivably relieve the government of its responsibility for front-end website operations and consumer decision-support functions entirely. A shift to privately facilitated exchanges could improve the consumer experience, increase enrollment, and lower costs for state and federal governments. A move to such a model requires, nonetheless, managing its risks, such as reduced consumer protection, increased consumer confusion, and the possible lack of a viable revenue base for privately facilitated exchanges, especially in less populous states. On net, the benefits are large enough and the risks sufficiently manageable to seriously consider such a shift. This paper provides background information and more detail on the analysts' assessment. PMID:28083414

Harnessing Private-Sector Innovation to Improve Health Insurance Exchanges.

PubMed

Gresenz, Carole Roan; Hoch, Emily; Eibner, Christine; Rudin, Robert S; Mattke, Soeren

2016-05-09

Overhauling the individual health insurance market-including through the creation of health insurance exchanges-was a key component of the Patient Protection and Affordable Care Act's multidimensional approach to addressing the long-standing problem of the uninsured in the United States. Despite succeeding in enrolling millions of Americans, the exchanges still face several challenges, including poor consumer experience, high operational and development costs, and incomplete market penetration. In light of these challenges, analysts considered a different model for the exchanges-privately facilitated exchanges-which could address these challenges and deepen the Affordable Care Act's impact. In this model, the government retains control over sovereign exchange functions but allows the private sector to assume responsibility for more-peripheral exchange functions, such as developing and sustaining exchange websites. Although private-sector entities have already undertaken exchange-related functions on a limited basis, privately facilitated exchanges could conceivably relieve the government of its responsibility for front-end website operations and consumer decision-support functions entirely. A shift to privately facilitated exchanges could improve the consumer experience, increase enrollment, and lower costs for state and federal governments. A move to such a model requires, nonetheless, managing its risks, such as reduced consumer protection, increased consumer confusion, and the possible lack of a viable revenue base for privately facilitated exchanges, especially in less populous states. On net, the benefits are large enough and the risks sufficiently manageable to seriously consider such a shift. This paper provides background information and more detail on the analysts' assessment.

78 FR 41928 - Sunshine Act Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2013-07-12

... the Currency), Director Richard Cordray (Director, Consumer Financial Protection Bureau), and Chairman Martin J. Gruenberg, that Corporation business required its consideration of the matters which were to be... the meeting was practicable; that the public interest did not require consideration of the matters in...

78 FR 48678 - Sunshine Act Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-09

... the Currency), Director Richard Cordray (Director, Consumer Financial Protection Bureau), and Chairman Martin J. Gruenberg, that Corporation business required its consideration of the matters which were to be... the meeting was practicable; that the public interest did not require consideration of the matters in...

78 FR 66006 - Notice of Sunshine Act Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-04

... the Currency), Director Richard Cordray (Director, Consumer Financial Protection Bureau), and Chairman Martin J. Gruenberg, that Corporation business required its consideration of the matters on less than... Rule Regarding Restrictions on Sales of Assets of a Covered Financial Company by the Federal Deposit...

78 FR 75920 - Sunshine Act Meetings

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-13

... the Currency), Director Richard Cordray (Director, Consumer Financial Protection Bureau), and Chairman Martin J. Gruenberg, that Corporation business required its consideration of the matters which were to be... the meeting was practicable; that the public interest did not require consideration of the matters in...

78 FR 34100 - Sunshine Act Meetings

Federal Register 2010, 2011, 2012, 2013, 2014

2013-06-06

... the Currency), Director Richard Cordray (Director, Consumer Financial Protection Bureau), and Chairman Martin J. Gruenberg, that Corporation business required its consideration of the matters which were to be... the meeting was practicable; that the public interest did not require consideration of the matters in...

78 FR 31548 - Sunshine Act Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-24

... Currency), Director Richard Cordray (Director, Consumer Financial Protection Bureau), and Chairman Martin J. Gruenberg, that Corporation business required its consideration of the matters which were to be the subject... was practicable; that the public interest did not require consideration of the matters in a meeting...

78 FR 66005 - Notice of Sunshine Act Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-04

... of the Currency), Director Richard Cordray (Director, Consumer Financial Protection Bureau), and Chairman Martin J. Gruenberg, that Corporation business required its consideration of the matters which... notice of the meeting was practicable; that the public interest did not require consideration of the...

Consumer Financial Protection Safety and Soundness Improvement Act of 2011

THOMAS, 112th Congress

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

2011-04-01

Senate - 07/22/2011 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (All Actions) Tracker: This bill has the status Passed HouseHere are the steps for Status of Legislation:

75 FR 51429 - Definitions Contained in Title VII of Dodd-Frank Wall Street Reform and Consumer Protection Act

Federal Register 2010, 2011, 2012, 2013, 2014

2010-08-20

... Michael J. Reedich, Special Counsel, at 202-551-3279, Office of Chief Counsel, Division of Corporate Finance, Securities and Exchange Commission, 100 F Street, NE., Washington, DC 20549-7010; CFTC: Terry S...

Medical negligence and the law.

PubMed

Murthy, K K S R

2007-01-01

After the Consumer Protection Act, 1986, came into effect, a number of patients have filed cases against doctors. This article presents a summary of legal decisions related to medical negligence: what constitutes negligence in civil and criminal law, and what is required to prove it.

Bank on Students Emergency Loan Refinancing Act

THOMAS, 113th Congress

Sen. Warren, Elizabeth [D-MA

2014-05-06

Senate - 06/04/2014 Committee on Banking, Housing, and Urban Affairs Subcommittee on Financial Institutions and Consumer Protection. Hearings held. With printed Hearing: S.Hrg. 113-445. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

78 FR 44729 - Disqualification of Felons and Other “Bad Actors” From Rule 506 Offerings

Federal Register 2010, 2011, 2012, 2013, 2014

2013-07-24

...We are adopting amendments to our rules to implement Section 926 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Section 926 requires us to adopt rules that disqualify securities offerings involving certain ``felons and other `bad actors''' from reliance on Rule 506 of Regulation D. The rules must be ``substantially similar'' to Rule 262 under the Securities Act, which contains the disqualification provisions of Regulation A under the Securities Act, and must also cover matters enumerated in Section 926 of the Dodd-Frank Act (including certain state regulatory orders and bars).

12 CFR Appendix B to Part 345 - CRA Notice

Code of Federal Regulations, 2011 CFR

2011-01-01

... Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of... also takes this record into account when deciding on certain applications submitted by us. Your... Manager, Division of Supervision and Consumer Protection(DSC), FDIC (address). You may send written...

12 CFR Appendix B to Part 345 - CRA Notice

Code of Federal Regulations, 2010 CFR

2010-01-01

... Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of... also takes this record into account when deciding on certain applications submitted by us. Your... Manager, Division of Supervision and Consumer Protection(DSC), FDIC (address). You may send written...

Cybersquatting and Your Legal Options.

ERIC Educational Resources Information Center

Steinbach, Sheldon; Salomon, Kenneth

2000-01-01

Discusses the increasing problem of cybersquatting, the practice of registering an Internet domain name that is confusingly similar to a well-known name or institution (including colleges and universities). Explains two remedies: (1) the recent Anticybersquatting Consumer Protection Act and the Uniform Dispute Resolution Policy of the Internet…

78 FR 56229 - Sunshine Act Meeting Notice

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-12

..., Consumer Financial Protection Bureau), Director Thomas J. Curry (Comptroller of the Currency), and Chairman Martin J. Gruenberg, that Corporation business required its consideration of the matters which were to be... the meeting was practicable; that the public interest did not require consideration of the matters in...

78 FR 3895 - Sunshine Act Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-17

..., Consumer Financial Protection Bureau), Director Thomas J. Curry (Comptroller of the Currency), and Chairman Martin J. Gruenberg, that Corporation business required its consideration of the matters which were to be... the meeting was practicable; that the public interest did not require consideration of the matters in...

Data Security and Breach Notification Act of 2010

THOMAS, 111th Congress

Sen. Pryor, Mark L. [D-AR

2010-08-05

Senate - 09/22/2010 Committee on Commerce, Science, and Transportation Subcommittee on Consumer Protection, Product Safety, and Insurance . Hearings held. With printed Hearing: S.Hrg. 111-1040. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

77 FR 34233 - Telephone Consumer Protection Act of 1991

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-11

... expand the scope of their business relationships with customers to permit calls. One [[Page 34238... business relationship exemption for such calls to residential lines while maintaining flexibility in the... previously relied on an established business relationship in lieu of express consent, the Commission notes...

77 FR 17076 - Agency Information Collection Activities; Proposed Collection; Comment Request; Adverse Event...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-03-23

... and Recordkeeping for Dietary Supplements as Required by the Dietary Supplement and Nonprescription... information associated with adverse event reporting and recordkeeping for dietary supplements as required by the Dietary Supplement and Nonprescription Drug Consumer Protection Act (the DSNDCPA). DATES: Submit...

18 CFR 35.43 - Generally.

Code of Federal Regulations, 2010 CFR

2010-04-01

... OF ENERGY REGULATIONS UNDER THE FEDERAL POWER ACT FILING OF RATE SCHEDULES AND TARIFFS Cross... outstanding voting securities are owned, controlled, or held with power to vote, directly or indirectly, by... necessary or appropriate in the public interest or for the protection of investors or consumers that the...

76 FR 78483 - S.A.F.E. Mortgage Licensing Act (Regulations G & H)

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-19

... of any criminal offense involving dishonesty, breach of trust, or money laundering against the... of mortgage loan originators; enhancing consumer protections; supporting anti-fraud measures; and... state and national criminal history background check; however, fingerprints provided to the Registry...

77 FR 16484 - Annual Stress Test

Federal Register 2010, 2011, 2012, 2013, 2014

2012-03-21

... FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Part 325 RIN 3064-AD91 Annual Stress Test AGENCY... to conduct annual stress tests. \\1\\ Dodd-Frank Wall Street Reform and Consumer Protection Act, Public... billion (``covered banks'') to conduct annual stress tests (``bank-run stress tests''). The proposed rule...

17 CFR 162.10-162.20 - [Reserved

Code of Federal Regulations, 2014 CFR

2014-04-01

... 17 Commodity and Securities Exchanges 2 2014-04-01 2014-04-01 false [Reserved] 162.10-162.20 Section 162.10-162.20 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION (CONTINUED) PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules...

77 FR 69738 - Truth in Lending (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-21

... Lending (Regulation Z) AGENCY: Bureau of Consumer Financial Protection. ACTION: Final rule; official... the official interpretations for Regulation Z (Truth in Lending). The Bureau is required to adjust... Regulations, at (202) 435-7700. SUPPLEMENTARY INFORMATION: I. Background The Truth in Lending Act (TILA; 15 U...

77 FR 38394 - Public Input on the Report to Congress on the U.S. and Global Reinsurance Market

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-27

...: Section 502 the Dodd-Frank Wall Street Reform and Consumer Protection Act. Pub. L. 111-203) (the Dodd... the toll-free Federal Relay Service at 800-877-8339. SUPPLEMENTARY INFORMATION: I. Background The Dodd...

77 FR 30595 - Further Definition of “Swap Dealer,” “Security-Based Swap Dealer,” “Major Swap Participant...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-23

...In accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (``Dodd-Frank Act''), the Commodity Futures Trading Commission (``CFTC'') and the Securities and Exchange Commission (``SEC'') (collectively, the ``Commissions''), in consultation with the Board of Governors of the Federal Reserve System (``Board''), are adopting new rules and interpretive guidance under the Commodity Exchange Act (``CEA''), and the Securities Exchange Act of 1934 (``Exchange Act''), to further define the terms ``swap dealer,'' ``security-based swap dealer,'' ``major swap participant,'' ``major security-based swap participant,'' and ``eligible contract participant.''

Children's Television Programming. Hearings before the Subcommittee on Telecommunications, Consumer Protection, and Finance of the Committee on Energy and Commerce. House of Representatives, Ninety-Ninth Congress, First Session on H.R. 3216.

ERIC Educational Resources Information Center

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

H.R. 3216, the Children's Television Act of 1985--a bill to amend the Communications Act of 1934 to increase the availability of educational and informational television programs for children, deals with establishing a quantifiable children's programming guideline. This bill would establish substantial burdens under the license renewal process for…

Pedestrian Safety Enhancement Act of 2009

THOMAS, 111th Congress

Rep. Towns, Edolphus [D-NY-10

2009-01-28

House - 02/02/2009 Referred to the Subcommittee on Commerce, Trade and Consumer Protection. (All Actions) Notes: For further action, see S.841, which became Public Law 111-373 on 1/4/2011. Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

A bill to amend the Fair Credit Reporting Act to provide protections for active duty military consumers, and for other purposes.

THOMAS, 113th Congress

Sen. Menendez, Robert [D-NJ

2014-06-10

Senate - 06/10/2014 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:

29 CFR 19.1 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-07-01

...: (a) Financial institution means any office of a bank, savings bank, card issuer as defined in section 103 of the Consumer Credit Protection Act (15 U.S.C. 1602(n)), industrial loan company, trust company, savings and loan, building and loan, or homestead association (including cooperative banks), credit union...

77 FR 74186 - Sunshine Act Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-13

..., Consumer Financial Protection Bureau), and Chairman Martin J. Gruenberg, that Corporation business required its consideration of the matters which were to be the subject of this meeting on less than seven days... not require consideration of the matters in a meeting open to public observation; and that the matters...

18 CFR 50.6 - Applications: general content.

Code of Federal Regulations, 2010 CFR

2010-04-01

... interstate commerce and protects or benefits consumers; (3) Is consistent with sound national energy policy... Energy under section 216 of the Federal Power Act. (e) Evidence that: (1) A State in which the... the facilities or consider the interstate benefits expected to be achieved by the proposed...

16 CFR 1615.5 - Labeling requirements.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 16 Commercial Practices 2 2011-01-01 2011-01-01 false Labeling requirements. 1615.5 Section 1615.5 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION FLAMMABLE FABRICS ACT REGULATIONS STANDARD FOR THE... to protect the items from agents or treatments which are known to cause deterioration of their flame...

16 CFR § 1615.5 - Labeling requirements.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 16 Commercial Practices 2 2013-01-01 2013-01-01 false Labeling requirements. § 1615.5 Section § 1615.5 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION FLAMMABLE FABRICS ACT REGULATIONS... precautionary instructions to protect the items from agents or treatments which are known to cause deterioration...

16 CFR § 1616.6 - Labeling requirements.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 16 Commercial Practices 2 2013-01-01 2013-01-01 false Labeling requirements. § 1616.6 Section § 1616.6 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION FLAMMABLE FABRICS ACT REGULATIONS... instructions to protect the items from agents or treatments which are known to cause significant deterioration...

16 CFR 1615.5 - Labeling requirements.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 16 Commercial Practices 2 2012-01-01 2012-01-01 false Labeling requirements. 1615.5 Section 1615.5 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION FLAMMABLE FABRICS ACT REGULATIONS STANDARD FOR THE... to protect the items from agents or treatments which are known to cause deterioration of their flame...

16 CFR 1615.5 - Labeling requirements.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 16 Commercial Practices 2 2014-01-01 2014-01-01 false Labeling requirements. 1615.5 Section 1615.5 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION FLAMMABLE FABRICS ACT REGULATIONS STANDARD FOR THE... to protect the items from agents or treatments which are known to cause deterioration of their flame...

77 FR 60343 - Petition for Reconsideration of Action in Rulemaking Proceeding

Federal Register 2010, 2011, 2012, 2013, 2014

2012-10-03

... Murray, Petersen & Shuster LLP, on behalf of Professional Association for Customer Engagement, and Anthony S. Mendoza, Esq. on behalf of SatCom Marketing, LLC. DATES: Oppositions to the Petitions must be... Implementing the Telephone Consumer Protection Act of 1991, Professional Association for Customer Engagement's...

