Student Consumerism in Higher Education.

ERIC Educational Resources Information Center

Gordon, Suzanne E.

1979-01-01

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

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...

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...

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.

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.

75 FR 57039 - Medicare Program; Workshop Regarding Accountable Care Organizations, and Implications Regarding...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-09-17

... panel discussions and a listening session on certain legal issues related to Accountable Care Organizations (ACOs). Physicians, physician associations, hospitals, health systems, consumers, and all others...-mail to [email protected] or sent via regular mail to: Attn: ACO Legal Issues, Mail Stop C5-15...

76 FR 52731 - On-Line Complaint Form for Service-Related Issues in Air Transportation

Federal Register 2010, 2011, 2012, 2013, 2014

2011-08-23

... for Service-Related Issues in Air Transportation AGENCY: Office of the Secretary, Department of... consumer protection and civil rights laws and regulations related to air transportation. The Enforcement... travelers, and to ensure safe and adequate service in air transportation. Filing a complaint using a web...

Accreditation Issues Related to Adult Degree Programs

ERIC Educational Resources Information Center

Simpson, Edward G., Jr.

2004-01-01

Understanding the fundamental tenets and structure of the accreditation process can assist institutions in the design of high-quality degree programs while affording adult students a reasonable level of consumer protection.

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

ERIC Educational Resources Information Center

Willett, Sandra L.

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

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.

Models of Staff Appraisal: Some Political Implications.

ERIC Educational Resources Information Center

Pollitt, Christopher

1988-01-01

A discussion of university faculty evaluation, a relatively new phenomenon in the United Kingdom, examines three models of assessment geared to personnel management, professional development, and consumer protection, and practical issues in their application. (MSE)

Customer privacy on UK healthcare websites.

PubMed

Mundy, Darren P

2006-09-01

Privacy has been and continues to be one of the key challenges of an age devoted to the accumulation, processing, and mining of electronic information. In particular, privacy of healthcare-related information is seen as a key issue as health organizations move towards the electronic provision of services. The aim of the research detailed in this paper has been to analyse privacy policies on popular UK healthcare-related websites to determine the extent to which consumer privacy is protected. The author has combined approaches (such as approaches focused on usability, policy content, and policy quality) used in studies by other researchers on e-commerce and US healthcare websites to provide a comprehensive analysis of UK healthcare privacy policies. The author identifies a wide range of issues related to the protection of consumer privacy through his research analysis using quantitative results. The main outcomes from the author's research are that only 61% of healthcare-related websites in their sample group posted privacy policies. In addition, most of the posted privacy policies had poor readability standards and included a variety of privacy vulnerability statements. Overall, the author's findings represent significant current issues in relation to healthcare information protection on the Internet. The hope is that raising awareness of these results will drive forward changes in the industry, similar to those experienced with information quality.

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

PubMed

McCabe, Margaret Sova

2010-01-01

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

Legislative Proposals To Protect Children from Inappropriate Materials on the Internet. Hearing on H.R. 3783, H.R. 774, H.R. 1180, H.R. 1964, H.R. 3177, and H.R. 3442 before the Subcommittee on Telecommunications, Trade, and Consumer Protection of the Committee on Commerce, House of Representatives, One Hundred Fifth Congress, Second Session.

ERIC Educational Resources Information Center

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

This hearing addresses legislative proposals to protect children from inappropriate materials on the Internet. Among the issues discussed are federal investments and information access, defining standards for protection, child pornography and marketing to children, filtering technology and adult verification services, and freedom of speech.…

The politics and science behind GMO acceptance.

PubMed

Varzakas, Theodoros H; Arvanitoyannis, Ioannis S; Baltas, Haralambos

2007-01-01

The question of nutritional quality has arisen in the International Community over the last few years along with other important issues such as population aging, multipopulation societies, and political conflicts. The nutritional issue is questioned both quantitatively and qualitatively. It is well known that the planet faces enormous problems with food that is available. Nowadays 20% of the population consumes approximately 80% of the produced energy and natural resources. During the last 15 years, a series of food scares and crises (BSE, dioxin, foot and mouth disease, bird flu) have seriously undermined public confidence in food producers and operators and their capacity to produce safe food. As a result, food safety has become a top priority of the European legislative authorities. Genetically Modified Organisms (GMOs) is the new food safety concern which despite the intense reactions from Non Governmental Organizations and consumer organizations have entered our lives with inadequate legislative measures to protect consumers from their consumption. The GMO issue will be the issue for discussion in the long run not only for the European Community but also for the international community as far as scientific, economical, political, ideological, ethical, and human issues are concerned. These issues are discussed in this paper along with a case of study of GM fish.

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

NASA Astrophysics Data System (ADS)

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

2016-07-01

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

Are Fish Consumption Advisories for the Great Lakes Adequately Protective against Chemical Mixtures?

PubMed

Gandhi, Nilima; Drouillard, Ken G; Arhonditsis, George B; Gewurtz, Sarah B; Bhavsar, Satyendra P

2017-04-01

The North American Great Lakes are home to > 140 types of fish and are famous for recreational and commercial fishing. However, the presence of toxic substances has resulted in the issuance of fish consumption advisories that are typically based on the most restrictive contaminant. We investigated whether these advisories, which typically neglect the existence of a mixture of chemicals and their possible additive adverse effects, are adequately protective of the health of humans consuming fish from the Canadian waters of the Great Lakes. Using recent fish contaminant monitoring data collected by the government of Ontario, Canada, we simulated advisories using most-restrictive-contaminant (one-chem) and multi-contaminant additive effect (multi-chem) approaches. The advisories from the two simulations were compared to determine if there is any deficiency in the currently issued advisories. Approximately half of the advisories currently issued are potentially not adequately protective. Of the four Great Lakes studied, the highest percentage of advisories affected are in Lake Ontario if an additive effect is considered. Many fish that are popular for consumption, such as walleye, salmon, bass and trout, would have noticeably more stringent advisories. Improvements in the advisories may be needed to ensure that the health of humans consuming fish from the Great Lakes is protected. In this region, total polychlorinated biphenyls (PCBs) and mercury are the major contaminants causing restrictions on consuming fish, whereas dioxins/furans, toxaphene, and mirex/photomirex are of minor concern. Regular monitoring of most organochlorine pesticides and metals in fish can be discontinued.

Increased Transparency and Consumer Protections for 2016 Marketplace Plans.

PubMed

Brooks-LaSure, Chiquita

2015-12-01

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

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

PubMed Central

Kreitmair, Karola

2018-01-01

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

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

PubMed

Schweikardt, Christoph; Rosentreter, Michael; Gross, Dominik

2012-01-01

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

77 FR 76353 - Procedure Relating to Rulemaking

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-28

... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1074 [Docket No. CFPB-2012-0051] Procedure... procedures for rulemaking. Part 1074.1 establishes that the Bureau's rules are deemed issued upon the earlier... in 12 CFR Part 1074 Administrative practice and procedure. Authority and Issuance For the reasons set...

76 FR 9025 - Agency Information Collection Activities; Proposed Collection; Comment Request; Good Laboratory...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-02-16

... consumer protection, the Agency issued GLP regulations. The regulations specify minimum standards for the proper conduct of safety testing and contain sections on facilities, personnel, equipment, standard operating procedures (SOPs), test and control articles, quality assurance, protocol and conduct of a safety...

The College, the Constitution, and the Consumer Student. ERIC Digest.

ERIC Educational Resources Information Center

Hendrickson, Robert M.; Gibbs, Annette

Recent legal developments concerning college students and colleges and universities are summarized, with a focus on constitutional issues related to the rights of students to organize, the collection and allocation of mandatory student activity fees, and the protection of freedom of speech regarding commercial enterprises. The status of…

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

Code of Federal Regulations, 2014 CFR

2014-01-01

... Commission issues this guidance to manufacturers, importers, distributors, and retailers to protect children... with products that have exposed children to potentially hazardous amounts of lead. 1 This guidance is... eliminate the use of lead that may be accessible to children from products used in or around households...

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

Code of Federal Regulations, 2011 CFR

2011-01-01

... Commission issues this guidance to manufacturers, importers, distributors, and retailers to protect children... with products that have exposed children to potentially hazardous amounts of lead. 1 This guidance is... eliminate the use of lead that may be accessible to children from products used in or around households...

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

Code of Federal Regulations, 2012 CFR

2012-01-01

... Commission issues this guidance to manufacturers, importers, distributors, and retailers to protect children... with products that have exposed children to potentially hazardous amounts of lead. 1 This guidance is... eliminate the use of lead that may be accessible to children from products used in or around households...

Analyzing Key Success Factors of Green Brands for Enterprises in Taiwan

ERIC Educational Resources Information Center

Tu, Jui-Che; Tu, Ya-Wen; Jhangr, Yun-Sian

2016-01-01

During the last decade, environmental issues have become a global concern. According to a report by the Taiwan Environmental Protection Administration, more than 95% of consumers prioritize purchasing green products. Therefore, enterprises should consider environmental concerns in their operational strategies. This study identified how enterprises…

Nutrition issues in Codex: Health claims, nutrient reference values and WTO agreements: A conference report

USDA-ARS?s Scientific Manuscript database

A previous workshop had reviewed the development of the Codex Alimentarius (Codex) and its central role in protecting the health of consumers and ensuring fair practices in international food trade. This workshop further reviewed how Codex promotes harmonization and consensus by promoting the coordi...

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

PubMed

Tsourgiannis, L; Karasavvoglou, A; Florou, G

2011-10-01

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

The application of carbon monoxide in meat packaging needs to be re-evaluated within the EU: An overview.

PubMed

Van Rooyen, Lauren Anne; Allen, Paul; O'Connor, David I

2017-10-01

Carbon monoxide (CO) has many value-added benefits in meat packaging due to its colour stabilising effects and enhancement of meat quality attributes. The regulation of CO within meat packaging varies worldwide and remains a topical and controversial issue. CO is prohibited in the EU for use in meat packaging mainly due to fears it may mask spoilage therefore misleading consumers. The issue of consumer acceptance of CO was not considered. This article reviews the most pertinent literature to assess if the problems associated with the prohibition have been addressed. Applying CO pretreatments prior to vacuum packaging enhances colour while allowing discolouration to occur by the use-by-date, thereby addressing concerns about safety. Recent work showing European consumer acceptance of CO in meat packaging demonstrates its future potential within the EU. The information provided may support framing future policies intended to assure consumer protection, safety, choice and interest. Re-evaluation of permitting CO as a packaging gas within the EU may be warranted. Copyright © 2017 Elsevier Ltd. All rights reserved.

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

PubMed

Martinez-Martin, Nicole; Kreitmair, Karola

2018-04-23

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

Sale of prescription drugs over the Internet.

PubMed

Armstrong, K; Bloom, B S

1999-01-01

Online drugstores represent one of the hottest categories in electronic commerce. The Internet offers great promise in expanding access to prescription drugs for the disabled, the elderly, and people living in rural areas. But with this promise comes the danger of eliminating the safeguards that protect consumers from inappropriate use of medications and adverse drug events. This Issue Brief highlights two studies that investigate the availability of prescription drugs over the Internet, and focuses on the alarming ease with which consumers can obtain drugs without seeing a physician or a pharmacist.

Finance issue brief: comprehensive consumer rights bills: year end report-2002.

PubMed

Morgan, Rachel; MacEachern, Lillian

2002-12-31

The health care industry has historically used established formats for patient rights in order to maintain the integrity and quality of care in all settings of care provision. By establishing rights and responsibilities for patients, it increased patient involvement and created boundaries for acceptable practice for health care providers. As the provision of health care is evolving and including the health payor as never before, legislators are faced with the task of bridging the gap for consumers by creating protective measures that are referred to as a "Patient's Bill of Rights".

Finance issue brief: comprehensive consumer rights bill: year end report-2003.

PubMed

MacEachern, Lillian

2003-12-31

The health care industry has historically used established formats for patient rights in order to maintain the integrity and quality of care in all settings of care provision. By establishing rights and responsibilities for patients, it increased patient involvement and created boundaries for acceptable practice for health care providers. As the provision of health care is evolving and including the health payor as never before, legislators are faced with the task of bridging the gap for consumers by creating protective measures that are referred to as a "Patient's Bill of Rights".

Internet-based brain training games, citizen scientists, and big data: ethical issues in unprecedented virtual territories.

PubMed

Purcell, Ryan H; Rommelfanger, Karen S

2015-04-22

Internet brain training programs, where consumers serve as both subjects and funders of the research, represent the closest engagement many individuals have with neuroscience. Safeguards are needed to protect participants' privacy and the evolving scientific enterprise of big data. Copyright © 2015 Elsevier Inc. All rights reserved.

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.

[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.

Pharmaceutical promotion, advertising, and consumers.

PubMed

Batchlor, Elaine; Laouri, Marianne

2003-01-01

Proponents of drug promotion and advertising claim that it is informative and educational; opponents are concerned that the information conveyed encourages inappropriate and unnecessary use. Health Affairs papers by Joel Weissman and colleagues and by Robert Dubois provide some validation for the views of both sides of this debate but do not allow us to draw definitive conclusions about key issues involving inappropriate use of expensive medications and their substitution for cheaper medications that are just as effective. The extent to which consumers have been protected from the rising cost of pharmaceuticals further muddles the picture. However, new insurance benefit designs that threaten to shift more costs to consumers may fuel demand for more comprehensive and balanced information.

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.

Trouble Spots in Online Direct-to-Consumer Prescription Drug Promotion: A Content Analysis of FDA Warning Letters.

PubMed

Kim, Hyosun

2015-08-25

For the purpose of understanding the Food and Drug Administration's (FDA's) concerns regarding online promotion of prescription drugs advertised directly to consumers, this study examines notices of violations (NOVs) and warning letters issued by the FDA to pharmaceutical manufacturers. The FDA's warning letters and NOVs, which were issued to pharmaceutical companies over a 10-year period (2005 to 2014) regarding online promotional activities, were content-analyzed. Six violation categories were identified: risk information, efficacy information, indication information, product labeling, material information issues, and approval issues. The results reveal that approximately 95% of the alleged violations were found on branded drug websites, in online paid advertisements, and in online videos. Of the total 179 violations, the majority of the alleged violations were concerned with the lack of risk information and/or misrepresentation of efficacy information, suggesting that achieving a fair balance of benefit versus risk information is a major problem with regard to the direct-to-consumer advertising (DTCA) of prescription drugs. In addition, the character space limitations of online platforms, eg, sponsored links on search engines, pose challenges for pharmaceutical marketers with regard to adequately communicating important drug information, such as indication information, risk information, and product labeling. Presenting drug information in a fair and balanced manner remains a major problem. Industry guidance should consider addressing visibility and accessibility of information in the web environment to help pharmaceutical marketers meet the requirements for direct-to-consumer promotion and to protect consumers from misleading drug information. Promotion via social media warrants further attention, as pharmaceutical manufacturers have already begun actively establishing a social media presence, and the FDA has thus begun to keep tabs on social media promotions of prescription drugs. © 2015 by Kerman University of Medical Sciences.

Trouble Spots in Online Direct-to-Consumer Prescription Drug Promotion: A Content Analysis of FDA Warning Letters

PubMed Central

Kim, Hyosun

2015-01-01

Background: For the purpose of understanding the Food and Drug Administration’s (FDA’s) concerns regarding online promotion of prescription drugs advertised directly to consumers, this study examines notices of violations (NOVs) and warning letters issued by the FDA to pharmaceutical manufacturers. Methods: The FDA’s warning letters and NOVs, which were issued to pharmaceutical companies over a 10-year period (2005 to 2014) regarding online promotional activities, were content-analyzed. Results: Six violation categories were identified: risk information, efficacy information, indication information, product labeling, material information issues, and approval issues. The results reveal that approximately 95% of the alleged violations were found on branded drug websites, in online paid advertisements, and in online videos. Of the total 179 violations, the majority of the alleged violations were concerned with the lack of risk information and/or misrepresentation of efficacy information, suggesting that achieving a fair balance of benefit versus risk information is a major problem with regard to the direct-to-consumer advertising (DTCA) of prescription drugs. In addition, the character space limitations of online platforms, eg, sponsored links on search engines, pose challenges for pharmaceutical marketers with regard to adequately communicating important drug information, such as indication information, risk information, and product labeling. Conclusion: Presenting drug information in a fair and balanced manner remains a major problem. Industry guidance should consider addressing visibility and accessibility of information in the web environment to help pharmaceutical marketers meet the requirements for direct-to-consumer promotion and to protect consumers from misleading drug information. Promotion via social media warrants further attention, as pharmaceutical manufacturers have already begun actively establishing a social media presence, and the FDA has thus begun to keep tabs on social media promotions of prescription drugs. PMID:26673465

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...

Identifying effective factors on consumers' choice behavior toward green products: the case of Tehran, the capital of Iran.

PubMed

Rahnama, Hassan; Rajabpour, Shayan

2017-01-01

The environment is increasingly turning to a vital and very important issue for all people. By increasing environmental concerns as well as legislating and regulating rules on the protection of the environment and the emergence of green consumers, implementing green marketing approach for organizations seems to be more crucial and essential. As a result, the need for ecological products and green business activities compels companies to combine environmental issues with marketing strategies. The first step in the success of companies and organizations is to identify consumers and their consumption behaviors correctly and accurately. So, the purpose of this study is to identify effective factors for the choice of consumers of green products. We used consumption values (functional value, social value, emotional value, conditional value, epistemic value, and environmental value) as the effective factor for choosing green products. The original place of this research was in Tehran, capital city of Iran, which is one of the most polluted cities in the world due to environmental issues. The results from the survey questionnaires are analyzed using confirmatory factor analysis and structural equation modelling. The results indicated that functional value-price, functional value-quality, social value, epistemic value, and environmental value had significantly positive effects on the choice of green products; also, conditional value and emotional value had no influence on it. It was concluded that the main influential factors for consumers' choice behavior regarding green products included environmental value and epistemic value. This study emphasized the proper pricing of green products by producers and sellers.

Japan-U.S. Relations: Issues for Congress

DTIC Science & Technology

2012-05-04

decontamination of assets, monitoring of contamination of food and water, aerial detection capability, high-pressure water pumps, fire trucks, and protective...inspired individual consumers to voluntarily impose conservation measures. Radiation has apparently affected Japan’s food chain, leading Tokyo to...the evacuation of Tokyo were not disclosed to the public. Many Japanese continue to doubt whether food grown in areas surrounding the Fukushima

78 FR 56575 - Changes to the Home Equity Conversion Mortgage Program Requirements: Financial Assessments...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-12

... impairments may access this number via TTY by calling the Federal Relay Service at 800-877-8339. Copies of all... number via TTY by calling the toll-free Federal Relay Service during business hours at 1-800-877-8337... Congress'' that was published by the Consumer Financial Protection Bureau.\\1\\ The specific issues facing...

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...

The good, the bad, and the ugly: weighing the risks and benefits of seafood consumption.

PubMed

Morrissey, Michael T

2006-01-01

The health benefits that long chain omega-3 fatty acids contribute in the reduction of coronary heart disease are well established through a number of scientific publications. A number of studies are also examining their potential role in mitigating other diseases and health conditions such as Alzheimer's and mental disorders. Some of the latest research have shown the importance of omega-3 fatty acids such as docosahexaenoic acid in cognitive development in infants. Extensive scientific research and recommendations to consume fish regularly from professional societies, health organizations, and government agencies consistently support dietary guidance to consume fish regularly. Nevertheless, increasingly consumers are being warned to eliminate or minimize their consumption of certain species. The warnings, which have been issued due to risks associated with chemical contaminates such as mercury, PCB, and dioxin in fish, have received extensive coverage in news articles and stories in popular magazines. There have been a series of mixed messages to the consumer about the benefits or risks in eating seafood. In some cases, the warnings have been issued by government agencies such as the Food and Drug Administration and Environmental Protection Agency's Joint Fish Advisory on methylmercury. In other cases, the warnings have come from advocacy groups and others. Unfortunately, the advice is often miscommunicated and misunderstood by consumers. The emerging news about the benefits and risks of fish consumption will be discussed in the context of their impacts on consumer's health and well-being.

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.

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...

The causes and circumstances of drinking water incidents impact consumer behaviour: Comparison of a routine versus a natural disaster incident.

PubMed

Rundblad, Gabriella; Knapton, Olivia; Hunter, Paul R

2014-11-18

When public health is endangered, the general public can only protect themselves if timely messages are received and understood. Previous research has shown that the cause of threats to public health can affect risk perception and behaviours. This study compares compliance to public health advice and consumer behaviour during two "Boil Water" notices issued in the UK due to a routine incident versus a natural disaster incident. A postal questionnaire was sent to 1000 randomly selected households issued a routine "Boil Water" notice. Findings were then compared to a previous study that explored drinking water behaviour during a "Boil Water" notice issued after serious floods. Consumers affected by the routine incident showed a significant preference for official water company information, whereas consumers affected by the natural disaster preferred local information sources. Confusion over which notice was in place was found for both incidents. Non-compliance was significantly higher for the natural disaster (48.3%) than the routine incident (35.4%). For the routine incident, compliance with advice on drinking as well as preparing/cooking food and brushing teeth was positively associated with receiving advice from the local radio, while the opposite was true for those receiving advice from the water company/leaflet through the post; we suggest this may largely be due to confusion over needing boiled tap water for brushing teeth. No associations were found for demographic factors. We conclude that information dissemination plans should be tailored to the circumstances under which the advice is issued. Water companies should seek to educate the general public about water notices and which actions are safe and unsafe during which notice, as well as construct and disseminate clearer advice on brushing teeth and preparing/cooking food.

The Causes and Circumstances of Drinking Water Incidents Impact Consumer Behaviour: Comparison of a Routine versus a Natural Disaster Incident

PubMed Central

Rundblad, Gabriella; Knapton, Olivia; Hunter, Paul R.

