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Consumer Protection: Federal and State Agencies Face Challenges in Combating Predatory Lending

Description: Testimony issued by the General Accounting Office with an abstract that begins "While there is no universally accepted definition, the term "predatory lending" is used to characterize a range of practices, including deception, fraud, or manipulation, that a mortgage broker or lender may use to make a loan with terms that are disadvantageous to the borrower. Concerns about predatory lending have increasingly garnered the attention and concern of policymakers, consumer advocates and participants … more
Date: February 24, 2004
Creator: United States. General Accounting Office.
Partner: UNT Libraries Government Documents Department
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Consumer Protection: Federal Actions to Oversee the Household Goods Moving Industry Are Unlikely to Have Immediate Impact

Description: Testimony issued by the General Accounting Office with an abstract that begins "Consumer complaints against household good carriers have soared in the last five years, yet the Department of Transportation (DOT) has done little to oversee the industry. Although DOT does not collect nationwide information on consumer complaints against household good movers, it estimates that it receives about 4,000 complaints each year. Consumer protection in the interstate household goods moving industry is a r… more
Date: July 12, 2001
Creator: United States. General Accounting Office.
Partner: UNT Libraries Government Documents Department
open access

Consumer Protection: Federal and State Agencies Face Challenges in Combating Predatory Lending

Description: A chapter report issued by the General Accounting Office with an abstract that begins "While there is no universally accepted definition, the term "predatory lending" is used to characterize a range of practices, including deception, fraud, or manipulation, that a mortgage broker or lender may use to make a loan with terms that are disadvantageous to the borrower. No comprehensive data are available on the extent of these practices, but they appear most likely to occur among subprime mortgages-… more
Date: January 30, 2004
Creator: United States. General Accounting Office.
Partner: UNT Libraries Government Documents Department
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Consumer Protection: Federal Actions Are Needed to Improve Oversight of the Household Goods Moving Industry

Description: A letter report issued by the General Accounting Office with an abstract that begins "For moving services, the primary responsibility for consumer protection lies with consumers to select a reputable household goods carrier, ensure that they understand the terms and conditions of the contracts, and understand and pursue the remedies that are available to them when problems arise. Available information indicates that consumer complaints in the household goods industry are increasing. In addition… more
Date: March 5, 2001
Creator: United States. General Accounting Office.
Partner: UNT Libraries Government Documents Department
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Consumer Protection: Some Improvements in Federal Oversight of Household Goods Moving Industry Since 2001, but More Action Needed to Better Protect Individual Consumers

Description: A letter report issued by the Government Accountability Office with an abstract that begins "The Department of Transportation's (DOT) Federal Motor Carrier Safety Administration (FMCSA) is responsible for protecting consumers involved in interstate household goods moves by issuing regulations and conducting oversight and enforcement actions. The Safe, Accountable, Flexible, Efficient Transportation Equity Act--A Legacy for Users (SAFETEA-LU), enacted in 2005, included provisions to enhance cons… more
Date: May 16, 2007
Creator: United States. Government Accountability Office.
Partner: UNT Libraries Government Documents Department
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Consumer Protection: A Survey as of Mid 1971

Description: This report concerns developments on consumer protections at the time of writing, with focus on pending consumer protection legislation, consumer protection programs, views of non-government organizations on consumer protection; and effectiveness of the Federal Trade Commission and the Food and Drug Administration.
Date: December 15, 1971
Creator: Hall, Marian D.
Partner: UNT Libraries Government Documents Department
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A Brief Overview of Actions Taken by the Consumer Financial Protection Bureau (CFPB) in Its First Year

Description: Report that looks at actions taken by the Consumer Financial Protection Bureau (CFPB) during its first year. The CFPB exists to implement and enforce federal consumer financial laws, ensure consumer access to financial products and services, and ensure that the markets for consumer financial services and products are fair, transparent, and competitive.
Date: August 29, 2012
Creator: Hoskins, Sean M.
Partner: UNT Libraries Government Documents Department
open access

A Brief Overview of Actions Taken by the Consumer Financial Protection Bureau (CFPB) in Its First Year

Description: This report looks at actions taken by the Consumer Financial Protection Bureau (CFPB) during its first year. The CFPB exists to implement and enforce federal consumer financial laws, ensure consumer access to financial products and services, and ensure that the markets for consumer financial services and products are fair, transparent, and competitive.
Date: July 18, 2012
Creator: Hoskins, Sean M.
Partner: UNT Libraries Government Documents Department
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Congressional Activity Relating To Consumer Protection Agencies, 1959-1972