75 FR 53311 - Agency Forms Undergoing Paperwork Reduction Act Review

Federal Register 2010, 2011, 2012, 2013, 2014

2010-08-31

... Description Today, CDC is globally recognized for conducting research and investigations and for its action oriented approach. CDC applies research and findings to improve people's daily lives and responds to health... communities protect their health and safety. Through continuous consumer feedback, prevention research, and...

75 FR 65487 - Agency Forms Undergoing Paperwork Reduction Act Review

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-25

... Description Today, CDC is globally recognized for conducting research and investigations and for its action oriented approach. CDC applies research and findings to improve people's daily lives and responds to health... communities protect their health and safety. Through continuous consumer feedback, prevention research, and...

17 CFR 162.10-162.20 - [Reserved

Code of Federal Regulations, 2013 CFR

2013-04-01

... 17 Commodity and Securities Exchanges 1 2013-04-01 2013-04-01 false [Reserved] 162.10-162.20 Section 162.10-162.20 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules §§ 162...

17 CFR 162.10-162.20 - [Reserved

Code of Federal Regulations, 2012 CFR

2012-04-01

... 17 Commodity and Securities Exchanges 1 2012-04-01 2012-04-01 false [Reserved] 162.10-162.20 Section 162.10-162.20 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules §§ 162...

7 CFR 4274.337 - Other regulatory requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... determined to have a significant effect on the quality of the human environment. (c) Equal opportunity and... mental disability (provided the proposed intermediary or proposed ultimate recipient has the capacity to... recipient has in good faith exercised any right under the Consumer Credit Protection Act, with respect to...

77 FR 40459 - Electronic Fund Transfers (Regulation E); Correction

Federal Register 2010, 2011, 2012, 2013, 2014

2012-07-10

... Electronic Fund Transfers (Regulation E); Correction AGENCY: Bureau of Consumer Financial Protection. ACTION... published the Final Rule (77 FR 6194), which implements the Electronic Fund Transfer Act, and the official... Sec. 1005.3(a) in the interim final rule, Electronic Fund Transfers (Regulation E), published on...

75 FR 65442 - Disclosure for Asset-Backed Securities Required by Section 943 of the Dodd-Frank Wall Street...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-25

...-Backed Securities Required by Section 943 of the Dodd-Frank Wall Street Reform and Consumer Protection Act AGENCY: Securities and Exchange Commission. ACTION: Proposed rule; correction. SUMMARY: The..., October 25, 2010 / Proposed Rules#0;#0; [[Page 65442

NAACP 67th Annual Convention Resolutions: June 28-July 2, 1976

ERIC Educational Resources Information Center

Crisis, 1976

1976-01-01

Resolutions adopted June 28-July 2, 1976 concerned the School Desegregation Standards and Assistance Act of 1976, Armed Services, Veterans Affairs, Civil Rights, Consumer Protection, Economic Development, Foreign Affairs, Hospitals, Health, Social Welfare, Housing, Internal Affairs, Labor, Industry, Voting, Communications and Youth Work. (JM)

Alice in Debitland.

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 booklet examines the Electronic Fund Transfer Act (EFT), which protects consumers who use debit cards for the electronic transfer of funds. This commercially adapted version of the character in "Alice in Wonderland," uses a story-teller…

77 FR 8721 - Home Mortgage Disclosure (Regulation C)

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-15

... Home Mortgage Disclosure (Regulation C) AGENCY: Bureau of Consumer Financial Protection. ACTION: Final... a final rule amending the official commentary that interprets the requirements of Regulation C (Home.... SUPPLEMENTARY INFORMATION: The Home Mortgage Disclosure Act of 1975, as amended (HMDA; 12 U.S.C. 2801 et seq...

12 CFR 1024.7 - Good faith estimate.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Good faith estimate. 1024.7 Section 1024.7 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X) § 1024.7 Good faith estimate. (a) Lender to provide. (1) Except as otherwise provided in...

12 CFR 1024.7 - Good faith estimate.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Good faith estimate. 1024.7 Section 1024.7 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X) § 1024.7 Good faith estimate. (a) Lender to provide. (1) Except as otherwise provided in...

18 CFR 225.2 - General instructions.

Code of Federal Regulations, 2010 CFR

2010-04-01

..., DEPARTMENT OF ENERGY ACCOUNTS, NATURAL GAS ACT PRESERVATION OF RECORDS OF NATURAL GAS COMPANIES § 225.2... account and other records prepared by or on behalf of the natural gas company. See item 40 of the schedule... interest or for the protection of investors or consumers. (b) Designation of supervisory official. Each...

18 CFR 125.2 - General instructions.

Code of Federal Regulations, 2010 CFR

2010-04-01

..., DEPARTMENT OF ENERGY ACCOUNTS, FEDERAL POWER ACT PRESERVATION OF -RECORDS OF PUBLIC UTILITIES AND LICENSEES... books of account and other records prepared by or on behalf of the public utility or licensee. See item... appropriate in the public interest or for the protection of investors or consumers. (b) Designation of...

12 CFR 1024.21 - Mortgage servicing transfers.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 1024.21 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION REAL ESTATE SETTLEMENT PROCEDURES ACT... servicer means the owner of the right to perform servicing, which may actually perform the servicing itself... servicer who does not own the right to perform servicing, but who does so on behalf of the master servicer...

12 CFR 1024.21 - Mortgage servicing transfers.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 1024.21 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION REAL ESTATE SETTLEMENT PROCEDURES ACT... servicer means the owner of the right to perform servicing, which may actually perform the servicing itself... servicer who does not own the right to perform servicing, but who does so on behalf of the master servicer...

45 CFR 303.100 - Procedures for income withholding.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 303.100 Public Welfare Regulations Relating to Public Welfare OFFICE OF CHILD SUPPORT ENFORCEMENT (CHILD SUPPORT ENFORCEMENT PROGRAM), ADMINISTRATION FOR CHILDREN AND FAMILIES, DEPARTMENT OF HEALTH AND... permitted under section 303(b) of the Consumer Credit Protection Act (15 U.S.C. 1673(b)). (4) In the case of...

45 CFR 303.100 - Procedures for income withholding.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 303.100 Public Welfare Regulations Relating to Public Welfare OFFICE OF CHILD SUPPORT ENFORCEMENT (CHILD SUPPORT ENFORCEMENT PROGRAM), ADMINISTRATION FOR CHILDREN AND FAMILIES, DEPARTMENT OF HEALTH AND... permitted under section 303(b) of the Consumer Credit Protection Act (15 U.S.C. 1673(b)). (4) In the case of...

12 CFR 225.180 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM BANK HOLDING... Board means a nonbank financial company supervised by the Board of Governors, as defined in section 102 of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (12 U.S.C. 5311). (e) Board...

Send for the Director of Compliance!

ERIC Educational Resources Information Center

Palfreyman, David

2015-01-01

This article explores the possible impact (beyond the appointment of a Director of Compliance for HE managers) once the Higher Education Act 2016 has created OFTE--the Office for Tertiary Education Regulation. The article also focuses attention on the long-established consumer protection context for the operation of the student-university contract…

75 FR 76706 - Acceptance of Public Submissions on a Study Mandated by the Dodd-Frank Wall Street Reform and...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-09

... COMMODITY FUTURES TRADING COMMISSION SECURITIES AND EXCHANGE COMMISSION [Release No. 34-63423... Reform and Consumer Protection Act, Section 719(b) AGENCY: Commodity Futures Trading Commission; Securities and Exchange Commission. ACTION: Request for Comments. SUMMARY: The Dodd-Frank Wall Street Reform...

12 CFR 1024.2 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Definitions. 1024.2 Section 1024.2 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X) § 1024.2 Definitions. (a) Statutory terms. All terms defined in RESPA (12 U.S.C. 2602) are used in...

12 CFR 1024.5 - Coverage of RESPA.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Coverage of RESPA. 1024.5 Section 1024.5 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X) § 1024.5 Coverage of RESPA. (a) Applicability. RESPA and this part apply to all federally related...

12 CFR 1024.2 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Definitions. 1024.2 Section 1024.2 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X) § 1024.2 Definitions. (a) Statutory terms. All terms defined in RESPA (12 U.S.C. 2602) are used in...

Procedures for the handling of retaliation complaints under section 1558 of the Affordable Care Act. Interim final rule; request for comments.

PubMed

2013-02-27

This document provides the interim final regulations governing the employee protection (whistleblower) provision of section 1558 of the Affordable Care Act, which added section 18C of the Fair Labor Standards Act, to provide protections to employees of health insurance issuers or other employers who may have been subject to retaliation for reporting potential violations of the law's consumer protections (e.g., the prohibition on denials of insurance due to pre-existing conditions) or affordability assistance provisions (e.g., access to health insurance premium tax credits). This interim rule establishes procedures and time frames for the handling of retaliation complaints under section 18C, including procedures and time frames for employee complaints to the Occupational Safety and Health Administration (OSHA), investigations by OSHA, appeals of OSHA determinations to an administrative law judge (ALJ) for a hearing de novo, hearings by ALJs, review of ALJ decisions by the Administrative Review Board (ARB) (acting on behalf of the Secretary of Labor), and judicial review of the Secretary's final decision.

77 FR 70213 - Capital, Margin, and Segregation Requirements for Security-Based Swap Dealers and Major Security...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-23

...In accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (``Dodd-Frank Act''), the Securities and Exchange Commission (``Commission''), pursuant to the Securities Exchange Act of 1934 (``Exchange Act''), is proposing capital and margin requirements for security-based swap dealers (``SBSDs'') and major security-based swap participants (``MSBSPs''), segregation requirements for SBSDs, and notification requirements with respect to segregation for SBSDs and MSBSPs. The Commission also is proposing to increase the minimum net capital requirements for broker-dealers permitted to use the alternative internal model-based method for computing net capital (``ANC broker-dealers'').

Mail-order trade in medicines in Europe--a guide for legislators to protect consumers.

PubMed

Seeberg-Elverfeldt, Niels J

2009-12-01

This article discusses mail-order trade in medicines. It explains why this trade has developed and why there is a need for strict safety standards. The European Court of Justice obliged member states to allow such trade in non prescription medicines but did not specify any safety standards. The 2007 resolution of the Council of Europe lays these down precisely. An analysis of the legal situation in the 30 E.U. and E.E.A. states shows that they increasingly permit this trade. However, there are considerable deficits as regards the necessary safety standards. To protect consumers from illegal medicine sales via the internet, they should be able to easily identify legal products online. Legislators should act accordingly.

Child-safety Containers/Devices and Compounding.

PubMed

Allen, Loyd V

2017-01-01

The U.S. Consumer Product Safety Commission has been around since it was created in 1972 through the Consumer Product Safety Act. Its purpose is to protect "against unreasonable risks of injuries associated with consumer products." Manufactured drugs must meet the standards unless specifically exempted. Dispensing and compounding pharmacists must also meet the standards. Due to a smaller market size, compliant products to meet the U.S. Consumer Product Safety Commission's standards to aid compounding pharmacists have been slow in coming. However, now there are numerous different products, some introduced recently, which make it easier for compounding pharmacists to comply with the standards. The new technologies are innovative and serve a great need. Copyright© by International Journal of Pharmaceutical Compounding, Inc.

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.

Patient Protection and Affordable Care Act; annual eligibility redeterminations for exchange participation and insurance affordability programs; health insurance issuer standards under the Affordable Care Act, including standards related to exchanges. Final rule.

PubMed

2014-09-05

This final rule specifies additional options for annual eligibility redeterminations and renewal and re-enrollment notice requirements for qualified health plans offered through the Exchange, beginning with annual redeterminations for coverage for benefit year 2015. This final rule provides additional flexibility for Exchanges, including the ability to propose unique approaches that meet the specific needs of their state, while streamlining the consumer experience.

A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, and for other purposes.

THOMAS, 112th Congress

Sen. Johnson, Tim [D-SD

2012-07-17

Senate - 07/17/2012 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (All Actions) Notes: For further action, see H.R.4014, which became Public Law 112-215 on 12/20/2012. Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Consumer Financial Protection Agency Act of 2009

THOMAS, 111th Congress

Rep. Frank, Barney [D-MA-4

2009-07-08

House - 12/09/2009 Reported (Amended) by the Committee on Energy and Commerce. H. Rept. 111-367, Part I. (All Actions) Notes: For further action, see H.R.4173, which became Public Law 111-203 on 7/21/2010. Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

77 FR 63240 - Telephone Consumer Protection Act of 1991

Federal Register 2010, 2011, 2012, 2013, 2014

2012-10-16

... and Budget (OMB) has approved, for a period of three years, the information collection associated with... registry in 2009. See 74 FR 17863, April 17, 2009. Privacy Impact Assessment: Yes. The Privacy Impact.../Privacy_Impact_Assessment.html . Note: The Commission will prepare a revision to the SORN and PIA to cover...

75 FR 423 - Notice of Availability: HUD Real Estate Settlement Procedures Act (RESPA) Handbook

Federal Register 2010, 2011, 2012, 2013, 2014

2010-01-05

... process for disclosing settlement costs in the financing or refinancing of a home, and helps protect consumers from unethical practices by settlement service providers during the home-buying and loan process... of the borrower's applying for a mortgage loan. The Booklet provides information designed to assist...

77 FR 75454 - Self-Regulatory Organizations; Chicago Mercantile Exchange Inc.; Order Approving Proposed Rule...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-20

..., make available financial statements audited by independent public accountants to all CDS Clearing... swaps a report of CME Group by independent public accountant regarding its system of internal accounting... Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203, 124 Stat.1376 (2010). \\5...

Final Environmental Assessment for Beddown of 24th Air Force

DTIC Science & Technology

2009-08-01

mulch, straw , plastic netting, or a combination of these protective coverings • Implementation of site grading procedures to limit the time soils are...applied paint. This change was made under the Consumer Safety Act of 1977, P.L. 101-608, as implemented by 16 CFR Part 1303. DOD implemented a ban of

To exempt inter-affiliate swaps from certain regulatory requirements put in place by the Dodd-Frank Wall Street Reform and Consumer Protection Act.

THOMAS, 112th Congress

Rep. Stivers, Steve [R-OH-15

2011-08-01

Senate - 03/28/2012 Read the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 343. (All Actions) Tracker: This bill has the status Passed HouseHere are the steps for Status of Legislation:

Knowledge and awareness of Consumer Protection Act among private dentists in Tricity, Punjab.

PubMed

Gambhir, Ramandeep Singh; Dhaliwal, Jagjit Singh; Anand, Samir; Bhardwaj, Arvind

2015-01-01

Consumer Protection Act (CPA) aims to protect the interests of the patients in case of any unethical treatment rendered by a medical or a dental health professional. The present study was conducted to assess knowledge and awareness of CPA among dental professionals in a Tricity in India. A cross-sectional study was conducted among 265 private dental practitioners in Tricity. A close-ended self-structured questionnaire was administered which contained 15 questions on knowledge and awareness regarding CPA. Categorization of knowledge scores was done at three levels-low, medium and high. Statistical analysis was done using ANOVA and Student t-test. 54.7% (145) of subjects were having low knowledge scores, 23.3% (62) had a medium score and 21.8% (58) had a high score. Mean knowledge score according to educational level was statistically significant (P<0.05), whereas there was no significant difference in case of gender and type of practice (P > 0.05). The results of the present study showed that majority of the subjects were aware of the existence of CPA but knowledge regarding basic rules and regulations was lacking in few studies. Therefore, dental professionals need to keep them updated of various rules and latest amendments to save themselves from any litigation.