2014-01-01

When public health is endangered, the general public can only protect themselves if timely messages are received and understood. Previous research has shown that the cause of threats to public health can affect risk perception and behaviours. This study compares compliance to public health advice and consumer behaviour during two “Boil Water” notices issued in the UK due to a routine incident versus a natural disaster incident. A postal questionnaire was sent to 1000 randomly selected households issued a routine “Boil Water” notice. Findings were then compared to a previous study that explored drinking water behaviour during a “Boil Water” notice issued after serious floods. Consumers affected by the routine incident showed a significant preference for official water company information, whereas consumers affected by the natural disaster preferred local information sources. Confusion over which notice was in place was found for both incidents. Non-compliance was significantly higher for the natural disaster (48.3%) than the routine incident (35.4%). For the routine incident, compliance with advice on drinking as well as preparing/cooking food and brushing teeth was positively associated with receiving advice from the local radio, while the opposite was true for those receiving advice from the water company/leaflet through the post; we suggest this may largely be due to confusion over needing boiled tap water for brushing teeth. No associations were found for demographic factors. We conclude that information dissemination plans should be tailored to the circumstances under which the advice is issued. Water companies should seek to educate the general public about water notices and which actions are safe and unsafe during which notice, as well as construct and disseminate clearer advice on brushing teeth and preparing/cooking food. PMID:25411725

Consumer Protection in HE: Complacency and Complaints, Compliance and Complexities

ERIC Educational Resources Information Center

Palfreyman, David

2012-01-01

The author argues that a Higher Education Bill will be lacking in the future, as promised in the 2011 White Paper on HE; and hence the regulatory framework for English HE will, for the immediate future at least, have to evolve within the law as it is rather than via new legal powers. The essential issue is how to extract the benefits of market…

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

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...

Value-Added Electricity Services: New Roles for Utilities and Third-Party Providers

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

Blansfield, J.; Wood, L.; Katofsky, R.

New energy generation, storage, delivery, and end-use technologies support a broad range of value-added electricity services for retail electricity customers. Sophisticated energy management services, distributed generation coupled with storage, and electric vehicle charging are just a few examples of emerging offerings. Who should provide value-added services — utilities or third parties, or both, and under what conditions? What policy and regulatory changes may be needed to promote competition and innovation, to account for utility costs to enable these services, and to protect consumers? The report approaches the issues from three perspectives: utilities, third-party service providers, and consumers: -Jonathan Blansfield andmore » Lisa Wood, Institute for Electric Innovation -Ryan Katofsky, Benjamin Stafford and Danny Waggoner, Advanced Energy Economy -National Association of State Utility Consumer Advocates« less

Animal Welfare: Data from an Online Consultation.

PubMed

Sechi, Paola; Baldinelli, Chiara; Iulietto, Maria F; Goga, Beniamino T Cenci

2015-11-02

This paper analyses data obtained from an online survey related to animal welfare and religious slaughter topics. The questionnaire was conducted with the purpose of examining the purchase behaviour of a group of consumers (with different religious orientation) and their views on animal protection and ritual slaughter. The main results of the consultation were two. The first evidenced the respondents' great interest about the question on animal welfare, which is in accordance with the growing interest of European citizens concerning this issue. The second was the demand for a more transparent labelling of animal products, which would also reflect animal welfare and the slaughter method used. These results are in contrast with marketing analysis, which finds that consumers want to only receive positive information. Paradoxically, the more information is transmitted to reassure consumers, the higher is the risk to alarm them.

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…

Intercollegiate Athletics. Compensation Varies for Selected Personnel in Athletic Departments. Report to the Chairwoman, Subcommittee on Commerce, Consumer Protection, and Competitiveness, Committee on Energy and Commerce, House of Representatives.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC. Div. of Human Resources.

This report responds to a congressional request for information on the following selected issues involving intercollegiate athletics: (1) revenue and expenses of the National Collegiate Athletic Association (NCAA) and its member schools' athletic departments; (2) a data profile on the gender and race/ethnicity of staff members in five selected…

Challenges Facing Amateur Athletics. Hearing before the Subcommittee on Commerce, Trade, and Consumer Protection of the Committee on Energy and Commerce. House of Representatives, One Hundred Seventh Congress, Second Session.

ERIC Educational Resources Information Center

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

This hearing examined challenges facing amateur athletics, focusing on several topics identified as relevant to the issue. Witnesses addressed the commercialization of collegiate sports and its impact. They also discussed how gambling affects amateur sports and looked at overall student athlete welfare. Testimony was presented by Michael Aguirre,…

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...

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...

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...

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...

Mandatory disclaimers on dietary supplements do not reliably communicate the intended issues.

PubMed

Kesselheim, Aaron S; Connolly, John; Rogers, James; Avorn, Jerry

2015-03-01

Some efforts by the government to regulate the promotional statements of pharmaceutical manufacturers have recently been found unconstitutional under the First Amendment, which has been interpreted to protect commercial as well as personal speech. As an alternative means of protecting patients from unreliable marketing claims, courts have proposed that the Food and Drug Administration could add disclaimers to promotional messages that discuss off-label, or unapproved, uses. We conducted a systematic review of studies of the disclaimers currently required for dietary supplements, to assess how well disclaimers inform consumers' health choices. A few small studies reported a modest impact of disclaimers on consumers' attitudes about dietary supplements, but larger and more rigorous studies generally revealed that many consumers were unaware of a disclaimer or reported that it did not affect their perceptions of a product. The available evidence indicates that replacing government restrictions on pharmaceutical marketing with potentially ineffective disclaimers will be an inadequate way of informing patients about the efficacy and safety of drugs, and it risks returning the United States to a previous era when inappropriate marketing claims about prescription drugs proliferated and contributed to the inappropriate use of those products. Project HOPE—The People-to-People Health Foundation, Inc.

Students as Consumers: The Implications of the Consumer Protection Act for Higher Education Institutions in South Africa

ERIC Educational Resources Information Center

Reddy, K.

2012-01-01

The Consumer Protection Act (CPA) lays the basis for the protection of consumer rights in South Africa and comprehensively sets out obligations for "suppliers". There have been differing views expressed as to whether a student should be seen as a consumer. It is clear, however, that this Act applies to HEIs. This article, firstly,…

Direct to consumer advertising in healthcare: history, benefits, and concerns.

PubMed

Adeoye, Sanjo; Bozic, Kevin J

2007-04-01

Physicians, health plans, hospitals, pharmaceutical companies, and medical device manufacturers have all recognized the benefits of marketing their products and services directly to the end user. As a result, there has been tremendous growth of direct-to-consumer advertising (DTCA), illustrated by the increase in spending on DTCA related to prescription drugs from an estimated $55 million in 1991 to $3.2 billion in 2003. This increase in DTCA has sparked vigorous debate among the major stakeholders in healthcare over the benefits and drawbacks of advertising directly to the healthcare consumer. Issues with DTCA include its impact on the doctor-patient relationship, patient education, inappropriate resource utilization, healthcare costs, healthcare quality, and overall patient wellbeing. Orthopaedic surgery is no longer insulated from this expanding trend in DTCA, as orthopaedic surgeons and hospitals are responsible for a substantial portion of DTCA related to orthopaedic devices and procedures. The Food and Drug Administration has a limited regulatory role and limited power related to DTCA due to considerable inefficiencies in its review and disciplinary processes. Therefore, physicians, including orthopaedic surgeons, must take a leadership role on this issue to ensure the integrity of information provided to patients and to protect the sanctity of the doctor-patient relationship.

Strategies to enhance price and quality competition in health care: lessons learned from tracking local markets.

PubMed

Lesser, Cara S; Ginsburg, Paul B

2006-06-01

Drawing on observations from tracking changes in local health care markets over the past ten years, this article critiques two Federal Trade Commission and Department of Justice recommendations to enhance price and quality competition. First, we take issue with the notion that consumers, acting independently, will drive greater competition in health care markets. Rather we suggest an important role remains for trusted agents who can analyze inherently complex price and quality information and negotiate on consumers' behalf. With aggregated information identifying providers who deliver cost-effective care, consumers would be better positioned to respond to financial incentives about where to seek care and thereby drive more meaningful competition among providers to reduce costs and improve quality. Second, we take issue with the FTC/DOJ recommendation to provide more direct subsidies to prevent distortions in competition. In the current political environment, it is not practical to provide direct subsidies for all of the unfunded care that exists in health care markets today; instead, some interference with competition may be necessary to protect cross subsidies. Barriers can be reduced, though, by revising pricing policies that have resulted in marked disparities in the relative profitability of different services.

76 FR 77392 - Patient Protection and Affordable Care Act; Establishment of Consumer Operated and Oriented Plan...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-13

... to protect CO-OP members against insurance industry involvement and interference. To ensure consumer... Protection and Affordable Care Act; Establishment of Consumer Operated and Oriented Plan (CO-OP) Program... the Consumer Operated and Oriented Plan (CO-OP) program, which provides loans to foster the creation...

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…

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...

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...

Mapping of Health Communication and Education Strategies Addressing the Public Health Dangers of Illicit Online Pharmacies.

PubMed

Anderson, Allison C; Mackey, Tim K; Attaran, Amir; Liang, Bryan A

2016-01-01

Illicit online pharmacies are a growing global public health concern. Stakeholders have started to engage in health promotion activities to educate the public, yet their scope and impact has not been examined. We wished to identify health promotion activities focused on consumer awareness regarding the risks of illicit online pharmacies. Organizations engaged on the issue were first identified using a set of engagement criteria. We then reviewed these organizations for health promotion programs, educational components, public service announcements, and social media engagement. Our review identified 13 organizations across a wide spectrum of stakeholders. Of these organizations, 69.2% (n = 9) had at least one type of health promotion activity targeting consumers. Although the vast majority of these organizations were active on Facebook or Twitter, many did not have dedicated content regarding online pharmacies (Facebook: 45.5%, Twitter: 58.3%). An online survey administered to 6 respondents employed by organizations identified in this study found that all organizations had dedicated programs on the issue, but only half had media planning strategies in place to measure the effectiveness of their programs. Overall, our results indicate that though some organizations are actively engaged on the issue, communication and education initiatives have had questionable effectiveness in reaching the public. We note that only a few organizations offered comprehensive and dedicated content to raise awareness on the issue and were effective in social media communications. In response, more robust collaborative efforts between stakeholders are needed to educate and protect the consumer about this public health and patient safety danger.

Chemicals in Household Products: Problems with Solutions

NASA Astrophysics Data System (ADS)

Glegg, Gillian A.; Richards, Jonathan P.

2007-12-01

The success of a regulatory regime in decreasing point-source emissions of some harmful chemicals has highlighted the significance of other sources. A growing number of potentially harmful chemicals have been incorporated into an expanding range of domestic household products and are sold worldwide. Tighter regulation has been proposed, and the European Commission has introduced the Regulation on the Registration, Evaluation, and Authorisation of Chemicals to address this concern. However, it is clear that in addition to the regulation, there is a potential to effect change through retailer and consumer attitudes and behaviours. Interviews were conducted with 7 key stakeholder groups to identify critical issues, which were then explored using a public survey questionnaire (1,008 respondents) and 8 subsequent focus groups. The findings demonstrated that the issue of chemicals in products is of concern to consumers for reasons of personal health rather than environmental protection. Key obstacles to the wider purchase of “green-alternative” products included perceived high cost and poor performance, lack of availability of products, and poor information concerning such products. Although improved regulation was seen as part of the solution, consumers must also play a role. It was clear from this study that consumers are not currently able to make informed choices about the chemicals they use but that they would be receptive to moving toward a more sustainable use of chemicals in the future if empowered to do so.

Chemicals in household products: problems with solutions.

PubMed

Glegg, Gillian A; Richards, Jonathan P

2007-12-01

The success of a regulatory regime in decreasing point-source emissions of some harmful chemicals has highlighted the significance of other sources. A growing number of potentially harmful chemicals have been incorporated into an expanding range of domestic household products and are sold worldwide. Tighter regulation has been proposed, and the European Commission has introduced the Regulation on the Registration, Evaluation, and Authorisation of Chemicals to address this concern. However, it is clear that in addition to the regulation, there is a potential to effect change through retailer and consumer attitudes and behaviours. Interviews were conducted with 7 key stakeholder groups to identify critical issues, which were then explored using a public survey questionnaire (1,008 respondents) and 8 subsequent focus groups. The findings demonstrated that the issue of chemicals in products is of concern to consumers for reasons of personal health rather than environmental protection. Key obstacles to the wider purchase of "green-alternative" products included perceived high cost and poor performance, lack of availability of products, and poor information concerning such products. Although improved regulation was seen as part of the solution, consumers must also play a role. It was clear from this study that consumers are not currently able to make informed choices about the chemicals they use but that they would be receptive to moving toward a more sustainable use of chemicals in the future if empowered to do so.

Intercollegiate Athletics: Revenues and Expenses, Gender and Minority Profiles, and Compensation in Athletic Departments. Testimony. Subcommittee on Commerce, Consumer Protection, and Competitiveness, Committee on Energy and Commerce, House of Representatives.

ERIC Educational Resources Information Center

Crawford, Clarence C.

This publication presents the testimony of Clarence C. Crawford, the Associate Director of Education and Employment Issues for the Human Resources Division of the General Accounting Office (GAO). The testimony deals with the finances of the National Collegiate Athletic Association (NCAA) and its member schools, gender profiles in schools' athletic…

International Satellite Issues: The Roles of the Executive Branch and FCC. Hearing before the Subcommittee on Telecommunications, Consumer Protection, and Finance of the Committee on Energy and Commerce. House of Representatives, Ninety-Ninth Congress, First Session.

ERIC Educational Resources Information Center

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

This hearing addressed the general topic of the role of the Federal Communications Commission (FCC) in establishing U.S. policy toward new international communications satellite systems. Statements presented by the following people are included: (1) Mark S. Fowler, Chairman, Federal Communications Commission; (2) David J. Markey, Assistant…

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

ERIC Educational Resources Information Center

Helliwell, Carolyn B.; Jung, Steven M.

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-02

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

Middle East food safety perspectives.

PubMed

Idriss, Atef W; El-Habbab, Mohammad S

2014-08-01

Food safety and quality assurance are increasingly a major issue with the globalisation of agricultural trade, on the one hand, and intensification of agriculture, on the other. Consumer protection has become a priority in policy-making amongst the large economies of the Middle East and North Africa (MENA) countries following a number of food safety incidents. To enhance food safety, it is necessary to establish markets underpinned by knowledge and resources, including analysis of international rejections of food products from MENA countries, international laboratory accreditation, improved reporting systems and traceability, continued development and validation of analytical methods, and more work on correlating sensory evaluation with analytical results. MENA countries should develop a national strategy for food safety based on a holistic approach that extends from farm-to-fork and involves all the relevant stakeholders. Accordingly, food safety should be a regional programme, raising awareness among policy- and decision-makers of the importance of food safety and quality for consumer protection, food trade and economic development. © 2014 Society of Chemical Industry.

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...

Ethical issues in livestock cloning.

PubMed

Thompson, P B

1999-01-01

Although cloning may eventually become an important technology for livestock production, four ethical issues must be addressed before the practice becomes widespread. First, researchers must establish that the procedure is not detrimental to the health or well-being of affected animals. Second, animal research institutions should evaluate the net social benefits to livestock producers by weighing the benefits to producers against the opportunity cost of research capacity lost to biomedical projects. Third, scientists should consider the indirect effects of cloning research on the larger ethical issues surrounding human cloning. Finally, the market structure for products of cloned animals should protect individual choice, and should recognize that many individuals find the prospect of cloning (or consuming cloned animals) repugnant. Analysis of these four issues is complicated by spurious arguments alleging that cloning will have a negative impact on environment and genetic diversity.

Use of Herbal Products and Potential Interactions in Patients With Cardiovascular Diseases

PubMed Central

Tachjian, Ara; Maria, Viqar; Jahangir, Arshad

2010-01-01

More than 15 million people in the United States consume herbal remedies or high-dose vitamins. The number of visits to providers of complementary and alternative medicine exceeds those to primary care physicians, for annual out-of-pocket costs of $30 billion. Use of herbal products forms the bulk of treatments, particularly by elderly persons who also consume multiple prescription medications for comorbid conditions, which increases the risk of adverse herb-drug-disease interactions. Despite the paucity of scientific evidence supporting the safety or efficacy of herbal products, their widespread promotion in the popular media and the unsubstantiated health care claims about their efficacy drive consumer demand. In this review, we highlight commonly used herbs and their interactions with cardiovascular drugs. We also discuss health-related issues of herbal products and suggest ways to improve their safety to better protect the public from untoward effects. PMID:20152556

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-29

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

78 FR 55327 - Advisory Committee for Aviation Consumer Protection

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-10

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

77 FR 47045 - Proposed Collection; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-07

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

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

ERIC Educational Resources Information Center

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

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

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

PubMed

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

2013-12-01

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

16 CFR 0.20 - Office of International Affairs.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

The New Hampshire retail competition pilot program and the role of green marketing

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

Holt, E.A.; Fang, J.M.

1997-11-01

Most states in the US are involved in electric industry restructuring, from considering the pros and cons in regulatory dockets to implementing legislative mandates for full restructuring and retail access for all consumers. Several states and utilities have initiated pilot programs in which multiple suppliers or service providers may compete for business and some utility customers can choose among competing suppliers. The State of New Hampshire has been experimenting with a pilot program, mandated by the State Legislature in 1995 and implemented by the New Hampshire Public Utilities Commission (NHPUC), before it implements full retail access. Green marketing, an attemptmore » to characterize the supplier or service provider as environmentally friendly without referring to the energy resource used to generate electricity, was used by several suppliers or service providers to attract customers. This appeal to environmental consumerism was moderately successful, but it raised a number of consumer protection and public policy issues. This issue brief examines the marketing methods used in New Hampshire and explores what green marketing might mean for the development of renewable energy generation. It also addresses the issues raised and their implications.« less

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...

75 FR 61419 - Inquiry on Copyright Policy, Creativity, and Innovation in the Internet Economy

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-05

...The Department of Commerce's Internet Policy Task Force is conducting a comprehensive review of the relationship between the availability and protection of online copyrighted works and innovation in the Internet economy. The Department, the United States Patent and Trademark Office (USPTO), and the National Telecommunications and Information Administration (NTIA) seek public comment from all interested stakeholders, including rights holders, Internet service providers, and consumers on the challenges of protecting copyrighted works online and the relationship between copyright law and innovation in the Internet economy. After analyzing the comments submitted in response to this Notice, the Internet Policy Task Force intends to issue a report that will contribute to the Administration's domestic policy and international engagement in the area of online copyright protection and innovation.

Context aware adaptive security service model

NASA Astrophysics Data System (ADS)

Tunia, Marcin A.

2015-09-01

Present systems and devices are usually protected against different threats concerning digital data processing. The protection mechanisms consume resources, which are either highly limited or intensively utilized by many entities. The optimization of these resources usage is advantageous. The resources that are saved performing optimization may be utilized by other mechanisms or may be sufficient for longer time. It is usually assumed that protection has to provide specific quality and attack resistance. By interpreting context situation of business services - users and services themselves, it is possible to adapt security services parameters to countermeasure threats associated with current situation. This approach leads to optimization of used resources and maintains sufficient security level. This paper presents architecture of adaptive security service, which is context-aware and exploits quality of context data issue.

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-17

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

75 FR 80817 - Charges for Certain Disclosures

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-23

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

40 CFR 1051.137 - What are the consumer labeling requirements?

Code of Federal Regulations, 2010 CFR

2010-07-01

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

12 CFR 1005.3 - Coverage.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

12 CFR 1005.3 - Coverage.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

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

ERIC Educational Resources Information Center

Mohr, Lillian Holmen

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

The Managed Care Backlash: Perceptions and Rhetoric in Health Care Policy and the Potential for Health Care Reform

PubMed Central

Mechanic, David

2001-01-01

The focus on managed care and the managed care backlash divert attention from more important national health issues, such as insurance coverage and quality of care. The ongoing public debate often does not accurately convey the key issues or the relevant evidence. Important perceptions of reduced encounter time with physicians, limitations on physicians' ability to communicate options to patients, and blocked access to inpatient care, among others, are either incorrect or exaggerated. The public backlash reflects a lack of trust resulting from cost constraints, explicit rationing, and media coverage. Inevitable errors are now readily attributed to managed care practices and organizations. Some procedural consumer protections may help restore the eroding trust and refocus public discussion on more central issues. PMID:11286094

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...

Information Needs for Student and Public Choice in Postsecondary Education.

ERIC Educational Resources Information Center

Shapiro, Paul S.

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-14

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

40 CFR 51.368 - Public information and consumer protection.

Code of Federal Regulations, 2013 CFR

2013-07-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-24

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

26 CFR 1.7702B-1 - Consumer protection provisions.

Code of Federal Regulations, 2011 CFR

2011-04-01

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

77 FR 66935 - Telephone Consumer Protection Act of 1991

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-08

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

A Consumer Protection Model for Regulating Lawyers.

ERIC Educational Resources Information Center

Chalfie, Deborah M.

1992-01-01

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

Accreditation and Student Consumer Protection. An Occasional Paper.

ERIC Educational Resources Information Center

Jung, Steven M.

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

Identification Of Geographical Origin Of Coffee Before And After Roasting By Electronic Noses

NASA Astrophysics Data System (ADS)

Sberveglieri, V.; Concina, I.; Falasconi, M.; Ongo, E.; Pulvirenti, A.; Fava, P.

2011-09-01

Geographical origin traceability of food is a relevant issue for both producers' business protection and customers' rights safeguard. Differentiation of coffees on the basis of geographical origin is still a challenging issue, though possible by means of chemical techniques [1]. Between the most widely consumed beverage, coffee is a valuable one, with an aroma constituted by hundreds of volatiles [2]. Since the final global volatile composition is also determined by the cultivation climatic conditions, Electronic Noses (ENs) could be interesting candidates for distinguishing the geographical provenience by exploiting differences in chemical volatile profile. The present investigation is directed toward the characterization of green and roasted coffees samples according to their geographical origin.

Disparity between state fish consumption advisory systems for Methylmercury and US Environmental Protection Agency recommendations: a case study of the South Central United States

USGS Publications Warehouse

Adams, Kimberly; Drenner, Ray W.; Chumchal, Matthew M.; Donato, David I.