Description: This paper is a history of Congressional action since 1959 that pertains to bills to establish consumer protection agencies of two types: (1) a department of consumer affairs, a consumer advocate agency, and an office of consumer affairs in the Executive Office; and (2) a consumer product safety agency.
Date: January 15, 1973
Creator: Hall, Marian D.
Partner: UNT Libraries Government Documents Department
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Consumer and Credit Reporting, Scoring, and Related Policy Issues

Description: This report provides background information on the consumer data industry and various specialty areas. One prominent specialty area--consumer scoring--is explained and includes information about various factors used to calculate credit scores. It provides a general description of the current regulatory framework of the consumer data industry. Finally, this report discusses selected policy issues pertaining to credit scoring and proposed modifications that may result in expanded consumer protect… more
Date: July 30, 2015
Creator: Getter, Darryl E.
Partner: UNT Libraries Government Documents Department
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The Consumer Financial Protection Bureau (CFPB): A Legal Analysis

Description: This report provides an overview of the regulatory structure of consumer finance under existing federal law before the Dodd-Frank Act went into effect, and examines arguments for modifying the regime in order to more effectively regulate consumer financial markets. It then analyzes how the CFP Act changes the legal structure, with a focus on the Bureau's organization; the entities and activities that fall (and do not fall) under the Bureau's supervisory, enforcement, and rulemaking authorities;… more
Date: January 14, 2014
Creator: Carpenter, David H.
Partner: UNT Libraries Government Documents Department
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The Consumer Product Safety Commission (CPSC) and International Trade: Legal Issues

Description: This report examines the Consumer Product Safety Commission's (CPSC) role in regulating U.S. imported and exported consumer products. It also examines some of the international obligations that the United States has undertaken with respect to the promulgation of standards-related measures, such as mandatory consumer product safety regulations.
Date: November 5, 2013
Creator: Murrill, Brandon J.
Partner: UNT Libraries Government Documents Department
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Telemarketing: Dealing with Unwanted Telemarketing Calls

Description: This report provides summaries of the federal laws and regulations particular to telemarketing, the establishment of a national do-not-call registry, and on the options that are available to consumers to attempt to limit the calls that they receive from telemarketers and to report questionable telemarketing practices to local or federal authorities. The report also lists sources of additional information with addresses, phone numbers, and Internet sites (if available) and will be updated as leg… more
Date: October 5, 2004
Creator: Riehl, James R.
Partner: UNT Libraries Government Documents Department
open access

Telemarketing: Dealing with Unwanted Telemarketing Calls

Description: This report provides summaries of the federal laws and regulations particular to telemarketing, the establishment of a national do-not-call registry, and the options that are available to consumers to limit the calls that they receive from telemarketers and to report questionable telemarketing practices to local or federal authorities. The report also lists sources of additional information with addresses, phone numbers, and Internet sites (if available).
Date: January 29, 2004
Creator: Riehl, James R.
Partner: UNT Libraries Government Documents Department
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Consumer Protection in Texas

Description: In the study, as a whole, the purpose is to present the major laws for consumer protection in Texas in the existing economy and determine the extent to which they meet consumer protection standards and where they fail to meet such standards.
Date: May 1965
Creator: Mangum, James N.
Partner: UNT Libraries
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The Dodd-Frank Wall Street Reform and Consumer Protection Act: Titles III and VI, Regulation of Depository Institutions and Depository Institution Holding Companies

Description: This report discusses Titles III and VI of the Dodd-Frank Act, which effectuate changes in the regulatory structure governing depository institutions and their holding companies and, thus, constitute a substantial component of the reform effort.
Date: February 7, 2011
Creator: Murphy, M. Maureen
Partner: UNT Libraries Government Documents Department
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The Dodd-Frank Wall Street Reform and Consumer Protection Act: Titles III and VI, Regulation of Depository Institutions and Depository Institution Holding Companies

Description: This report discusses Titles III and VI of the Dodd-Frank Act, which effectuate changes in the regulatory structure governing depository institutions and their holding companies and, thus, constitute a substantial component of the reform effort.
Date: July 23, 2010
Creator: Murphy, M. Maureen
Partner: UNT Libraries Government Documents Department
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Comparison of Two Key Provisions in the Bankruptcy Reform Act Conference Report: The Homestead Exemption and Dischargeability of Liability for Abortion Clinic Violence

Description: This report examines two provisions in the Conference Report on the Bankruptcy Abuse Prevention and Consumer Protection Act of 2002, H.R. 107-617, 107th Cong., 2d Sess. (2002): the homestead exemption and dischargeability of liability for abortion clinic violence.
Date: July 30, 2002
Creator: Jeweler, Robin
Partner: UNT Libraries Government Documents Department
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