76 FR 43549 - Office of Thrift Supervision Integration; Dodd-Frank Act Implementation

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-21

...The Office of the Comptroller of the Currency (OCC) is adopting amendments to its regulations governing organization and functions, availability and release of information, post-employment restrictions for senior examiners, and assessment of fees to incorporate the transfer of certain functions of the Office of Thrift Supervision (OTS) to the OCC pursuant to Title III of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The OCC also is amending its rules pertaining to preemption and visitorial powers to implement various sections of the Act; change in control of credit card banks and trust banks to implement section 603 of the Act; and deposit- taking by uninsured Federal branches to implement section 335 of the Act.

Patient Protection and Affordable Care Act; HHS Notice of Benefit and Payment Parameters for 2018; Amendments to Special Enrollment Periods and the Consumer Operated and Oriented Plan Program. Final rule.

PubMed

2016-12-22

This final rule sets forth payment parameters and provisions related to the risk adjustment program; cost-sharing parameters and cost-sharing reductions; and user fees for Federally-facilitated Exchanges and State-based Exchanges on the Federal platform. It also provides additional guidance relating to standardized options; qualified health plans; consumer assistance tools; network adequacy; the Small Business Health Options Programs; stand-alone dental plans; fair health insurance premiums; guaranteed availability and guaranteed renewability; the medical loss ratio program; eligibility and enrollment; appeals; consumer-operated and oriented plans; special enrollment periods; and other related topics.

75 FR 77051 - Rules Implementing Amendments to the Investment Advisers Act of 1940

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-10

...The Securities and Exchange Commission is proposing new rules and rule amendments under the Investment Advisers Act of 1940 to implement provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act. These rules and rule amendments are designed to give effect to provisions of Title IV of the Dodd-Frank Act that, among other things, increase the statutory threshold for registration by investment advisers with the Commission, require advisers to hedge funds and other private funds to register with the Commission, and require reporting by certain investment advisers that are exempt from registration. In addition, we are proposing rule amendments, including amendments to the Commission's pay-to-play rule, that address a number of other changes to the Advisers Act made by the Dodd-Frank Act.

16 CFR 1031.3 - Consumer Product Safety Act amendments.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 16 Commercial Practices 2 2010-01-01 2010-01-01 false Consumer Product Safety Act amendments. 1031.3 Section 1031.3 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION GENERAL COMMISSION... Consumer Product Safety Act amendments. The Consumer Product Safety Act, as amended, contains several...

16 CFR 1031.3 - Consumer Product Safety Act amendments.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 16 Commercial Practices 2 2011-01-01 2011-01-01 false Consumer Product Safety Act amendments. 1031.3 Section 1031.3 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION GENERAL COMMISSION... Consumer Product Safety Act amendments. The Consumer Product Safety Act, as amended, contains several...

78 FR 66621 - Protection of Collateral of Counterparties to Uncleared Swaps; Treatment of Securities in a...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-06

...The Commodity Futures Trading Commission (the ``Commission'') is issuing final rules implementing new statutory provisions enacted by Title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the ``Dodd-Frank Act''). Specifically, the final rule contained herein imposes requirements on swap dealers (``SDs'') and major swap participants (``MSPs'') with respect to the treatment of collateral posted by their counterparties to margin, guarantee, or secure uncleared swaps. Additionally, the final rule includes revisions to ensure that, for purposes of subchapter IV of chapter 7 of the Bankruptcy Code, securities held in a portfolio margining account that is a futures account or a Cleared Swaps Customer Account constitute ``customer property''; and owners of such account constitute ``customers.''

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.

77 FR 69553 - Policy Statement on the Principles for Development and Distribution of Annual Stress Test Scenarios

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-20

... Development and Distribution of Annual Stress Test Scenarios AGENCY: Federal Deposit Insurance Corporation... distributing the stress test scenarios for the annual stress tests required by the Dodd- Frank Wall Street Reform and Consumer Protection Act of 2010 as implemented by the Annual Stress Test final rule (``Stress...

77 FR 31622 - Agency Information Collection Activities; Submission for Office of Management and Budget Review...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-29

... Request; Adverse Event Reporting and Recordkeeping for Dietary Supplements as Required by the Dietary... Recordkeeping for Dietary Supplements as Required by the Dietary Supplement and Nonprescription Drug Consumer Protection Act--21 U.S.C. 379aa-1(b)(1) (OMB Control Number 0910- 0635)--Extension The Dietary Supplement and...

New CPSC Standards Require Replacing All Cribs in Child Care Programs

ERIC Educational Resources Information Center

Karolak, Eric

2011-01-01

Consumer Product Safety Commission (CPSC) is charged with protecting the public from unreasonable risks of injury or death from some 15,000 products, including cribs, toys, and a host of other products used in early childhood and school-age programs. Smart early childhood professionals act on those recalls promptly, working in partnership with the…

75 FR 59609 - Rescission of Regulations Under the Comprehensive Smokeless Tobacco Health Education Act of 1986

Federal Register 2010, 2011, 2012, 2013, 2014

2010-09-28

..., Attorney, Division of Advertising Practices, Bureau of Consumer Protection, Federal Trade Commission, 600... rotating basis one of three statutory health warnings on product packages and in most advertising (other... of such action. See 5 U.S.C. 603(a), 604(b). List of Subjects in 16 CFR Part 307 Advertising...

78 FR 1306 - Transition Period Under Section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-08

... DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency [Docket ID OCC-2013-0001...: Office of the Comptroller of the Currency, Department of the Treasury. ACTION: Notice of guidance. SUMMARY: The Office of the Comptroller of the Currency (OCC) is notifying insured Federal depository...

12 CFR 1024.6 - Special information booklet at time of loan application.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Special information booklet at time of loan application. 1024.6 Section 1024.6 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X) § 1024.6 Special information booklet at time of loan application. (a...

12 CFR 1024.3 - Questions or suggestions from public and copies of public guidance documents.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Questions or suggestions from public and copies of public guidance documents. 1024.3 Section 1024.3 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X) § 1024.3 Questions or suggestions from public...

12 CFR 1024.3 - Questions or suggestions from public and copies of public guidance documents.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Questions or suggestions from public and copies of public guidance documents. 1024.3 Section 1024.3 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X) § 1024.3 Questions or suggestions from public...

Internet marketing directed at children on food and restaurant websites in two policy environments.

PubMed

Kent, M Potvin; Dubois, L; Kent, E A; Wanless, A J

2013-04-01

Food and beverage marketing has been associated with childhood obesity yet little research has examined the influence of advertising policy on children's exposure to food/beverage marketing on the Internet. The purpose of this study was to assess the influence of Quebec's Consumer Protection Act and the self-regulatory Canadian Children's Food and Beverage Advertising Initiative (CAI) on food manufacturer and restaurant websites in Canada. A content analysis of 147 French and English language food and restaurant websites was undertaken. The presence of child-directed content was assessed and an analysis of marketing features, games and activities, child protection features, and the promotion of healthy lifestyle messages was then examined on those sites with child-directed content. There were statistically no fewer French language websites (n = 22) with child-directed content compared to English language websites (n = 27). There were no statistically significant differences in the number of the various marketing features, or in the average number of marketing features between the English and French websites. There were no fewer CAI websites (n = 14) with child-directed content compared to non-CAI websites (n = 13). The CAI sites had more healthy lifestyle messages and child protection features compared to the non-CAI sites. Systematic surveillance of the Consumer Protection Act in Quebec is recommended. In the rest of Canada, the CAI needs to be significantly expanded or replaced by regulatory measures to adequately protect children from the marketing of foods/beverages high in fat, sugar, and sodium on the Internet. Copyright © 2012 The Obesity Society.

Procedures for the Handling of Retaliation Complaints Under Section 1558 of the Affordable Care Act. Final rule.

PubMed

2016-10-13

This document provides the final text of regulations governing employee protection (retaliation or whistleblower) claims under section 1558 of the Affordable Care Act, which added section 18C to the Fair Labor Standards Act to provide protections to employees who may have been subject to retaliation for seeking assistance under certain affordability assistance provisions (for example, health insurance premium tax credits) or for reporting potential violations of the Affordable Care Act's consumer protections (for example, the prohibition on rescissions). An interim final rule (IFR) governing these provisions and request for comments was published in the Federal Register on February 27, 2013. Thirteen comments were received; eleven were responsive to the IFR. This rule responds to those comments and establishes the final procedures and time frames for the handling of retaliation complaints under section 18C, including procedures and time frames for employee complaints to the Occupational Safety and Health Administration (OSHA), investigations by OSHA, appeals of OSHA determinations to an administrative law judge (ALJ) for a hearing de novo, hearings by ALJs, review of ALJ decisions by the Administrative Review Board (ARB) (acting on behalf of the Secretary of Labor), and judicial review of the Secretary of Labor's (Secretary's) final decision. It also sets forth the Secretary's interpretations of the Affordable Care Act whistleblower provision on certain matters.

78 FR 10367 - Appraisals for Higher-Priced Mortgage Loans

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-13

...The Board, Bureau, FDIC, FHFA, NCUA, and OCC (collectively, the Agencies) are issuing a final rule to amend Regulation Z, which implements the Truth in Lending Act (TILA), and the official interpretation to the regulation. The revisions to Regulation Z implement a new provision requiring appraisals for ``higher-risk mortgages'' that was added to TILA by the Dodd-Frank Wall Street Reform and Consumer Protection Act (the Dodd-Frank Act or Act). For mortgages with an annual percentage rate that exceeds the average prime offer rate by a specified percentage, the final rule requires creditors to obtain an appraisal or appraisals meeting certain specified standards, provide applicants with a notification regarding the use of the appraisals, and give applicants a copy of the written appraisals used.

13 CFR 123.15 - What if I change my mind?

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false What if I change my mind? 123.15... § 123.15 What if I change my mind? If SBA required you to pledge collateral for your loan, you may change your mind and rescind your loan pursuant to the Consumer Credit Protection Act, 15 U.S.C. 1601...

13 CFR 123.15 - What if I change my mind?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false What if I change my mind? 123.15... § 123.15 What if I change my mind? If SBA required you to pledge collateral for your loan, you may change your mind and rescind your loan pursuant to the Consumer Credit Protection Act, 15 U.S.C. 1601...

13 CFR 123.15 - What if I change my mind?

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false What if I change my mind? 123.15... § 123.15 What if I change my mind? If SBA required you to pledge collateral for your loan, you may change your mind and rescind your loan pursuant to the Consumer Credit Protection Act, 15 U.S.C. 1601...

13 CFR 123.15 - What if I change my mind?

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What if I change my mind? 123.15... § 123.15 What if I change my mind? If SBA required you to pledge collateral for your loan, you may change your mind and rescind your loan pursuant to the Consumer Credit Protection Act, 15 U.S.C. 1601...

13 CFR 123.15 - What if I change my mind?

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false What if I change my mind? 123.15... § 123.15 What if I change my mind? If SBA required you to pledge collateral for your loan, you may change your mind and rescind your loan pursuant to the Consumer Credit Protection Act, 15 U.S.C. 1601...

77 FR 68047 - Policy Statement on the Principles for Development and Distribution of Annual Stress Test Scenarios

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-15

.... OCC-2012-0016] Policy Statement on the Principles for Development and Distribution of Annual Stress... and factors to be used by the OCC in development and distributing the stress test scenarios for the annual stress test required by the Dodd- Frank Wall Street Reform and Consumer Protection Act of 2010 as...

76 FR 54374 - Disclosure for Asset-Backed Securities Required by Section 943 of the Dodd-Frank Wall Street...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-01

... SECURITIES AND EXCHANGE COMMISSION 17 CFR PART 240 [Release Nos. 33-9175A; 34-63741A; File No. S7-24-10] RIN 3235-AK75 Disclosure for Asset-Backed Securities Required by Section 943 of the Dodd-Frank Wall Street Reform and Consumer Protection Act AGENCY: Securities and Exchange Commission. ACTION...

Twenty Years of the Dietary Supplement Health and Education Act--How Should Dietary Supplements Be Regulated?

PubMed

Wallace, Taylor C

2015-08-01

The Dietary Supplement Health and Education Act (DSHEA) of 1994 defines the FDA's statutory authority to regulate dietary supplement products in the United States. The dietary supplement industry has rapidly expanded since 1994, presenting an obvious need for "DSHEA 2.0." Current regulations surrounding dietary supplements have been increasingly and reasonably scrutinized, given their widespread use by over one-half of the US population as well as highly publicized safety concerns over the past 20 y. As the market continues to expand and evolve, so too must the laws that protect consumers from potential harm and misleading communication. This article is meant to begin a scientific dialogue on how regulations may be improved to provide both ease of access and safer products to the consumer by focusing on 4 topics: premarket approval, label claims, current Good Manufacturing Practices, and adverse event reporting. © 2015 American Society for Nutrition.

Food labeling; nutrition labeling of standard menu items in restaurants and similar retail food establishments. Final rule.

PubMed

2014-12-01

To implement the nutrition labeling provisions of the Patient Protection and Affordable Care Act of 2010 (Affordable Care Act or ACA), the Food and Drug Administration (FDA or we) is requiring disclosure of certain nutrition information for standard menu items in certain restaurants and retail food establishments. The ACA, in part, amended the Federal Food, Drug, and Cosmetic Act (the FD&C Act), among other things, to require restaurants and similar retail food establishments that are part of a chain with 20 or more locations doing business under the same name and offering for sale substantially the same menu items to provide calorie and other nutrition information for standard menu items, including food on display and self-service food. Under provisions of the ACA, restaurants and similar retail food establishments not otherwise covered by the law may elect to become subject to these Federal requirements by registering every other year with FDA. Providing accurate, clear, and consistent nutrition information, including the calorie content of foods, in restaurants and similar retail food establishments will make such nutrition information available to consumers in a direct and accessible manner to enable consumers to make informed and healthful dietary choices.

[Legal development of consumer protection from the Federal Office of Consumer Protection and Food Safety standpoint].

PubMed

Püster, M

2010-06-01

Ten years after publication of the White Paper on Food Safety, health consumer protection has made significant progress and, today, is a key field in politics at both the European and German levels. In addition to the protection of health and security of consumers, consumer information has become a core element of consumer protection for the Federal Office of Consumer Protection and Food Safety (Bundesamt für Verbraucherschutz and Lebensmittelsicherheit, BVL). State authorities are provided with new means of communication and interaction with consumers.

16 CFR 1500.88 - Exemptions from lead limits under section 101 of the Consumer Product Safety Improvement Act for...

Code of Federal Regulations, 2010 CFR

2010-01-01

... 101 of the Consumer Product Safety Improvement Act for certain electronic devices. 1500.88 Section... from lead limits under section 101 of the Consumer Product Safety Improvement Act for certain electronic devices. (a) The Consumer Product Safety Improvement Act (CPSIA) provides for specific lead limits...

Servicemembers Civil Relief Act: Information on Mortgage Protections and Related Education Efforts

DTIC Science & Technology

2014-01-01

activities; legal assistance attorneys provide counseling; and a number of outreach media , such as publications and websites, are aimed at informing...to servicemembers. DOD and the Consumer Federation of America also conduct the Military Saves Campaign every year, a social marketing campaign to...theft, and insurance scams targeted at servicemembers and their families. DOD established its financial education partnerships by signing memorandums

A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection.

THOMAS, 112th Congress

Sen. Johnson, Tim [D-SD

2012-02-09

Senate - 02/09/2012 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (All Actions) Notes: For further action, see H.R.4014, which became Public Law 112-215 on 12/20/2012. Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Estimating the impact of the medical loss ratio rule: a state-by-state analysis.

