Legal Resources

Financial Acts Enforcement Report to the Federal Reserve Board - 2007

March 8, 2010

Annual report to the Federal Reserve Board on FTC enforcement activities in 2007 related to the Truth in Lending Act, Consumer Leasing Act, Equal Credit Opportunity Act, and Electronic Fund Transfer Act.

Financial Acts Enforcement Report to the Federal Reserve Board - 2009

January 21, 2010

Annual report to the Federal Reserve Board on FTC enforcement activities in 2009 related to the Truth in Lending Act, Consumer Leasing Act, Equal Credit Opportunity Act, and Electronic Fund Transfer Act.

Fraud Forum Report

December 29, 2009

Staff report that examines more effective ways to protect consumers from fraudulent schemes and focus the collective knowledge and experience of forum participants to fight fraud.

Protecting Consumers in Debt Collection Litigation and Arbitration: A Roundtable Discussion

December 4, 2009

Series of roundtables to examine consumer protection issues in debt collection proceedings against consumers.

Public Forum on Debt Relief Amendments to the Telemarketing Sales Rule

November 4, 2009

Forum about proposed debt relief amendments to the Commission’s Telemarketing Sales Rule that sought to combat deceptive and abusive telemarketing of debt relief services that claim to reduce consumer credit card debt and other unsecured debt.

College Scholarship Fraud Prevention Act Report - 2009

June 2, 2009

Eighth annual report from the FTC, the Department of Justice, and the Department of Education describing efforts to combat scholarship and financial aid fraud in 2008.

Fair Debt Collection Practices Act Annual Report - 2009

February 26, 2009

Report to Congress summarizing the administrative and enforcement actions taken in 2008 under the Fair Debt Collection Practices Act aiming to curtail abusive, deceptive, and unfair debt collection practices in the marketplace.

Collecting Consumer Debts: The Challenges of Change - A Federal Trade Commission Workshop Report

February 26, 2009

Following up on an October 2007 workshop, an FTC report recommending that the debt collection legal system be reformed and modernized to reflect changes in consumer debt, the debt collection industry, and technology

Financial Acts Enforcement Report to the Federal Reserve Board - 2008

January 22, 2009

Annual report to the Federal Reserve Board on FTC enforcement activities in 2008 related to the Truth in Lending Act, Consumer Leasing Act, Equal Credit Opportunity Act, and Electronic Fund Transfer Act.

Negative Option Marketing Report

January 1, 2009

Report presenting five marketing principles for avoiding deception in negative option offers on the Internet, which poses unique issues not present in print or telephone marketing.

Consumer Protection & the Debt Settlement Industry

September 25, 2008

Workshop exploring the growth of the for-profit debt settlement industry and analyzing how its model is affecting consumers and businesses.

Pay On The Go: Consumers and Contactless Payment

July 24, 2008

Town Hall meeting exploring the growth of contactless payment systems and their implications for consumer protection policy. This meeting built on a 2006 hearing which examined technological and business developments expected to shape consumers' experiences over the next ten years.

Beyond Voice: Mapping the Mobile Marketplace

May 6, 2008

Town Hall exploring the evolving mobile commerce (Mcommerce) marketplace and its implications for consumer protection policy. This meeting built on a 2006 hearing which examined technological and business developments expected to shape consumers' experiences over the next ten years.

College Scholarship Fraud Prevention Act Report - 2008

May 5, 2008

Seventh annual report from the FTC, the Department of Justice, and the Department of Education describing efforts to combat scholarship and financial aid fraud in 2007.

Fair Debt Collection Practices Act Annual Report – 2008

March 21, 2008

Report to Congress summarizing the administrative and enforcement actions taken in the preceding year under the Fair Debt Collection Practices Act aiming to curtail abusive, deceptive, and unfair debt collection practices in the marketplace.

Collecting Consumer Debts: The Challenges of Change

October 10, 2007

Workshop to explore changes in the debt collection industry and examine their impact on consumers and businesses, including the effects of technological, economic, and legal changes on the debt collection industry and whether the law has kept pace with the developments.

Improving Consumer Mortgage Disclosures: An Empirical Assessment of Current and Prototype Disclosure Forms

June 13, 2007

Bureau of Economics report presenting the results of a study that found that mortgage disclosure forms fail to convey key mortgage costs and terms to many consumers.

Fair Debt Collection Practices Act Annual Report - 2007

March 23, 2007

Report to Congress summarizing the administrative and enforcement actions taken in 2006 under the Fair Debt Collection Practices Act aiming to curtail abusive, deceptive, and unfair debt collection practices in the marketplace.

Financial Acts Enforcement Report to the Federal Reserve Board - 2006

January 26, 2007

Annual report to the Federal Reserve Board on FTC enforcement activities in 2006 related to the Truth in Lending Act, Consumer Leasing Act, Equal Credit Opportunity Act, and Electronic Fund Transfer Act.

Negative Option Marketing

January 25, 2007

Workshop to analyze the marketing of goods and services through offers with negative option features. The workshop addressed the pros and cons of such offers, discussed online marketing of such offers, and explored ways to make effective disclosures when such offers are made online.