Statutes Enforced or Administered by the Commission

The Commission has enforcement or administrative responsibilities under more than 70 laws. They are grouped here in three categories: (a) Statutes relating to both the competition and consumer protection missions; (b) statutes relating principally to the competition mission; and (c) statutes relating principally to the consumer protection mission.

The Federal Trade Commission Act is the primary statute of the Commission. Under this Act, the Commission is empowered, among other things, to (a) prevent unfair methods of competition, and unfair or deceptive acts or practices in or affecting commerce; (b) seek monetary redress and other relief for conduct injurious to consumers; (c) prescribe trade regulation rules defining with specificity acts or practices that are unfair or deceptive, and establishing requirements designed to prevent such acts or practices; (d) conduct investigations relating to the organization, business, practices, and management of entities engaged in commerce; and (e) make reports and legislative recommendations to Congress.

Displaying 21 - 40 of 72

Energy Policy and Conservation Act

Mission:

Competition

Consumer Protection

Rule/Law:

42 U.S.C. §§ 6201-6422, as amended

This Act (a) directs the Commission and the Justice Department to: participate in developing, implementing, and monitoring voluntary agreements and plans established by oil companies to deal with emergency international oil shortages (Section 252, 42 U.S.C. § 6272);(1) (b) requires the Commission to issue regulations providing that certain household appliances must bear labels showing the products' "energy efficiency ratings" (Section 324, 42 U.S.C. § 6294); (c) vests the Commission under 15 U.S.C.

Equal Credit Opportunity Act

Mission:

Consumer Protection

Rule/Law:

15 U.S.C. §§ 1691-1691f, as amended

This Act (Title VII of the Consumer Credit Protection Act) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit.

Fair and Accurate Credit Transactions Act of 2003

Mission:

Consumer Protection

Rule/Law:

codified to 15 U.S.C. §§ 1681-1681x, as amended

This Act, amending the Fair Credit Reporting Act (FCRA), adds provisions designed to improve the accuracy of consumers' credit-related records. It gives consumers the right to one free credit report a year from the credit reporting agencies, and consumers may also purchase for a reasonable fee a credit score along with information about how the credit score is calculated. The Act also adds provisions designed to prevent and mitigate identity theft, including a section that enables consumers to place fraud alerts in their credit files.

Fair Credit and Charge Card Disclosure Act

Mission:

Consumer Protection

Rule/Law:

codified in scattered sections of the U.S. Code, particularly 15 U.S.C. 1637(c)-(g)

This Act, amending the Truth in Lending Act, requires credit and charge card issuers to provide certain disclosures in direct mail, telephone and other applications and solicitations to open-end credit and charge accounts and under other circumstances.

Fair Credit Billing Act

Mission:

Consumer Protection

Rule/Law:

15 U.S.C. 1666-1666j

This Act, amending the Truth in Lending Act, requires prompt written acknowledgment of consumer billing complaints and investigation of billing errors by creditors. The amendment prohibits creditors from taking actions that adversely affect the consumer's credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer's account, and either refund overpayments or credit them to the consumer's account.

Fair Credit Reporting Act

Mission:

Consumer Protection

Rule/Law:

15 U.S.C. §§ 1681-1681u, as amended

The Act protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report cannot be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. Also, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Fair Debt Collection Practices Act

Mission:

Consumer Protection

Rule/Law:

15 U.S.C. §§ 1692-1692o, as amended

Under this Act (Title VIII of the Consumer Credit Protection Act), third-party debt collectors are prohibited from employing deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. Such collectors may not, for example, contact debtors at odd hours, subject them to repeated telephone calls, threaten legal action that is not actually contemplated, or reveal to other persons the existence of debts.

Fair Packaging and Labeling Act

Mission:

Consumer Protection

Rule/Law:

80 Stat. 1296, 15 U.S.C. §§ 1451-1461

This Act directs the Commission to issue regulations requiring that all consumer commodities other than food, drugs, therapeutic devices, and cosmetics be labeled to disclose net contents, identity of commodity, and name and place of business of the product's manufacturer, packer, or distributor. The Act authorizes additional regulations where necessary to prevent consumer deception (or to facilitate value comparisons) with respect to descriptions of ingredients, slack fill of packages, use of "cents-off" or lower price labeling, or characterization of package sizes.

Fairness to Contact Lens Consumers Act

Mission:

Competition

Consumer Protection

Rule/Law:

15 U.S.C. §§ 7601-7610

This Act provides for the availability of contact lens prescriptions to patients and authorizes the FTC to prescribe rules to implement the Act (codified at 16 C.F.R. Part 315). The Act also requires the FTC to study the strength of competition in the sale of prescription contact lenses and to report its findings to Congress.