PubMed

Hall, Mark A; McCue, Michael J

2012-04-01

One of the most visible consumer protections in the Patient Protection and Affordable Care Act is the requirement that health insurers pay out at least 80 percent to 85 percent of premium dollars for medical care expenses. Insurers that pay out less than this minimum "medical loss ratio" (MLR) must rebate the difference to their policyholders, starting in 2011. Using insurers' MLR data from 2010, this issue brief estimates the rebates expected in each state if the new rules had been in effect a year earlier. Nationally, consumers would have received almost $2 billion of rebates if the new MLR rules had been in effect in 2010. Almost $1 billion would be in the individual market, where rebates would go to 5.3 million people nationally. Another $1 billion would go to policies covering about 10 million people in the small- and large-group markets.

The Dangerous Mix of Adolescents and Dietary Supplements for Weight Loss and Muscle Building: Legal Strategies for State Action.

PubMed

Pomeranz, Jennifer L; Barbosa, Grant; Killian, Caroline; Austin, S Bryn

2015-01-01

Adolescents use dietary supplements marketed for weight loss or muscle building, but these are not recommended by physicians. These products are often ineffective, adulterated, mislabeled, or have unclear dosing recommendations, and consumers have suffered injury and death as a consequence. When Congress passed the Dietary Supplement Health and Education Act, it stripped the Food and Drug Administration of its premarket authority, rendering regulatory controls too weak to adequately protect consumers. State government intervention is thus warranted. This article reviews studies reporting on Americans' use of dietary supplements marketed for weight loss or muscle building, notes the particular dangers these products pose to the youth, and suggests that states can build on their historical enactment of regulatory controls for products with potential health consequences to protect the public and especially young people from unsafe and mislabeled dietary supplements.

75 FR 5716 - Federal Acquisition Regulation; FAR Case 2008-024, Inflation Adjustment of Acquisition-Related...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-02-04

... Consumer Price Index for all urban consumers, except for Davis-Bacon Act, Service Contract Act, and trade... consumers, except for Davis-Bacon Act, Service Contract Act, and trade agreements thresholds (see FAR 1.109... acquisition-related thresholds established by the Davis-Bacon Act, the Service Contract Act, or the United...

75 FR 43942 - Children's Products Containing Lead; Technological Feasibility of 100 ppm for Lead Content...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-07-27

...Section 101(a) of the Consumer Product Safety Improvement Act (``CPSIA'') provides that, as of August 11, 2011, children's products may not contain more than 100 parts per million (``ppm'') of lead, unless the Consumer Product Safety Commission (``CPSC'' or ``Commission''), determines that it is not technologically feasible, after notice and a hearing and after analyzing the public health protections associated with substantially reducing lead in children's products. The reduction can be for a product or product category. This notice requests comment and information on the technological feasibility of meeting the 100 ppm lead content limit for children's products.

7 CFR 1215.1 - Act.

Code of Federal Regulations, 2013 CFR

2013-01-01

... ORDERS; MISCELLANEOUS COMMODITIES), DEPARTMENT OF AGRICULTURE POPCORN PROMOTION, RESEARCH, AND CONSUMER INFORMATION Popcorn Promotion, Research, and Consumer Information Order Definitions § 1215.1 Act. Act means the Popcorn Promotion, Research, and Consumer Information Act of 1995, Subtitle E of Title V of the...

7 CFR 1215.1 - Act.

Code of Federal Regulations, 2014 CFR

2014-01-01

... ORDERS; MISCELLANEOUS COMMODITIES), DEPARTMENT OF AGRICULTURE POPCORN PROMOTION, RESEARCH, AND CONSUMER INFORMATION Popcorn Promotion, Research, and Consumer Information Order Definitions § 1215.1 Act. Act means the Popcorn Promotion, Research, and Consumer Information Act of 1995, Subtitle E of Title V of the...

7 CFR 1215.1 - Act.

Code of Federal Regulations, 2011 CFR

2011-01-01

... ORDERS; MISCELLANEOUS COMMODITIES), DEPARTMENT OF AGRICULTURE POPCORN PROMOTION, RESEARCH, AND CONSUMER INFORMATION Popcorn Promotion, Research, and Consumer Information Order Definitions § 1215.1 Act. Act means the Popcorn Promotion, Research, and Consumer Information Act of 1995, Subtitle E of Title V of the...

7 CFR 1215.1 - Act.

Code of Federal Regulations, 2012 CFR

2012-01-01

... ORDERS; MISCELLANEOUS COMMODITIES), DEPARTMENT OF AGRICULTURE POPCORN PROMOTION, RESEARCH, AND CONSUMER INFORMATION Popcorn Promotion, Research, and Consumer Information Order Definitions § 1215.1 Act. Act means the Popcorn Promotion, Research, and Consumer Information Act of 1995, Subtitle E of Title V of the...

7 CFR 1215.1 - Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... ORDERS; MISCELLANEOUS COMMODITIES), DEPARTMENT OF AGRICULTURE POPCORN PROMOTION, RESEARCH, AND CONSUMER INFORMATION Popcorn Promotion, Research, and Consumer Information Order Definitions § 1215.1 Act. Act means the Popcorn Promotion, Research, and Consumer Information Act of 1995, Subtitle E of Title V of the...

7 CFR 1209.1 - Act.

Code of Federal Regulations, 2012 CFR

2012-01-01

... ORDERS; MISCELLANEOUS COMMODITIES), DEPARTMENT OF AGRICULTURE MUSHROOM PROMOTION, RESEARCH, AND CONSUMER INFORMATION ORDER Mushroom Promotion, Research, and Consumer Information Order Definitions § 1209.1 Act. Act means the Mushroom Promotion, Research, and Consumer Information Act of 1990, subtitle B of title XIX of...

7 CFR 1209.1 - Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... ORDERS; MISCELLANEOUS COMMODITIES), DEPARTMENT OF AGRICULTURE MUSHROOM PROMOTION, RESEARCH, AND CONSUMER INFORMATION ORDER Mushroom Promotion, Research, and Consumer Information Order Definitions § 1209.1 Act. Act means the Mushroom Promotion, Research, and Consumer Information Act of 1990, subtitle B of title XIX of...

7 CFR 1209.1 - Act.

Code of Federal Regulations, 2013 CFR

2013-01-01

... ORDERS; MISCELLANEOUS COMMODITIES), DEPARTMENT OF AGRICULTURE MUSHROOM PROMOTION, RESEARCH, AND CONSUMER INFORMATION ORDER Mushroom Promotion, Research, and Consumer Information Order Definitions § 1209.1 Act. Act means the Mushroom Promotion, Research, and Consumer Information Act of 1990, subtitle B of title XIX of...

7 CFR 1209.1 - Act.

Code of Federal Regulations, 2014 CFR

2014-01-01

... ORDERS; MISCELLANEOUS COMMODITIES), DEPARTMENT OF AGRICULTURE MUSHROOM PROMOTION, RESEARCH, AND CONSUMER INFORMATION ORDER Mushroom Promotion, Research, and Consumer Information Order Definitions § 1209.1 Act. Act means the Mushroom Promotion, Research, and Consumer Information Act of 1990, subtitle B of title XIX of...

7 CFR 1209.1 - Act.

Code of Federal Regulations, 2011 CFR

2011-01-01

... ORDERS; MISCELLANEOUS COMMODITIES), DEPARTMENT OF AGRICULTURE MUSHROOM PROMOTION, RESEARCH, AND CONSUMER INFORMATION ORDER Mushroom Promotion, Research, and Consumer Information Order Definitions § 1209.1 Act. Act means the Mushroom Promotion, Research, and Consumer Information Act of 1990, subtitle B of title XIX of...

Health insurance exchanges under the Patient Protection and Affordable Care Act: regulatory and design challenges.

PubMed

Hoffmann, Stephanie M

2012-12-01

Under the Patient Protection and Affordable Care Act, all states are required to establish health insurance exchanges, marketplaces where individuals and small businesses can purchase health care coverage. In establishing these exchanges, states must address a range of regulatory and design issues to ensure that their exchanges are sustainable and meet the needs of their populations. The issues include the degree of federal involvement in the management of the exchanges, the overall structure and governance of the exchanges, the requirements for insurance plans to be offered on the exchanges, and the design of the exchanges themselves. Each of these issues will play a crucial role in determining the quality of coverage offered to consumers and how effectively they can access that coverage. Copyright © 2012 American College of Radiology. Published by Elsevier Inc. All rights reserved.

77 FR 35199 - Swap Data Recordkeeping and Reporting Requirements: Pre-Enactment and Transition Swaps

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-12

...The Commodity Futures Trading Commission (``Commission'' or ``CFTC'') is adopting rules to further implement the Commodity Exchange Act (``CEA'' or ``Act'') with respect to the new statutory framework regarding swap data recordkeeping and reporting established by the Dodd-Frank Wall Street Reform and Consumer Protection Act (``Dodd-Frank Act''). The Dodd-Frank Act, which amended the CEA, directs that rules adopted by the Commission shall provide for the reporting of data relating to swaps entered into before the date of enactment of the Dodd-Frank Act, the terms of which have not expired as of the date of enactment of the Dodd-Frank Act (``pre-enactment swaps'') and data relating to swaps entered into on or after the date of enactment of the Dodd-Frank Act and prior to the compliance date specified in the Commission's final swap data reporting rules (``transition swaps''). These final rules establish swap data recordkeeping and reporting requirements for pre-enactment swaps and transition swaps.

Local government: The sleeping giant in electric industry restructuring

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

Ridley, S.

1997-11-01

Public power has long been a cornerstone of consumer leverage in the electric industry. But its foundation consists of a much broader and deeper consumer authority. Understanding that authority - and present threats to it - is critical to restructuring of the electric industry as well as to the future of public power. The country has largely forgotten the role that local governments have played and continue to play in the development of the electric industry. Moreover, we risk losing sight of the options local governments may offer to protect consumers, to advance competition in the marketplace, and to enhancemore » opportunities for technology and economic development. The future role of local government is one of the most important issues in the restructuring discussion. The basic authority of consumers rests at the local level. The resulting options consumers have to act as more than just respondents to private brokers and telemarketing calls are at the local level. And the ability for consumers to shape the marketplace and standards for what it will offer exists at the local level as well.« less

Knowledge and awareness of the Consumer Protection Act among dental professionals in India: A systematic review.

PubMed

Singh, Gurminder; Gambhir, Ramandeep Singh; Singh, Simarpreet; Talwar, Puneet Singh; Munjal, Vaibhav

2014-07-01

The medical profession has been included in the Consumer Protection Act (CPA), to protect the interests of the patients in case of any unethical treatment rendered by the doctor. The present systematic review was conducted to assess the knowledge and awareness of CPA among dental professionals in India. A systematic review of relevant cross-sectional observational studies was conducted regarding the level of knowledge and awareness of CPA among dental professionals in India. Five studies out of 44 were finally included in the present review, after conducting both an electronic and manual search of scientific databases. The potential biases were reported and appropriate data was extracted by the concerned investigators. More than 90% of the study subjects in one of the studies were aware of the CPA, as compared to other studies. In two studies, when queried about the correct time period during which a patient can sue a doctor, very few subjects (18 and 23.2%) answered correctly. Almost 90% of the subjects were taking some form of consent in one of the studies. Private practitioners had more awareness as compared to academicians and combined practitioners. The results of the present review showed that a majority of the subjects were aware of the existence of CPA, but knowledge about the basic rules and regulations was lacking in a few studies. Therefore, dental professionals need to keep themselves updated on the various rules and latest amendments to save themselves from any litigation.

Issue Papers To Consumer Protection in Postsecondary Education.

ERIC Educational Resources Information Center

1974

This document is intended to present background information on the basic consumer protection issues in postsecondary education. Topics discussed are: (1) recruitment practices of postsecondary schools; (2) the role of a state agency in consumer protection; (3) consumer rights, responsibilities and redress of consumer protection; (4) advertising…

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.

Forensic psychiatry in India current status and future development.

PubMed

Shah, L P

1999-07-01

Forensic psychiatry is a developing superspeciality in India and other SAARC countries. After a brief historical review, the paper describes the current status of forensic psychiatry in India and compares it with the development in this field in Europe and America. It takes the stock of current scenario in three different areas viz., i) legal and clinical ii) teaching and training and Hi) research. It deliberates on need for teaching this subject at the undergraduate and the postgraduate medical and legal courses and necessity of full time consultants devoted to the practice of forensic psychiatry. It focuses on the recent developments in the field of forensic psychiatry like enactment of Narcotic and Psychotropic Substance Act (1985), Mental Health Act (1987), Juvenile Justice Act (1989), Act for the Disabled (1994) and the Consumer Protection Act (1986). The paper also recommends some strategies for teaching, training, research and future developments in this field.

FORENSIC PSYCHIATRY IN INDIA CURRENT STATUS AND FUTURE DEVELOPMENT

PubMed Central

Shah, L.P.

1999-01-01

Forensic psychiatry is a developing superspeciality in India and other SAARC countries. After a brief historical review, the paper describes the current status of forensic psychiatry in India and compares it with the development in this field in Europe and America. It takes the stock of current scenario in three different areas viz., i) legal and clinical ii) teaching and training and Hi) research. It deliberates on need for teaching this subject at the undergraduate and the postgraduate medical and legal courses and necessity of full time consultants devoted to the practice of forensic psychiatry. It focuses on the recent developments in the field of forensic psychiatry like enactment of Narcotic and Psychotropic Substance Act (1985), Mental Health Act (1987), Juvenile Justice Act (1989), Act for the Disabled (1994) and the Consumer Protection Act (1986). The paper also recommends some strategies for teaching, training, research and future developments in this field. PMID:21455388

Medical negligence liability under the consumer protection act: A review of judicial perspective.

PubMed

Joga Rao, S V

2009-07-01

It is important to know what constitutes medical negligence. A doctor owes certain duties to the patient who consults him for illness. A deficiency in this duty results in negligence. A basic knowledge of how medical negligence is adjudicated in the various judicial courts of India will help a doctor to practice his profession without undue worry about facing litigation for alleged medical negligence.

Medical negligence liability under the consumer protection act: A review of judicial perspective

PubMed Central

Joga Rao, S. V.

2009-01-01

It is important to know what constitutes medical negligence. A doctor owes certain duties to the patient who consults him for illness. A deficiency in this duty results in negligence. A basic knowledge of how medical negligence is adjudicated in the various judicial courts of India will help a doctor to practice his profession without undue worry about facing litigation for alleged medical negligence. PMID:19881133

White Sands Missile Range 2011 Drinking Water Quality Report

DTIC Science & Technology

2012-01-01

This Annual Drinking Water Quality Report, or the Consumer Confi dence Report, is required by the Safe Drinking Water Act (SDWA). The SDWA ensures...public drinking water systems meet national standards for the protection of your health. This report provides details about where your water comes...NMED). WSMR tap water meets all EPA and NMED drinking water standards. What is This Water Quality Report? Este informe contiene informacion importante

76 FR 38458 - Departmental Offices; Submission for OMB Review, Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-30

...: 30-Day Notice of Information Collection Under Review: Consumer Financial Protection Bureau Consumer..., Consumer Financial Protection Bureau, Consumer Response, 1801 L Street, NW., Washington, DC 20036, by...: Consumer Financial Protection Bureau Consumer Response Intake Fields. OMB Control Number: New. Abstract...

Staff and consumer perspectives on defining treatment success and failure in assertive community treatment.