2015-01-01

Fish consumption advisories are used to inform citizens in the United States about noncommercial game fish with hazardous levels of methylmercury (MeHg). The US Environmental Protection Agency (USEPA) suggests issuing a fish consumption advisory when concentrations of MeHg in fish exceed a human health screening value of 300 ng/g. However, states have authority to develop their own systems for issuing fish consumption advisories for MeHg. Five states in the south central United States (Arkansas, Louisiana, Mississippi, Oklahoma, and Texas) issue advisories for the general human population when concentrations of MeHg exceed 700 ng/g to 1000 ng/g. The objective of the present study was to estimate the increase in fish consumption advisories that would occur if these states followed USEPA recommendations. The authors used the National Descriptive Model of Mercury in Fish to estimate the mercury concentrations in 5 size categories of largemouth bass–equivalent fish at 766 lentic and lotic sites within the 5 states. The authors found that states in this region have not issued site-specific fish consumption advisories for most of the water bodies that would have such advisories if USEPA recommendations were followed. One outcome of the present study may be to stimulate discussion between scientists and policy makers at the federal and state levels about appropriate screening values to protect the public from the health hazards of consuming MeHg-contaminated game fish.

SUDOQU: a new dose model to derive criteria for surface contamination of non-food (consumer) goods, containers and conveyances.

PubMed

van Dillen, Teun

2015-04-01

The Fukushima nuclear accident (Japan, 11 March 2011) revealed the need for well-founded criteria for surface contamination and associated screening levels related to the import of non-food (consumer) goods, containers and conveyances. The only available European-harmonised criteria are those laid down in the IAEA transport regulations, but these criteria date back from the early 1960s and only apply to the safe transport of radioactive materials. The main problem is that a generic dose-assessment model for consumer products is missing. Therefore, RIVM (National Institute for Public Health and the Environment) developed a new methodology entitled SUDOQU (SUrface DOse QUantification) to calculate the annual effective dose for both consumers and non-radiological workers, addressing issues of removability of surface contamination. The methodology can be used to derive criteria and screening levels for surface contamination and could serve as a useful tool for policy-makers and radiation-protection specialists. © The Author 2014. Published by Oxford University Press. All rights reserved. For Permissions, please email: journals.permissions@oup.com.

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...

12 CFR 1002.16 - Enforcement, penalties and liabilities.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

12 CFR 1002.16 - Enforcement, penalties and liabilities.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

12 CFR 1002.16 - Enforcement, penalties and liabilities.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

Consumer Protection for Educators.

ERIC Educational Resources Information Center

Wallace, James M.

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-24

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

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

ERIC Educational Resources Information Center

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

2000-01-01

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

16 CFR 901.4 - Criteria for determination.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

The Emperor's New Clothes II--time for regulators to wake up and take responsibility for unnecessary asthma morbidity: time for the second aerosol 'transition'.

PubMed

Everard, Mark L

2013-09-01

The rate of technological improvement continues to accelerate. Regulators in every field dealing with consumer products continue to set ever higher standards to protect consumers from adverse events and use 'recalls' to remove products that prove to be harmful from the market. In the field of medical products in general the issues of 'human factors' and 'usability' are now, quite rightly, a major issue at least among regulators in the USA. The elephant in the inhaled therapy room is of course the continued use of obsolete, portable inhalers which few patients can use effectively for the treatment of asthma. Countless studies have demonstrated that the inability of patients to use these devices effectively is a major factor in perpetuating unnecessarily high levels of morbidity. They fail to meet basic usability standards and do not incorporate the facility to provide feedback to patient and clinician. More than 20 years ago regulators deemed that pressurised metered dose inhalers containing chlorofluorocarbons should be removed from the market on environmental grounds even though their use accounted for less than 0.5% of chlorofluorocarbon use. Surely asthmatic patients require the same level of protection. Unfortunately regulators appear determined to fossilise the field in a 1950's time warp by ensuring that the failings of obsolete technology are perpetuated in any 'generic' device. The time has come for regulators to meet their obligations to 'protect the public health by assuring the safety, effectiveness, and security of drugs, vaccines and other biological products, medical devices….' and mandate the phasing out of these antiquated devices within the next decade in order to reduce the unacceptably high burden of preventable morbidity and death associated with their use.

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

Code of Federal Regulations, 2010 CFR

2010-07-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-06

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

Cybersecurity: Authoritative Reports and Resources

DTIC Science & Technology

2013-10-25

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

[MATCHE: Management Approach to Teaching Consumer and Homemaking Education.] Consumer Approach Strand: Management. Module I-F-3: Environmental Issues and the Consumer.

ERIC Educational Resources Information Center

Movey, Jan

This competency-based preservice home economics teacher education module on environmental issues and the consumer is the third in a set of seven modules on consumer education related to management. (This set is part of a larger series of sixty-seven modules on the Management Approach to Teaching Consumer and Homemaking Education [MATCHE]--see CE…

Edible insects - defining knowledge gaps in biological and ethical considerations of entomophagy.

PubMed

Pali-Schöll, Isabella; Binder, Regina; Moens, Yves; Polesny, Friedrich; Monsó, Susana

2018-04-25

While seeking novel food sources to feed the increasing population of the globe, several alternatives have been discussed, including algae, fungi or in vitro meat. The increasingly propagated usage of farmed insects for human nutrition raises issues regarding food safety, consumer information and animal protection. In line with law, insects like any other animals must not be reared or manipulated in a way that inflicts unnecessary pain, distress or harm on them. Currently, there is a great need for research in the area of insect welfare, especially regarding species-specific needs, health, farming systems and humane methods of killing. Recent results from neurophysiological, neuroanatomical and behavioral sciences prompt caution when denying consciousness and therefore the likelihood of presence of pain and suffering or something closely related to it to insects. From an animal protection point of view, these issues should be satisfyingly solved before propagating and establishing intensive husbandry systems for insects as a new type of mini-livestock factory farming.

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...

Over-the-counter vaginal contraceptive and spermicide drug products containing nonoxynol 9; required labeling. Final rule.

PubMed

2007-12-19

The Food and Drug Administration (FDA) is issuing a final rule establishing new warning statements and other labeling information for all over-the-counter (OTC) vaginal contraceptive drug products (also known as spermicides, hereinafter referred to as vaginal contraceptives or vaginal contraceptives/spermicides) containing nonoxynol 9 (N9). These warning statements will advise consumers that vaginal contraceptives/spermicides containing N9 do not protect against infection from the human immunodeficiency virus (HIV), the virus that causes acquired immunodeficiency syndrome (AIDS), or against getting other sexually transmitted diseases (STDs). The warnings and labeling information will also advise consumers that use of vaginal contraceptives and spermicides containing N9 can irritate the vagina and rectum and may increase the risk of getting the AIDS virus (HIV) from an infected partner. This final rule is part of FDA's ongoing review of OTC drug products. FDA is issuing this final rule after considering public comments on its proposed regulation, and all relevant data and information on N9 that have come to our attention.

[Personal genomics: are we debating the right Issues?].

PubMed

Vayena, E; Mauch, F

2012-07-25

The debate about personal genomics and their role in personalized medicine has been, to some extent, hijacked by the controversy about commercially available genomic tests sold directly to consumers. The clinical validity and utility of such tests are currently limited and most medical associations recommend that consumers refrain from testing. Conversely, DTC genomics proponents and particularly the DTC industry argue that there is personal utility in acquiring genomic information. While it is necessary to debate risks and benefits of DTC genomics, we should not lose sight of the increasingly important role that genomics will play in medical practice and public health. Therefore, and in anticipation of this shift we also need to focus on important implications from the use of genomics information such as genetic discrimination, privacy protection and equitable access to health care. Undoubtedly, personal genomics will challenge our social norms maybe more than our medicine. Sticking to the polarization of «to have or not to have DTC genomics» risks to takes us away from the critical issues we need to be debating.

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

NASA Astrophysics Data System (ADS)

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

2017-04-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-11

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

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

ERIC Educational Resources Information Center

Jung, Steven M.; And Others

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

Radiological protection issues arising during and after the Fukushima nuclear reactor accident.

PubMed

González, Abel J; Akashi, Makoto; Boice, John D; Chino, Masamichi; Homma, Toshimitsu; Ishigure, Nobuhito; Kai, Michiaki; Kusumi, Shizuyo; Lee, Jai-Ki; Menzel, Hans-Georg; Niwa, Ohtsura; Sakai, Kazuo; Weiss, Wolfgang; Yamashita, Shunichi; Yonekura, Yoshiharu

2013-09-01

Following the Fukushima accident, the International Commission on Radiological Protection (ICRP) convened a task group to compile lessons learned from the nuclear reactor accident at the Fukushima Daiichi nuclear power plant in Japan, with respect to the ICRP system of radiological protection. In this memorandum the members of the task group express their personal views on issues arising during and after the accident, without explicit endorsement of or approval by the ICRP. While the affected people were largely protected against radiation exposure and no one incurred a lethal dose of radiation (or a dose sufficiently large to cause radiation sickness), many radiological protection questions were raised. The following issues were identified: inferring radiation risks (and the misunderstanding of nominal risk coefficients); attributing radiation effects from low dose exposures; quantifying radiation exposure; assessing the importance of internal exposures; managing emergency crises; protecting rescuers and volunteers; responding with medical aid; justifying necessary but disruptive protective actions; transiting from an emergency to an existing situation; rehabilitating evacuated areas; restricting individual doses of members of the public; caring for infants and children; categorising public exposures due to an accident; considering pregnant women and their foetuses and embryos; monitoring public protection; dealing with 'contamination' of territories, rubble and residues and consumer products; recognising the importance of psychological consequences; and fostering the sharing of information. Relevant ICRP Recommendations were scrutinised, lessons were collected and suggestions were compiled. It was concluded that the radiological protection community has an ethical duty to learn from the lessons of Fukushima and resolve any identified challenges. Before another large accident occurs, it should be ensured that inter alia: radiation risk coefficients of potential health effects are properly interpreted; the limitations of epidemiological studies for attributing radiation effects following low exposures are understood; any confusion on protection quantities and units is resolved; the potential hazard from the intake of radionuclides into the body is elucidated; rescuers and volunteers are protected with an ad hoc system; clear recommendations on crisis management and medical care and on recovery and rehabilitation are available; recommendations on public protection levels (including infant, children and pregnant women and their expected offspring) and associated issues are consistent and understandable; updated recommendations on public monitoring policy are available; acceptable (or tolerable) 'contamination' levels are clearly stated and defined; strategies for mitigating the serious psychological consequences arising from radiological accidents are sought; and, last but not least, failures in fostering information sharing on radiological protection policy after an accident need to be addressed with recommendations to minimise such lapses in communication.

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

ERIC Educational Resources Information Center

Monsma, Charles

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

77 FR 11073 - Proposed Collection; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-24

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

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

Code of Federal Regulations, 2012 CFR

2012-01-01

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

Examining the Issues. Proceedings of the American Council on Consumer Interests 23rd Annual Conference.

ERIC Educational Resources Information Center

American Council on Consumer Interests, Columbia, MO.

The document contains proceedings of a conference on consumer interests. The proceedings are proposed for those who attended the conference and other interested professionals. The major purpose of these proceedings is to stimulate thought and discussion regarding consumer issues. The first general session focuses on consumer representation. Three…

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

Code of Federal Regulations, 2014 CFR

2014-01-01

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

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

Code of Federal Regulations, 2013 CFR

2013-01-01

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

78 FR 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.''

Communication, perception and behaviour during a natural disaster involving a 'Do Not Drink' and a subsequent 'Boil Water' notice: a postal questionnaire study.

PubMed

Rundblad, Gabriella; Knapton, Olivia; Hunter, Paul R

2010-10-25

During times of public health emergencies, effective communication between the emergency response agencies and the affected public is important to ensure that people protect themselves from injury or disease. In order to investigate compliance with public health advice during natural disasters, we examined consumer behaviour during two water notices that were issued as a result of serious flooding. During the summer of 2007, 140,000 homes in Gloucestershire, United Kingdom, that are supplied water from Mythe treatment works, lost their drinking water for up to 17 days. Consumers were issued a 'Do Not Drink' notice when the water was restored, which was subsequently replaced with a 'Boil Water' notice. The rare occurrence of two water notices provided a unique opportunity to compare compliance with public health advice. Information source use and other factors that may affect consumer perception and behaviour were also explored. A postal questionnaire was sent to 1,000 randomly selected households. Chi-square, ANOVA, MANOVA and generalised estimating equation (with and without prior factor analysis) were used for quantitative analysis. In terms of information sources, we found high use of and clear preference for the local radio throughout the incident, but family/friends/neighbours also proved crucial at the onset. Local newspapers and the water company were associated with clarity of advice and feeling informed, respectively. Older consumers and those in paid employment were particularly unlikely to read the official information leaflets. We also found a high degree of confusion regarding which notice was in place at which time, with correct recall varying between 23.2%-26.7%, and a great number of consumers believed two notices were in place simultaneously. In terms of behaviour, overall non-compliance levels were significantly higher for the 'Do Not Drink' notice (62.9%) compared to the 'Boil Water' notice (48.3%); consumers in paid employment were not likely to comply with advice. Non-compliance with the general advice to boil bowser water was noticeably lower (27.3%). Higher non-compliance during the 'Do Not Drink' notice was traced to the public's limited knowledge of water notices and their folk beliefs about the protection offered from boiling water. We suggest that future information dissemination plans reduce reliance on official leaflets and maximise the potential of local media and personal networks. Current public health education programmes are recommended to attend to insufficient and incorrect public knowledge about precautionary actions.

Communication, perception and behaviour during a natural disaster involving a 'Do Not Drink' and a subsequent 'Boil Water' notice: a postal questionnaire study

PubMed Central

2010-01-01

Background During times of public health emergencies, effective communication between the emergency response agencies and the affected public is important to ensure that people protect themselves from injury or disease. In order to investigate compliance with public health advice during natural disasters, we examined consumer behaviour during two water notices that were issued as a result of serious flooding. During the summer of 2007, 140,000 homes in Gloucestershire, United Kingdom, that are supplied water from Mythe treatment works, lost their drinking water for up to 17 days. Consumers were issued a 'Do Not Drink' notice when the water was restored, which was subsequently replaced with a 'Boil Water' notice. The rare occurrence of two water notices provided a unique opportunity to compare compliance with public health advice. Information source use and other factors that may affect consumer perception and behaviour were also explored. Method A postal questionnaire was sent to 1,000 randomly selected households. Chi-square, ANOVA, MANOVA and generalised estimating equation (with and without prior factor analysis) were used for quantitative analysis. Results In terms of information sources, we found high use of and clear preference for the local radio throughout the incident, but family/friends/neighbours also proved crucial at the onset. Local newspapers and the water company were associated with clarity of advice and feeling informed, respectively. Older consumers and those in paid employment were particularly unlikely to read the official information leaflets. We also found a high degree of confusion regarding which notice was in place at which time, with correct recall varying between 23.2%-26.7%, and a great number of consumers believed two notices were in place simultaneously. In terms of behaviour, overall non-compliance levels were significantly higher for the 'Do Not Drink' notice (62.9%) compared to the 'Boil Water' notice (48.3%); consumers in paid employment were not likely to comply with advice. Non-compliance with the general advice to boil bowser water was noticeably lower (27.3%). Conclusion Higher non-compliance during the 'Do Not Drink' notice was traced to the public's limited knowledge of water notices and their folk beliefs about the protection offered from boiling water. We suggest that future information dissemination plans reduce reliance on official leaflets and maximise the potential of local media and personal networks. Current public health education programmes are recommended to attend to insufficient and incorrect public knowledge about precautionary actions. PMID:20973959

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...

DoD Consumer Affairs Program

DTIC Science & Technology

1982-08-12

Suggestion boxes. 11 Customer "Want" slips. (c) Communications to Consumers on Issues and Decisions. Consumers are informed of issues and pending final...of Federal Consumer Programs," September 26, 1979 (c) DoD Directive 5000. 19, "Policies for the Management and Control of Intotmation Requirements...b) to update responsibilities and guidelines for the DoD Consumer Affairs Program. B. APPLICABILITY This Directive applies to the Office of the

Stakeholder interactions and the development of functional foods.

PubMed

McConnon, Aine; Cade, Janet; Pearman, Alan

2002-06-01

This paper investigates the roles of the individual stakeholders involved in the development of functional foods and the implications of their actions for public perception of this new food concept. At a time when consumer awareness of the link between diet and health is strong, a new food concept incorporating of a wide spectrum of foods has captured the imagination of the food industry and consumers alike. Functional foods provide a new category of foods that appear to be offering the public the opportunity to achieve a healthy lifestyle with minimal effort. Public perception may determine whether this new food concept is to become the next successful breakthrough in nutritional science or just another marketing gimmick devised by food manufacturers. The paper also addresses issues that arise directly as a result of the emergence of functional foods, such as appropriate legislation in connection to health claims in order to ensure consumer protection and also the lack of clarity in relation to definitions of what constitutes a functional food. The paper concludes that functional foods can only reach their maximum potential if the food industry, government and health professionals work together to improve communication between themselves and consumers and also to educate consumers, thereby allowing them to make informed decisions about dietary choices.

Topics and Issues. Perspectives on Consumer Education. A NASBE Monograph Series.

ERIC Educational Resources Information Center

Prentice, Dinah, Ed.

This document is one in a series of three monographs developed by the National Association of State Boards of Education and designed to acquaint the reader with consumer education issues and how they affect policies. Included in these monographs are articles on what should be taught as part of consumer education, how consumer education programs…

76 FR 43569 - Identification of Enforceable Rules and Orders

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-21

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

Educating the Consumer about Advertising: Some Issues. ERIC Digest.

ERIC Educational Resources Information Center

Gottlieb, Stephen S.

Providing a basic overview of issues related to advertising and the consumer, this digest discusses the omnipresence of advertisements, suggesting ways for consumers to recognize advertising appeals. Deceptive advertising is discussed, with particular attention paid to financial advertising. (RS)

Drinking-water quality management: the Australian framework.

PubMed

Sinclair, Martha; Rizak, Samantha

The most effective means of assuring drinking-water quality and the protection of public health is through adoption of a preventive management approach that encompasses all steps in water production from catchment to consumer. However, the reliance of current regulatory structures on compliance monitoring of treated water tends to promote a reactive management style where corrective actions are initiated after monitoring reveals that prescribed levels have been exceeded, and generally after consumers have received the noncomplying water. Unfortunately, the important limitations of treated water monitoring are often not appreciated, and there is a widespread tendency to assume that intensification of compliance monitoring or lowering of compliance limits is an effective strategy to improving the protection of public health. To address these issues and emphasize the role of preventive system management, the Australian National Health and Medical Research Council in collaboration with the Co-operative Research Centre for Water Quality and Treatment has developed a comprehensive quality management approach for drinking water. This Framework for Management of Drinking Water Quality will assist water suppliers in providing a higher level of assurance for drinking water quality and safety. The framework integrates quality and risk management principles, and provides a comprehensive, flexible, and proactive means of optimizing, drinking-water quality and protecting public health. It does not eliminate the requirement for compliance monitoring but allows it to be viewed in the proper perspective as providing verification that preventive measures are effective, rather than as the primary means of protecting public health.

Sunscreening Agents

PubMed Central

Martis, Jacintha; Shobha, V; Sham Shinde, Rutuja; Bangera, Sudhakar; Krishnankutty, Binny; Bellary, Shantala; Varughese, Sunoj; Rao, Prabhakar; Naveen Kumar, B.R.

2013-01-01

The increasing incidence of skin cancers and photodamaging effects caused by ultraviolet radiation has increased the use of sunscreening agents, which have shown beneficial effects in reducing the symptoms and reoccurrence of these problems. Many sunscreen compounds are in use, but their safety and efficacy are still in question. Efficacy is measured through indices, such as sun protection factor, persistent pigment darkening protection factor, and COLIPA guidelines. The United States Food and Drug Administration and European Union have incorporated changes in their guidelines to help consumers select products based on their sun protection factor and protection against ultraviolet radiation, whereas the Indian regulatory agency has not yet issued any special guidance on sunscreening agents, as they are classified under cosmetics. In this article, the authors discuss the pharmacological actions of sunscreening agents as well as the available formulations, their benefits, possible health hazards, safety, challenges, and proper application technique. New technologies and scope for the development of sunscreening agents are also discussed as well as the role of the physician in patient education about the use of these agents. PMID:23320122

29 CFR 1985.100 - Purpose and scope.

Code of Federal Regulations, 2014 CFR

2014-07-01

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

76 FR 31222 - Identification of Enforceable Rules and Orders

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-31

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

77 FR 74831 - Fair Credit Reporting Act Disclosures

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-18

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

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.

The ethical framing of personalized medicine.

PubMed

Joly, Yann; Saulnier, Katie M; Osien, Gladys; Knoppers, Bartha M

2014-10-01

Personalized medicine encompasses the use of biological information such as genomics to provide tailored interventions for patients. The review explores the ethical, legal, and social issues that have emerged with personalized medicine and must be considered because of the complex nature of providing individualized care within a clinical setting. Recent studies found that the use of personalized medicine presents challenges in multiple areas: biobanking and informed consent, confidentiality, genetic discrimination, return of results, access to treatment, clinical translation, direct-to-consumer genetic testing, emerging duties, and knowledge mobilization. Although personalized medicine provides benefits in treating patients in a manner that is more suited to their genetic profile, there are challenges that must be discussed to ensure the protection and fair treatment of individuals. The issues concerning personalized medicine are widespread, and range from individual privacy to the stratification and discrimination of sub-populations based on ethnicity. These issues have considerable impact on the individual and society. A thorough exploration of these ethical issues may identify novel challenges as well as potential avenues for resolution.

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 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

12 CFR 536.10 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 208.81 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 14.10 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 343.10 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-14

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

Effectiveness of FDA's new over-the-counter acetaminophen warning label in improving consumer risk perception of liver damage.

PubMed

Goyal, R K; Rajan, S S; Essien, E J; Sansgiry, S S

2012-12-01

The Food and Drug Administration (FDA) issued new organ-specific warning label requirements for over-the-counter (OTC) analgesic products in order to make consumers aware of the risk of liver damage when using acetaminophen. However, awareness of a health risk alone cannot ensure consumers' engagement in safe and preventive behaviour. In this study, we attempted to: (i) measure consumer risk perception of liver damage due to the OTC acetaminophen products and (ii) analyse the effectiveness of the new organ-specific warning label in improving consumer risk perception of liver damage and intention to perform protective behaviours while using OTC acetaminophen products. This within-subject experimental study used a convenience sample of English-speaking adults visiting OTC segments of selected pharmacy stores in Houston. Participants were randomly exposed to the old and new warning labels and their respective risk perception (measured on a visual analogue scale, 0%, no risk, to 100%, extreme risk) and behavioural intention (measured on a 7-point Likert scale) were recorded using a validated, self-administered questionnaire. Descriptive statistics and non-parametric Wilcoxon signed-rank tests were performed using sas statistical software (v 9.2) at a priori significance level of 0.05. Majority of participants (74.4%) were not aware of the new warnings; however, majority (67.8%) had prior knowledge of the risk. The mean risk perception score for the new warning label was found to be significantly higher (72.2% vs. 65.9%, P < 0.0001) than the old warning label. Similarly, the average intention score for the new warning label was significantly higher (5.06 vs. 4.86, P < 0.0001) than the old warning label. The new warning label mandated by FDA is effective in improving consumer risk perception of potential liver damage and may encourage protective behaviour. However, future studies are essential to assess the impact of the new label on actual changes in consumer behaviour and subsequent reduction in acetaminophen-related morbidity and mortality. © 2012 Blackwell Publishing Ltd.

