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Rule Summary: The Fair Credit Reporting Act: Risk-Based Pricing Rule
Rule Summary: Children's Online Privacy Protection Rule ("COPPA")
COPPA imposes certain requirements on operators of websites or online services directed to children under 13 years of age, and on operators of other websites or online services that have actual knowledge that they are collecting personal information online from a child under 13 years of age.
Rule Summary: Use of Prenotification Negative Option Plans
Under these plans, sellers ship merchandise such as books, compact discs or tapes automatically to their subscribers, and bill them for the merchandise, if they do not expressly reject the merchandise within a prescribed time.
Rule Summary: Advertising of Warranties and Guarantees
The Advertising of Warranties and Guarantees Guides help advertisers avoid unfair or deceptive practices in the advertising of warranties and guarantees. The Guides provide examples of disclosures sufficient to convey to consumers the details of the warranty coverage and the meanings of various...
Rule Summary: Fair Packaging and Labeling Act
The Fair Packaging and Labeling Act (FPLA or Act), enacted in 1967, directs the Federal Trade Commission and the Food and Drug Administration to issue regulations requiring that all "consumer commodities" be labeled to disclose net contents, identity of commodity, and name and place of business of...
Rule Summary: Health Breach Notification Rule
The Rule requires vendors of personal health records and related entities to notify consumers following a breach involving unsecured information. In addition, if a service provider to one of these entities has a breach, it must notify the entity, which in turn must notify consumers. The Final Rule...
Rule Summary: Fair Credit Billing Act
Rule Summary: Nursery Guides
The Nursery Guides address numerous sales practices for outdoor plants, including deceptive claims as to quantity, size, grade, kind, species, age, maturity, condition, vigor, hardiness, growth ability, price, and origin or place where grown.
The offer of "Free" merchandise or service is a promotional device frequently used to attract customers. When making "Free" or similar offers all of the terms and conditions upon which one can receive and retain the “Free” item should be set forth clearly and conspicuously at the outset of the...
Rule Summary: Free Credit Report Rule
Rule Summary: Safeguards Rule
The Safeguards Rule requires financial institutions under FTC jurisdiction to have measures in place to keep customer information secure. In addition to developing their own safeguards, companies covered by the Rule are responsible for taking steps to ensure that their affiliates and service...
Rule Summary: Rebuilt, Reconditioned and Other Used Automobile Parts
The Guides prohibit misrepresentations that a part is new or about the condition, extent of previous use, reconstruction, or repair of a part. Previously used parts must be clearly and conspicuously identified as such in advertising and packaging, and, if the part appears new, on the part itself...
The Unavailability Rule prohibits food retailers from advertising products at a stated price unless the products are in stock and available during the effective period of the advertisement, or the ad discloses that supplies are limited or available only at some outlets. It is not a violation if the...
Rule Summary: The Fair Credit Reporting Act: Affiliate Marketing
Rule Summary: R-Value Rule
The R-value Rule (formally, the “Trade Regulation Rule Concerning the Labeling and Advertising of Home Insulation”) requires home insulation manufacturers, professional installers, new home sellers, and retailers to provide R-value information, based on the results of standard tests, to help inform...
Rule Summary: Test Procedures and Labeling Standards for Recycled Oil
The Rule, which is mandated by the Energy Policy and Conservation Act of 1975, prescribes testing procedures and labeling standards for recycled oil.
Rule Summary: Fuel Economy Advertising for New Automobiles
The Guide Concerning Fuel Economy Advertising for New Automobiles assist automobile manufacturers and dealers in avoiding deceptive fuel economy claims and using fuel economy information truthfully in advertising.
Rule Summary: Business Opportunity Rule
The Business Opportunity Rule requires business opportunity sellers to give prospective buyers specific information to help them evaluate a business opportunity, thus ensuring that the prospective purchasers have the information they need in order to assess the risks of buying a work-at-home...
Rule Summary: Mail, Internet, or Telephone Order Merchandise Rule
The Rule, issued in 1975, requires sellers who solicit buyers to order merchandise through the mail, via the Internet, or by phone to have a reasonable basis to expect that the sellers can ship within the advertised time frame, or, if no time frame is specified, within 30 days. The Rule also...