PubMed

Stull, Laura G; McGrew, John H; Salyers, Michelle P

2010-09-01

Although assertive community treatment (ACT) has been consistently recognized as effective, there has been little research as to what constitutes success in ACT. The purpose of this study was to understand how ACT consumers and staff define treatment success and failure and to examine whether definitions varied between staff and consumers. Investigators conducted semistructured interviews with 25 staff and 23 consumers from four ACT teams. Across perspectives, success and failure were most clearly related to consumer factors. Other themes included having basic needs met, being socially involved, and taking medications. Reduced hospitalizations were mentioned infrequently. Consumers were more likely than staff to identify the level or type of treatment as defining success and failure, whereas staff were more likely than consumers to discuss substance abuse when defining failure and improved symptoms when defining success. Success in ACT should be viewed more broadly than reduced hospitalizations and include domains such as social involvement.

16 CFR 1500.91 - Determinations regarding lead content for certain materials or products under section 101 of the...

Code of Federal Regulations, 2010 CFR

2010-01-01

... certain materials or products under section 101 of the Consumer Product Safety Improvement Act. 1500.91 Section 1500.91 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION FEDERAL HAZARDOUS SUBSTANCES ACT... Safety Improvement Act. (a) The Consumer Product Safety Improvement Act provides for specific lead limits...

Implementing the Affordable Care Act: state approaches to premium rate reforms in the individual health insurance market.

PubMed

Giovannelli, Justin; Lucia, Kevin W; Corlette, Sabrina

2014-12-01

The Affordable Care Act protects people from being charged more for insurance based on factors like medical history or gender and establishes new limits on how insurers can adjust premiums for age, tobacco use, and geography. This brief examines how states have implemented these federal reforms in their individual health insurance markets. We identify state rating standards for the first year of full implementation of reform and explore critical considerations weighed by policymakers as they determined how to adopt the law's requirements. Most states took the opportunity to customize at least some aspect of their rating standards. Interviews with state regulators reveal that many states pursued implementation strategies intended primarily to minimize market disruption and premium shock and therefore established standards as consistent as possible with existing rules or market practice. Meanwhile, some states used the transition period to strengthen consumer protections, particularly with respect to tobacco rating.

The Patient Protection and Affordable Care Act and Reproductive Health: Harnessing Data to Improve Care

PubMed Central

Stulberg, Debra

2013-01-01

The Patient Protection and Affordable Care Act (PPACA) has great potential to improve reproductive health through several components: expanded coverage of people of reproductive age; required coverage of many reproductive health services; and insurance exchange structures that encourage individuals and states to hold plans and providers accountable. These components can work together to improve reproductive health. But in order for this to work, consumers and states need information with which to assess plans. This review article summarizes state contracting theory and argues that states should use this structure to require health plans to collect and report meaningful data that patients, providers, plans, payers, and third-party researchers can access. Now that the Supreme Court has upheld the PPACA and states must set up health insurance exchanges, populations can benefit from improved care and outcomes through data transparency. PMID:23262767

76 FR 10671 - Assessments, Large Bank Pricing

Federal Register 2010, 2011, 2012, 2013, 2014

2011-02-25

...The FDIC is amending its regulations to implement revisions to the Federal Deposit Insurance Act made by the Dodd-Frank Wall Street Reform and Consumer Protection Act (``Dodd-Frank'') by modifying the definition of an institution's deposit insurance assessment base; to change the assessment rate adjustments; to revise the deposit insurance assessment rate schedules in light of the new assessment base and altered adjustments; to implement Dodd-Frank's dividend provisions; to revise the large insured depository institution assessment system to better differentiate for risk and better take into account losses from large institution failures that the FDIC may incur; and to make technical and other changes to the FDIC's assessment rules.

Direct-to-Consumer Genetic Testing: Finding a Clear Path Forward.

PubMed

Seward, Brendan

2017-01-01

Regulatory compliance in the direct-to-consumer genetic testing market is highly sophisticated as there are numerous federal, state, and ethical barriers to entry. In 2010, amid an underregulated market, 23andMe sought to do what few companies in the medical industry had attempted before-disregard the guidance and requests of the US Food and Drug Administration. This regulatory strategy effectively destined the company's Personal Genome Service for failure; however, the company changed course and has been granted several regulatory clearances. This exemplifies the importance of a healthy relationship with regulatory agencies, although challenges remain. The DTC industry continues to have a perplexing regulatory framework at both the federal and state level. There are also ethical concerns with the monetization of deidentified genetic health information, as genetic data have an inherent level of identifiability and are not fully protected by the Health Insurance Portability and Accountability Act (HIPAA) Privacy Rule in these scenarios. Although some DTC tests are now cleared in the United States, the concern that a learned intermediary is needed for interpretation of results remains. The regulatory oversight of this market will need to continue to develop to ensure the protection of consumer health and privacy.

75 FR 70973 - Registration of Foreign Boards of Trade

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-19

...The Commodity Futures Trading Commission (Commission or CFTC) is proposing rules to implement new statutory provisions enacted by Title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act. These proposed rules establish a registration requirement that applies to foreign boards of trade (FBOT) that wish to provide their identified members or other participants located in the United States with direct access to their electronic trading and order matching systems.

To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes.

THOMAS, 113th Congress

Rep. Barr, Andy [R-KY-6

2014-09-15

Senate - 09/17/2014 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (All Actions) Tracker: This bill has the status Passed HouseHere are the steps for Status of Legislation:

Assessment of cost sharing in the Pima County Marketplace.

PubMed

Jennings, Nicholas B; Eng, Howard J

2017-01-01

The Patient Protection and Affordable Care Act established health insurance marketplaces to allow consumers to make educated decisions about their health care coverage. During the first open enrollment period in 2013, the federally facilitated marketplace in Pima County, Arizona listed 119 plans, making it one of the most competitive markets in the country. This study compares these plans based on differences in consumer cost sharing, including deductibles, co-pays and premiums. Consumer costs were reviewed using specific cases including a normal delivery pregnancy, the management of Type II Diabetes, and the utilization of specialty drugs to treat Hepatitis C. Total cost of care was calculated as the cost of managing the condition or event plus the cost of monthly premiums, evaluated as a single individual age 27. Evaluating a plan on premium alone is not sufficient as cost sharing can dramatically raise the cost of care. A rating system and better cost transparency tools could provider easier access to pertinent information for consumers. Copyright © 2016 Elsevier Ireland Ltd. All rights reserved.

77 FR 32901 - State Enforcement of Household Goods Consumer Protection

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-04

... enforce certain consumer protection provisions of Title 49 of the United States Code (U.S.C.) and related... bring civil actions in the U.S. district courts to enforce the consumer protection provisions that apply..., 386, and 387 State Enforcement of Household Goods Consumer Protection AGENCY: Federal Motor Carrier...

16 CFR 1116.8 - Determination of particular model.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Section 1116.8 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS REPORTS SUBMITTED PURSUANT TO SECTION 37 OF THE CONSUMER PRODUCT SAFETY ACT § 1116.8 Determination...) Information on how consumers use the products and on consumer need or demand for different products, such as...

Knowledge and awareness of the Consumer Protection Act among dental professionals in India: A systematic review

PubMed Central

Singh, Gurminder; Gambhir, Ramandeep Singh; Singh, Simarpreet; Talwar, Puneet Singh; Munjal, Vaibhav

2014-01-01

Background: The medical profession has been included in the Consumer Protection Act (CPA), to protect the interests of the patients in case of any unethical treatment rendered by the doctor. The present systematic review was conducted to assess the knowledge and awareness of CPA among dental professionals in India. Materials and Methods: A systematic review of relevant cross-sectional observational studies was conducted regarding the level of knowledge and awareness of CPA among dental professionals in India. Five studies out of 44 were finally included in the present review, after conducting both an electronic and manual search of scientific databases. The potential biases were reported and appropriate data was extracted by the concerned investigators. Results: More than 90% of the study subjects in one of the studies were aware of the CPA, as compared to other studies. In two studies, when queried about the correct time period during which a patient can sue a doctor, very few subjects (18 and 23.2%) answered correctly. Almost 90% of the subjects were taking some form of consent in one of the studies. Private practitioners had more awareness as compared to academicians and combined practitioners. Conclusion: The results of the present review showed that a majority of the subjects were aware of the existence of CPA, but knowledge about the basic rules and regulations was lacking in a few studies. Therefore, dental professionals need to keep themselves updated on the various rules and latest amendments to save themselves from any litigation. PMID:25565744

77 FR 2613 - Registration of Swap Dealers and Major Swap Participants

Federal Register 2010, 2011, 2012, 2013, 2014

2012-01-19

...The Commodity Futures Trading Commission (Commission or CFTC) is adopting regulations under the Commodity Exchange Act (Act or CEA) that establish the process for the registration of swap dealers (SDs) and major swap participants (MSPs, and collectively with SDs, Swaps Entities) and that require Swaps Entities to become and remain members of a registered futures association (RFA). The Commission is also adopting regulations that define an ``associated person'' of an SD or MSP as a natural person and that implement the prohibition on a Swaps Entity permitting an associated person who is statutorily disqualified from registration from effecting or being involved in effecting swaps on behalf of the Swaps Entity. The Commission is adopting these regulations in accordance with section 4s of the CEA, which was recently added to the CEA by the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act).

76 FR 44289 - Amendment to Standard for All-Terrain Vehicles; Notice of Proposed Rulemaking

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-25

.... ACTION: Notice of proposed rulemaking. SUMMARY: The Consumer Product Safety Improvement Act of 2008.... Background The Consumer Product Safety Improvement Act of 2008 (``CPSIA'') directed the Commission to... and the Consumer Product Safety Improvement Act's (CPSIA) lead content requirements on ATVs intended...

Consumer Protection--Who Protects You? How Can You Protect Yourself? Proceed with Caution: Consumer Safety In the Home, I.

ERIC Educational Resources Information Center

Saskatchewan Consumer and Commercial Affairs, Regina.

The enormous and rapidly-increasing number of goods on the market makes it difficult to ensure that all consumer products are safe to use. Public concern about product safety has caused the enactment of a wide range of consumer protection laws. The result of this legislation has been that many agencies have been established to protect the public.…

75 FR 29386 - Consumer Protections for Depository Institution Sales of Insurance

Federal Register 2010, 2011, 2012, 2013, 2014

2010-05-25

... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Consumer Protections for Depository...: Consumer Protection for Depository Institution Sales of Insurance. OMB Number: 1550-0106. Regulation..., Federal Deposit Insurance Corporation, and Office of Thrift Supervision to prescribe joint consumer...

Tobacco Product Education and Health Protection Act of 1991, S. 1088. Hearing before the Subcommittee on Consumer of the Committee on Commerce, Science, and Transportation. United States Senate, One Hundred Second Congress, First Session (November 14, 1991).

ERIC Educational Resources Information Center

Congress of the U.S., Washington, DC. Senate Committee on Commerce, Science, and Transportation.

This document contains oral and written testimony of witnesses who appeared before the Senate committee considering legislation aimed at reducing tobacco addiction among minors. Opening statements were made by Senators Bryan, Ford, Gorton, Kasten, and Sanford. Witnesses included the following: the chief of police, Waunakee, Wisconsin; a…

Product safety in Great Britain and the Consumer Protection Act 1987.

PubMed

Jenkins, D W; Davies, B T

1989-09-01

The Consumer Protection Act 1987 imposes new demands on manufacturers regarding the safety of their products. They can be sued directly by any person injured by their defective goods and prosecuted if they fail to meet the new comprehensive general safety requirement and any other safety provision. Product designers and ergonomists need a sound understanding of and involvement in the legal aspects of product safety. It is now essential to take into account what may reasonably be done with goods, or foreseeable conditions of use, in order to satisfy the test of what is "reasonably safe" and meet the level of safety which "persons generally are entitled to expect" under the law. Any significant progress in product safety will now come through developments in technical standards which will be harmonised throughout the European Community. It is essential that ergonomics considerations be taken into account during the drafting of product specifications if users' interests are to be safeguarded more effectively. Ergonomists will be required to make an even greater contribution in the field of product safety, therefore, by assisting in the determination of the new statutory safety criteria. They are uniquely qualified to ensure that the product user is fully considered at the design and assessment stages which can now be looked upon as an essential pre-requisite of the law and not just sound engineering policy.

Consumer Issues and Consumer Protection in Asia.

ERIC Educational Resources Information Center

Widdows, Richard; And Others

1995-01-01

Looks at themes of consumer interests in Asia and comments on the directions consumer policy is taking in that region. Outlines issues facing the region's consumers, describes evolving consumer protection mechanisms, and presents a model for promoting consumer interests in the region. (JOW)

16 CFR 1500.89 - Procedures and requirements for determinations regarding lead content of materials or products...

Code of Federal Regulations, 2010 CFR

2010-01-01

... Safety Improvement Act. 1500.89 Section 1500.89 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION... materials or products under section 101(a) of the Consumer Product Safety Improvement Act. (a) The Consumer Product Safety Improvement Act provides for specific lead limits in children's products. Section 101(a) of...

77 FR 48207 - Further Definition of “Swap,” “Security-Based Swap,” and “Security-Based Swap Agreement”; Mixed...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-13

...In accordance with section 712(a)(8), section 712(d)(1), sections 712(d)(2)(B) and (C), sections 721(b) and (c), and section 761(b) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (``Dodd-Frank Act''), the Commodity Futures Trading Commission (``CFTC'') and the Securities and Exchange Commission (``SEC'') (collectively, ``Commissions''), in consultation with the Board of Governors of the Federal Reserve System (``Board''), are jointly adopting new rules and interpretations under the Commodity Exchange Act (``CEA'') and the Securities Exchange Act of 1934 (``Exchange Act'') to further define the terms ``swap,'' ``security-based swap,'' and ``security-based swap agreement'' (collectively, ``Product Definitions''); regarding ``mixed swaps;'' and governing books and records with respect to ``security-based swap agreements.'' The CFTC requests comment on its interpretation concerning forwards with embedded volumetric optionality, contained in Section II.B.2.(b)(ii) of this release.

76 FR 4641 - Children's Products Containing Lead; Technological Feasibility of 100 ppm for Lead Content...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-26

...Section 101(a) of the Consumer Product Safety Improvement Act (``CPSIA'') provides that, as of August 14, 2011, children's products may not contain more than 100 parts per million (``ppm'') of lead unless the Consumer Product Safety Commission (``CPSC,'' ``Commission,'' or ``we'') determines that such a limit is not technologically feasible. The Commission may make such a determination only after notice and a hearing and after analyzing the public health protections associated with substantially reducing lead in children's products. Through this notice, the Commission is announcing that it will conduct a public hearing to receive views from all interested parties about the technological feasibility of meeting the 100 ppm lead content limit for children's products and associated public health considerations.

16 CFR 1212.5 - Findings.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS SAFETY STANDARD FOR... rule, the Consumer Product Safety Act (CPSA), 15 U.S.C. 2058(f)(1), requires the Commission to consider... the risk of injury the rule is designed to eliminate or reduce; (2) The approximate number of consumer...

Protection for the Consumer; Business Education: 6463.07.

ERIC Educational Resources Information Center

Finora, Daniel

This course is designed to acquaint the student with the functions, criticisms, costs, and consumer analysis of advertising; Federal and State regulations of industry operation and advertising; Federal, State, and city agencies for consumer protection; private and business-sponsored organizations for consumer protection; and rights and…

78 FR 71706 - Advisory Committee for Aviation Consumer Protection

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-29

... 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..., Office of Aviation Enforcement and Proceedings, [email protected] ; U.S. Department of...

7 CFR 1220.101 - Act.

Code of Federal Regulations, 2011 CFR

2011-01-01

... AND ORDERS; MISCELLANEOUS COMMODITIES), DEPARTMENT OF AGRICULTURE SOYBEAN PROMOTION, RESEARCH, AND CONSUMER INFORMATION Soybean Promotion and Research Order Definitions § 1220.101 Act. The term Act means the Soybean Promotion, Research, and Consumer Information Act, subtitle E of title XIX, of the Food...