29 CFR 1985.102 - Obligations and prohibited acts.

Code of Federal Regulations, 2014 CFR

2014-07-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

5 CFR 581.401 - Aggregate disposable earnings.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

32 CFR 232.7 - Preemption.

Code of Federal Regulations, 2010 CFR

2010-07-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-20

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

75 FR 10991 - National Consumer Protection Week, 2010

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-10

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

Automated discovery of safety and efficacy concerns for joint & muscle pain relief treatments from online reviews.

PubMed

Adams, David Z; Gruss, Richard; Abrahams, Alan S

2017-04-01

Product issues can cost companies millions in lawsuits and have devastating effects on a firm's sales, image and goodwill, especially in the era of social media. The ability for a system to detect the presence of safety and efficacy (S&E) concerns early on could not only protect consumers from injuries due to safety hazards, but could also mitigate financial damage to the manufacturer. Prior studies in the field of automated defect discovery have found industry-specific techniques appropriate to the automotive, consumer electronics, home appliance, and toy industries, but have not investigated pain relief medicines and medical devices. In this study, we focus specifically on automated discovery of S&E concerns in over-the-counter (OTC) joint and muscle pain relief remedies and devices. We select a dataset of over 32,000 records for three categories of Joint & Muscle Pain Relief treatments from Amazon's online product reviews, and train "smoke word" dictionaries which we use to score holdout reviews, for the presence of safety and efficacy issues. We also score using conventional sentiment analysis techniques. Compared to traditional sentiment analysis techniques, we found that smoke term dictionaries were better suited to detect product concerns from online consumer reviews, and significantly outperformed the sentiment analysis techniques in uncovering both efficacy and safety concerns, across all product subcategories. Our research can be applied to the healthcare and pharmaceutical industry in order to detect safety and efficacy concerns, reducing risks that consumers face using these products. These findings can be highly beneficial to improving quality assurance and management in joint and muscle pain relief. Copyright © 2017 Elsevier B.V. All rights reserved.

76 FR 14010 - Public Workshop: Debt Collection 2.0: Protecting Consumers as Technologies Change

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-15

...The FTC announces that it will hold a public workshop on April 28, 2011, to address consumer protection issues that have arisen as debt collectors avail themselves of advances in technology. The workshop will explore developments in technology that debt collectors use to gather, store, and manage information about consumers; to comply with the law; to communicate with consumers; and to receive payment. The workshop will provide an opportunity for government regulators, industry members, technologists, consumer advocates, and researchers, to discuss the costs and benefits of these technologies for debt collectors and consumers. It will also address whether and how collectors may use such technologies consistent with applicable laws, including the Fair Debt Collection Practices Act and Section 5 of the FTC Act, what consumer protection concerns arise from use of these technologies, and what actions, if any, the Commission and other policymakers should take to respond to those concerns. This notice poses a series of questions on which the Commission seeks comment. The event is open to the public, and there is no fee for attendance. For admittance to the workshop, all attendees will be required to show a valid form of government-issued photo identification, such as a driver's license. Additional information about the workshop will be posted on the FTC's Web site at: http:// www.ftc.gov/bcp/workshops/debtcollectiontech/index.shtml. Date and Location: The workshop will be held on April 28, 2011, from 8:30 a.m. to 5:30 p.m., at the Federal Trade Commission's Satellite Building Conference Center, located at 601 New Jersey Avenue, NW., Washington, DC. Workshop Agenda: Additional information, including an agenda and panelist biographies, will be posted on the FTC's Web site at http:// www.ftc.gov/bcp/workshops/debtcollectiontech/index.shtml. Public Comments: Interested parties are invited to submit written comments electronically or in paper form, by following the instructions in the Instructions For Filing Comments part of the SUPPLEMENTARY INFORMATION section below. Comments filed in electronic form should be submitted by using the following Web link: https:// ftcpublic.commentworks.com/ftc/debtcollecttechworkshop, and following the instructions on the Web-based form. Comments in paper form should be mailed or delivered to the following address: Federal Trade Commission, Office of the Secretary, Room H-113 (Annex F), 600 Pennsylvania Avenue, NW., Washington, DC 20580, in the manner detailed in the SUPPLEMENTARY INFORMATION section below. To be considered in preparation for the workshop, comments must be received by Thursday, April 7, 2011. However, comments will be accepted through Friday, May 27, 2011. Requests to Participate as Workshop Panelists: FTC staff will identify and invite individuals with relevant expertise to participate as panelists. In addition, the FTC staff may invite other persons to participate as panelists who submit requests in response to this Federal Register notice. Requests to participate as panelists in the workshop must be received on or before 5 p.m. EST, Tuesday, March 22, 2011. Persons filing requests to participate as panelists will be notified whether they have been selected on or before Wednesday, March 31, 2011. For further instructions, please see the ``Requests to Participate as Workshop Panelists'' section under SUPPLEMENTARY INFORMATION below.

EAACI Food Allergy and Anaphylaxis Guidelines. Protecting consumers with food allergies: understanding food consumption, meeting regulations and identifying unmet needs.

PubMed

Muraro, A; Hoffmann-Sommergruber, K; Holzhauser, T; Poulsen, L K; Gowland, M H; Akdis, C A; Mills, E N C; Papadopoulos, N; Roberts, G; Schnadt, S; van Ree, R; Sheikh, A; Vieths, S

2014-11-01

Individuals suffering from IgE-mediated food allergy usually have to practise life-long food allergen avoidance. This document aims to provide an overview of recent evidence-based recommendations for allergen risk assessment and management in the food industry and discusses unmet needs and expectations of the food allergic consumer in that context. There is a general duty of care on the food industry and obligations in European Union legislation to reduce and manage the presence of allergens alongside other food hazards. Current evidence enables quantification of allergen reference doses used to set-up reliable food safety management plans for some foods. However, further work is required to include a wider variety of foods and to understand the impact of the food matrix as well as additional factors which affect the progression and severity of symptoms as a function of dose. Major concerns have been raised by patients, carers and patient groups about the use of precautionary 'may contain' labelling to address the issue of unintended presence of allergens; these therefore need to be reconsidered. New and improved allergen detection methods should be evaluated for their application in food production. There is an urgent requirement for effective communication between healthcare professionals, patient organizations, food industry representatives and regulators to develop a better approach to protecting consumers with food allergies. © 2014 John Wiley & Sons A/S. Published by John Wiley & Sons Ltd.

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

ERIC Educational Resources Information Center

Waxman, Michael Peter

1995-01-01

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

Cybersecurity: Authoritative Reports and Resources

DTIC Science & Technology

2013-07-25

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

Cybersecurity: Authoritative Reports and Resources

DTIC Science & Technology

2013-04-17

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-09

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

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

ERIC Educational Resources Information Center

Jensen, Barbara J.; And Others

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

Ethics in medical information and advertising.

PubMed

Serour, G I; Dickens, B M

2004-05-01

This article presents findings and recommendations of an international conference held in Cairo, Egypt in 2003 concerning issues of ethical practice in how information is provided to and by medical practitioners. Professional advertising to practitioners and the public is necessary, but should exclude misrepresentation of qualifications, resources, and authorship of research papers. Medical institutions are responsible for how staff members present themselves, and their institutions. Medical associations, both governmental licensing authorities and voluntary societies, have powers and responsibilities to monitor professional advertisement to defend the public interest against deception. Medical journals bear duties to ensure authenticity of authorship and integrity in published papers, and the scientific basis of commercial advertisers' claims. A mounting concern is authors' conflict of interest. Mass newsmedia must ensure accuracy and proportionality in reporting scientific developments, and product manufacturers must observe truth in advertising, particularly in Direct-to-Consumer advertising. Consumer protection by government agencies is a continuing responsibility.

The Step Method - Battling Identity Theft Using E-Retailers' Websites

NASA Astrophysics Data System (ADS)

Schulze, Marion; Shah, Mahmood H.

Identity theft is the fastest growing crime in the 21st century. This paper investigates firstly what well-known e-commerce organizations are communicating on their websites to address this issue. For this purpose we analyze secondary data (literature and websites of ten organizations). Secondly we investigate the good practice in this area and recommend practical steps. The key findings are that some organizations only publish minimum security information to comply with legal requirements. Others inform consumers on how they actively try to prevent identity theft, how consumers can protect themselves, and about supporting actions when identity theft related fraud actually happens. From these findings we developed the Support - Trust - Empowerment -Prevention (STEP) method. It is aimed at helping to prevent identity theft and dealing with consequences when it occurs. It can help organizations on gaining and keeping consumers’ trust which is so essential for e-retailers in a climate of rising fraud.

Ethnic differences in risk from mercury among Savannah River fishermen.

PubMed

Burger, J; Gaines, K F; Gochfeld, M

2001-06-01

Fishing plays an important role in people's lives and contaminant levels in fish are a public health concern. Many states have issued consumption advisories; South Carolina and Georgia have issued them for the Savannah River based on mercury and radionuclide levels. This study examined ethnic differences in risk from mercury exposure among people consuming fish from the Savannah River, based on site-specific consumption patterns and analysis of mercury in fish. Among fish, there were significant interspecies differences in mercury levels, and there were ethnic differences in consumption patterns. Two methods of examining risk are presented: (1) Hazard Index (HI), and (2) estimates of how much and how often people of different body mass can consume different species of fish. Blacks consumed more fish and had higher HIs than Whites. Even at the median consumption, the HI for Blacks exceeded 1.0 for bass and bowfin, and, at the 75th percentile of consumption, the HI exceeded 1.0 for almost all species. At the White male median consumption, noHI exceeded 1, but for the 95th percentile consumer, the HI exceeded 1.0 almost regardless of which species were eaten. Although females consumed about two thirds the quantity of males, HIs exceeded 1 for most Black females and for White females at or above the 75th percentile of consumption. Thus, close to half of the Black fishermen were eating enough Savannah River fish to exceed HI = 1. Caution must be used in evaluating an HI because the RfDs were developed to protect the most vulnerable individuals. The percentage of each fish species tested that exceeded the maximum permitted limits of mercury in fish was also examined. Over 80% of bowfin, 38% of bass, and 21% of pickerel sampled exceeded 0.5 ppm. The risk methodology is applicable anywhere that comparable data can be obtained. The risk estimates are representative for fishermen along the Savannah River, and are not necessarily for the general populations.

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-26

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

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

PubMed

Todt, Oliver; Luján, José Luis

2016-06-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-06

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

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

THOMAS, 113th Congress

Sen. Vitter, David [R-LA

2013-11-07

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

Personal Privacy in an Information Society: What are the Trade-Offs? Insights into Consumer Issues.

ERIC Educational Resources Information Center

J.C. Penney Co., Inc., New York, NY.

Insights into Consumer Issues is one of a group of educational publications and teaching units that J.C. Penney provides for consumer educators as a public service. This folder illustrates that although computerized processing of personal information has brought considerable convenience, the potential risk to personal privacy is of increasing…

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

PubMed

1998-01-01

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

Consumer confidence in the safety of food and newspaper coverage of food safety issues: a longitudinal perspective.

PubMed

de Jonge, Janneke; Van Trijp, Hans; Renes, Reint Jan; Frewer, Lynn J

2010-01-01

This study develops a longitudinal perspective on consumer confidence in the safety of food to explore if, how, and why consumer confidence changes over time. In the first study, a theory-based monitoring instrument for consumer confidence in the safety of food was developed and validated. The monitoring instrument assesses consumer confidence together with its determinants. Model and measurement invariance were validated rigorously before developments in consumer confidence in the safety of food and its determinants were investigated over time. The results from the longitudinal analysis show that across four waves of annual data collection (2003-2006), the framework was stable and that the relative importance of the determinants of confidence was, generally, constant over time. Some changes were observed regarding the mean ratings on the latent constructs. The second study explored how newspaper coverage of food safety related issues affects consumer confidence in the safety of food through subjective consumer recall of food safety incidents. The results show that the newspaper coverage on food safety issues is positively associated with consumer recall of food safety incidents, both in terms of intensity and recency of media coverage.

Deep Space Storm Shelter Simulation Study

NASA Technical Reports Server (NTRS)

Dugan, Kathryn; Phojanamongkolkij, Nipa; Cerro, Jeffrey; Simon, Matthew

2015-01-01

Missions outside of Earth's magnetic field are impeded by the presence of radiation from galactic cosmic rays and solar particle events. To overcome this issue, NASA's Advanced Exploration Systems Radiation Works Storm Shelter (RadWorks) has been studying different radiation protective habitats to shield against the onset of solar particle event radiation. These habitats have the capability of protecting occupants by utilizing available materials such as food, water, brine, human waste, trash, and non-consumables to build short-term shelters. Protection comes from building a barrier with the materials that dampens the impact of the radiation on astronauts. The goal of this study is to develop a discrete event simulation, modeling a solar particle event and the building of a protective shelter. The main hallway location within a larger habitat similar to the International Space Station (ISS) is analyzed. The outputs from this model are: 1) the total area covered on the shelter by the different materials, 2) the amount of radiation the crew members receive, and 3) the amount of time for setting up the habitat during specific points in a mission given an event occurs.

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

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-28

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

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

PubMed

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

2015-01-01

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

Linking Consumer Rights with Citizen Roles: An Opportunity for Consumer Educators.

ERIC Educational Resources Information Center

Stevens, Georgia L.

1994-01-01

Consumer educators can help students develop consumer/citizen roles through curricula linking consumer rights with citizen responsibilities. Dialogue about issues, community needs assessment, and community volunteer service enable students to practice citizen roles. (SK)

Online shopping interface components: relative importance as peripheral and central cues.

PubMed

Warden, Clyde A; Wu, Wann-Yih; Tsai, Dungchun

2006-06-01

The Elaboration Likelihood Model (ELM) uses central (more thoughtful) and peripheral (less thoughtful) routes of persuasion to maximize communication effectiveness. This research implements ELM to investigate the relative importance of different aspects of the user experience in online shopping. Of all the issues surrounding online shopping, convenience, access to information, and trust were found to be the most important. These were implemented in an online conjoint shopping task. Respondents were found to use the central route of the ELM on marketing messages that involved issues of minimizing travel, information access, and assurances of system security. Users employed the peripheral ELM route when considering usability, price comparison, and personal information protection. A descriptive model of Web-based marketing components, their roles in the central and peripheral routes, and their relative importance to online consumer segments was developed.

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

PubMed

Nevers, A H

2000-01-01

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

Tourism as a driver of conflicts and changes in fisheries value chains in Marine Protected Areas.

PubMed

Lopes, P F M; Mendes, L; Fonseca, V; Villasante, S

2017-09-15

Although critical tools for protecting ocean habitats, Marine Protected Areas (MPAs) are sometimes challenged for social impacts and conflicts they may generate. Some conflicts have an economic base, which, once understood, can be used to resolve associated socioenvironmental problems. We addressed how the fish trade in an MPA that combines no-take zones and tourist or resident zones creates incentives for increased fisheries. We performed a value chain analysis following the fish supply and trade through interviews that assessed consumer demand and preference. The results showed a simple and closed value chain driven by tourism (70% of the consumption). Both tourists and local consumers preferred high trophic level species (predators), but the former preferred large pelagics (tuna and dolphinfish) and the latter preferred reef species (barracuda and snapper). Pelagic predators are caught with fresh sardines, which are sometimes located only in the no-take zone. Pelagic species are mainly served as fillet, and the leftover fish parts end up as waste, an issue that, if properly addressed, can help reduce fishing pressure. Whereas some of the target species may be sustainable (e.g., dolphinfish), others are more vulnerable (e.g., wahoo) and should not be intensively fished. We advise setting stricter limits to the number of tourists visiting MPAs, according to their own capacity and peculiarities, in order to avoid conflicts with conservations goals through incentives for increased resource use. Copyright © 2017 Elsevier Ltd. All rights reserved.

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

ERIC Educational Resources Information Center

Field, Kelly

2009-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-11

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-11

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

[Light protection: principles of UV protection].

PubMed

Stege, H; Mang, R

2006-05-01

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

78 FR 28204 - Agency Information Collection Activities; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-14

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

Digital health now and in the future: Findings from a participatory design stakeholder workshop

PubMed Central

2017-01-01

Objectives While digital health technologies hold potential for improving healthcare and the generation and dissemination of health information, there are many issues to be resolved in facilitating their provision and efficacy and ensuring ethical management of personal health data. In the face of high-stakes digital health initiatives, debates and controversies, eliciting the views and experiences of the diverse constituents in the digital health ecosystem is important. Methods A digital health stakeholder workshop was held in Canberra, Australia, to address two key questions: 1) What is currently working and not working in digital health? and 2) Where should digital health go in the future? As part of a living lab approach, the 25 workshop participants from research, industry, patient and other healthcare consumer groups and government, engaged in participatory design activities directed at stimulating ideas and discussion. The design artefacts and videos generated during the workshop were thematically analysed. Results Digital health technologies offer valuable ways for healthcare consumers, providers, community groups and health industries to create and share information about health, medicine and healthcare. However, members of some social groups are currently excluded from full participation in the digital health ecosystem. Mechanisms for facilitating further consultation between the various stakeholders involved in digital health, including patients and carers, need to be established. The rights and responsibilities of the different stakeholders involved in connected digital health also need to be better identified and highlighted. At the same time, personal data privacy and security need protection. Conclusion Establishing the effective and responsible delivery of digital health technologies and collection, protection and sharing of health data is highly complex. Infrastructure, ethical and social issues need to be considered. PMID:29942616

The Structural Features of Sports and Race Betting Inducements: Issues for Harm Minimisation and Consumer Protection.

PubMed

Hing, Nerilee; Sproston, Kerry; Brook, Kate; Brading, Richard

2017-06-01

Minimal research has been published about inducements for sports and race betting, despite their ready availability and aggressive advertising. This paper aimed to document the range and structural features of these inducements, and analyse their alignment with the harm minimisation and consumer protection goals of responsible gambling. A scan of all inducements offered on the websites of 30 major race and sports betting brands located 223 separate inducements which we categorised into 15 generic types, all offering financial incentives to purchase. These comprised sign-up offers, refer-a-friend offers, happy hours, mobile betting bonuses, multi-bet offers, refund/stake-back offers, matching stakes/deposits, winnings paid for 'close calls', bonus or better odds, bonus or better winnings, competitions, reduced commission, free bets to selected punters, cash rebates and other free bets. All inducements were subject to numerous terms and conditions which were complex, difficult to find, and obscured by legalistic language. Play-through conditions of bonus bets were particularly difficult to interpret and failed basic requirements for informed choice. Website advertisements for inducements were prominently promoted but few contained a responsible gambling message. The results were analysed to generate 12 research propositions considered worthy of empirical research to inform much needed regulatory reform in this area.

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

ERIC Educational Resources Information Center

Minnesota Council on Economic Education, Minneapolis.

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

5 CFR 582.401 - Aggregate disposable earnings.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

17 CFR 160.17 - Relation to state laws.

Code of Federal Regulations, 2010 CFR

2010-04-01

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

Professional Certification in Counseling Psychology.

ERIC Educational Resources Information Center

Fretz, Bruce R.; And Others

1980-01-01

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

Potential Research and Development Synergies between Life support and Planetary protection

NASA Astrophysics Data System (ADS)

Lasseur, Ch.; Kminek, G.; Mergeay, M.

Long term manned missions of our Russian colleagues have demonstrated the risks associated with microbial contamination These risks concern both crew health via the metabolic consumables contamination water air but and also the hardware degradation Over the last six years ESA and IBMP have developed a collaboration to elaborate and document these microbial contamination issues The collaboration involved the mutual exchanges of knowledge as well as microbial samples and leads up to the microbial survey of the Russian module of the ISS Based on these results and in addition to an external expert report commissioned by ESA the agency initiated the development of a rapid and automated microbial detection and identification tool for use in future space missions In parallel to these developments and via several international meetings planetary protection experts have agreed to place clear specification of the microbial quality of future hardware landing on virgin planets as well as elaborate the preliminary requirements of contamination for manned missions on surface For these activities its is necessary to have a better understanding of microbial activity to create culture collection and to develop on-line detection tools Within this paper we present more deeply the life support activities related to microbial issues we identify some potential synergies with Planetary protection developments and we propose some pathway for collaboration between these two communities

Citizens' role in health services: satisfaction behavior: Kano's model, Part 1.

PubMed

Corbella Jané, Antoni; Maturana Domínguez, Salvador

2003-01-01

When it comes to consumer satisfaction, there is a lack of consensus over the importance of the role of consumers in connection with the quality of services. Widely different points of view exist, ranging from a defense of consumer satisfaction as the ultimate measure of service quality, to its treatment as a commercial issue or as one that merely has to do with image. This first article (part 1 of 2, also in this issue) describes and illustrates Kano's explicative model of how consumer satisfaction behaves and briefly analyzes the main characteristics, advantages, and limitations of the different methods used to assess consumer satisfaction.

Food biotechnology: benefits and concerns.

