Consumer Protection Laws and Administration

Consumer Protection Laws and Administration

1. Federal Trade Commission Established: 1914 Commissioners: 5

   • Consumer Credit: Credit advertising; Fair Credit Reporting Act; Fair Debt Collection Practices Act; Equal Credit Opportunity Act.
   • Unfairness, Deception, and Fraud: Advertising; unfair or deceptive sales practices; identity theft.
   • Consumer Health and Safety: Privacy.

2. Consumer Financial Protection Bureau (Federal Reserve Board) Established: 2010 Director: 1

   • Consumer Credit: Credit advertising.
   • Unfairness, Deception, and Fraud: Consumer credit terms, including home mort- gages; education.

3. Food and Drug Administration (U.S. Department of Health and Human Services) Established: 1930 Commissioner: 1

   • Consumer Health and Safety: Labeling of food (except meat, poultry, and eggs), drugs, and cosmetics; adulterated food and cosmetics; approval of drugs and medical devices; tobacco; domes- tic and international product quality and safety.

4. U.S. Department of Agriculture Established: 1862

   • Consumer Health and Safety: Labeling of meat, poultry, and eggs; inspection of meat, poultry, and egg processing facilities.

5. National Highway Traffic Safety Administration (NHTSA) (U.S. Department of Transportation) Established: 1970 Administrator: 1

   • Consumer Health and Safety: Automobile safety standards; driver and highway safety.

6. Consumer Product Safety Commission Established: 1972 Commissioners: 3

   • Consumer Health and Safety : Consumer Product Safety Act (CPSA) protect consumers from risk of injury or death from prod- ucts such as toys, cribs, power tools, cigarette lighters, and household chemicals.

7. Consumer Product Safety Commission Established: 1972 Commissioners: 3

8. Federal Communications Commission Established: 1934 Commissioners: 5

   • Unfairness, Deception, and Fraud: Telemarketing.
   • Broadcast and Internet standards: Broadcast and Internet standards.

9. U.S. Postal Service Established: 1775 Reorganized: 1970

   • Unfairness, Deception, and Fraud: Sales practices.

10. Securities and Exchange Commission Established: 1934 Commissioners: 5

    • Unfairness, Deception, and Fraud: Securities fraud, insider trading, disclosure requirements, regulation of broker-dealers and exchanges.

11. Federal Reserve Board Established: 1913 Governors: 7

    • Consumer Credit: Truth in Lending Act (Regulation Z); Consumer Leasing Act (Regulation M); Equal Credit Opportunity Act (Regulation B); Electronic Fund Transfer Act (Regulation E).

12. U.S. Department of Labor Established: 1913

    • Consumer Credit: Garnishment of wages.

13. Bankruptcy courts

    • Chapter 13 consumer bankruptcy.

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