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Consumer Forms - How to Protect Your Consumer Rights

In the business world, consumers are the end users of the final product. Consumers buy goods or services not for resale or to use in manufacturing, but for their direct use. Consumers are protected by federal and state consumer protection laws. Consumer protection laws aim to protect rights of consumers and ensure fair competition in the market.

Some of the various laws that protect consumers are:

  • Truth in Lending Act (TILA)
  • Federal Fair Debt Collection Practices Act (FDCPA)
  • Fair Credit Reporting Act (FCRA)
  • Lemon Laws
  • Gramm- Leach- Bliley Act (GLB)
  • Fair Credit Billing Act (FCBA)

Consumer protection laws cover a wide range of topics such as:

  • unfair trade practices
  • consumer product liability
  • consumer fraud and misrepresentation
  • identity rights

Apart from these consumer laws there are various consumer organizations to protect consumers from consumer fraud and unfair trade practices. Consumer protection agencies, such as the Federal Trade Commission (FTC), the Bureau of Consumer Protection, or Better Business Bureau promote consumer protection. Consumer laws are mainly enforced by these agencies. These agencies aim to protect consumers against trade practices that are deceptive and unfair. They also hear consumer complaints. Consumers can file a complaint against a manufacturer or service provider with the Better Business Bureau or Bureau of Consumer Protection. Consumers can also file a complaint for fraud with the FTC. A consumer complaint is a document that addresses the dissatisfaction of a consumer. A sample of a consumer complaint is available on our website.

Of the many forums for handling of consumer issues, the FTC is an important one. The Federal Trade Commission (FTC) is a U.S. government agency that promotes protection of consumers from competitive and unfair business practices like monopoly. The FTC also provides a variety of information to consumers in properly exercising their consumer rights.

The FTC creates various rules to protect distressed homeowners struggling to repay their mortgages, such as:

  • Mortgage Assistance Relief Services (MARS) Rule to protect distressed homeowners from mortgage relief scams.
  • Rules to protect homeowners from paying fees to mortgage foreclosure rescue providers until homeowners have a written offer from their lender.
  • Rules regarding offer documents such as an offer to purchase document.
  • Consumer product warranty rules.

The FTC has also developed various real estate guidelines and home sales packages to help consumers. Such guidelines include how to sue over promissory notes, and home construction and home improvement guides to help consumers avoid problems in home construction.

The FTC also empowers consumers by providing information regarding a consumer mortgage or bill of sale, such as:

  • Mortgage assignments or loan transfers.
  • Mortgage satisfaction, which is the payment of mortgage in full and release of lease.
  • Mortgage assumptions, in which the buyer takes over seller's liability of an existing mortgage.

The FTC also raises awareness and educates people about how to prevent identity theft, and the solution if you fall victim to identity theft. Identity theft may be defined as an act of stealing the identity of another person to access resources or credits of that person.

These days consumers need to be aware about their rights. You may find further information on consumers and their legal rights on our website.

Consumer Forms FAQs

What are consumer rights laws?

Consumer rights laws are a body of laws enacted by federal and state governments to protect consumers. Consumers are buyers or end users of products and services. Consumer rights laws regulate business transactions and practices. Most states have passed consumer credit laws, lemon laws and food and drug laws to protect consumers. Some prominent consumer rights laws include:

  • The Federal Fair Debt Collection Practices Act (FDCPA);
  • The Gramm- Leach- Bliley Act (GLB);
  • The Fair Credit Reporting Act (FCRA);
  • The Fair Credit Billing Act (FCBA);
  • The Magnuson- Moss Act; and
  • The Truth in Lending Act (TILA).

What is a consumer complaint?

A consumer complaint is a document that expresses the dissatisfaction of a consumer regarding a defect in a product or deficiency in any service provided. Distressed consumers can file a complaint against manufacturers or service providers expressing grievances over a product or service. Events and exact dates of issue must be included in a consumer complaint. Agencies such as the Better Business Bureau and the Federal Trade Commission (FTC) accept consumer complaints and assist people with customer service issues.

There are online sites that assist consumers in drafting consumer complaints. Our website offers a large selection of top quality forms for resolving a consumer complaint.

How does the Federal Trade Commission help consumers?

The Federal Trade Commission (FTC) is a government agency that promotes consumer protection and aims to prevent restrictive and unfair trade practices. The FTC accepts and investigates consumer complaints regarding false advertising and consumer fraud. Consumers can file a complaint for fraud with the FTC. The FTC also files administrative complaints or initiates federal litigation on behalf of consumers.

Another major focus of the FTC is preventing identity theft. Identity theft is the offense of stealing the identity of a person in order to access the resources of that person. The FTC heads efforts to prevent identity theft and acts as a federal repository for identity theft complaints.

Homeowners are also protected by the FTC. The FTC provides real estate guidelines to distressed homeowners who are struggling to repay their mortgages. The FTC also issues home construction and home improvement guidelines and procedures to be followed when suing over promissory notes.

US Legal Forms offers a Home Sales Package to assist consumers. We also have other online forms, including consumer lease forms, and loans and mortgages documents such as mortgage assignment forms, mortgage assumption forms, and mortgage satisfaction forms.

What is a consumer fraud?

Consumer fraud is the false representation of facts intended to deceive consumers. It is a deceptive business transaction that results in financial or other losses to consumers. The offense of consumer fraud includes intentional acts such as:

  • unfair and unlawful trade practices
  • deceptive trade practices
  • suppression or omission of material facts
  • fraudulent trade practices such as false promises, fraudulent offer to purchase documents, and a fraudulent bill of sale

What is a lemon law? How do lemon laws protect consumers?

Lemon laws are federal and state statutes that protect purchasers of cars and provide for compensation when the vehicle manufacturers repeatedly fail to meet norms of quality and performance. Motor vehicles that fail to meet standards of quality and performance are called lemons. The basis of lemon laws is a breach of warranty by a manufacturer. Lemon laws provide more rights to consumers than the warranties expressed in purchase contracts. Lemon laws vary from state to state. In a majority of states, used or leased cars are not covered by lemon laws. The federal lemon law, the Magnuson- Moss Warranty Act, protects consumers from misuse by manufacturers of express warranties and disclaimers.

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