This year eight major league baseball teams are celebrating milestone anniversaries – and so are the FTC’s regional offices. In 1918, the Commission opened the first three of its regional offices. Today, eight regional offices continue to knock it out the park on behalf of America’s consumers. So it’s only fitting that on this momentous day we acknowledge the regional offices’ century of pennant-winning performances.
Thanks to a new federal law, free credit freezes and year-long fraud alerts are here, starting September 21st. What does that mean for your customers and employees?
Free credit freezes
Security freezes, also known as credit freezes, restrict access to a consumer’s credit file, making it harder for identity thieves to open new accounts in the consumer’s name. Starting September 21st, consumers can freeze and unfreeze their credit file for free. They also can get free freezes for their children.
“A guy walks into a bar . . . .” It’s a typical set-up for a stand-up comedian, but we never thought it would be the opener about a proposed FTC settlement involving unproven treatment claims for serious diseases.
We’ll grudgingly give this to Innovative Paycheck Solutions and FakePayStubOnline.com.
As the song goes, “A house is not a home.” And as alleged in an FTC lawsuit against the operators of rental listing websites, sometimes an apartment isn’t an apartment.
The FTC just announced a Made in USA hat trick: two proposed settlements and a final order arising from allegedly deceptive claims by a New York hockey puck seller, a California-based backpack business, and an online mattress company. The message for marketers? Given the importance of country-of-origin representations to many consumers, companies can expect the FTC to call offsides on misleading Made in USA claims.
Court orders against 13 related corporate and individual defendants involved in a Georgia-based debt collection operation bring to mind the 1980s chart-topping group from Australia, Crowded House. That’s because now that Advanced Mediation Group’s enterprise has been shuttered, the FTC’s “house” of individuals and corporations banned for life from the debt collection industry just got a little more crowded.
Where do people go when considering careers in the military? Online, of course. Based on the search terms they selected, they often found themselves on sites like army.com, armyenlist.com, and similar URLs for other branches of the service. But according to an FTC complaint against Sun Key Publishing, Fanmail.com, and related defendants, what was going on behind the scenes of those sites will surprise you.
When an emergency strikes, your business’s most vulnerable asset may not be in the stockroom or warehouse. It could be the data that has been central to your success. September is National Preparedness Month. The FTC has six steps you can take to help protect your company’s information from the unpredictable.
Thinking about replacing a company car or truck? Unless you take some security steps before selling the vehicle, you could be leaving behind a water bottle or two, some change under the seat – and a massive amount of corporate and personal data.
Food experts don’t recommend it for your ground chuck or pork shoulder, but starting September 21, 2018, there’s something consumers can safely freeze, unfreeze, and then freeze again.
It’s their credit file.
The marketers behind a purported money-making promotion called Sellers Playbook appear to have skipped the chapter about complying with federal and state consumer protection laws. That’s the allegation in a complaint filed by the FTC and the Minnesota Attorney General. In addition, it’s the FTC’s first case charging violations of the Consumer Review Fairness Act.
Whether it’s a slimmer waist or an imaginary yacht superimposed in the background, we’re all familiar with the dramatic changes that retouching can make to a photo. A lawsuit the FTC has filed against Tate’s Auto Group and related companies alleges – among other things – that the defendants substantially “retouched” the financial circumstances of customers trying to finance cars.
If it looks like a duck and quacks like a duck, it’s probably a duck. But the same can’t be said for a mailer that looks like an official invoice. It could be an “o-fishy-al” offer that deceptively mimics the appearance of a government document.
This will be the day
That you will hear me say
Read the F-R-N
There isn’t an actual procedure called an honest-ectomy. But when you hear allegations about scammers who solicit donations for veterans’ charities and then pocket the contributions, you’ve got to wonder.
So we went used car shopping recently – the FTC and 12 other law enforcement agencies. We visited 94 dealerships in 20 cities across the country. Yes, we saw some low-mileage cream puffs, but that’s not what we were in the market for. We wanted to see if dealerships were displaying the revised Buyers Guide required as of January 28, 2018. The results proved interesting.
When the legendary Patti Page sang, “How much is that doggie in the window?” she couldn’t have guessed that six decades later, the answer might depend on whether a consumer buys or leases a pet.
The scheme started with a Craigslist ad for a rental property and ended with a $5.2 million judgment for violations of the FTC Act, the Restore Online Shoppers’ Confidence Act, the Fair Credit Reporting Act, and the Free Annual File Disclosures Rule.
Like the three sides of a triangle, ROSCA – the Restore Online Shoppers’ Confidence Act – has three basic compliance requirements for online sellers who enroll consumers in continuity plans, often known as negative options. The law bans online negative options unless the seller: 1) clearly discloses all material terms of the deal before obtaining a consumer’s billing information; 2) gets the consumer’s express informed consent before making the charge; and 3) provides a simple mechanism for stopping recurring charges.