PubMed

Falk, Michael C; Chassy, Bruce M; Harlander, Susan K; Hoban, Thomas J; McGloughlin, Martina N; Akhlaghi, Amin R

2002-06-01

Recent advances in agricultural biotechnology have highlighted the need for experimental evidence and sound scientific judgment to assess the benefits and risks to society. Nutrition scientists and other animal biologists need a balanced understanding of the issues to participate in this assessment. To date most modifications to crop plants have benefited producers. Crops have been engineered to decrease pesticide and herbicide usage, protect against stressors, enhance yields and extend shelf life. Beyond the environmental benefits of decreased pesticide and herbicide application, consumers stand to benefit by development of food crops with increased nutritional value, medicinal properties, enhanced taste and esthetic appeal. There remains concern that these benefits come with a cost to the environment or increased risk to the consumer. Most U.S. consumers are not aware of the extent that genetically modified foods have entered the marketplace. Consumer awareness of biotechnology seems to have increased over the last decade, yet most consumers remain confused over the science. Concern over the impact on the safety of the food supply remains low in the United States, but is substantially elevated in Europe. Before a genetically engineered crop is introduced into commerce it must pass regulatory scrutiny by as many as four different federal regulatory bodies to ensure a safe food supply and minimize the risk to the environment. Key areas for more research are evaluation of the nutritional benefits of new crops, further investigation of the environmental impact, and development of better techniques to identify and track genetically engineered products.

Consumers Are Ready to Accept the Transition to Online and Electronic Records If They Can Be Assured of the Security Measures

PubMed Central

Chhanabhai, Prajesh; Holt, Alec

2007-01-01

Background Healthcare has entered the electronic domain. This domain has improved data collection and storage abilities while allowing almost instantaneous access and results to data queries. Furthermore, it allows direct communication between healthcare providers and health consumers. The development of privacy, confidentiality, and security principles are necessary to protect consumers' interests against inappropriate access. Studies have shown that the health consumer is the important stakeholder in this process. With the international push toward electronic health records (EHRs), this article presents the importance of secure EHR systems from the public's perspective. Objective To examine the public's perception of the security of electronic systems and report on how their perceptions can shape the building of stronger systems. Methods A cross-sectional survey (September-November 2005) of people attending healthcare providers (n = 400) was conducted in the 4 major cities in New Zealand. Participants were surveyed on computer use, knowledge of EHR-proposed benefits and issues, security issues, and demographics. Results A total of 300 surveys were completed and returned (a 75% response rate), with 180 (60%) being women. One hundred eighty-eight (62.6%) had not heard of EHRs, with those who had heard of them indicating that they were a positive innovation in the health sector. However, 202 (73.3%) participants were highly concerned about the security and privacy of their health records. This feeling was further accentuated when participants were asked about security of electronic systems. Participants were worried about hackers (79.4%), vendor access (72.7%), and malicious software (68%). Participants were also introduced to various security systems, and in each case, over 80% of participants believed that these would make EHR systems more secure. A number of chi-square tests were carried out with each variable, and it was found that there were strong relationships between age, location, computer use, EHR knowledge, and the concern for privacy and the security of medical records (P < .05). The survey also showed that there was a very small difference (9.8%) between health consumers who believed that paper records are more secure than EHRs and those who believed otherwise. Conclusions The findings showed that for the EHR to be fully integrating in the health sector, there are 2 main issues that need to be addressed: The security of the EHR system has to be of the highest level, and needs to be constantly monitored and updated.The involvement of the health consumer in the ownership and maintenance of their health record needs to be more proactive. The EHR aims to collect information to allow for “cradle to the grave” treatment; thus, the health consumer has to be seen as a major player in ensuring that this can happen correctly. The results from this study indicated that the consumer is ready to accept the transition, as long as one can be assured of the security of the system. PMID:17435617

Consumers are ready to accept the transition to online and electronic records if they can be assured of the security measures.

PubMed

Chhanabhai, Prajesh; Holt, Alec

2007-01-11

Healthcare has entered the electronic domain. This domain has improved data collection and storage abilities while allowing almost instantaneous access and results to data queries. Furthermore, it allows direct communication between healthcare providers and health consumers. The development of privacy, confidentiality, and security principles are necessary to protect consumers' interests against inappropriate access. Studies have shown that the health consumer is the important stakeholder in this process. With the international push toward electronic health records (EHRs), this article presents the importance of secure EHR systems from the public's perspective. To examine the public's perception of the security of electronic systems and report on how their perceptions can shape the building of stronger systems. A cross-sectional survey (September-November 2005) of people attending healthcare providers (n = 400) was conducted in the 4 major cities in New Zealand. Participants were surveyed on computer use, knowledge of EHR-proposed benefits and issues, security issues, and demographics. A total of 300 surveys were completed and returned (a 75% response rate), with 180 (60%) being women. One hundred eighty-eight (62.6%) had not heard of EHRs, with those who had heard of them indicating that they were a positive innovation in the health sector. However, 202 (73.3%) participants were highly concerned about the security and privacy of their health records. This feeling was further accentuated when participants were asked about security of electronic systems. Participants were worried about hackers (79.4%), vendor access (72.7%), and malicious software (68%). Participants were also introduced to various security systems, and in each case, over 80% of participants believed that these would make EHR systems more secure. A number of chi-square tests were carried out with each variable, and it was found that there were strong relationships between age, location, computer use, EHR knowledge, and the concern for privacy and the security of medical records (P < .05). The survey also showed that there was a very small difference (9.8%) between health consumers who believed that paper records are more secure than EHRs and those who believed otherwise. The findings showed that for the EHR to be fully integrating in the health sector, there are 2 main issues that need to be addressed: The security of the EHR system has to be of the highest level, and needs to be constantly monitored and updated. The involvement of the health consumer in the ownership and maintenance of their health record needs to be more proactive. The EHR aims to collect information to allow for "cradle to the grave" treatment; thus, the health consumer has to be seen as a major player in ensuring that this can happen correctly. The results from this study indicated that the consumer is ready to accept the transition, as long as one can be assured of the security of the system.

Barriers to vocational effectiveness in ACT: staff perspectives.

PubMed

Waynor, William R; Pratt, Carlos W

2011-01-01

Assertive community treatment (ACT), for persons with serious mental illness, includes a vocational focus as an important aspect of community integration. Nevertheless, research suggests that ACT does not assist significant numbers of consumers in achieving employment goals. A two-step survey of New Jersey ACT team members was designed to identify the key issues that hinder ACT staff members in assisting consumers with obtaining employment. Survey items were categorized into three sections: (a) staff attitudes, (b) consumer barriers, and (c) staff barriers to working on employment. The initial survey asked staff members to rate items in each of these categories. Highly rated items were used in a subsequent paired comparison survey to determine the relative importance of each. This method highlighted the following issues: four staff attitude items-(a) returning to work is positive, (b) employment is key to recovery, (c) abstinence from substance abuse is needed to work, and (d) consumers are too ill to work; four consumer barrier items-(a) fear of loss of Social Security Administration benefits, (b) symptoms related to the illness, (c) lack of motivation, and (d) poor social skills; and three barriers to working on employment issues items-(a) clinical issues take priority, (b) other case management issues takes priority, and (c) too many emergencies. The implications for staff training are discussed.

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

ERIC Educational Resources Information Center

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

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

The impact of the Consumer Protection Act on pharmacists.

PubMed

du Toit, K; van Eeden, E

2014-11-01

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

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

ERIC Educational Resources Information Center

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

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

12 CFR 40.17 - Relation to State laws.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

The Role of Accreditation in Consumer Protection.

ERIC Educational Resources Information Center

Warner, W. Keith; Andersen, Kay J.

1982-01-01

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

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

DOT National Transportation Integrated Search

2001-03-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-29

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

75 FR 4819 - Consumer Advisory Committee

Federal Register 2010, 2011, 2012, 2013, 2014

2010-01-29

... FEDERAL COMMUNICATIONS COMMISSION [DA 10-121] Consumer Advisory Committee AGENCY: Federal... its Consumer Advisory Committee (``Committee''). The purpose of the Committee is to make recommendations to the Commission regarding consumer issues within the jurisdiction of the Commission and to...

75 FR 41863 - Consumer Advisory Committee

Federal Register 2010, 2011, 2012, 2013, 2014

2010-07-19

... FEDERAL COMMUNICATIONS COMMISSION [DA 10-1262] Consumer Advisory Committee AGENCY: Federal... its Consumer Advisory Committee (``Committee''). The purpose of the Committee is to make recommendations to the Commission regarding consumer issues within the jurisdiction of the Commission and to...

75 FR 63830 - Consumer Advisory Committee

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-18

... FEDERAL COMMUNICATIONS COMMISSION [DA 10-1937] Consumer Advisory Committee AGENCY: Federal... its Consumer Advisory Committee (``Committee''). The purpose of the Committee is to make recommendations to the Commission regarding consumer issues within the jurisdiction of the Commission and to...

75 FR 33305 - Consumer Advisory Committee

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-11

... FEDERAL COMMUNICATIONS COMMISSION [DA 10-1032] Consumer Advisory Committee AGENCY: Federal... its Consumer Advisory Committee (``Committee''). The purpose of the Committee is to make recommendations to the Commission regarding consumer issues within the jurisdiction of the Commission and to...

Are we reaching the target audience? Evaluation of a fish fact sheet.

PubMed

Burger, J; Waishwell, L

2001-09-28

According to the US Environmental Protection Agency, over 16% of freshwater lakes and 7% of the rivers are under some sort of fish consumption advisory because of the presence of toxic chemicals. There is considerable interest in the issuing of information, advisories, and fact sheets concerning the consumption of wild-caught fish from contaminated waters, and in the actual consumption patterns of subsistence and recreational anglers. Despite the large number of consumption advisories issued by state agencies, there is little information on how these advisories, or other forms of risk communication, are perceived by target audiences, notably fishermen and women of child-bearing age. The states of South Carolina and Georgia issue consumption advisories for fish from the Savannah River, among other sites. To gain a greater insight into the perception of anglers about a supplemental fish fact sheet jointly developed by South Carolina, Georgia, federal agencies, and the Consortium for Risk Evaluation with Stakeholder Participation, we interviewed fisherman along the Savannah River. The objectives were to determine: (1) whether they had previously read the Fish Fact Sheet or had heard about the consumption advisories; (2) what major message they obtained from the sheet; (3) who they felt the fact sheet was aimed at, and who should get the Fish Fact Sheet; (4) who should be concerned about health risks from consuming the fish; and (5) the best method of disseminating such information. We interviewed 92 fishermen (37% black, 62% white) during the fishing season of 1999. Half had heard some information about consumption advisories, mainly from the media (64%). The study concluded that there were no ethnic differences in whether they had heard about the advisories, understood the major message of the fact sheet, felt they could reduce their risk from consuming the fish, or felt that it made a difference which agency issued the fact sheet. There were significant ethnic differences in the ways people thought the risk from eating fish could be reduced, sources of information about the risks from consuming fish, and what other information they would like about the risks associated with contaminated fish.

Market Analysis and Consumer Impacts Source Document. Part III. Consumer Behavior and Attitudes Toward Fuel Efficient Vehicles

DOT National Transportation Integrated Search

1980-12-01

This source document on motor vehicle market analysis and consumer impacts consists of three parts. Part III consists of studies and reviews on: consumer awareness of fuel efficiency issues; consumer acceptance of fuel efficient vehicles; car size ch...

Current ethical and legal issues in health-related direct-to-consumer genetic testing.

PubMed

Niemiec, Emilia; Kalokairinou, Louiza; Howard, Heidi Carmen

2017-09-01

A variety of health-related genetic testing is currently advertized directly to consumers. This article provides a timely overview of direct-to-consumer genetic testing (DTC GT) and salient ethical issues, as well as an analysis of the impact of the recently adopted regulation on in vitro diagnostic medical devices on DTC GT. DTC GT companies currently employ new testing approaches, report on a wide spectrum of conditions and target new groups of consumers. Such activities raise ethical issues including the questionable analytic and clinical validity of tests, the adequacy of informed consent, potentially misleading advertizing, testing in children, research uses and commercialization of genomic data. The recently adopted regulation on in vitro diagnostic medical devices may limit the offers of predisposition DTC GT in the EU market.

75 FR 62718 - Disclosure for Asset-Backed Securities Required by Section 943 of the Dodd-Frank Wall Street...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-13

...Pursuant to Section 943 of the Dodd-Frank Wall Street Reform and Consumer Protection Act \\1\\ we are proposing rules related to representations and warranties in asset-backed securities offerings. Our proposals would require securitizers of asset-backed securities to disclose fulfilled and unfulfilled repurchase requests across all transactions. Our proposals would also require nationally recognized statistical rating organizations to include information regarding the representations, warranties and enforcement mechanisms available to investors in an asset-backed securities offering in any report accompanying a credit rating issued in connection with such offerings, including a preliminary credit rating. ---------------------------------------------------------------------------

12 CFR 716.17 - Relation to state laws.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

28 CFR 25.51 - Purpose and authority.

Code of Federal Regulations, 2010 CFR

2010-07-01

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

Consumerism: The Past is Prologue

ERIC Educational Resources Information Center

Herrmann, Robert O.

1973-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-11

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

The Consumer Protection Clinical Course at UCLA School of Law

ERIC Educational Resources Information Center

Bergman, Paul

1978-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-15

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

5 CFR 9401.102 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

77 FR 77187 - Electronic Fund Transfers (Regulation E)

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-31

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

78 FR 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.

76 FR 56454 - Consumer Advisory Committee Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-13

... FEDERAL COMMUNICATIONS COMMISSION [DA 11-1493] Consumer Advisory Committee Meeting AGENCY: Federal... its Consumer Advisory Committee (Committee). The purpose of the Committee is to make recommendations to the Commission regarding consumer issues within the jurisdiction of the Commission and to...

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

ERIC Educational Resources Information Center

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

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

Impact of Past Land Use Changes on Drinking Water Quantity and Quality in Ljubljana Aquifer

NASA Astrophysics Data System (ADS)

Bracic Zeleznik, Branka; Cencur Curk, Barbara

2010-05-01

Most of the practical problems that we face today with the on-site management of drinking water sources and distribution of healthy drinking water, originate from past actions, interventions and political decisions. In Ljubljana, the capital of the Republic of Slovenia, underlying groundwater is the main drinking water source. The main threat to drinking water sources is constant input of pollutant loads from roads, roofs, sewers, industry and agricultural areas. The main problems are directly and indirectly related to the significant decrease of groundwater level and deterioration of groundwater quality observed in the last decades as an effect of land use practices under varying climate conditions. The Vodovod-Kanalizacija Public Utility is responsible for water supply of the city residents as well as for management of the water supply system, its surveillance and maintenance. In the past, the Ljubljana Municipality was responsible for the protection of water resources and the first delineation of groundwater protection areas was issued in Decree in 1955. In 2004 a Decree on the water protection zones for the aquifer of Ljubljansko polje on the state level was issued and passed the competences of proclamation of the water protection zones to the state. Spatial planning is a domain of The Municipality and land use is limited according to water protection legislation. For several observation wells long-time data sets about groundwater levels and quality are available, which enable us to analyse changes in groundwater quantity and quality parameters. From the data it is obvious that climate variations are affecting groundwater recharge. In addition, changing of land use affects groundwater quality. In spite of the Decree on the water protection there is a heavy pressure of investors to change land use plans and regulations on protection zones, which causes every day problems in managing the drinking water source. Groundwater management in Ljubljana demands strong and effective co-operation between state, municipality, public water supply company and consumers.

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

ERIC Educational Resources Information Center

Gardner, Stephen

2002-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR Appendix A to Part 343 - Consumer Grievance Process

Code of Federal Regulations, 2011 CFR

2011-01-01

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

14 CFR 374.1 - Purpose.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-18

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

12 CFR 216.17 - Relation to State laws.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-27

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

Registered Charitable Organizations and Paid Solicitors

Science.gov Websites

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-14

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

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

PubMed

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

2007-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-14

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-13

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

16 CFR 1204.4 - Electric shock protection tests.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-09-18

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

75 FR 80367 - Share Insurance and Appendix

Federal Register 2010, 2011, 2012, 2013, 2014

2010-12-22

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

Accountable Care Organizations and Antitrust Enforcement: Promoting Competition and Innovation.

PubMed

Feinstein, Deborah L; Kuhlmann, Patrick; Mucchetti, Peter J

2015-08-01

The antitrust laws stand to protect consumers of health care services from conduct that would raise prices, lower quality, and decrease innovation by lessening competition. Importantly, though, vigorous antitrust enforcement does not impede accountable care organizations (ACOs) and similar collaborations that advance these same goals of better and more efficient care; in fact, by fostering competitive markets, the antitrust laws encourage such initiatives. This article summarizes the legal framework that the federal antitrust agencies - the Federal Trade Commission and the Antitrust Division of the US Department of Justice - use to analyze ACOs and other collaborations among health care providers. It outlines the guidance provided by the federal antitrust agencies concerning when ACOs and other provider collaborations likely would harm competition and consumers. In addition, it reviews common antitrust issues that can arise with ACOs and provides examples of enforcement actions that have prevented health care providers from taking or continuing anticompetitive actions. Copyright © 2015 by Duke University Press.

The Interface Among Poverty, Air Mattress Industry Trends, Policy, and Infant Safety.

PubMed

Doering, Jennifer J; Salm Ward, Trina C

2017-06-01

Infants can suffocate on air mattresses, even when the mattress is fully inflated. The interfacing issues of poverty, the bedbug epidemic, and changes in the design and marketing of air mattresses may be increasing consumer use of air mattresses as primary sleep environments and thus increasing the potential for infant death. Despite recent changes to improve air mattress safety labeling, the National Child Death Review Case Reporting System found that between 2004 and 2015 across 24 states, an air mattress was the incident sleep place for 108 infants whose deaths were either during sleep or in a sleep environment. At the same time, design components such as inflatable headboards and memory foam pillow tops potentially increase the hazard to infants, and marketing changes represent air mattresses as a preferred low-cost primary sleep environment. Analysis of current data surveillance systems, published position statements, and consumer materials from national organizations and federal agencies reveal opportunities for changing policy to better protect infants from this hazard.

47 CFR 0.91 - Functions of the Bureau.

Code of Federal Regulations, 2014 CFR

2014-10-01

... matters. Assist the Consumer and Governmental Affairs Bureau on issues involving informal consumer complaints and other general inquiries by consumers. (l) Review and coordinate orders, programs and actions...

47 CFR 0.91 - Functions of the Bureau.

Code of Federal Regulations, 2013 CFR

2013-10-01

... matters. Assist the Consumer and Governmental Affairs Bureau on issues involving informal consumer complaints and other general inquiries by consumers. (l) Review and coordinate orders, programs and actions...

Consumer Issues and Action--One of a Series in Expanded Programs of Consumer Education.

ERIC Educational Resources Information Center

Mendenhall, James E.

This module, one in a series relating to consumer education, is intended as a teaching guide. Topics covered by the guide are: What Should Consumers Know and Do in Order to Get Their Money's Worth?; What Should Consumers Know and Do about Advertising?; What Should Consumers Know and Do about Product Warranties?; What Should Consumers Know and Do…

Law and the Consumer.

ERIC Educational Resources Information Center

Idleman, Hillis K.

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-21

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

47 CFR 0.91 - Functions of the Bureau.

Code of Federal Regulations, 2012 CFR

2012-10-01

... Consumer and Governmental Affairs Bureau on issues involving informal consumer complaints and other general inquiries by consumers. (l) Review and coordinate orders, programs and actions initiated by other Bureaus...

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

PubMed

Seekins, Tom; White, Glen W

2013-01-01

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

Consumer Education: It's a Basic.

ERIC Educational Resources Information Center

NASSP Curriculum Report, 1980

1980-01-01

The report discusses and defines consumer education for high school students, describes various consumer education school programs, annotates available sources and resources, and notes several issues needing attention. Consumer education is defined as an effort to prepare students for participation in the marketplace by imparting the…

16 CFR 1210.11 - General.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT REGULATIONS SAFETY STANDARD FOR CIGARETTE LIGHTERS Certification Requirements § 1210.11 General. Section 14(a) of the Consumer Product... product that is subject to a consumer product safety standard and that is distributed in commerce to issue...

American Council on Consumer Interests Annual Conference. Proceedings (32nd, St. Louis, Missouri, April 9-12, 1986).

ERIC Educational Resources Information Center

Schnittgrund, Karen P., Ed.

These proceedings contain the reports of almost 100 speeches, panel discussions, and workshops. The papers were presented on a variety of issues, including marketing research ethics, lifeline banking, information and the consumer, financial management, evaluating consumer education literature, consuming units around the world, the consumer and…

Consumer Health.

ERIC Educational Resources Information Center

Cornacchia, Harold J.

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

12 CFR 1005.6 - Liability of consumer for unauthorized transfers.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

12 CFR Appendix A to Part 14 - Consumer Grievance Process

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR Appendix A to Part 536 - Consumer Grievance Process

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR Appendix A to Part 14 - Consumer Grievance Process

Code of Federal Regulations, 2011 CFR

2011-01-01

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

Journal of Consumer Education, 1983-1992.

ERIC Educational Resources Information Center

Journal of Consumer Education, 1992

1992-01-01

This document consists of all 10 issues of this annual journal issued during the 10 year period 1983-1992. Major articles include the following: "What Should We Teach about Shopping by Mail?" (Cude, Walker); "Family Adaptation to Economic Change" (Krein et al.); "Differences in Teenage Consumer Actions Related to Employment, Sex, and Consumer…

76 FR 12817 - National Consumer Protection Week, 2011

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-09

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

16 CFR 1.71 - Administration.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

THOMAS, 113th Congress

Sen. Collins, Susan M. [R-ME

2014-03-10

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

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

Code of Federal Regulations, 2014 CFR

2014-07-01

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

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

Code of Federal Regulations, 2013 CFR

2013-07-01

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

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

Code of Federal Regulations, 2012 CFR

2012-07-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-30

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2010-07-27

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

76 FR 81019 - Electronic Fund Transfers (Regulation E)

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-27

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

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

Code of Federal Regulations, 2011 CFR

2011-01-01

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

Location-Aware Dynamic Session-Key Management for Grid-Based Wireless Sensor Networks

PubMed Central

Chen, Chin-Ling; Lin, I-Hsien

2010-01-01

Security is a critical issue for sensor networks used in hostile environments. When wireless sensor nodes in a wireless sensor network are distributed in an insecure hostile environment, the sensor nodes must be protected: a secret key must be used to protect the nodes transmitting messages. If the nodes are not protected and become compromised, many types of attacks against the network may result. Such is the case with existing schemes, which are vulnerable to attacks because they mostly provide a hop-by-hop paradigm, which is insufficient to defend against known attacks. We propose a location-aware dynamic session-key management protocol for grid-based wireless sensor networks. The proposed protocol improves the security of a secret key. The proposed scheme also includes a key that is dynamically updated. This dynamic update can lower the probability of the key being guessed correctly. Thus currently known attacks can be defended. By utilizing the local information, the proposed scheme can also limit the flooding region in order to reduce the energy that is consumed in discovering routing paths. PMID:22163606

Location-aware dynamic session-key management for grid-based Wireless Sensor Networks.