75 FR 67282 - Provisions Common to Registered Entities

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-02

...The Commodity Futures Trading Commission (``Commission'' or ``CFTC'') is proposing rules to implement new statutory provisions enacted under Title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act (``Dodd-Frank Act'') and amend existing rules affected by the passage of the Dodd-Frank Act. These proposed rules apply to designated contract markets (``DCMs''), derivatives clearing organizations (``DCOs''), swap execution facilities (``SEFs'') and swap data repositories (``SDRs''). The proposed rules implement the new statutory framework for certification and approval for new products, new rules and rule amendments submitted to the Commission by registered entities. Furthermore, the proposed rules prohibit event contracts based on certain excluded commodities, establish special procedures for certain rule changes proposed by systemically important derivatives clearing organizations (``SIDCOs''), and provide for the tolling of review periods for certain novel derivative products pending the resolution of jurisdictional determinations.

77 FR 51706 - Transportation of Household Goods in Interstate Commerce; Consumer Protection Regulations...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-27

... waiver of receipt of printed copies of consumer protection materials. The direct final rule harmonized... receipt of the consumer protection publications ``Your Rights and Responsibilities When You Move,'' and... No. FMCSA-2011-0313] RIN 2126-AB41 Transportation of Household Goods in Interstate Commerce; Consumer...

77 FR 35465 - Advisory Committee for Aviation Consumer Protection

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-13

... Committee for Aviation Consumer Protection AGENCY: Office of the Secretary (OST), Department of... first meeting of the Advisory Committee for Aviation Consumer Protection. DATES: The first meeting of... Assistant General Counsel for Aviation Enforcement and Proceedings, [email protected] , or Blane A. Workie...

77 FR 53961 - Advisory Committee for Aviation Consumer Protection

Federal Register 2010, 2011, 2012, 2013, 2014

2012-09-04

... Committee for Aviation Consumer Protection AGENCY: Office of the Secretary (OST), Department of... third meeting of the Advisory Committee for Aviation Consumer Protection. DATES: The third meeting of... Attorney, Office of the Assistant General Counsel for Aviation Enforcement and Proceedings, [email protected

77 FR 43135 - Advisory Committee for Aviation Consumer Protection

Federal Register 2010, 2011, 2012, 2013, 2014

2012-07-23

... Committee for Aviation Consumer Protection AGENCY: Office of the Secretary (OST), Department of... second meeting of the Advisory Committee for Aviation Consumer Protection. DATES: The second meeting of... Assistant General Counsel for Aviation Enforcement and Proceedings, [email protected] ; U.S. Department of...

The success of the citizen suit: protecting consumers from inaccurate food labeling by amending the Federal Food, Drug, and Cosmetic Act.

PubMed

Springer, James

2013-01-01

The Federal Food, Drug, and Cosmetic Act ("FDCA"), amended in 1990 by the Nutrition Education and Labeling Act ("NLEA"), established a national framework for the administration and promulgation of uniform food labeling standards. Specifically, the NLEA created affirmative obligations for the food--requiring detailed disclosure of food content and strict adherence to regulations governing the use of health and nutritional claims on food packaging. To accomplish these goals, Congress tasked the Food and Drug Administration ("FDA") with the sole responsibility of the enforcement of these new requirements. Under the statutory framework of the FDCA, the United States Supreme Court ("Court") has held that there is no private right of action, of which extended to the enforcement of NLEA standards. This interpretation has left individuals with no federal outlet for relief in the enforcement of federal food labeling standards. Adherence to this interpretation is especially concerning when the FDA currently faces exponential growth in administrative responsibilities while simultaneously experiencing employment reduction, a $206 million "Sequester," and a recent government-wide shutdown. As a result, the American people are left to depend on an Agency that is struggling with drastic resource reduction while being accountable for ever increasing enforcement responsibilities. To ensure consumer protection, this Article argues that Congress should amend the FDCA to include a citizen suit provision in order to provide individuals with a right of private action for the enforcement of NLEA standards. Borrowing from the successes realized under similar citizen suit provisions found in environmental legislation, this Article argues that a citizen suit provision is amendable to the FDCA and would relieve fiscal pressures, strengthen the current enforcement framework of the FDCA, encourage more robust enforcement by the FDA and states, and ensure uniform interpretation of NLEA standards.

76 FR 71554 - Civil Penalties; Notice of Adjusted Maximum Amounts

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-18

..., and the Flammable Fabrics Act. On August 14, 2009, the Consumer Product Safety Improvement Act of 2008... Product Safety Improvement Act of 1990 (Improvement Act), Public Law 101-608, 104 Stat. 3110 (November 16, 1990), and the Consumer Product Safety Improvement Act of 2008 (CPSIA), Public Law 110-314, 122 Stat...

78 FR 60381 - Amendments to the 2013 Mortgage Rules Under the Equal Credit Opportunity Act (Regulation B), Real...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-10-01

...This final rule amends some of the final mortgage rules issued by the Bureau of Consumer Financial Protection (Bureau) in January 2013. These amendments focus primarily on loss mitigation procedures under Regulation X's servicing provisions, amounts counted as loan originator compensation to retailers of manufactured homes and their employees for purposes of applying points and fees thresholds under the Home Ownership and Equity Protection Act and the Ability-to-Repay rules in Regulation Z, exemptions available to creditors that operate predominantly in ``rural or underserved'' areas for various purposes under the mortgage regulations, application of the loan originator compensation rules to bank tellers and similar staff, and the prohibition on creditor-financed credit insurance. The Bureau also is adjusting the effective dates for certain provisions of the loan originator compensation rules. In addition, the Bureau is adopting technical and wording changes for clarification purposes to Regulations B, X, and Z.

12 CFR 226.36 - Prohibited acts or practices in connection with credit secured by a consumer's principal dwelling.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Prohibited acts or practices in connection with...) Special Rules for Certain Home Mortgage Transactions § 226.36 Prohibited acts or practices in connection...) Misrepresentation of value of consumer's dwelling—(1) Coercion of appraiser. In connection with a consumer credit...

Protection of Interests of Consumers. Message from the President of the United States.

ERIC Educational Resources Information Center

Nixon, Richard

Based on the concept of "buyer's rights," this message details the following Presidential recommendations concerning consumer protection: 1) An Office of Consumer Affairs in the Executive Office of the President, with new legislative standing, an expanded budget, and greater responsibilities; 2) A Division of Consumer Protection in the…

Engaging Consumer Voices in Health Care Policy: Lessons for Social Work Practice.

PubMed

Law, Kristi Lohmeier; Saunders, A

2016-02-01

Community health centers provide comprehensive public health care in some of the most disadvantaged communities in the United States. To ensure that health centers meet the needs of their consumers, they uniquely engage them in their organizational decision-making and policy-development processes by requiring that their boards of directors encompass a 51 percent consumer majority. To understand the quality of board members' experiences, a critical ethnography was conducted using Arnstein's ladder of citizen participation and the socioecological model as a framework. The analysis identified multiple influences on the quality of participation among consumer members. Findings also confirm other research that has found that knowledge of the economic, political, and cultural factors surrounding the context of the individual health center is important to understanding meaningful participation. The experience is important to understand given the shift driven by the Patient Protection and Affordable Care Act of 2010 in health care, which emphasizes a patient-entered model of care. Social work practitioners and others in the public health arena interested in empowering consumers to have a role in the provision of services need to understand the impact of each of these areas'and the experience of this unique sample of health center board members.

Regulatory Agencies and Food Safety

PubMed Central

Chapman, R. A.; Morrison, A. B.

1966-01-01

Prior to Confederation, food control legislation in Canada consisted of only a few simple laws governing the quality, grading, packing and inspection of certain staple foods. The Inland Revenue Act of 1875 provided the first real control in Canada over adulteration of liquor, foods and drugs. Since then, food legislation has evolved in scope and complexity as the industries involved have developed, as consumers have become better informed, and as scientific advances have provided a sound basis for regulations. Present regulations under the Food and Drugs Act are intended to give consumers broad protection against health hazards and fraud in the production, manufacture, labelling, packaging, advertising, and sale of foods. This principle is well illustrated by present requirements for the control of pesticide residues, chemical additives, and the addition of vitamins to foods. In today's era of rapid technological change, application of current scientific knowledge to the food industry obviously involves the possibility of hazards to health. Regulatory agencies with responsibility for food safety must, therefore, fully utilize scientific knowledge in order to reduce the risks involved to a minimum. PMID:5905951

Marketplace Plans Provide Risk Protection, But Actuarial Values Overstate Realized Coverage For Most Enrollees.

PubMed

Polyakova, Maria; Hua, Lynn Mei; Bundorf, M Kate

2017-12-01

The Affordable Care Act (ACA) has increased the number of Americans with health insurance. Yet many policy makers and consumers have questioned the value of Marketplace plan coverage because of the generally high levels of cost sharing. We simulated out-of-pocket spending for bronze, silver, or gold Marketplace plans (those having actuarial values of 60 percent, 70 percent, and 80 percent, respectively). We found that for the vast majority of consumers, the proportion of covered spending paid by the plans is likely to be far less than their actuarial values, the metric commonly used to convey plan generosity. Indeed, only when annual health care spending exceeds $16,500 for bronze plans, $19,500 for silver plans, and $21,500 for gold plans do plans in these metal tiers cover the proportion of costs matching their actuarial values. While Marketplace plans substantially reduce consumers' exposure to financial risk relative to being uninsured, the use of actuarial values to communicate plan generosity is likely to be misleading to consumers.

7 CFR 1230.1 - Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... the Department of Agriculture (Continued) AGRICULTURAL MARKETING SERVICE (MARKETING AGREEMENTS AND ORDERS; MISCELLANEOUS COMMODITIES), DEPARTMENT OF AGRICULTURE PORK PROMOTION, RESEARCH, AND CONSUMER INFORMATION Pork Promotion, Research, and Consumer Information Order Definitions § 1230.1 Act. Act means the...

76 FR 75825 - Streamlining Inherited Regulations

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-05

... submitting comments. Mail: Research, Markets & Regulations Division, Bureau of Consumer Financial Protection... Lieu of Mail: Research, Markets & Regulations Division, Bureau of Consumer Financial Protection, 1700 G..., Counsel, Research, Markets & Regulations Division, Bureau of Consumer Financial Protection, (202) 453-7700...

29 CFR 1983.102 - Obligations and prohibited acts.

Code of Federal Regulations, 2012 CFR

2012-07-01

..., DEPARTMENT OF LABOR (CONTINUED) PROCEDURES FOR THE HANDLING OF RETALIATION COMPLAINTS UNDER SECTION 219 OF THE CONSUMER PRODUCT SAFETY IMPROVEMENT ACT OF 2008. Complaints, Investigations, Findings and... Consumer Product Safety Act, as amended by CPSIA, or any other Act enforced by the Commission, or any order...

29 CFR 1983.102 - Obligations and prohibited acts.

Code of Federal Regulations, 2011 CFR

2011-07-01

..., DEPARTMENT OF LABOR (CONTINUED) PROCEDURES FOR THE HANDLING OF RETALIATION COMPLAINTS UNDER SECTION 219 OF THE CONSUMER PRODUCT SAFETY IMPROVEMENT ACT OF 2008. Complaints, Investigations, Findings and... Consumer Product Safety Act, as amended by CPSIA, or any other Act enforced by the Commission, or any order...

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…

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...

Guidelines on product liability for the hospital blood bank. The British Committee for Standards in Haematology.

PubMed

1990-01-01

This report aims to clarify the position of the hospital blood bank in the light of product liability legislation contained in the Consumer Protection Act of 1987. Blood has been defined a 'product' under this Act. The potential for the blood bank to be seen in the role of 'supplier', 'keeper' or even 'producer' in the chain of product supply to the patient is explained and advice given on the resulting implications for blood bank practice. It will be necessary to define, adopt and implement standard operating procedures (SOP) for all blood bank activities. Guidance is given on the format, preparation and content of SOPs and specimen examples offered. The fundamental importance of quality assurance is emphasized.

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...

A Qualitative Study of Vulnerable Patient Views of Type 2 Diabetes Consumer Reports.

PubMed

Longo, Daniel R; Crabtree, Benjamin F; Pellerano, Maria B; Howard, Jenna; Saver, Barry; Hannan, Edward L; Lee, Justin; Lundberg, Michael T; Sabo, Roy

2016-06-01

The Patient Protection and Affordable Care Act (ACA) mandates the release of publicly available consumer reports to highlight differences in quality of care and reduce healthcare disparities. However, little is known about patient perceptions of the value of such reports. This study aims to identify whether vulnerable populations with type 2 diabetes perceive consumer reports as helpful in making decisions about diabetes care. We conducted a brief demographic survey and qualitative study of 18 focus groups: six each of African American, Hispanic, and non-Hispanic White consumers diagnosed with type 2 diabetes (n = 92). We analysed focus group transcripts to identify recurring themes, which were summarized and compared across population groups. Participants expressed minimal interest in currently available consumer reports. They instead listed personal referrals and interpersonal interactions among the most important factors when choosing a physician. Further, in place of information to aid in physician selection, participants articulated strong desires for more basic, straightforward disease-specific information that would promote diabetes self-management. This study's results call into question the value of consumer reports as defined by the ACA. Participants reported little interest in comparative provider performance data. Instead, they were more interested in information to assist in diabetes self-management. This suggests that consumer reports may not be as important a tool to improve outcomes and reduce health disparities as policy makers imagine them to be.

16 CFR 1213.7 - Findings.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS SAFETY STANDARD FOR ENTRAPMENT HAZARDS IN BUNK BEDS § 1213.7 Findings. The Consumer Product Safety Act requires that the... there will be substantial compliance with such voluntary standard. (d) The benefits expected from the...

16 CFR 1401.1 - Scope.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS SELF PRESSURIZED... Product Safety Act (15 U.S.C. 2076(e)) for marketers and importers of self-pressurized consumer products... product stating that it contains a chlorofluorocarbon that may harm the public health and environment by...

16 CFR 1401.1 - Scope.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS SELF PRESSURIZED... Product Safety Act (15 U.S.C. 2076(e)) for marketers and importers of self-pressurized consumer products... product stating that it contains a chlorofluorocarbon that may harm the public health and environment by...

16 CFR 1401.1 - Scope.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS SELF PRESSURIZED... Product Safety Act (15 U.S.C. 2076(e)) for marketers and importers of self-pressurized consumer products... product stating that it contains a chlorofluorocarbon that may harm the public health and environment by...

16 CFR 1204.2 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS SAFETY... addition to the definitions given in section 3 of the Consumer Product Safety Act (15 U.S.C. 2052), the..., ground plane elements, matching networks, element-connecting hardware, mounting hardware, feed cable, and...

16 CFR 1101.61 - Generally.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS INFORMATION DISCLOSURE UNDER SECTION 6(b) OF THE CONSUMER PRODUCT SAFETY ACT Information Submitted Pursuant to Section 15... initial report to assist the Commission in its evaluation of the section 15 report. However, the...

16 CFR 1115.3 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS SUBSTANTIAL PRODUCT HAZARD REPORTS General Interpretation § 1115.3 Definitions. In addition to the definitions given... Sunshine Act, 16 CFR part 1012. (c) Noncompliance means the failure of a consumer product to comply with an...

16 CFR 1118.20 - Procedures for consent order agreements.

Code of Federal Regulations, 2010 CFR

2010-01-01

.... 1118.20 Section 1118.20 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS INVESTIGATIONS, INSPECTIONS AND INQUIRIES UNDER THE CONSUMER PRODUCT SAFETY ACT... Commission's regulations relating to substantial product hazards (16 CFR part 1115). For all other consent...