Family Smoking Prevention and Tobacco Control Act

Mission:

Consumer Protection

Rule/Law:

Pub. L. 111-31, 123 Stat. 1776, Division A, codified at 15 U.S.C. §§ 1331-1340, 15 U.S.C. §§ 4401-4408, 21 U.S.C. §§ 387-387u

This Act, amending the Food, Drug, and Cosmetics Act (Pub. L. No. 75-717, 52 Stat. 1040), as well as the Federal Cigarette Labeling and Advertising Act and the Comprehensive Smokeless Tobacco Health Education Act (see below), provides the Department of Health and Human Services with authority to regulate the manufacture, marketing and distribution of tobacco products to protect the public health generally and to reduce tobacco use by minors.

Federal Cigarette Labeling and Advertising Act of 1966

Mission:

Consumer Protection

Rule/Law:

15 U.S.C. §§ 1331-1340, as amended

The Cigarette Act, as amended by the Comprehensive Smoking Education Act of 1986 and the Family Smoking Prevention and Tobacco Control Act (see below), currently requires manufacturers, packagers, and importers of cigarettes to place one of four statutorily-prescribed health-related warnings on cigarette packages and in advertisements, on a rotating basis.

Federal Deposit Insurance Corporation Improvement Act of 1991

Mission:

Consumer Protection

Rule/Law:

Pub. L. No. 102-242, codified in relevant part at 12 U.S.C. § 1831t, as amended

Section 151 of this Act (adding section 43 of the Federal Deposit Insurance Act), as amended by the Financial Services Regulatory Relief Act of 2006 (Pub. L. 109-352, 120 Stat. 2011) requires non-federally insured depository institutions to disclose in certain locations, documents, and advertising that the institution is not federally insured. The section requires issuance of a rule prescribing the manner and content of those disclosures.

Federal Trade Commission Act

Mission:

Competition

Consumer Protection

Rule/Law:

15 U.S.C. §§ 41-58, as amended

Under this Act, the Commission is empowered, among other things, to (a) prevent unfair methods of competition, and unfair or deceptive acts or practices in or affecting commerce; (b) seek monetary redress and other relief for conduct injurious to consumers; (c) prescribe trade regulation rules defining with specificity acts or practices that are unfair or deceptive, and establishing requirements designed to prevent such acts or practices; (d) conduct investigations relating to the organization, business, practices, and management of entities engaged in commerce; and (e) make reports and le

Fur Products Labeling Act

Mission:

Consumer Protection

Rule/Law:

15 U.S.C. §§ 69-69j, as amended

This statute requires that articles of apparel made of fur be labeled, and that invoices and advertising for furs and fur products specify, among other things, the true English name of the animal from which the fur was taken, and whether the fur is dyed or used. The Act also requires the Commission to issue a Fur Product Name Guide. The statute was amended by the Truth in Fur Labeling Act of 2010 (Pub. L. 111-313, 124 Stat.

Gramm-Leach-Bliley Act

Mission:

Consumer Protection

Rule/Law:

Pub. L.106-102, 113 Stat.1338, codified in relevant part at 15 U.S.C. §§ 6801-6809 and §§ 6821-6827, as amended

Title V, subtitle A, of this Act requires the FTC, along with several other agencies, to issue regulations (see 16 CFR Part 313) ensuring that financial institutions protect the privacy of consumers' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually and before disclosing any consumer's personal financial information to an unaffiliated third party, must give notice and an opportunity for that consumer to "opt out" from such disclosure.

Hart-Scott-Rodino Antitrust Improvements Act of 1976

Mission:

Competition

Rule/Law:

15 U.S.C. § 18a, as amended

This Act amended the Clayton Act by requiring companies to file premerger notifications with the Federal Trade Commission and the Antitrust Division of the Justice Department. The Act establishes waiting periods that must elapse before certain acquisitions or tender offers may be consummated and authorizes the enforcement agencies to stay those periods until the companies provide certain additional information about the proposed transaction. 2001 Amendments

Health Information Technology ("HITECH") Provisions of American Recovery and Reinvestment Act of 2009, Title XIII, Subtitle D

Mission:

Consumer Protection

Rule/Law:

Pub. L. 111-5, 123 Stat. 115, codified in relevant part at 42 U.S.C. §§ 17937 and 17954

This Act directs the FTC to issue a rule requiring entities that obtain consumers' personal information but are not subject to the Health Insurance Portability & Accountability Act ("HIPAA") (Pub. L. No. 104-191, 110 Stat. 1936 (1996)), such as many vendors of personal health records and third party service providers, to notify affected individuals and the FTC (which notifies the Secretary of Health and Human Services) in the event of a data breach or inadvertent disclosure of unsecured identifiable health information in personal health records.

Hobby Protection Act

Mission:

Consumer Protection

Rule/Law:

16 U.S.C. §§ 2101-2106

This Act outlaws manufacturing or importing imitation numismatic and collectible political items unless they are marked in accordance with regulations prescribed by the Federal Trade Commission.

Home Equity Loan Consumer Protection Act

Mission:

Consumer Protection

Rule/Law:

codified in scattered sections of the U.S. Code, particularly 15 U.S.C. §§ 1637 and 1647

This Act, amending the Truth in Lending Act, requires creditors to provide certain disclosures for open-end credit plans secured by the consumer's dwelling and imposes substantive limitations on such plans.

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