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FTC and CRTC: Standing on guard for consumers

Whether it’s mowing that extra patch of grass or alerting each other to an iffy-looking lurker, there’s a sense of security when next-door neighbors enjoy a cooperative relationship. The same holds true for international neighbors, as a new Memorandum of Understanding between the FTC and the Canadian Radio-television and Telecommunications Commission (CRTC) demonstrates.

Do not buy, sell, or collect on these debts

We’ve learned that portfolios of alleged payday loan debts serviced by AMG Services are circulating in the debt collection marketplace. The alleged lenders are USFastCash, 500FastCash, OneClickCash, Ameriloan, United Cash Loans, AdvantageCashServices, and StarCashProcessing. But these alleged debts are bogus. The consumers do not owe the alleged debts, and the lenders have never authorized, assigned, or sold any of their loans for third-party collection. 

Letters to app developers caution against info surprises

There could be exceptions to the rule – maybe an unexpected bonus or an out-of-the-blue call from a friend – but as a general proposition, people don’t like surprises. As letters the FTC staff just sent to mobile app developers suggest, people really don’t like surprises about the information their apps gather. And the kind of data those apps had the capacity to collect may come as a surprise even to savvy industry members.

Vacation Station, lead generation, and your Do Not Call obligation

Of course, robocalls are a major annoyance for consumers. But anyone who works from home knows how illegal robocalls can cut into productivity, too. An FTC settlement with an outfit doing business as USA Vacation Station offers insights into the economics of robocalling and how the FTC’s concerns dovetail ongoing issues involving lead generation.

Weeding out deceptive and unfair data practices

Ask any gardener and they’ll tell you it’s a fool’s errand to lop weeds off at the surface. You also have to target the root system that allows them to propagate in the first place. That’s one of the messages to take from a judgment in the FTC’s case against Ideal Financial Solutions, Inc., and previous actions against data brokers and others who lent their green thumbs to Ideal’s large-scale consumer scam.

Celebrating Women’s History Month at the FTC

 “Oh, if I could but live another century and see the fruition of all the work for women. There is so much yet to be done.” – Suffragist Susan B. Anthony (1820-1906)

The consumer movement, trust-busting, the women’s movement, and the work of the FTC have traveled parallel (and often intersecting) paths. Women’s History Month offers us a chance to consider the contribution women have made to the mission of the FTC and the unprecedented moment in women’s history we’re witnessing at the FTC today.

Suspension and prevention: The story behind suspended judgments

It’s a phrase you see every now and then in announcements about FTC settlements: “The order includes a $___  judgment, which has been partially suspended based on the defendants’ inability to pay.” What happens if it turns out the defendants weren’t telling the truth about their financial condition? A ruling by a federal judge in Arizona explains the consequences.

Top 10 consumer complaint categories: Is your industry on the list?

Usually a Top 10 list is something industries are delighted to find themselves on. So we’ll call this one a Flop 10 list, the FTC’s annual report about consumer complaints added in 2015 to the Consumer Sentinel database. How did your industry – and your state – rank in reported complaints?

First, the box score:

Start with Security: Lights, Camera, Action

It’s Red Carpet Season. There isn’t an Academy presenting awards for Two-Minute Videos Most Likely to Help Businesses Start with Security. (The engraving wouldn’t fit on the statuette anyway.)  But if there were, submitted for your consideration are our nominees in ten categories – and the debut of a new production. 

Best short feature.  We’re fans of Start with Security. It explains the basics of building security into the culture of your company.

ASUS case suggests 6 things to watch for in the Internet of Things

The router is Grand Central Station for home technology. It manages the connections between all of the smart devices in the home, from the computer in the den and tablet on the coffee table, to the smart thermostat on the wall and internet-connected baby monitor in the nursery. Consumers expect that route to be a limited access highway with the router forwarding data securely while blocking unauthorized access.

Dealing in personal data? Seller beware.

If your company is in the business of pretzels or pitchforks, what you’re selling and who you’re selling to may not be a big deal. But if your stock-in-trade is personal information – sensitive stuff like people’s Social Security and bank account numbers – what’s reasonable under the circumstances may be different. That’s the message companies can take from the FTC’s settlement of a pending complaint against data broker LeapLab.

When teamwork helps the scheme work

Remember the scene in the movie “Bull Durham” where veteran Crash Davis is prepping rookie Nuke LaLoosh for a TV interview and schools him on clichés about teamwork? “I’m just happy to be here. Hope I can help.” They don’t just apply to baseball. Most enterprises rely on help from others on the team. Unfortunately for consumers, that includes questionable outfits that need another company’s help to accept credit cards.

5 steps to help protect your business from a supplies surprise

You’ve got lots of needs as a business owner – among them, supplies you rely on from square-dealing vendors. But what if the vendor misleads your staff about the price or quantity of those supplies, hits you with a huge invoice you didn’t authorize, and then tries to pressure you into paying it? Those are just some of the sales tactics the FTC is challenging in recent law enforcement actions.

The gift that keeps on taking

According to the musical “Grease,” some things go together like “rama lama lama ka dinga da dinga dong.” Some other things go together, too. They’re easier to pronounce, but do much more harm to consumers. What do we have in mind?

Bogus weight loss claims and deceptive “free” trial offers. 

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