Rule Summary: The Fair Credit Reporting Act: Disposal Rule
Rule Summary: Telemarketing Sales Rule
The Telemarketing Sales Rule, which requires telemarketers to make specific disclosures of material information; prohibits misrepresentations; sets limits on the times telemarketers may call consumers; prohibits calls to a consumer who has asked not to be called again; and sets payment restrictions...
Rule Summary: Holder in Due Course Rule
The Preservation of Consumers’ Claims and Defenses [Holder in Due Course Rule], formally known as the "Trade Regulation Rule Concerning Preservation of Consumers' Claims and Defenses," protects consumers when merchants sell a consumer's credit contracts to other lenders. Specifically, it preserves...
Rule Summary: Energy and Water Use Labeling for Consumer Products Under the Energy Policy and Conservation Act (“Energy Labeling Rule”)
The Energy Labeling Rule calls for the familiar yellow Energy Guide labels stating a product’s estimated annual operating cost and energy consumption, and a range for comparing the highest and lowest energy cost for similar models. Energy Guide labels appear on clothes washers, dishwashers,...
Rule Summary: Hobby Protection Act
The Hobby Protection Act, passed by Congress in 1973, covers imitation political items (e.g., buttons, posters, stickers, etc.), as well as imitation numismatic items (e.g., various coins, tokens, paper money, commemorative medals) that are required to be marked with certain identifying information...
Rule Summary: Guides Against Bait Advertising
Rule Summary: Green Guides
The Green Guides were issued to help marketers ensure that the claims they are making are true and substantiated. The guidance they provide includes: general principles that apply to all environmental marketing claims; how consumers are likely to interpret particular claims and how marketers can...
Rule Summary: Used Car Rule
The Used Car Rule, formally known as the Used Motor Vehicle Trade Regulation Rule, has been in effect since 1985. It requires car dealers to display a window sticker, known as a Buyers Guide, on the used cars they offer for sale. The Buyers Guide discloses whether the dealer offers a warranty and,...
Rule Summary: The Fair Credit Reporting Act: Address Discrepancy Rule
The Care Labeling Rule, which requires manufacturers and importers of textile wearing apparel and goods; provides regular instructions to purchasers through care labels or other methods; prohibits deceptive acts or practices that fail to disclose instructions to regular care; requires appropriate...
Rule Summary: Contact Lens Rule
The Contact Lens Rule contains two key requirements. The first requirement is that contact lens prescribers (i.e., optometrists and ophthalmologists) must provide patients with a copy of their contact lens prescriptions at the completion of a contact lens fitting. The second requirement is that a...
Rule Summary: Advertising Allowances and Other Merchandising Payments and Services ("Fred Meyer Guides")
The Fred Meyer Guides explain to manufacturers and wholesalers how they can provide advertising and promotional allowances and services to retailers without price discrimination and on “proportionally equal terms.”
Rule Summary: Financial Privacy Rule
The regulations require financial institutions to provide particular notices and to comply with certain limitations on disclosure of nonpublic personal information. A financial institution must provide a notice of its privacy policies and practices with respect to both affiliated and nonaffiliated...
Rule Summary: Textile Fiber Rule
The Textile Fiber Rule requires that certain textiles sold in the United States carry labels disclosing the generic names and percentages by weight of the constituent fibers in the product, the manufacturer or marketer name, and the country where the product was processed or manufactured.
Rule Summary: Picture Tube Rule
The Rule requires advertisers to base any representation of the screen size on the horizontal dimension of the actual, viewable area, unless they disclose the alternative method of measurement clearly and conspicuously in close proximity to the size designation.
Rule Summary: Furnisher Rule
Rule Summary: Fair Credit Reporting Act
Rule Summary: Leather Guides
The Leather Guides address misrepresentations about the composition and characteristics of certain leather and imitation leather products, and state that disclosure of non-leather content should be made for material that appears to be, but is not, leather.
Rule Summary: Private Vocational and Distance Education Schools
Rule Summary: CAN-SPAM Rule
The CAN-SPAM Act requires the Commission to issue regulations “defining the relevant criteria to facilitate the determination of the primary purpose of an electronic mail message.” The CAN-SPAM Act applies almost exclusively to “commercial electronic mail messages”.