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,…

76 FR 1603 - Agency Information Collection Activities: Proposed Collection, Comment Request: Reporting of Pre...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-11

...The Commodity Futures Trading Commission (``Commission'' or ``CFTC'') is announcing an opportunity for public comment on the proposed collection of certain information by the agency. Under the Paperwork Reduction Act (``PRA''), 44 U.S.C. 3501 et seq., Federal agencies are required to publish notice in the Federal Register concerning each proposed collection of information and to allow 60 days for public comment. The Commission recently adopted an interim final rule, as required by the Wall Street Reform and Consumer Protection Act (``Dodd-Frank Act''), requiring counterparties to a pre-enactment unexpired swap to report such swaps according to such rules as the Commission may in the future adopt. This notice solicits comments on the record retention requirement that is embedded in the interim final rule's reporting requirement, which was recognized by the Commission in an interpretive note to the final rule.

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...

Introducing Food Fraud including translation and interpretation to Russian, Korean, and Chinese languages.

PubMed

Spink, John; Moyer, Douglas C; Park, Hyeonho; Wu, Yongning; Fersht, Victor; Shao, Bing; Hong, Miao; Paek, Seung Yeop; Edelev, Dmitry

2015-12-15

This paper introduces the topic of Food Fraud with translations to Russian, Korean, and Chinese. The concepts provide a system-wide focus leading to prevention. The goal is not to detect Food Fraud but to adjust entire food supply chains to reduce fraud opportunities. Food Fraud is a recently defined area of Food Protection between Food Safety (such as Salmonella or pesticide residue), and Food Defense (malicious intent to harm such as terrorism). Food Fraud is intentional with no intent to harm but only for economic gain. As with improving Food Safety and Food Defense, preventing Food Fraud is good for society and the economy. Society benefits through fewer public health threats from unauthorized acts. Society also benefits from increased consumer satisfaction and harmony. Food Security is increased through the production of more, higher-value products for consumers, commerce, and exporting. Food Fraud can reduce economic output because sickened citizens cannot work and it also reduces consumer confidence leading to less commerce. Copyright © 2014 Elsevier Ltd. All rights reserved.

77 FR 10358 - Acceptance of ASTM F963-11 as a Mandatory Consumer Product Safety Standard

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-22

... Safety. Pursuant to section 106 of the Consumer Product Safety Improvement Act of 2008, ASTM F963-11 will... INFORMATION: On February 10, 2009, section 106(a) of the Consumer Product Safety Improvement Act of 2008... CONSUMER PRODUCT SAFETY COMMISSION 16 CFR Chapter II Acceptance of ASTM F963-11 as a Mandatory...

16 CFR § 1401.1 - Scope.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS SELF... Product Safety Act (15 U.S.C. 2076(e)) for marketers and importers of self-pressurized consumer products... product stating that it contains a chlorofluorocarbon that may harm the public health and environment by...

16 CFR 1101.61 - Generally.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS INFORMATION DISCLOSURE UNDER SECTION 6(b) OF THE CONSUMER PRODUCT SAFETY ACT Information Submitted Pursuant to Section 15...) if: (1) The Commission has issued a complaint under section 15 (c) or (d) of the CPSA alleging that...

16 CFR 1101.61 - Generally.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS INFORMATION DISCLOSURE UNDER SECTION 6(b) OF THE CONSUMER PRODUCT SAFETY ACT Information Submitted Pursuant to Section 15...) if: (1) The Commission has issued a complaint under section 15 (c) or (d) of the CPSA alleging that...

16 CFR 1101.61 - Generally.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS INFORMATION DISCLOSURE UNDER SECTION 6(b) OF THE CONSUMER PRODUCT SAFETY ACT Information Submitted Pursuant to Section 15...) if: (1) The Commission has issued a complaint under section 15 (c) or (d) of the CPSA alleging that...

16 CFR 1101.24 - Scope of comments Commission seeks.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Section 1101.24 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS INFORMATION DISCLOSURE UNDER SECTION 6(b) OF THE CONSUMER PRODUCT SAFETY ACT Procedure for... its evaluation of the accuracy of the information. A firm's submission, therefore, must be specific...

16 CFR 1209.33 - Reasonable testing program.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 1209.33 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS INTERIM SAFETY STANDARD FOR CELLULOSE INSULATION Certification § 1209.33 Reasonable testing program. (a) General. Section 14(a) of the Consumer Product Safety Act (15 U.S.C. 2063(a)) requires each manufacturer...

16 CFR 1702.1 - Purpose and policy.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION POISON PREVENTION PACKAGING ACT OF 1970 REGULATIONS PETITIONS FOR EXEMPTIONS FROM POISON PREVENTION PACKAGING ACT REQUIREMENTS; PETITION PROCEDURES AND... Consumer Product Safety Commission requires, under section 3(a)(1) of the Poison Prevention Packaging Act...

16 CFR 1702.1 - Purpose and policy.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION POISON PREVENTION PACKAGING ACT OF 1970 REGULATIONS PETITIONS FOR EXEMPTIONS FROM POISON PREVENTION PACKAGING ACT REQUIREMENTS; PETITION PROCEDURES AND... Consumer Product Safety Commission requires, under section 3(a)(1) of the Poison Prevention Packaging Act...

16 CFR 1702.1 - Purpose and policy.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION POISON PREVENTION PACKAGING ACT OF 1970 REGULATIONS PETITIONS FOR EXEMPTIONS FROM POISON PREVENTION PACKAGING ACT REQUIREMENTS; PETITION PROCEDURES AND... Consumer Product Safety Commission requires, under section 3(a)(1) of the Poison Prevention Packaging Act...

16 CFR 1702.1 - Purpose and policy.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION POISON PREVENTION PACKAGING ACT OF 1970 REGULATIONS PETITIONS FOR EXEMPTIONS FROM POISON PREVENTION PACKAGING ACT REQUIREMENTS; PETITION PROCEDURES AND... Consumer Product Safety Commission requires, under section 3(a)(1) of the Poison Prevention Packaging Act...

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)

16 CFR 1302.3 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS BAN OF EXTREMELY FLAMMABLE CONTACT ADHESIVES § 1302.3 Definitions. (a) The definitions in section 3 of the Consumer Product Safety Act (15 U.S.C. 2052) apply to this part 1302. (b) The term extremely flammable contact...

16 CFR 1302.3 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS BAN OF EXTREMELY FLAMMABLE CONTACT ADHESIVES § 1302.3 Definitions. (a) The definitions in section 3 of the Consumer Product Safety Act (15 U.S.C. 2052) apply to this part 1302. (b) The term extremely flammable contact...

16 CFR § 1101.61 - Generally.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS INFORMATION DISCLOSURE UNDER SECTION 6(b) OF THE CONSUMER PRODUCT SAFETY ACT Information Submitted Pursuant to Section 15...) if: (1) The Commission has issued a complaint under section 15 (c) or (d) of the CPSA alleging that...

16 CFR 1203.30 - Purpose, basis, and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 1203.30 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS SAFETY STANDARD FOR BICYCLE HELMETS Certification § 1203.30 Purpose, basis, and scope. (a) Purpose. The... of compliance in the form specified. (b) Basis. Section 14(a)(1) of the Consumer Product Safety Act...

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...

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...

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...

A low-glycemic index meal and bedtime snack prevents postprandial hyperglycemia and associated rises in inflammatory markers, providing protection from early but not late nocturnal hypoglycemia following evening exercise in type 1 diabetes.

PubMed

Campbell, Matthew D; Walker, Mark; Trenell, Michael I; Stevenson, Emma J; Turner, Daniel; Bracken, Richard M; Shaw, James A; West, Daniel J

2014-07-01

To examine the influence of the glycemic index (GI) of foods consumed after evening exercise on postprandial glycemia, metabolic and inflammatory markers, and nocturnal glycemic control in type 1 diabetes. On two evenings (∼1700 h), 10 male patients (27 ± 5 years of age, HbA1c 6.7 ± 0.7% [49.9 ± 8.1 mmol/mol]) were administered a 25% rapid-acting insulin dose with a carbohydrate bolus 60 min before 45 min of treadmill running. At 60 min postexercise, patients were administered a 50% rapid-acting insulin dose with one of two isoenergetic meals (1.0 g carbohdyrate/kg body mass [BM]) matched for macronutrient content but of either low GI (LGI) or high GI (HGI). At 180 min postmeal, the LGI group ingested an LGI snack and the HGI group an HGI snack (0.4 g carbohdyrate/kg BM) before returning home (∼2300 h). Interval samples were analyzed for blood glucose and lactate; plasma glucagon, epinephrine, interleukin-6 (IL-6), and tumor necrosis factor-α (TNF-α); and serum insulin, cortisol, nonesterified fatty acid, and β-hydroxybutyrate concentrations. Interstitial glucose was recorded for 20 h postlaboratory attendance through continuous glucose monitoring. Following the postexercise meal, an HGI snack induced hyperglycemia in all patients (mean ± SD glucose 13.5 ± 3.3 mmol/L) and marked increases in TNF-α and IL-6, whereas relative euglycemia was maintained with an LGI snack (7.7 ± 2.5 mmol/L, P < 0.001) without inflammatory cytokine elevation. Both meal types protected all patients from early hypoglycemia. Overnight glycemia was comparable, with a similar incidence of nocturnal hypoglycemia (n = 5 for both HGI and LGI). Consuming LGI food with a reduced rapid-acting insulin dose following evening exercise prevents postprandial hyperglycemia and inflammation and provides hypoglycemia protection for ∼8 h postexercise; however, the risk of late nocturnal hypoglycemia remains. © 2014 by the American Diabetes Association.

16 CFR § 1302.3 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS BAN OF EXTREMELY FLAMMABLE CONTACT ADHESIVES § 1302.3 Definitions. (a) The definitions in section 3 of the Consumer Product Safety Act (15 U.S.C. 2052) apply to this part 1302. (b) The term extremely flammable contact...

16 CFR 1304.3 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS BAN OF... definitions in section 3 of the Consumer Product Safety Act (15 U.S.C. 2052) apply to this part 1304. (b... that which is not bound, or otherwise “locked-in” to a product by resins or other bonding agents, or...

16 CFR 1116.4 - Where to report.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 16 Commercial Practices 2 2010-01-01 2010-01-01 false Where to report. 1116.4 Section 1116.4 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS REPORTS SUBMITTED PURSUANT TO SECTION 37 OF THE CONSUMER PRODUCT SAFETY ACT § 1116.4 Where to report. Reports must...

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...

7 CFR 57.100 - Specific exemptions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... AGRICULTURAL MARKETING ACT OF 1946 AND THE EGG PRODUCTS INSPECTION ACT (CONTINUED) INSPECTION OF EGGS (EGG PRODUCTS INSPECTION ACT) Regulations Governing the Inspection of Eggs Exemptions § 57.100 Specific... production directly to a household consumer exclusively for use by such consumer and members of his household...

7 CFR 57.100 - Specific exemptions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... AGRICULTURAL MARKETING ACT OF 1946 AND THE EGG PRODUCTS INSPECTION ACT (CONTINUED) INSPECTION OF EGGS (EGG PRODUCTS INSPECTION ACT) Regulations Governing the Inspection of Eggs Exemptions § 57.100 Specific... production directly to a household consumer exclusively for use by such consumer and members of his household...

7 CFR 57.100 - Specific exemptions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... AGRICULTURAL MARKETING ACT OF 1946 AND THE EGG PRODUCTS INSPECTION ACT (CONTINUED) INSPECTION OF EGGS (EGG PRODUCTS INSPECTION ACT) Regulations Governing the Inspection of Eggs Exemptions § 57.100 Specific... production directly to a household consumer exclusively for use by such consumer and members of his household...

7 CFR 57.100 - Specific exemptions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... AGRICULTURAL MARKETING ACT OF 1946 AND THE EGG PRODUCTS INSPECTION ACT (CONTINUED) INSPECTION OF EGGS (EGG PRODUCTS INSPECTION ACT) Regulations Governing the Inspection of Eggs Exemptions § 57.100 Specific... production directly to a household consumer exclusively for use by such consumer and members of his household...

16 CFR 1117.9 - Prohibited acts and sanctions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 16 Commercial Practices 2 2010-01-01 2010-01-01 false Prohibited acts and sanctions. 1117.9 Section 1117.9 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS REPORTING OF CHOKING INCIDENTS INVOLVING MARBLES, SMALL BALLS, LATEX BALLOONS AND OTHER SMALL...

29 CFR 1983.102 - Obligations and prohibited acts.

Code of Federal Regulations, 2013 CFR

2013-07-01

..., DEPARTMENT OF LABOR (CONTINUED) PROCEDURES FOR THE HANDLING OF RETALIATION COMPLAINTS UNDER SECTION 219 OF THE CONSUMER PRODUCT SAFETY IMPROVEMENT ACT OF 2008 Complaints, Investigations, Findings and... reasonably believes to be a violation of any provision of the Consumer Product Safety Act, as amended by...

78 FR 25638 - Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedure Act (Regulation...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-02

...This rule proposes amendments to some of the final mortgage rules issued by the Bureau of Consumer Financial Protection (Bureau) in January of 2013. These amendments clarify or correct provisions on the relation to State law of Regulation X's servicing provisions; the small servicer exemption from certain servicing rules; the use of government- sponsored enterprise and Federal agency purchase, guarantee or insurance eligibility for determining qualified mortgage status; and the determination of debt and income for purposes of originating qualified mortgages.

The Short-Lived Epidemic of Botulism From Commercially Canned Foods in the United States, 1919 to 1925.

PubMed

Kazanjian, Powel

2018-04-17

In 1919, three deadly outbreaks of botulism caused by consumption of canned olives packed in California captured national headlines. In all of the outbreaks, which occurred in separate locales, unsuspecting people died after consuming tainted food during a banquet or family meal. The press's sensational portrayal of canned food as hazardous aroused alarm among consumers at a time when commercial canning was becoming more common. Intent on restoring the image of their product as safe and wholesome, canning industry leaders funded a "botulism commission" of scientific experts in 1919 to investigate how to systematically eliminate the threat of botulism that had imperiled their business. The commissioners identified the scientific reasons for the outbreaks, and on the basis of their findings, the California Department of Public Health issued explicit recommendations for sterilization procedures intended to ensure safety. However, the department did not mandate inspections for all canneries. When commercially packed fruits and vegetables continued to cause botulism, industry leaders voluntarily backed a cannery inspection act to legally require all California canners to possess appropriate equipment and follow scientifically validated sterilization procedures. After the California legislature approved the act in 1925, canneries were inspected, regulations were enforced, and no further outbreaks occurred. This botulism epidemic is an example of a disease outbreak that was controlled when business interests became aligned with public health goals. The press's portrayal of afflicted persons as innocent victims and worthy citizens galvanized businessmen to implement safeguards to protect consumers from botulism intoxication. To preserve their customer base and salvage their corporations, leaders of the canning industry acknowledged the public health threat of their unregulated procedures and acted on the recommendations of scientists.

The effects assessment of firm environmental strategy and customer environmental conscious on green product development.

PubMed

Tsai, Ming-Tien; Chuang, Li-Min; Chao, Shu-Tsung; Chang, Hsiao-Ping

2012-07-01

The purpose of this study is to examine why both parties (industry and consumer market) have mutual interests in protecting the environment but they still are hesitant to act green. The study used two-stage sampling from consumer market to depict ideal green product characteristics and reliable toy companies, and visit these companies for the second sample collection to examine whether the organizational eco-innovation strategy with customer value has a positive effect on green product development. In other words, the customer's benefit is an important factor for new product development strategy for green toys. This research shows that the willingness to buy green toys increases if most people in society buy green toys. This represents that customers are environmentally conscious and care about protecting the environment, or buying green toys is the result of a new economic trend and childhood education. The willingness to buy green toys increases if customers think that green products implies an enhancement on new product development to toy manufacturers. Further, if manufacturers are able to manage the difficulty of cooperation with all parties in the supply chain and difficulties related to production, they are willing to adopt customers' perceived value on green toys for their new product development strategy. It is rare to find academic research discussing the perspectives of both consumers and manufacturers in the same study because the research topic is very broad and many conditions must be considered. This research aims to find the effect of consumer-perceived value and company eco-innovation on green product development.

