Tag: Real Estate and Mortgages

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You’ve seen the sentence when the FTC announces that it’s thinking about putting a new rule in place or changing what’s already on the books: “Interested parties are invited to submit comments. . . .”.  The alphabet soup of the administrative process can be a bit daunting at first:...
According to news reports, hackers recently accessed the database of Epsilon, a large marketing company that sends emails on behalf of banks, stores and other businesses.  Was your company an Epsilon client?  If so, the stolen information could make it easier for crooks to send...
Consumers have found their voice.  And last year they raised it more than 1.3 million times to complain about identity theft, fraud, and products that didn’t live up to the advertising hype.
Break out the bubbly and raise a toast:  It's National Consumer Protection Week.  NCPW is an annual campaign sponsored by the FTC and nearly 30 other federal agencies, consumer groups, and advocacy organizations, in conjunction with state, county, and local government offices that...
Of course, no legitimate business would put out a welcome mat for crooks.  But as the FTC’s data security cases make clear, that’s the effect when companies fail to take reasonable steps to secure sensitive information in their possession — or data they allow others to access.  Three...
America’s homeowners just gained new protections.  While parts of the Mortgage Assistance Relief Service (MARS) Rule requiring disclosures in advertising and other communications went into effect on December 29, 2010, the ban on upfront fees kicked in on January 31st.  Now, companies...
You've just opened an invoice for office supplies you didn't order or for a listing in a business directory. It’s the same invoice you got last week – but this one is stamped "Past Due." Perhaps one of your colleagues says there's someone hounding her on the phone, demanding payment...
If your company keeps sensitive data like Social Security numbers, credit reports, account numbers, health records, or business secrets, you’ve probably instituted safeguards to protect that information, whether it’s stored in computers or on paper. That’s great.  But it’s time to...
Today the FTC announced the new Mortgage Assistance Relief Services (MARS) Rule, putting in place sweeping changes to protect homeowners from scams that have fallen on the heels of the mortgage crisis.
Homeowners will be protected by a new Federal Trade Commission rule that bans providers of mortgage foreclosure rescue and loan modification services from collecting fees until homeowners have a written offer from their lender or servicer that they decide is acceptable.
Does your business have a wireless network?  Do you or your employees ever use wifi to catch up on work from home?  Think about all the data that could be transmitted over your wireless network – credit card numbers, bank account information, business secrets.  You probably don’t...
This is National Chemistry Week. It’s also National School Bus Week. And be sure to wish members of Team Jacob a happy National Wolf Awareness Week. But for most business travelers, the annual observance that really hits home – or the road – is National Protect Your Identity Week,...
In the holiday classic "Miracle on 34th Street," optimists and skeptics debated the existence of Kris Kringle. Nobody would liken effective advertising self-regulation to Santa Claus, but the National Advertising Division of the Council of Better Business Bureaus (NAD) – located on...
Many homeowners are struggling to keep the financial roof from caving in – and questionable claims in mortgage ads make it even tougher to do. Continuing its fight against deception in mortgage advertising, the FTC has proposed a rule that would ban misrepresentations and would allow...
The Federal Trade Commission moved to further strengthen its longstanding enforcement program aimed at preventing deceptive mortgage advertising, proposing a rule that would ban misrepresentations for all mortgages and would allow the FTC and the states to seek civil penalties against those who...

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