Legal Resources

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.

Protecting Consumers in the New Mortgage Marketplace

May 24, 2006

Workshop exploring consumer protection issues arising from the emergence of "nontraditional" or "alternative" mortgage products in the United States residential mortgage marketplace.

College Scholarship Fraud Prevention Act Report - 2006

May 1, 2006

Fifth annual report from the FTC, the Department of Justice, and the Department of Education describing efforts to combat scholarship and financial aid fraud in 2005.

Fair Debt Collection Practices Act Annual Report – 2006

April 14, 2006

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.

Financial Acts Enforcement Report to the Federal Reserve Board - 2005

January 26, 2006

Annual report to the Federal Reserve Board on FTC enforcement activities in 2005 related to the Truth in Lending Act, Consumer Leasing Act, Equal Credit Opportunity Act, and Electronic Fund Transfer Act.

Fair Debt Collection Practices Act Annual Report - 2005

July 29, 2005

Report to Congress summarizing the administrative and enforcement actions taken in 2004 under the Fair Debt Collection Practices Act aiming to curtail abusive, deceptive, and unfair debt collection practices in the marketplace.

College Scholarship Fraud Prevention Act Report - 2005

May 3, 2005

Fourth annual report from the FTC, the Department of Justice, and the Department of Education describing efforts to combat scholarship and financial aid fraud in 2004.

Effectiveness of "Opt-Out" Disclosures In Pre-Screened Credit Card Offers: A Report Submitted to the Commission

July 27, 2004

An FTC-commissioned consumer study which shows that opt-out notices that would be required by the proposed rule are significantly more effective than notices currently used to notify consumers of their opt-out right.

College Scholarship Fraud Prevention Act Report - 2004

May 3, 2004

Third annual report from the FTC, the Department of Justice, and the Department of Education describing efforts to combat scholarship and financial aid fraud in 2003.

Fair Debt Collection Practices Act Annual Report - 2004

March 23, 2004

Report to Congress summarizing the administrative and enforcement actions taken in 2003 under the Fair Debt Collection Practices Act aiming to curtail abusive, deceptive, and unfair debt collection practices in the marketplace.

Effect of Mortgage Broker Compensation Disclosures on Consumers and Competition: A Controlled Experiment

February 27, 2004

Report presents the results of a study that examines the mortgage broker compensation disclosure proposed by HUD, as well as two alternative versions.

Financial Acts Enforcement Report to the Federal Reserve Board - 2003

December 29, 2003

Annual report to the Federal Reserve Board on FTC enforcement activities in 2003 related to the Truth in Lending Act, Consumer Leasing Act, Equal Credit Opportunity Act, and Electronic Fund Transfer Act.

College Scholarship Fraud Prevention Act Report - 2003

May 5, 2003

Second annual report from the FTC, the Department of Justice, and the Department of Education describing efforts to combat scholarship and financial aid fraud in 2002.

Fair Debt Collection Practices Act Annual Report - 2003

April 11, 2003

Report to Congress summarizing the administrative and enforcement actions taken in 2002 under the Fair Debt Collection Practices Act aiming to curtail abusive, deceptive, and unfair debt collection practices in the marketplace.

College Scholarship Fraud Prevention Act Report - 2002

May 1, 2002

First annual report from the FTC, the Department of Justice, and the Department of Education describing efforts to combat scholarship and financial aid fraud in 2001.

Fair Debt Collection Practices Act Annual Report - 2002

February 12, 2002

Report to Congress summarizing the administrative and enforcement actions taken in 2001 under the Fair Debt Collection Practices Act aiming to curtail abusive, deceptive, and unfair debt collection practices in the marketplace.

Mobile Wireless Web, Data Services and Beyond: Emerging Technologies and Consumer Issues Report

January 3, 2002

Summary report from workshop examining emerging wireless Internet and data technologies and the privacy, security, and consumer protection issues they raise.

Electronic Signatures in Global and National Commerce Workshop

April 3, 2001

Workshop gathering information to report to Congress on the benefits and burdens of a section of the Electronic Signatures in Global and National Commerce Act that authorizes use of an electronic record to send legally required information to consumers under certain circumstances.

Predatory Lending Forum

April 3, 2001

Forum convened consumer advocates, bankers, state and federal regulators, and New York homeowners and senior citizens to explore legislative, legal and community-based initiatives to combat predatory lending.