PubMed

Chen, Chin-Ling; Lin, I-Hsien

2010-01-01

Security is a critical issue for sensor networks used in hostile environments. When wireless sensor nodes in a wireless sensor network are distributed in an insecure hostile environment, the sensor nodes must be protected: a secret key must be used to protect the nodes transmitting messages. If the nodes are not protected and become compromised, many types of attacks against the network may result. Such is the case with existing schemes, which are vulnerable to attacks because they mostly provide a hop-by-hop paradigm, which is insufficient to defend against known attacks. We propose a location-aware dynamic session-key management protocol for grid-based wireless sensor networks. The proposed protocol improves the security of a secret key. The proposed scheme also includes a key that is dynamically updated. This dynamic update can lower the probability of the key being guessed correctly. Thus currently known attacks can be defended. By utilizing the local information, the proposed scheme can also limit the flooding region in order to reduce the energy that is consumed in discovering routing paths.

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

PubMed

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

2016-01-01

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

Activating the Consumer about Pregnancy and Childbirth.

ERIC Educational Resources Information Center

James, Gordon B.

1980-01-01

A variety of consumer issues involved in education about pregnancy and childbirth are outlined for inclusion in health education programs. They include consumer concern prior to and during pregnancy, and surrounding childbirth. (JMF)

Gloves-off Consumer Economics.

ERIC Educational Resources Information Center

McGowan, Daniel A.

1992-01-01

The evolution of the consumer economics course at Hobart and William Smith College demonstrates its mainstreaming in the liberal arts curriculum. The course uses principles of economics to address broad and often controversial consumer issues. (SK)

12 CFR 1005.6 - Liability of consumer for unauthorized transfers.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-01-27

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

14 CFR 259.7 - Response to consumer problems.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-14

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

A Consumer's Guide to the Federal Trade Commission.

ERIC Educational Resources Information Center

Williams, Elizabeth

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

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

ERIC Educational Resources Information Center

MacKenzie, Louise; Smith, Alice

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

12 CFR 561.12 - Consumer credit.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-29

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

12 CFR 1005.6 - Liability of consumer for unauthorized transfers.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

Medicine beyond borders: the legal and ethical challenges.

PubMed

Kassim, Puteri Nemie J

2009-09-01

The ease and affordability of international travel has contributed to the rapid growth of the healthcare industry where people from all around the world are traveling to other countries to obtain medical, dental, and surgical care while at the same time touring, vacationing and fully experiencing the attractions of the countries that they are visiting. A combination of many factors has led to the recent increase in popularity of medical tourism such as exorbitant costs of healthcare in industrialized nations, favorable currency exchange rates in the global economy, rapidly improving technology in many countries of the world and most importantly proven safety of healthcare in selected foreign nations. Nevertheless, the development of medical tourism has certainly awakened many ethical and legal issues, which must be addressed. Issues pertaining to malpractice, consumer protection, organ trafficking, alternative medicine and telemedicine need comprehensive legal regulatory framework to govern them. Ethical issues are also been raised by the promotion of medical tourism in particular those pertaining to doctor and patient relationship. A future, where medical law is subsumed into various legal and ethical dimensions, poses serious challenges for the practice and ethics of medicine.

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

PubMed Central

Benrubi, Isidore Daniel

2013-01-01

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

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

PubMed

Jones, Marian Moser; Benrubi, Isidore Daniel

2013-05-01

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

900 Numbers: A Controversial Industry.

ERIC Educational Resources Information Center

Galvez, Nancy D.

1992-01-01

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

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

PubMed

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

2012-01-01

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

Computer Technologies and Consumer Information. Interactive Videotex Systems. Report by the Committee on Consumer Policy.

ERIC Educational Resources Information Center

Organisation for Economic Cooperation and Development, Paris (France).

This report focuses on the consumer information potential of computerized telecommunication systems, their possible advantages and drawbacks for the consumer, and the new policy issues created by the new medium, i.e., the possible economic, social, and legal implications for consumers. Topics addressed include the main features of the new…

Let the consumer decide? The regulation of commercial genetic testing

PubMed Central

Levitt, D. M.

2001-01-01

Objectives—The development of predictive genetic tests provides a new area where consumers can gain knowledge of their health status and commercial opportunities. "Over-the-counter" or mail order genetic tests are most likely to provide information on carrier status or the risk of developing a multifactorial disease. The paper considers the social and ethical implications of individuals purchasing genetic tests and whether genetic information is different from other types of health information which individuals can obtain for themselves. Design—The discussion is illustrated by findings from a questionnaire survey of university students as potential consumers. Topics covered included what health tests they had already used, expectations of genetic tests, willingness to pay, who should have access to the results and whether there need to be restrictions on such tests. Sample—Six hundred and fifteen first-year students in the universities of Leuven, Cardiff, Central Lancashire, Vienna and Nijmegen studying either medicine or a non-science subject. Results—Students were enthusiastic about genetic tests and had high expectations of their accuracy and usefulness but most thought they should be available through the health service and a minority thought that some tests, for example for sex selection, should not be available at all. There were few differences in responses by sex or subject of study but some by country. The paper also considers ethical and social issues outside the scope of a questionnaire survey of this type. Conclusion—To address some of these issues the sale of genetic tests to individuals can be made subject to ethical guidelines or codes of practice, for example to protect vulnerable groups, but there are fundamental social and ethical questions which such guidelines cannot address. Key Words: Genetic tests • European • commercialisation PMID:11731604

Let the consumer decide? The regulation of commercial genetic testing.

PubMed

Levitt, D M

2001-12-01

The development of predictive genetic tests provides a new area where consumers can gain knowledge of their health status and commercial opportunities. "Over-the-counter" or mail order genetic tests are most likely to provide information on carrier status or the risk of developing a multifactorial disease. The paper considers the social and ethical implications of individuals purchasing genetic tests and whether genetic information is different from other types of health information which individuals can obtain for themselves. The discussion is illustrated by findings from a questionnaire survey of university students as potential consumers. Topics covered included what health tests they had already used, expectations of genetic tests, willingness to pay, who should have access to the results and whether there need to be restrictions on such tests. SAMPLE-Six hundred and fifteen first-year students in the universities of Leuven, Cardiff, Central Lancashire, Vienna and Nijmegen studying either medicine or a non-science subject. Students were enthusiastic about genetic tests and had high expectations of their accuracy and usefulness but most thought they should be available through the health service and a minority thought that some tests, for example for sex selection, should not be available at all. There were few differences in responses by sex or subject of study but some by country. The paper also considers ethical and social issues outside the scope of a questionnaire survey of this type. To address some of these issues the sale of genetic tests to individuals can be made subject to ethical guidelines or codes of practice, for example to protect vulnerable groups, but there are fundamental social and ethical questions which such guidelines cannot address.

Educational content and health literacy issues in direct-to-consumer advertising of pharmaceuticals.

PubMed

Mackert, Michael; Love, Brad

2011-01-01

Direct-to-consumer (DTC) pharmaceutical advertisements have been analyzed in many ways, but richer conceptualizations of health literacy have been largely absent from this research. With approximately half of U.S. adults struggling to understand health information, it is important to consider consumers' health literacy when analyzing DTC advertisements. This project, framed by the health belief model, analyzed 82 advertisements. Advertisements provided some kinds of educational content (e.g., drugs' medical benefits) but typically failed to offer other useful information (e.g., other strategies for dealing with conditions). Issues likely to be barriers to low health literate consumers, such as nonstandard text formatting, are common.

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

PubMed

Rodwin, M A

1996-01-01

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

The effect on social welfare of a switch of second-generation antihistamines from prescription to over-the-counter status: a microeconomic analysis.

PubMed

Shih, Ya-Chen Tina; Prasad, Manishi; Luce, Bryan R

2002-04-01

The US Food and Drug Administration (FDA) recently held a meeting to determine whether the status of second-generation antihistamines (SGAs) should be switched from prescription (Rx) to over-the-counter (OTC) status. This article provides a conceptual microeconomic framework for addressing issues regarding the impact of such a switch on social welfare. A review of the economic literature on Rx-to-OTC switches was conducted. Relevant articles published in English between 1990 and 2001 were identified through searches of ABI Info, EconLit, PsychInfo, MEDLINE, CANCERLIT, AIDSLINE, and HealthStar, as well as a general Internet search for statements in the press or on the FDA Web site. The search terms used were Rx, prescription, OTC, over-the-counter, second-generation antihistamines, nonsedating antihistamines, first-generation antihistamines, and sedating antihistamines. Microeconomic models focusing on consumer surplus were employed to determine the potential price response and social-welfare implications of a switch of SGAs to OTC status. Unlike the agents involved in previous Rx-to-OTC switches, SGAs are still under patent protection. Economic theory suggests that a firm that is protected by a patent will price aggressively. The market for OTC SGAs is likely to be more elastic due to a lack of insurance coverage for OTC products; hence, drug manufacturers would be likely to charge a lower price if SGAs were sold OTC. However, a lower price does not necessarily guarantee an improvement in social welfare; the net impact is determined by whether the increase in consumer surplus outweighs the deadweight loss (losses of consumer and producer surplus not transferred to other parties). Additionally, the assumption of a price reduction would be called into question if there were inequalities in marginal costs between the Rx and OTC markets. In this situation, the postswitch price might increase or not be reduced significantly. It is uncertain whether granting OTC status to SGAs would be cost saving to society, particularly as these drugs are patent protected. The social-welfare implications of such a switch would depend heavily on pricing strategies and consumer behavior. Further analyses are needed to determine how both factors influence social welfare; only then can the costs and benefits of a switch be understood completely.

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...

Impact of Advertising: Implications for Consumer Education.

ERIC Educational Resources Information Center

Cook, Zena; And Others

This report reviews and analyzes the effects advertising has on consumer choice, national values, and life styles. It is intended to aid consumer educators and others in related fields. The report's focus is on two central issues: consumer sovereignty and patterns of personal, industrial, and national resource allocation. The first of four…

Consumer Education for High School Students. Trends and Issues Alerts.

ERIC Educational Resources Information Center

Kerka, Sandra

Surveys have established that high school students are highly deficient in knowledge regarding basic topics typically covered in consumer education classes, such as economics, personal finance, and consumer rights and responsibilities. The following are among the current trends that have underscored the need for secondary consumer education: the…

12 CFR 1016.4 - Initial privacy notice to consumers required.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

12 CFR Appendix A to Part 536 - Consumer Grievance Process

Code of Federal Regulations, 2013 CFR

2013-01-01

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

12 CFR Appendix A to Part 536 - Consumer Grievance Process

Code of Federal Regulations, 2011 CFR

2011-01-01

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

12 CFR Appendix A to Part 536 - Consumer Grievance Process

Code of Federal Regulations, 2012 CFR

2012-01-01

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

12 CFR Appendix A to Part 536 - Consumer Grievance Process

Code of Federal Regulations, 2014 CFR

2014-01-01

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

National Economic Policies: The Impact on Consumer Welfare. Proceedings of the American Council on Consumer Interests Annual Conference (29th, Kansas City, Missouri, March 16-19, 1983).

ERIC Educational Resources Information Center

Goebel, Karen P., Ed.

These proceedings contain the texts of the papers presented at a conference on consumer interests. Addressed in the first series of concurrent sessions are the following topics: consumers' new economic positions, consumers' choices with respect to price and quality trade-offs, time value in consumption decisions, and consumer information issues.…

Health System Implications of Direct-to-Consumer Personal Genome Testing

PubMed Central

McGuire, Amy L.; Burke, Wylie

2010-01-01

Direct-to-consumer personal genome testing is now widely available to consumers. Proponents argue that knowledge is power but critics worry about consumer safety and potential harms resulting from misinterpretation of test information. In this article, we consider the health system implications of direct-to-consumer personal genome testing, focusing on issues of accountability, both corporate and professional. PMID:21071927

Factors influencing European consumer uptake of personalised nutrition. Results of a qualitative analysis.

PubMed

Stewart-Knox, Barbara; Kuznesof, Sharron; Robinson, Jenny; Rankin, Audrey; Orr, Karen; Duffy, Maresa; Poínhos, Rui; de Almeida, Maria Daniel Vaz; Macready, Anna; Gallagher, Caroline; Berezowska, Aleksandra; Fischer, Arnout R H; Navas-Carretero, Santiago; Riemer, Martina; Traczyk, Iwona; Gjelstad, Ingrid M F; Mavrogianni, Christina; Frewer, Lynn J

2013-07-01

The aim of this research was to explore consumer perceptions of personalised nutrition and to compare these across three different levels of "medicalization": lifestyle assessment (no blood sampling); phenotypic assessment (blood sampling); genomic assessment (blood and buccal sampling). The protocol was developed from two pilot focus groups conducted in the UK. Two focus groups (one comprising only "older" individuals between 30 and 60 years old, the other of adults 18-65 yrs of age) were run in the UK, Spain, the Netherlands, Poland, Portugal, Ireland, Greece and Germany (N=16). The analysis (guided using grounded theory) suggested that personalised nutrition was perceived in terms of benefit to health and fitness and that convenience was an important driver of uptake. Negative attitudes were associated with internet delivery but not with personalised nutrition per se. Barriers to uptake were linked to broader technological issues associated with data protection, trust in regulator and service providers. Services that required a fee were expected to be of better quality and more secure. An efficacious, transparent and trustworthy regulatory framework for personalised nutrition is required to alleviate consumer concern. In addition, developing trust in service providers is important if such services to be successful. Copyright © 2013 Elsevier Ltd. All rights reserved.

Alcohol, appetite and energy balance: is alcohol intake a risk factor for obesity?

PubMed

Yeomans, Martin R

2010-04-26

The increased recognition that the worldwide increase in incidence of obesity is due to a positive energy balance has lead to a focus on lifestyle choices that may contribute to excess energy intake, including the widespread belief that alcohol intake is a significant risk factor for development of obesity. This brief review examines this issue by contrasting short-term laboratory-based studies of the effects of alcohol on appetite and energy balance and longer-term epidemiological data exploring the relationship between alcohol intake and body weight. Current research clearly shows that energy consumed as alcohol is additive to that from other dietary sources, leading to short-term passive over-consumption of energy when alcohol is consumed. Indeed, alcohol consumed before or with meals tends to increase food intake, probably through enhancing the short-term rewarding effects of food. However, while these data might suggest that alcohol is a risk factor for obesity, epidemiological data suggests that moderate alcohol intake may protect against obesity, particularly in women. In contrast, higher intakes of alcohol in the absence of alcohol dependence may increase the risk of obesity, as may binge-drinking, however these effects may be secondary to personality and habitual beverage preferences. Copyright 2010 Elsevier Inc. All rights reserved.

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...

Considerations for the design of safe and effective consumer health IT applications in the home.

PubMed

Zayas-Cabán, Teresa; Dixon, Brian E

2010-10-01

Consumer health IT applications have the potential to improve quality, safety and efficiency of consumers' interactions with the healthcare system. Yet little attention has been paid to human factors and ergonomics in the design of consumer health IT, potentially limiting the ability of health IT to achieve these goals. This paper presents the results of an analysis of human factors and ergonomics issues encountered by five projects during the design and implementation of home-based consumer health IT applications. Agency for Healthcare Research and Quality-funded consumer health IT research projects, where patients used the IT applications in their homes, were reviewed. Project documents and discussions with project teams were analysed to identify human factors and ergonomic issues considered or addressed by project teams. The analysis focused on system design and design processes used as well as training, implementation and use of the IT intervention. A broad range of consumer health IT applications and diverse set of human factors and ergonomics issues were identified. The design and implementation processes used resulted in poor fit with some patients' healthcare tasks and the home environment and, in some cases, resulted in lack of use. Clinician interaction with patients and the information provided through health IT applications appeared to positively influence adoption and use. Consumer health IT application design would benefit from the use of human factors and ergonomics design and evaluation methods. Considering the context in which home-based consumer health IT applications are used will likely affect the ability of these applications to positively impact the quality, safety and efficiency of patient care.

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.

Enhancing health-care workers' understanding and thinking about people living with co-occurring mental health and substance use issues through consumer-led training.

PubMed

Roussy, Véronique; Thomacos, Nikos; Rudd, Annette; Crockett, Belinda

2015-10-01

Stigma and judgemental assumptions by health workers have been identified as key barriers to accessing health care for people living with co-occurring mental health and substance use issues (dual diagnosis). To evaluate the effectiveness of consumer-led training by people with dual diagnosis in improving the knowledge, understanding and role adequacy of community health staff to work with this consumer group. A controlled before-and-after study design with four waves of quantitative data collection was used. Qualitative data were collected to explore participants' views about training. Participants were staff from two community health services from Victoria, Australia. Recruitment occurred across various work areas: reception, oral health, allied health, counselling and health promotion. At baseline, all participants attended a 4-h clinician-led training session. The intervention consisted of a 3-h consumer-led training session, developed and delivered by seven individuals living with dual diagnosis. Outcome measures included understanding of dual diagnosis, participants' feelings of role adequacy and role legitimacy, personal views, and training outcomes and relevance. Consumer-led training was associated with a significant increase in understanding. The combination of clinician-led and consumer-led training was associated with a positive change in role adequacy. Consumer-led training is a promising approach to enhance primary health-care workers' understanding of the issues faced by dual-diagnosis consumers, with such positive effects persisting over time. Used alongside other organizational capacity building strategies, consumer-led training has the potential to help address stigma and judgemental attitudes by health workers and improve access to services for this consumer group. © 2013 John Wiley & Sons Ltd.

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

PubMed

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

2002-06-01

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

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

ERIC Educational Resources Information Center

Koukel, Sonja

2015-01-01

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

Reports on...Credit and Other Financial Issues.

ERIC Educational Resources Information Center

TRW Information Systems and Services, Orange, CA.

This document contains 29 two-page reports on credit, business credit, direct marketing, and real estate data prepared by the credit reporting company, TRW, for consumers. Topics covered are the following: consumer credit reports, how to obtain a copy of a consumer credit report, how credit bureaus compile consumer credit reports, the role of…

The Frontier of Research in the Consumer Interest. Proceedings of the International Conference on Research in the Consumer Interest (Racine, Wisconsin, August 16-19, 1986).

ERIC Educational Resources Information Center

Maynes, E. Scott, Ed.; And Others

The following papers are included: "JFK's Four Consumer Rights" (Lampman); "Product Safety" (Gerner); "Use of Cost-Benefit Analysis in Product Safety Regulation" (Crandall); "CPCS's Voluntary Standards" (Ault); "Consumer Safety and Issue Emergence Process" (Mayer); "Reflections on Research in…

The effect of the behavior of an average consumer on the public debt dynamics

NASA Astrophysics Data System (ADS)

De Luca, Roberto; Di Mauro, Marco; Falzarano, Angelo; Naddeo, Adele

2017-09-01

An important issue within the present economic crisis is understanding the dynamics of the public debt of a given country, and how the behavior of average consumers and tax payers in that country affects it. Starting from a model of the average consumer behavior introduced earlier by the authors, we propose a simple model to quantitatively address this issue. The model is then studied and analytically solved under some reasonable simplifying assumptions. In this way we obtain a condition under which the public debt steadily decreases.

75 FR 12715 - Notice of Intent To Request Public Comments

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-17

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

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

ERIC Educational Resources Information Center

Cutts, Haywood

2017-01-01

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

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

Code of Federal Regulations, 2012 CFR

2012-01-01

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

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

Code of Federal Regulations, 2014 CFR

2014-01-01

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

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

Code of Federal Regulations, 2013 CFR

2013-01-01

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

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

Code of Federal Regulations, 2012 CFR

2012-01-01

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

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

Code of Federal Regulations, 2014 CFR

2014-01-01

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

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

Code of Federal Regulations, 2013 CFR

2013-01-01

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

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

PubMed

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

2018-06-12

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

Consumer Leadership in Supported Employment.

ERIC Educational Resources Information Center

Inge, Katherine J., Ed.

1992-01-01

This newsletter issue provides rehabilitation professionals with various information pieces concerning consumer leadership in supported employment of people with disabilities. First, a chart lists five questions concerning self advocacy and supported employment, and provides consumer responses to the questions. A second item describes…

Tanning preparations.

PubMed

Levy, S B

2000-10-01

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

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

PubMed

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

2018-05-18

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

PEER REVIEW FOR THE CONSUMER VEHICLE CHOICE MODEL

EPA Science Inventory

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

12 CFR 1005.7 - Initial disclosures.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

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

Bird, L.; Reger, A.; Heeter, J.

Based on lessons from recent program experience, this report explores best practices for designing and implementing incentives for small and mid-sized residential and commercial distributed solar energy projects. The findings of this paper are relevant to both new incentive programs as well as those undergoing modifications. The report covers factors to consider in setting and modifying incentive levels over time, differentiating incentives to encourage various market segments, administrative issues such as providing equitable access to incentives and customer protection. It also explores how incentive programs can be designed to respond to changing market conditions while attempting to provide a longer-termmore » and stable environment for the solar industry. The findings are based on interviews with program administrators, regulators, and industry representatives as well as data from numerous incentive programs nationally, particularly the largest and longest-running programs. These best practices consider the perspectives of various stakeholders and the broad objectives of reducing solar costs, encouraging long-term market viability, minimizing ratepayer costs, and protecting consumers.« less

[Health policy in the European Union: impact on the Spanish health system].

PubMed

Guimarães, Luisa; Freire, José-Manuel

2007-01-01

This text reviews the impact of European integration on the health sector (public health and health services) by studying European Union (EU) institutions, functioning, and responsibilities through the literature, documents, and authors' observations. The EU does not have direct health responsibilities, but Community legislation has important repercussions on all member states' health policies. This influence affects health protection issues, consumer safety, regulation of medicines and medical devices, mutual recognition of professional qualifications, freedom of movement for health professionals and patients, public contracts and bidding, research, etc. The evolution of EU health policy shows a progressive reinforcement of responsibilities consistent with the objective of reaching a high level of health protection, which in turn affects other European policies. The impact of European integration on the Spanish health system is analyzed as a case study, and key aspects and present and future challenges are highlighted. Lessons are also drawn for regional integration processes to foster equity and efficiency in health.