Stakeholders' perceptions of ways to support decisions about health insurance marketplace enrollment: a qualitative study.

PubMed

Housten, A J; Furtado, K; Kaphingst, K A; Kebodeaux, C; McBride, T; Cusanno, B; Politi, M C

2016-11-08

Approximately 29 million individuals are expected to enroll in health insurance using the Patient Protection and Affordable Care Act (ACA) Marketplace by 2022. Those seeking health insurance struggle to understand insurance options and choose a plan that best suits their needs. We interviewed stakeholders to identify the challenges associated with the ACA Marketplace health insurance enrollment and elicited feedback about what to include in health insurance decision support tools. Interviews were transcribed and themes were identified using inductive thematic analysis. Stakeholders stated that consumers felt frustrated by unclear terminology, high plan costs, and complex calculations required to assess costs. Consumers felt anxious about making the wrong choice and being unable to change plans within a calendar year. Stakeholders recommended using plain language tables defining complex terms, grouping information, and using engaging graphics to communicate information about health insurance. Stakeholders thought that narratives of how others made decisions about insurance might be helpful to consumers, but recommended that they be tailored to the needs of specific consumers. Strategies that clarify health insurance terms using plain language and graphics, acknowledge concern associated with making the wrong choice, calculate and enable cost comparison, and tailor information to consumers' unique needs could benefit those enrolling in ACA Marketplace plans, Narratives developed should be simple and inclusive enough for diverse populations.

Medical negligence: Coverage of the profession, duties, ethics, case law, and enlightened defense - A legal perspective.

PubMed

Pandit, M S; Pandit, Shobha

2009-07-01

A patient approaching a doctor expects medical treatment with all the knowledge and skill that the doctor possesses to bring relief to his medical problem. The relationship takes the shape of a contract retaining the essential elements of tort. A doctor owes certain duties to his patient and a breach of any of these duties gives a cause of action for negligence against the doctor. The doctor has a duty to obtain prior informed consent from the patient before carrying out diagnostic tests and therapeutic management. The services of the doctors are covered under the provisions of the Consumer Protection Act, 1986 and a patient can seek redressal of grievances from the Consumer Courts. Case laws are an important source of law in adjudicating various issues of negligence arising out of medical treatment.

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…

STOPPING DECEPTIVE HEALTH CLAIMS: THE NEED FOR A PRIVATE RIGHT OF ACTION UNDER FEDERAL LAW.

PubMed

Hoffmann, Diane; Schwartz, Jack

2016-01-01

This Article offers a thorough analysis of an important public health issue, namely how to confront the growing problem of deceptive claims regarding foods and dietary supplements, including increasingly prevalent but unverifiable claims. The authors call for the creation of a limited private right of action under the Federal Trade Commission (FTC) Act for deceptive health-related claims for these products. The proposal responds to the growing market for these products and the inadequacy of current laws and enforcement actions to prevent such claims. In crafting the limited private right of action, the authors attempt to enhance consumer protection without undermining federal agency primacy in enforcement. The Article ends with an appendix setting forth proposed language for a statutory amendment to the FTC Act incorporating the authors' proposal.

76 FR 6765 - Consumer Product Safety Act: Notice of Commission Action on the Stay of Enforcement of Testing...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-02-08

... Stay of Enforcement of Testing and Certification Requirements AGENCY: Consumer Product Safety... enforcement of certain testing and certification provisions of section 14 of the Consumer Product Safety Act..., standard, or regulation. For nonchildren's products, the certification must be based on a test of each...

12 CFR 717.32 - Sharing medical information with affiliates.

Code of Federal Regulations, 2010 CFR

2010-01-01

... term “consumer report” in section 603(d)(2) of the Act that allow the sharing of information with... term “consumer report” in section 603(d)(2) of the Act to communicate the information in paragraph (b...) An individualized list or description based on the payment transactions of the consumer for medical...

75 FR 81788 - Revocation of Requirements for Full-Size Baby Cribs and Non-Full-Size Baby Cribs

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-28

... rule. SUMMARY: Section 104(b) of the Consumer Product Safety Improvement Act of 2008 (``CPSIA... the CPSC revoking the regulations pertaining to cribs? The Consumer Product Safety Improvement Act of... CONSUMER PRODUCT SAFETY COMMISSION 16 CFR Parts 1508 and 1509 Revocation of Requirements for Full...

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)

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)

Patient Protection and Affordable Care Act; Exchange functions: standards for Navigators and non-Navigator assistance personnel; consumer assistance tools and programs of an Exchange and certified application counselors. Final rule.

PubMed

2013-07-17

This final rule addresses various requirements applicable to Navigators and non-Navigator assistance personnel in Federally-facilitated Exchanges, including State Partnership Exchanges, and to non-Navigator assistance personnel in State Exchanges that are funded through federal Exchange Establishment grants. It finalizes the requirement that Exchanges must have a certified application counselor program. It creates conflict-of-interest, training and certification, and meaningful access standards; clarifies that any licensing, certification, or other standards prescribed by a state or Exchange must not prevent application of the provisions of title I of the Affordable Care Act; adds entities with relationships to issuers of stop loss insurance to the list of entities that are ineligible to become Navigators; and clarifies that the same ineligibility criteria that apply to Navigators apply to certain non-Navigator assistance personnel. The final rule also directs that each Exchange designate organizations which will then certify their staff members and volunteers to be application counselors that assist consumers and facilitate enrollment in qualified health plans and insurance affordability programs, and provides standards for that designation.

Building public trust in uses of Health Insurance Portability and Accountability Act de-identified data.

PubMed

McGraw, Deven

2013-01-01

The aim of this paper is to summarize concerns with the de-identification standard and methodologies established under the Health Insurance Portability and Accountability Act (HIPAA) regulations, and report some potential policies to address those concerns that were discussed at a recent workshop attended by industry, consumer, academic and research stakeholders. The target audience includes researchers, industry stakeholders, policy makers and consumer advocates concerned about preserving the ability to use HIPAA de-identified data for a range of important secondary uses. HIPAA sets forth methodologies for de-identifying health data; once such data are de-identified, they are no longer subject to HIPAA regulations and can be used for any purpose. Concerns have been raised about the sufficiency of HIPAA de-identification methodologies, the lack of legal accountability for unauthorized re-identification of de-identified data, and insufficient public transparency about de-identified data uses. Although there is little published evidence of the re-identification of properly de-identified datasets, such concerns appear to be increasing. This article discusses policy proposals intended to address de-identification concerns while maintaining de-identification as an effective tool for protecting privacy and preserving the ability to leverage health data for secondary purposes.

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

12 CFR 227.22 - Unfair acts or practices regarding time to make payment.

Code of Federal Regulations, 2010 CFR

2010-01-01

... THE FEDERAL RESERVE SYSTEM UNFAIR OR DECEPTIVE ACTS OR PRACTICES (REGULATION AA) Consumer Credit Card.... Except as provided in paragraph (c) of this section, a bank must not treat a payment on a consumer credit card account as late for any purpose unless the consumer has been provided a reasonable amount of time...

12 CFR 227.24 - Unfair acts or practices regarding increases in annual percentage rates.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) Consumer Credit Card Account Practices Rule § 227.24 Unfair acts or practices regarding increases in annual... will apply to each category of transactions on the consumer credit card account. A bank must not increase the annual percentage rate for a category of transactions on any consumer credit card account...

16 CFR 1101.23 - Providing less than 15 days notice before disclosing information.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 16 Commercial Practices 2 2011-01-01 2011-01-01 false Providing less than 15 days notice before disclosing information. 1101.23 Section 1101.23 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS INFORMATION DISCLOSURE UNDER SECTION 6(b) OF THE CONSUMER PRODUCT SAFETY ACT Procedure for Providing Notice...

16 CFR 1101.23 - Providing less than 15 days notice before disclosing information.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 16 Commercial Practices 2 2012-01-01 2012-01-01 false Providing less than 15 days notice before disclosing information. 1101.23 Section 1101.23 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS INFORMATION DISCLOSURE UNDER SECTION 6(b) OF THE CONSUMER PRODUCT SAFETY ACT Procedure for Providing Notice...

16 CFR 1101.23 - Providing less than 15 days notice before disclosing information.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 16 Commercial Practices 2 2014-01-01 2014-01-01 false Providing less than 15 days notice before disclosing information. 1101.23 Section 1101.23 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS INFORMATION DISCLOSURE UNDER SECTION 6(b) OF THE CONSUMER PRODUCT SAFETY ACT Procedure for Providing Notice...

12 CFR 571.32 - Sharing medical information with affiliates.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) In general. The exclusions from the term “consumer report” in section 603(d)(2) of the Act that allow... “consumer report” in section 603(d)(2) of the Act to communicate the information in paragraph (b) of this... based on the payment transactions of the consumer for medical products or services; or (3) An aggregate...

75 FR 18396 - U.S. Honey Producer Research, Promotion, and Consumer Information Order; Referendum Procedures

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-12

...; FV-07-706-FR] RIN 0581-AC78 U.S. Honey Producer Research, Promotion, and Consumer Information Order... Research, Promotion, and Consumer Information Order (Proposed U.S. Producer Order) is favored by persons to... under the Commodity Promotion, Research, and Information Act of 1996 (1996 Act). DATES: Effective Date...

Awareness about medico legal aspects and Consumer Protection Act among dentists.

PubMed

Radhika, T; Nadeem, J; Arthi, R; Nithya, S

2017-07-01

The practice of medicine in India has undergone considerable change affecting delivery of health in both positive and negative directions. As a result, there was a growing feeling that medical treatment should be made accountable and this led to doctors and dentists becoming subject to the process of law. Patients have become more aware of their right to compensation and as a consequence doctors and dentists should be knowledgeable about the laws that govern them. To assess the awareness about Medico legal aspects and Consumer Protection Act [CPA] among Dental professionals. A self-structured validated questionnaire comprising of 20 questions related to medico legal aspects and CPA was designed. A total of 450 dental professionals were surveyed from 4 prime dental institutions in Chennai, India. Of the 450 professionals that were surveyed 150 were MDS faculty, 150 were BDS faculty and 150 were PG students. The data was subjected to SPSS, version 16 and statistically analysed using Chi square test and Fisher's exact test. A- p value less than 0.05 was considered to be statistically significant. BDS faculty, MDS faculty and PG students were found to possess similar level of understanding and there was no significant difference between the groups. Knowledge was found to be equal between male and female dentists. The young practitioners were found to be more informed about CPA than the senior practitioners. It was found that most of the participants were aware of relevant Medico legal aspects, but were less aware of CPA. This study emphasises the need for education relevant to Medico legal aspects and CPA for dental professionals.

16 CFR 1605.13 - Procedures for Consent Order Agreements.

Code of Federal Regulations, 2010 CFR

2010-01-01

.... 1605.13 Section 1605.13 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION FLAMMABLE FABRICS ACT... including any rights to seek judicial review or otherwise challenge or contest the validity of the....), the Flammable Fabrics Act (15 U.S.C. 1191 et seq.), and the Consumer Product Safety Act (15 U.S.C...

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...

Audit Report on "The Department's Management of the ENERGY STAR Program"

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

None

2009-10-01

The American Recovery and Reinvestment Act (Recovery Act) authorized about $300 million in consumer rebate incentives for purchases of products rated under the 'ENERGY STAR' Program. ENERGY STAR, a voluntary labeling program established in 1992, provides consumers with energy efficiency data for a range of products so that they can make informed purchase judgments. The overall goal of the program is to encourage consumers to choose energy efficient products, advancing the nationwide goal of reducing energy consumption. The U.S. Environmental Protection Agency (EPA) managed the ENERGY STAR Program on a stand-alone basis until 1996 when it joined forces with themore » Department of Energy (Department). A Memorandum of Cooperation expanded the ENERGY STAR product categories, giving the Department responsibility for overseeing eight product categories such as windows, dishwashers, clothes washers, and refrigerators, while EPA retained responsibility for electronic product categories and heating, ventilating, and cooling equipment. Each agency is responsible for setting product efficiency specifications for those items under its control and for ensuring the proper use of the ENERGY STAR label in the marketplace. In August 2007, the EPA Office of Inspector General issued an audit report identifying significant control weaknesses in EPA's management of ENERGY STAR. The Department, concerned by the findings at EPA and eager to improve its own program, developed an approach to verify adherence to product specifications, ensure proper use of the ENERGY STAR label in the marketplace, and improve the establishment of product specifications. As evidenced by the commitment of $300 million in Recovery Act funds, the ENERGY STAR Program plays an important role in the U.S. efforts to reduce energy consumption. We initiated this audit to determine whether the Department had implemented the actions it announced in 2007 to strengthen the Program. The Department had not implemented planned improvements in the ENERGY STAR Program. Our audit revealed that officials had not: (1) Developed a formal quality assurance program to help ensure that product specifications were adhered to; (2) Effectively monitored the use of the ENERGY STAR label to ensure that only qualifying products were labeled as compliant; and (3) Formalized procedures for establishing and revising product specifications and for documenting decisions regarding those specifications. In our judgment, the delay in the Department's planned improvements in its management of the ENERGY STAR Program could reduce consumer confidence in the integrity of the ENERGY STAR label. Such loss of credibility could reduce energy savings, increase consumer risk, and diminish the value of the recent infusion of $300 million for ENERGY STAR rebates under the Recovery Act.« less

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…

An overview of Medicaid managed care litigation.

PubMed

Rosenbaum, S; Teitelbaum, J; Kirby, C; Priebe, L; Klement, T

1998-11-01

Since the enactment of Medicaid in 1965, states have had the option of offering beneficiaries enrollment in managed care arrangements. With the advent of mandatory managed care reaching millions of beneficiaries (including a growing proportion of disabled recipients), the amount and scope of litigation involving Medicaid managed care plans can be expected to grow. A review of the current litigation regarding Medicaid managed care reveals two basic types of lawsuits: (1) those that challenge the practices of managed care companies under various federal and state laws that safeguard consumer rights, protect health care quality, and prohibit discrimination; and (2) suits that assert claims arising directly under the Medicaid statute and implementing regulations, as well as claims related to Constitutional safeguards that undergird the program. Lawsuits asserting claims arising under Medicaid tend to raise two basic questions: (1) the extent to which enrollment in a Medicaid managed care plan alters existing Medicaid beneficiary rights and state agency duties under federal or state Medicaid law; and (2) the extent to which managed care companies, as agents of the state, act under "color of law" (i.e., undertaking to perform official duties or acting with the imprimatur of state authority). Additionally, states might see an increase in litigation brought by prospective and current contractors who assert that they have been wrongfully denied contracts or improperly penalized for poor performance. These assertions may involve claims that are grounded in federal and state law, the Medicaid statute, and the Constitution. Moreover, in light of the consumer protection elements of the managed care reforms contained in the Balanced Budget Act, future managed care litigation may focus on the manner in which companies carry out states' obligations toward managed care enrollees. Resolution of Medicaid managed care cases involves the application of general principles of administrative and regulatory law. Thus, Medicaid managed care cases have implications for other public purchasers of managed care arrangements, including state mental health and alcohol and substance abuse agencies.