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.

Estimating the Costs to Consumers of the U.S. Sugar Quota: An Exercise for Introductory Economics Classes.

ERIC Educational Resources Information Center

Williams, Andrew T.

1997-01-01

Provides a classroom exercise using the restrictive tariffs on sugar to examine issues of protectionism and international trade. Discusses related issues such as the North American Free Trade Agreement and the formation of large regional trading blocks. Includes a hands-on calculation of the economic impact of the quota on consumers. (MJP)

12 CFR 222.91 - Duties of card issuers regarding changes of address.

Code of Federal Regulations, 2010 CFR

2010-01-01

... described in § 222.90(a) that issues a debit or credit card (card issuer). (b) Definitions. For purposes of this section: (1) Cardholder means a consumer who has been issued a credit or debit card. (2) Clear and... notification of a change of address for a consumer's debit or credit card account and, within a short period of...

"Catch-Up." Proceedings of the Annual Consumer Education "Catch-Up" Conference (2nd, Washington, D.C., November 11-12, 1976).

ERIC Educational Resources Information Center

Yates, Juanita, Ed.

This booklet summarizes a conference on consumer education which was held for educators, community leaders, program administrators, consumer advocates, and journalists to introduce the principal issues facing consumers and to explore effective program designs and teaching methods and materials. Following a brief executive summary of the conference…

Direct-to-consumer prescription drug advertising: history, regulation, and issues.

PubMed

Huh, Jisu; DeLorme, Denise E; Reid, Leonard N; An, Soontae

2010-03-01

Direct-to-consumer advertising has changed the way prescription drugs are marketed in the United States. This article traces the history of direct-to-consumer advertising of prescription and over-the-counter medications and describes how drug advertising is regulated and by whom. It also discusses the controversies that surround direct-to-consumer marketing of prescription drugs.

Consumer's Resource Handbook. 1992 Edition.

ERIC Educational Resources Information Center

Office of Consumer Affairs, Washington, DC.

This handbook for consumers begins with information on its use, content, and other sources of help. The handbook is then divided into two sections. Part I, How to Be a Smart Consumer, lists tips on getting the most for your money, handling your own complaint, and writing a complaint letter. It provides information on the following consumer issues:…

New Consumer Online Services.

ERIC Educational Resources Information Center

Collinge, Brian; And Others

1995-01-01

Four conference presenters involved in consumer online services present information on new products both under development and in the process of implementation, commenting on technological, content, distribution, and consumer service issues. Products and companies discussed are eWorld (Apple Computer Europe); Olivetti Telemedia; CompuServe; and…

Protecting the United States Against Information Warfare

DTIC Science & Technology

2000-04-01

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

77 FR 39057 - Rules of Practice for Adjudication Proceedings

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-29

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

Banning front-of-package food labels: first Amendment constraints on public health policy.

PubMed

Lytton, Timothy D

2011-06-01

In recent months, the FDA has begun a crackdown on misleading nutrition and health claims on the front of food packages by issuing warning letters to manufacturers and promising to develop stricter regulatory standards. Leading nutrition policy experts Marion Nestle and David Ludwig have called for an even tougher approach: a ban on all nutrition and health claims on the front of food packages. Nestle and Ludwig argue that most of these claims are scientifically unsound and misleading to consumers and that eliminating them would 'aid educational efforts to encourage the public to eat whole or minimally processed foods and to read the ingredients list on processed foods'. Nestle and Ludwig are right to raise concerns about consumer protection and public health when it comes to front-of-package food labels, but an outright ban on front-of-package nutrition and health claims would violate the First Amendment. As nutrition policy experts develop efforts to regulate front-of-package nutrition and health claims, they should be mindful of First Amendment constraints on government regulation of commercial speech.

Green remediation. Tool for safe and sustainable environment: a review

NASA Astrophysics Data System (ADS)

Singh, Mamta; Pant, Gaurav; Hossain, Kaizar; Bhatia, A. K.

2017-10-01

Nowadays, the bioremediation of toxic pollutants is a subject of interest in terms of health issues and environmental cleaning. In the present review, an eco-friendly, cost-effective approach is discussed for the detoxification of environmental pollutants by the means of natural purifier, i.e., blue-green algae over the conventional methods. Industrial wastes having toxic pollutants are not able to eliminate completely by existing the conventional techniques; in fact, these methods can only change their form rather than the entire degradation. These pollutants have an adverse effect on aquatic life, such as fauna and flora, and finally harm human life directly or indirectly. Cyanobacterial approach for the removal of this contaminant is an efficient tool for sustainable development and pollution control. Cyanobacteria are the primary consumers of food chain which absorbed complex toxic compounds from environments and convert them to simple nontoxic compounds which finally protect higher food chain consumer and eliminate risk of pollution. In addition, these organisms have capability to solve secondary pollution, as they can remediate radioactive compound, petroleum waste and degrade toxins from pesticides.

Preconceptional genetic carrier testing and the commercial offer directly-to-consumers

PubMed Central

Borry, Pascal; Henneman, Lidewij; Lakeman, Phillis; ten Kate, Leo P.; Cornel, Martina C.; Howard, Heidi C.

2011-01-01

Recently, a number of commercial companies are offering preconceptional carrier tests directly-to-consumers. This offer raises a number of concerns and issues above and beyond those encountered with preconceptional tests offered within the traditional health care setting. In order to bring some of these issues to light and to initiate dialogue on this topic, this article discusses the following issues: the current offer of preconceptional carrier tests (until the end of 2010) through online commercial companies; the implications for the informed consent procedure and the need for good information; the need for medical supervision and follow-up; and the appropriate use of existing resources. The article concludes with some reflections about the potential sustainability of the offer of preconceptional carrier tests directly-to-consumers. PMID:21362685

Alaska Consumer Protection Unit

Science.gov Websites

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

12 CFR 213.9 - Relation to state laws.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

78 FR 30798 - Notice of Intent To Request Public Comments

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-23

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

All that Glitters Is not Gold: Consumer Health Informatics and Education in the Era of Social Media and Health Apps. Findings from the Yearbook 2016 Section on Consumer Health Informatics.

PubMed

Fernandez-Luque, L; Staccini, P

2016-11-10

To summarize the state of the art published during the year 2015 in the areas related to consumer health informatics and education with a special emphasis on unintended consequences of applying mobile and social media technologies in that domain. We conducted a systematic review of articles published in PubMed with a predefined set of queries, which lead to the selection of over 700 potential relevant articles. Section editors screened those papers on the title, abstract, and finally complete paper basis, taking into account the papers' relevance for the section topic. The 15 most representative papers were finally selected by consensus between the two section editors and submitted for full review and scoring to external reviewers and the yearbook editors. Based on the final scoring, section editors selected the best five papers. The five best papers can be grouped in two major areas: 1) Digital health literacy and 2) Quality and safety concerns. Regarding health literacy issues of patients with chronic conditions such as asthma, online interventions should rather focus on changing patient beliefs about the disease than on supporting them in the management of their pathology since personally controlled health management systems do not show expected benefits,. Nevertheless, encouraging and training chronic patients for an active online health information-seeking behaviour substantially decreases state anxiety level. Regarding safety and privacy issues, even recommended health-related apps available on mobile phones do not guarantee personal data protection. Furthermore, the analysis indicated that patients undergoing Internet interventions experienced at least one adverse event that might be related to treatment. At least, predictive factors have been identified in order to credit or not a health rumour. Trusting digital and connected health can be achieved if patients, health care professionals, and industrials build a shared model of health data management integrating ethics rules. Only increasing efforts in education with regards of digital health would help reach this goal., This would not resolve all frauds and security issues but at least improve their detection.

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

PubMed

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

2011-06-01

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

Health Care and Family and Consumer Sciences Education: An Integrative Approach.

ERIC Educational Resources Information Center

Montgomery, Ruth; Rider, Mary Ellen

2001-01-01

Uses ecological systems theory as a foundation for integrating health care and its public policy issues into family and consumer sciences classrooms. Offers teachers alternative perspectives on consumer behavior changes and needs in heath care systems and policies. Contains 24 references. (JOW)

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...

A Quest for Quality: Consumer and Homemaking Education in the 80s.

ERIC Educational Resources Information Center

Illinois Teacher of Home Economics, 1985

1985-01-01

Discusses the contributions that consumer and homemaking education make towards improving students' basic skills. These skills include verbal (discussing consumer issues, family relations, child development); reading (product labels, magazine articles, newspapers); writing (reports, notes, term papers); mathematics (budgets, recipe ingredients,…

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

Code of Federal Regulations, 2013 CFR

2013-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

12 CFR 205.2 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Consumer Education (A High School One Semester Course).

ERIC Educational Resources Information Center

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

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

12 CFR 1022.27 - Renewal of opt-out.

Code of Federal Regulations, 2013 CFR

2013-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-23

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

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

Code of Federal Regulations, 2012 CFR

2012-01-01

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

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

Code of Federal Regulations, 2013 CFR

2013-01-01

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

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

Code of Federal Regulations, 2014 CFR

2014-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-07-01

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

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

PubMed Central

Kole, Jon

2013-01-01

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

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.

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

ERIC Educational Resources Information Center

Office of Consumer Affairs, Washington, DC.

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

A Consumer Perspective of Handgun Control in the U.S.

ERIC Educational Resources Information Center

Hill, Ronald Paul

1994-01-01

Examines the public policy issue of handgun control from a consumer perspective. Summarizes and analyzes research that investigates attitudes toward and use of handguns. Offers recommendations that are consumer based and attempt to balance the needs of gun owners with the interests of society. (JOW)

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...

Guidelines for Consumer Education. Revised.

ERIC Educational Resources Information Center

Illinois State Office of Education, Springfield.

This guide is intended to assist school personnel by clarifying issues, provide directions in basic information, and stimulate practical considerations for the learner in the area of consumer education. Its objectives are to (1) assist school administrators in the implementation of consumer education, and (2) assist secondary teachers in planning…

12 CFR - Unknown Title

Code of Federal Regulations, 2013 CFR

2013-01-01

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

76 FR 40777 - Interim Enforcement Policy for Certain Fire Protection Issues

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-12

... Certain Fire Protection Issues AGENCY: Nuclear Regulatory Commission. ACTION: Policy statement; revision... Enforcement Policy on enforcement discretion for certain fire protection issues to extend the enforcement... policy affects licensees that are transitioning to use the National Fire Protection Association Standard...

A Study on Drug Safety Monitoring Program in India

PubMed Central

Ahmad, A.; Patel, Isha; Sanyal, Sudeepa; Balkrishnan, R.; Mohanta, G. P.

2014-01-01

Pharmacovigilance is useful in assuring the safety of medicines and protecting the consumers from their harmful effects. A number of single drugs as well as fixed dose combinations have been banned from manufacturing, marketing and distribution in India. An important issue about the availability of banned drugs over the counter in India is that sufficient adverse drug reactions data about these drugs have not been reported. The most common categories of drugs withdrawn in the last decade were nonsteroidal antiinflammatory drugs (28%), antidiabetics (14.28%), antiobesity (14.28%), antihistamines (14.28%), gastroprokinetic drugs (7.14%), breast cancer and infertility drugs (7.14%), irritable bowel syndrome and constipation drugs (7.14%) and antibiotics (7.14%). Drug withdrawals from market were made mainly due to safety issues involving cardiovascular events (57.14%) and liver damage (14.28%). Majority of drugs have been banned since 3-5 years in other countries but are still available for sale in India. The present study compares the drug safety monitoring systems in the developed countries such as the USA and UK and provides implications for developing a system that can ensure the safety and efficacy of drugs in India. Absence of a gold standard for a drug safety surveillance system, variations in culture and clinical practice across countries makes it difficult for India to completely adopt another country's practices. There should be a multidisciplinary approach towards drug safety that should be implemented throughout the entire duration spanning from drug discovery to usage by consumers. PMID:25425751

A study on drug safety monitoring program in India.

PubMed

Ahmad, A; Patel, Isha; Sanyal, Sudeepa; Balkrishnan, R; Mohanta, G P

2014-09-01

Pharmacovigilance is useful in assuring the safety of medicines and protecting the consumers from their harmful effects. A number of single drugs as well as fixed dose combinations have been banned from manufacturing, marketing and distribution in India. An important issue about the availability of banned drugs over the counter in India is that sufficient adverse drug reactions data about these drugs have not been reported. The most common categories of drugs withdrawn in the last decade were nonsteroidal antiinflammatory drugs (28%), antidiabetics (14.28%), antiobesity (14.28%), antihistamines (14.28%), gastroprokinetic drugs (7.14%), breast cancer and infertility drugs (7.14%), irritable bowel syndrome and constipation drugs (7.14%) and antibiotics (7.14%). Drug withdrawals from market were made mainly due to safety issues involving cardiovascular events (57.14%) and liver damage (14.28%). Majority of drugs have been banned since 3-5 years in other countries but are still available for sale in India. The present study compares the drug safety monitoring systems in the developed countries such as the USA and UK and provides implications for developing a system that can ensure the safety and efficacy of drugs in India. Absence of a gold standard for a drug safety surveillance system, variations in culture and clinical practice across countries makes it difficult for India to completely adopt another country's practices. There should be a multidisciplinary approach towards drug safety that should be implemented throughout the entire duration spanning from drug discovery to usage by consumers.

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...

12 CFR Supplement I to Part 205 - Official Staff Interpretations

Code of Federal Regulations, 2011 CFR

2011-01-01

... about when funds may be debited from a consumer's account and the non-return of consumer checks by the... certain events. ii. Debits to consumer accounts for group insurance available only through the financial.... Making an additional account accessible through an existing access device is equivalent to issuing an...

75 FR 11889 - Consumer Advisory Council; Notice of Meeting of the Consumer Advisory Council

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-12

...'s responsibilities under various consumer financial services laws and on other matters on which the... Affordable program, neighborhood stabilization initiatives and challenges, and other issues related to foreclosures. Short-term and small-dollar loan products. Members will discuss short-term and small-dollar loan...

The Emerging Consumer Movement in Education

ERIC Educational Resources Information Center

Stark, Joan S.

1976-01-01

The consumer movement seeks a better balance between institutional rights and those of the student who contracts for educational services. The author discusses how and why issues of consumer rights--to be safe, to be informed, to choose, and to be heard--are now unexpectedly confronting higher education. (Editor/JT)

MedlinePlus.gov Turns 10!

MedlinePlus

... Navigation Bar Home Current Issue Past Issues MedlinePlus.gov Turns 10! Past Issues / Fall 2008 Table of ... Photo courtesy of Michael Spencer, NIH NIH's MedlinePlus.gov , the popular, consumer-friendly health Web site produced ...

Exploration of Selection Bias Issues for the DoD Federal Employees Health Benefits Program Demonstration

DTIC Science & Technology

2002-01-01

e.g., employer or Medicare). Thus we focus on the details of theory of consumer preferences and choices in the discussion below, while providing similar...health status. Two important factors in consumer health plan choices are inherent to any insurance market. First, the consumer preferences that guide...important factors in consumer health plan choices are inherent to any insurance market. First, the consumer preferences that guide their choices of

Continuing challenges for the mental health consumer workforce: a role for mental health nurses?

PubMed

Cleary, Michelle; Horsfall, Jan; Hunt, Glenn E; Escott, Phil; Happell, Brenda

2011-12-01

The aim of this paper is to discuss issues impacting on consumer workforce participation and challenges that continue to arise for these workers, other service providers, and the mental health system. The literature identifies the following issues as problematic: role confusion and role strain; lack of support, training, and supervision structures; job titles that do not reflect actual work; poor and inconsistent pay; overwork; limited professional development; insufficient organizational adaptation to expedite consumer participation; staff discrimination and stigma; dual relationships; and the need to further evaluate consumer workforce contributions. These factors adversely impact on the emotional well-being of the consumer workforce and might deprive them of the support required for the consumer participation roles to impact on service delivery. The attitudes of mental health professionals have been identified as a significant obstacle to the enhancement of consumer participation and consumer workforce roles, particularly in public mental health services. A more comprehensive understanding of consumer workforce roles, their benefits, and the obstacles to their success should become integral to the education and training provided to the mental health nursing workforce of the future to contribute to the development of a more supportive working environment to facilitate the development of effective consumer roles. © 2011 The Authors. International Journal of Mental Health Nursing © 2011 Australian College of Mental Health Nurses Inc.

Food safety concerns of fast food consumers in urban Ghana.

PubMed

Omari, Rose; Frempong, Godfred

2016-03-01

In Ghana, out-of-home ready-to-eat foods including fast food generally have been associated with food safety problems. Notwithstanding, fast food production and consumption are increasing in Ghana and therefore this study sought to determine the food safety issues of importance to consumers and the extent to which they worry about them. First, through three focus group discussions on consumers' personal opinions about food safety issues, some emergent themes were obtained, which were used to construct an open-ended questionnaire administered face-to-face to 425 respondents systematically sampled from 20 fast food restaurants in Accra. Findings showed that most fast food consumers were concerned about food hazards such as pesticide residue in vegetables, excessive use of artificial flavour enhancers and colouring substances, bacterial contamination, migrated harmful substances from plastic packages, and general unhygienic conditions under which food is prepared and sold. Consumers also raised concerns about foodborne diseases such as cholera, typhoid, food poisoning, diarrhoea, bird flu and swine flu. The logistic regression model showed that being male increased the likelihood of worrying about general food safety issues and excessive use of flavour enhancers than in females while being youthful increased the likelihood of being worried about typhoid fever than in older consumers. These findings imply that consumers in urban Ghana are aware and concerned about current trends of food safety and foodborne disease challenges in the country. Therefore, efforts targeted at improving food safety and reducing incidences of foodborne diseases should not only focus on public awareness creation but should also design more comprehensive programmes to ensure the making of food safety rules and guidelines and enforcing compliance to facilitate availability and consumers' choice of safe foods. Copyright © 2015 Elsevier Ltd. All rights reserved.

Overview of craft brewing specificities and potentially associated microbiota.

PubMed

Rodhouse, Lindsey; Carbonero, Franck

2017-09-14

The brewing process differs slightly in craft breweries as compared to industrial breweries, as there are fewer control points. This affects the microbiota of the final product. Beer contains several antimicrobial properties that protect it from pathogens, such as low pH, low oxygen and high carbon dioxide content, and the addition of hops. However, these hurdles have limited power controlling spoilage organisms. Contamination by these organisms can originate in the raw materials, persist in the environment, and be introduced by using flavoring ingredients later in the process. Spoilage is a prominent issue in brewing, and can cause quality degradation resulting in consumer rejection and product waste. For example, lactic acid bacteria are predominately associated with producing a ropy texture and haze, along with producing diacetyl which gives the beer butter flavor notes. Other microorganisms may not affect flavor or aroma, but can retard fermentation by consuming nutrients needed by fermentation yeast. Quality control in craft breweries today relies on culturing methods to detect specific spoilage organisms. Using media can be beneficial for detecting the most common beer spoilers, such as Lactobacillus and Pediococci. However, these methods are time consuming with long incubation periods. Molecular methods such as community profiling or high throughput sequencing are better used for identifying entire populations of beer. These methods allow for detection, differentiation, and identification of taxa.

How to File a Consumer Credit Complaint.

ERIC Educational Resources Information Center

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

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-10-26

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

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

Code of Federal Regulations, 2010 CFR

2010-07-01

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

12 CFR 1022.27 - Renewal of opt-out.

Code of Federal Regulations, 2012 CFR

2012-01-01

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

12 CFR 1022.27 - Renewal of opt-out.

Code of Federal Regulations, 2014 CFR

2014-01-01

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

12 CFR 14.20 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-13

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

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

NASA Astrophysics Data System (ADS)

Iordanov, Iordan V.; Vassilev, Andrey A.

2017-12-01

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

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

PubMed

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

2017-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-20

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

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

PubMed Central

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

2017-01-01

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

Consumer protection act for digital products

NASA Astrophysics Data System (ADS)

Hampel, Viktor E.

1996-03-01

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

Measuring Involvement with Social Issues.

ERIC Educational Resources Information Center

Nowak, Glen J.; Salmon, Charles T.

A study applied research concepts from consumer product involvement to test a model for research on involvement with social issues. Issue involvement was defined as the state or level of perceived importance and/or interest evoked by a stimulus (issue) within a specific situation. Attitudes on four social issues--abortion, pornography, the…

America's Forgotten Consumer

ERIC Educational Resources Information Center

Dyskstra, John W.

1972-01-01

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

77 FR 70105 - Delayed Implementation of Certain New Mortgage Disclosures

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-23

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

Still the Great Debate - "Fair Balance" in Direct-to-Consumer Prescription Drug Advertising Comment on "Trouble Spots in Online Direct-to-Consumer Prescription Drug Promotion: A Content Analysis of FDA Warning Letters".

PubMed

Rollins, Brent L

2016-02-10

The above titled paper examined the Food and Drug Administration's (FDA's) warning letters and notice of violations (NOV) over a 10-year period. Findings from this content analysis reinforced what has been the primary issue for prescription direct-to-consumer advertising (DTCA) since its beginning, the fair balance of risk and benefit information. As opposed to another analysis in 2026 about this still being an issue, is there anything that can be done to prevent this problem from continuing? © 2016 by Kerman University of Medical Sciences.

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

PubMed

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

2018-05-25

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

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

PubMed

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

2004-08-01

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

75 FR 70266 - Agency Information Collection Activities; Submission for Office of Management and Budget Review...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-17

... Nutrition Facts label format to require, the Agency undertook consumer research to evaluate alternatives (Refs. 1, 2, and 3). More recently, FDA conducted qualitative consumer research on the format of the.... 5). In addition to conducting consumer research, in response to the OWG plan FDA issued two advance...

77 FR 32120 - Agency Information Collection Activities; Proposed Collection; Comment Request; Experimental...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-31

... require, the Agency undertook consumer research to evaluate alternatives (Refs. 1 to 3). More recently, FDA conducted qualitative consumer research on the format of the Nutrition Facts label on behalf of... consumer research, in the Federal Register of November 2, 2007 (72 FR 62149) FDA issued an Advance Notice...

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

A Guide to Intellectual Property Protection, Third Edition.

ERIC Educational Resources Information Center

Minnesota Small Business Assistance Office, St. Paul.

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-27

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

Addressing mental health disparities through clinical competence not just cultural competence: the need for assessment of sociocultural issues in the delivery of evidence-based psychosocial rehabilitation services.

PubMed

Yamada, Ann-Marie; Brekke, John S

2008-12-01

Recognition of ethnic/racial disparities in mental health services has not directly resulted in the development of culturally responsive psychosocial interventions. There remains a fundamental need for assessment of sociocultural issues that have been linked with the expectations, needs, and goals of culturally diverse consumers with severe and persistent mental illness. The authors posit that embedding the assessment of sociocultural issues into psychosocial rehabilitation practice is one step in designing culturally relevant empirically supported practices. It becomes a foundation on which practitioners can examine the relevance of their interventions to the diversity encountered in everyday practice. This paper provides an overview of the need for culturally and clinically relevant assessment practices and asserts that by improving the assessment of sociocultural issues the clinical competence of service providers is enhanced. The authors offer a conceptual framework for linking clinical assessment of sociocultural issues to consumer outcomes and introduce an assessment tool adapted to facilitate the process in psychosocial rehabilitation settings. Emphasizing competent clinical assessment skills will ultimately offer a strategy to address disparities in treatment outcomes for understudied populations of culturally diverse consumers with severe and persistent mental illness.

Interactive use of online health resources: a comparison of consumer and professional questions

PubMed Central

Demner-Fushman, Dina

2016-01-01

Objective To understand how consumer questions on online resources differ from questions asked by professionals, and how such consumer questions differ across resources. Materials and Methods Ten online question corpora, 5 consumer and 5 professional, with a combined total of over 40 000 questions, were analyzed using a variety of natural language processing techniques. These techniques analyze questions at the lexical, syntactic, and semantic levels, exposing differences in both form and content. Results Consumer questions tend to be longer than professional questions, more closely resemble open-domain language, and focus far more on medical problems. Consumers ask more sub-questions, provide far more background information, and ask different types of questions than professionals. Furthermore, there is substantial variance of these factors between the different consumer corpora. Discussion The form of consumer questions is highly dependent upon the individual online resource, especially in the amount of background information provided. Professionals, on the other hand, provide very little background information and often ask much shorter questions. The content of consumer questions is also highly dependent upon the resource. While professional questions commonly discuss treatments and tests, consumer questions focus disproportionately on symptoms and diseases. Further, consumers place far more emphasis on certain types of health problems (eg, sexual health). Conclusion Websites for consumers to submit health questions are a popular online resource filling important gaps in consumer health information. By analyzing how consumers write questions on these resources, we can better understand these gaps and create solutions for improving information access. This article is part of the Special Focus on Person-Generated Health and Wellness Data, which published in the May 2016 issue, Volume 23, Issue 3. PMID:27147494

Consumer Financial Protection Commission Act of 2013

THOMAS, 113th Congress

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

2013-06-17

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

17 CFR 250.100 - Orders granting 6 or withdrawing exemptions.

Code of Federal Regulations, 2010 CFR

2010-04-01

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

Alaska Consumer Laws - Consumer Protection Topic

Science.gov Websites

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

Bureau of Consumer Financial Protection Accountability Act

THOMAS, 113th Congress

Rep. Posey, Bill [R-FL-8

2013-02-01

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

Plenary III-04: Media Messages and Public Perceptions of Direct-to-Consumer Genetics: Results of a Media Analysis and Focus Group Study

PubMed Central

Rahm, Alanna Kulchak; Dearing, James; Feigelson, Heather Spencer; Tracer, David; Bull, Sheana

2011-01-01

Background Information about genetics and the promise of genomic medicine is commonplace in the mass media. How the mass media themselves contribute – or not – to the persistence of this issue and its perception by the public is the topic of this presentation. The purpose of this study is to investigate the structural and individual perspectives on the issue of direct-to-consumer (DTC) genetics, and assess the degree of correspondence across these perspectives. Methods I conducted a media analysis to determine how the issue of DTC genetics has been framed in mass media stories and the salient topics related to the issue. I conducted focus groups to determine individual knowledge, attitudes and beliefs about the issue of DTC genetics. Results A final sample of 398 mass media stories of DTC genetics from Lexis-Nexis Academic archives between September 1, 2007 and September 30, 2009 were coded for salience and frames. Fourteen focus groups were conducted between October, 2009 and March, 2010 with Kaiser Permanente Colorado members and medical staff. Focus group transcripts were coded for salience and framing of the issue and compared with the media analysis results.Study results found that the issue of DTC genetics was not very important to focus group participants except as it related to the topic of breast cancer. Mass media message topics and frames showed differences over time. Focus group participants were generally negative towards the issue while the mass media was mostly positive towards DTC genetics. Focus group participants used some of the many frames to understand the issue that were utilized by the mass media to package the issue, but participants mainly framed the issue in terms of prevention and a pandora’s box, while the mass media presented the issue more in terms of progressive and discrimination frames. Conclusions The mass media appears to function as a field of power for the issue of DTC genetics with the consumers in the middle of the contests. A higher-level concept of an “informed consumer” emerged from the focus groups that appears to provide consumers a degree of power in this battlefield as well.

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.

Effects of demographic factors and information sources on United States consumer perceptions of animal welfare.

PubMed

McKendree, M G S; Croney, C C; Widmar, N J O

2014-07-01

As consumers have become more interested in understanding how their food is produced, scrutiny and criticism have increased regarding intensified food animal production methods. Resolution of public concerns about animal agricultural practices depends on understanding the myriad factors that provide the basis for concerns. An online survey of 798 U.S. households was conducted to investigate relationships between household characteristics (demographics, geographic location, and experiences) and level of concern for animal welfare as well as sources used to obtain information on the subject. Because recent media attention has focused on animal care practices used in the U.S. swine industry, respondents were also asked specific questions pertaining to their perceptions of pig management practices and welfare issues and their corresponding pork purchasing behavior. Respondents reporting higher levels of concern about animal welfare were more frequently female, younger, and self-reported members of the Democratic Party. Fourteen percent of respondents reported reduction in pork consumption because of animal welfare concerns with an average reduction of 56%. Over half of the respondents (56%) did not have a primary source for animal welfare information; those who identified a primary information source most commonly used information provided by animal protection organizations, the Humane Society of the United States (HSUS), and People for the Ethical Treatment of Animals (PETA). Midwest participants were significantly, at the 5% significance level, less concerned about domestic livestock animal welfare and more frequently reported not having a source for animal welfare information than those from other regions of the United States. Overall, the U.S. livestock and poultry industries and other organizations affiliated with animal agriculture appear to be less used public sources of information on animal welfare than popular animal protection organizations. Improved understanding of the factors that contribute to consumers' evolving perceptions of the care and welfare of farm animals is an essential step toward enhanced sustainability and social responsibility in contemporary food production systems.

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

PubMed

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

2010-09-21

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

Forum on the future of academic medicine: Session VI--Issues of change and quality in U.S. health care.

PubMed

Iglehart, J

1999-07-01

The sixth meeting of the AAMC's Forum on the Future of Academic Medicine, on September 10, 1998, opened with a talk by Paul B. Ginsburg, PhD, president of the Center for Studying Health System Change (HSC). He described a major longitudinal study by the HSC of the changing U.S. health care system and reviewed some preliminary findings on topics such as the variety of ways communities are responding to relatively uniform forces driving health care markets; the reasons that uninsured individuals have a much harder time securing needed care in some communities than in others; the changing role of employers as sponsors of workers' insurance; consumers' frequently limited knowledge of their health care plans; the continuing importance consumers attach to having access to a broad choice of providers and the effects of this on the marketplace (e.g., broadening of networks); the different organizational models of care that are evolving; and the changing relationships between primary care physicians and specialists. The second presentation was by Janet M. Corrigan, MD, MBA, who served as executive director of the President's Advisory Commission on Consumer Protection and Quality in the Health Care Industry. She discussed the commission's findings about the state of quality in the health care industry and the commission's strategy to address serious shortcomings (e.g., unevenness of quality; avoidable errors; misuse of services). She also commented on the exponential increase in medical knowledge and the need for systems to help practitioners obtain and use it, and discussed the quality of care inside and outside managed care settings (about the same). Both Dr. Ginsburg and Dr. Corrigan discussed how some of the issues and findings they presented apply to academic medical centers, and responded to penetrating questions and statements of forum members.

40 CFR 80.7 - Requests for information.

Code of Federal Regulations, 2010 CFR

2010-07-01

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

Analysis of personal and cultural values as key determinants of novel food acceptance. Application to an ethnic product.

PubMed

Barrena, Ramo; García, Teresa; Sánchez, Mercedes

2015-04-01

This paper sets out to analyse whether the complexity and the type of benefits and values pursued in the consumer choice process for a novel food product (couscous) varies with the consumer's ethnic origin (Spanish and Arab). A qualitative study was used to explore these issues in an application of the "means-end chain" theory. The hierarchical value maps obtained point to the presence of an important emotional dimension in the consumption of the selected product, particularly Arab consumers, suggesting that greater familiarity with the product results in a more complex choice process. Some cross-cultural variation can also be observed. Arab consumers attach more importance to issues such as the geographic origin of the product, cultural identification, and fulfilment of family duty. Spanish couscous consumers, meanwhile, claim that it is a way to follow the latest trends, and be more cosmopolitan and more successful within their environment. Copyright © 2014 Elsevier Ltd. All rights reserved.

Evaluation and audit in a paediatric disability service.

PubMed Central

Cass, H D; Kugler, B T

1993-01-01

Parental and professional responses to questionnaires evaluating a paediatric disability service are reported and the viability of auditing structural, process, and outcome aspects of clinical practice are discussed. Expectations of waiting time to first appointment (met for only 52% of consumers) illustrate structural issues. Process issues are reflected in consumer reactions to outreach work (for example, 94% of parents and 84% of professionals found this supportive). Outcome measures such as consumer satisfaction with the service (76% of consumers reported being 'very satisfied' and 20% 'fairly satisfied') suggest that service aims are being met. Good concurrence of service aims with consumer needs is indicated by parental reasons for referral (for example, 75% for diagnostic help, 73% for a better understanding of the disorder, 88% for practical help), referrers' reasons (for example, 55% for a second diagnostic opinion, 45% due to lack of local expertise), and reports from most other professionals involved with the case that a similar service was not provided locally. PMID:8466242

Evaluation and audit in a paediatric disability service.

PubMed

Cass, H D; Kugler, B T

1993-03-01

Parental and professional responses to questionnaires evaluating a paediatric disability service are reported and the viability of auditing structural, process, and outcome aspects of clinical practice are discussed. Expectations of waiting time to first appointment (met for only 52% of consumers) illustrate structural issues. Process issues are reflected in consumer reactions to outreach work (for example, 94% of parents and 84% of professionals found this supportive). Outcome measures such as consumer satisfaction with the service (76% of consumers reported being 'very satisfied' and 20% 'fairly satisfied') suggest that service aims are being met. Good concurrence of service aims with consumer needs is indicated by parental reasons for referral (for example, 75% for diagnostic help, 73% for a better understanding of the disorder, 88% for practical help), referrers' reasons (for example, 55% for a second diagnostic opinion, 45% due to lack of local expertise), and reports from most other professionals involved with the case that a similar service was not provided locally.

Cutaneous challenge with chemical warfare agents in the SKH-1 hairless mouse. (I) Development of a model for screening studies in skin decontamination and protection.

PubMed

Dorandeu, F; Taysse, L; Boudry, I; Foquin, A; Hérodin, F; Mathieu, J; Daulon, S; Cruz, C; Lallement, G

2011-06-01

Exposure to lethal chemical warfare agents (CWAs) is no longer only a military issue due to the terrorist threat. Among the CWAs of concern are the organophosphorus nerve agent O-ethyl-S-(2[di-isopropylamino]ethyl)methyl-phosphonothioate (VX) and the vesicant sulfur mustard (SM). Although efficient means of decontamination are available, most of them lose their efficacy when decontamination is delayed after exposure of the bare skin. Alternatively, CWA skin penetration can be prevented by topical skin protectants. Active research in skin protection and decontamination is thus paramount. In vivo screening of decontaminants or skin protectants is usually time consuming and may be expensive depending on the animal species used. We were thus looking for a suitable, scientifically sound and cost-effective model, which is easy to handle. The euthymic hairless mouse Crl: SKH-1 (hr/hr) BR is widely used in some skin studies and has previously been described to be suitable for some experiments involving SM or SM analogs. To evaluate the response of this species, we studied the consequences of exposing male anaesthetized SKH-1 mice to either liquid VX or to SM, the latter being used in liquid form or as saturated vapours. Long-term effects of SM burn were also evaluated. The model was then used in the companion paper (Taysse et al.(1)).

Issues in protection of human subjects in internet research.

PubMed

Im, Eun-Ok; Chee, Wonshik

2002-01-01

Despite the increasing use of the Internet among nurses, the use of the Internet in nursing research has been rarely discussed and critiqued in terms of issues in protection of human subjects. In this article, issues in protection of human subjects in Internet research are explored by analyzing an Internet study to propose directions for human protection in Internet research. Issues raised through the study include those related to (a) anonymity and confidentiality, (b) security, (c) self-determination and authenticity, (d) full disclosure, and (e) fair treatment. Based on discussion of the five issues, development of standardized guidelines, investigator triangulation, and information sharing are proposed as directions for protection of human subjects in Internet research.

12 CFR 343.50 - Where insurance activities may take place.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

16 CFR 310.7 - Actions by states and private persons.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

Consumer Credit Access, Innovation, and Modernization Act

THOMAS, 113th Congress

Rep. Luetkemeyer, Blaine [R-MO-3

2013-04-15

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

Bureau of Consumer Financial Protection Accountability Act of 2013

THOMAS, 113th Congress

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

2013-09-26

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

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

Code of Federal Regulations, 2014 CFR

2014-01-01

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

Anti-aging medicine: can consumers be better protected?

PubMed

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

2004-06-01

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

Global quality imaging: emerging issues.

PubMed

Lau, Lawrence S; Pérez, Maria R; Applegate, Kimberly E; Rehani, Madan M; Ringertz, Hans G; George, Robert

2011-07-01

Quality imaging may be described as "a timely access to and delivery of integrated and appropriate procedures, in a safe and responsive practice, and a prompt delivery of an accurately interpreted report by capable personnel in an efficient, effective, and sustainable manner." For this article, radiation safety is considered as one of the key quality elements. The stakeholders are the drivers of quality imaging. These include those that directly provide or use imaging procedures and others indirectly supporting the system. Imaging is indispensable in health care, and its use has greatly expanded worldwide. Globalization, consumer sophistication, communication and technological advances, corporatization, rationalization, service outsourcing, teleradiology, workflow modularization, and commoditization are reshaping practice. This article defines the emerging issues; an earlier article in the May 2011 issue described possible improvement actions. The issues that could threaten the quality use of imaging for all countries include workforce shortage; increased utilization, population radiation exposure, and cost; practice changes; and efficiency drive and budget constraints. In response to these issues, a range of quality improvement measures, strategies, and actions are used to maximize the benefits and minimize the risks. The 3 measures are procedure justification, optimization of image quality and radiation protection, and error prevention. The development and successful implementation of such improvement actions require leadership, collaboration, and the active participation of all stakeholders to achieve the best outcomes that we all advocate. Copyright © 2011 American College of Radiology. Published by Elsevier Inc. All rights reserved.

Special Interests and Transnational Relations in Agricultural Trade: Implications for United States-Mexico Relations,

DTIC Science & Technology

1980-01-01

their livelihood. U.S. consumers in- directly beccme members of this alliance because their interest in taste, nutrition and price leads them to...factor arises when U.S. consumer groups become involved in the issue. Three elements trigger consumer defense of Mexican tomato imports: price, nutrition ...addition, some consumers prefer Mexican tomatoes because they are vine-ripened, a process utilizing more labor but producing more nutritional and more

[Results and prospects of the guarantee of sanitary-epidemiological welfare of population of the Russian Federation].

PubMed

2012-01-01

The issues of further development of scientific and methodological basis of the guarantee of sanitary-epidemiological welfare of population of the Russian Federation are highlighted in accordance with the implementation of the Concept of the activity of the Federal Service for the Oversight of Consumer Protection and Welfare until 2015. Features of this work over the past 5 years have been characterized, they include: changes in the structure of the objects under surveillance; integration processes in the economy of the country rise of attention to social problems of society strengthening the influence of epidemiological and natural man-made disasters in the world and the country, improvement of the supervisory authorities of the Service, the formation of its new structure and development of legislative assembly, including sanitary legislation.

Proactive replica checking to assure reliability of data in cloud storage with minimum replication

NASA Astrophysics Data System (ADS)

Murarka, Damini; Maheswari, G. Uma

2017-11-01

The two major issues for cloud storage systems are data reliability and storage costs. For data reliability protection, multi-replica replication strategy which is used mostly in current clouds acquires huge storage consumption, leading to a large storage cost for applications within the loud specifically. This paper presents a cost-efficient data reliability mechanism named PRCR to cut back the cloud storage consumption. PRCR ensures data reliability of large cloud information with the replication that might conjointly function as a price effective benchmark for replication. The duplication shows that when resembled to the standard three-replica approach, PRCR will scale back to consume only a simple fraction of the cloud storage from one-third of the storage, thence considerably minimizing the cloud storage price.

Obtaining P3P privacy policies for composite services.

PubMed

Sun, Yi; Huang, Zhiqiu; Ke, Changbo

2014-01-01

With the development of web services technology, web services have changed from single to composite services. Privacy protection in composite services is becoming an important issue. P3P (platform for privacy preferences) is a privacy policy language which was designed for single web services. It enables service providers to express how they will deal with the privacy information of service consumers. In order to solve the problem that P3P cannot be applied to composite services directly, we propose a method to obtain P3P privacy policies for composite services. In this method, we present the definitions of Purpose, Recipient, and Retention elements as well as Optional and Required attributes for P3P policies of composite services. We also provide an instantiation to illustrate the feasibility of the method.

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.

The Consumer and His Dollars: A Workbook and Study Guide.

ERIC Educational Resources Information Center

Finegan, Marcella E.

This workbook and study guide for a money management curriculum in consumer education was written to accompany the textbook "The Consumer and His Dollars" and a teacher's guide, both announced in this issue as VT 017 179 and VT 017 177. Included are 16 chapters, each containing worksheets perforated for easy removal. Chapter highlights,…

American Council on Consumer Interests Annual Conference Proceedings (33rd, Denver, Colorado, April 1-4, 1987).

ERIC Educational Resources Information Center

Hampton, Vickie L., Ed.

The following education-related papers are among the 91 papers included in these proceedings: (1) "Recent Trends in the Historiography of Consumption" (Pope); (2) "Thinking Critically in the Teaching of Consumer Issues" (Copa, Schuler); (3) "Recent Research in Consumer Education Utilizing Innovative Methodologies" (Hall); (4) "Justice and Consumer…

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

Code of Federal Regulations, 2010 CFR

2010-07-01

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

40 CFR 721.10048 - Substituted anthraquinone (generic).

Code of Federal Regulations, 2010 CFR

2010-07-01

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

40 CFR 59.207 - Test methods.

Code of Federal Regulations, 2012 CFR

2012-07-01

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

40 CFR 59.207 - Test methods.

Code of Federal Regulations, 2010 CFR

2010-07-01

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

40 CFR 59.207 - Test methods.

Code of Federal Regulations, 2014 CFR

2014-07-01

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

40 CFR 59.207 - Test methods.

Code of Federal Regulations, 2011 CFR

2011-07-01

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

40 CFR 59.207 - Test methods.

Code of Federal Regulations, 2013 CFR

2013-07-01

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

Impact of direct-to-consumer advertising (DTCA) on patient health-related behaviors and issues.

PubMed

Polen, Hyla H; Khanfar, Nile M; Clauson, Kevin A

2009-01-01

The pharmaceutical industry spends billions of dollars annually on direct-to-consumer advertising (DTCA). Patient perspectives on the impact of televised DTCA on health-related behaviors and issues were assessed by means of a 68-question survey. 58.6% of respondents believed that DTCA allowed consumers to have a more active role in managing their health. However, 27.6% felt DTCA caused confusion, and an alarming 17.8% of respondents stopped taking their medication because of concerns about serious side effects mentioned in DTCA. Overall, participants believed DTCA plays a useful role in health self-management; however, a considerable percentage thought that the cost outweighs the benefits.

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

DTIC Science & Technology

1981-07-24

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

Users/consumers differences regarding ergonomics and design theory and practice.

PubMed

Dejean, Pierre-Henri; Wagstaff, Peter

2012-01-01

This paper presents the concept of direct and indirect users, a key issue to cooperation between ergonomists, designers and managers involved in a sustainable approach to design. What issues for Ergonomics and Design are launched by this concept? User/consumer differences should be approached taking into account Ergonomics and Design theory and practice. What dialogue and tools could help the ergonomist/designer/manager to respond to all the requirements of the future clients of the product?

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

PubMed

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

2015-01-01

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

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

ERIC Educational Resources Information Center

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

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

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

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

PubMed

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

2018-05-28

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

Issues around radiological protection of the environment and its integration with protection of humans: promoting debate on the way forward.

PubMed

Brownless, G P

2007-12-01

This paper explores issues to consider around integrating direct, explicit protection of the environment into the current system of radiological protection, which is focused on the protection of humans. Many issues around environmental radiological protection have been discussed, and ready-to-use toolboxes have been constructed for assessing harm to non-human biota, but it is not clear how (or even if) these should be fitted into the current system of protection. Starting from the position that the current approach to protecting the environment (namely that it follows from adequately protecting humans) is generally effective, this paper considers how explicit radiological protection of the environment can be integrated with the current system, through developing a 'worked example' of how this could be done and highlighting issues peculiar to protection of the environment. The aim of the paper is to promote debate on this topic, with the ultimate aim of ensuring that any changes to the system are consensual and robust.

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

Code of Federal Regulations, 2010 CFR

2010-10-01

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

Consumer Competency Means High School Diploma in Omaha School

ERIC Educational Resources Information Center

Carlock, LaNeta L.

1977-01-01

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

Multiple organ failure - death of consumer protection?

PubMed

Steinman, H A; Jobson, M R

2010-07-15

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

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

ERIC Educational Resources Information Center

McNeil, Kenneth; Miller, Richard E.

1980-01-01

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