What is Consumer Rights Law?

Consumer rights and consumer protection law provides a way for individuals to fight back against abusive business practices. These laws are designed to hold sellers of goods and services accountable when they seek to profit by taking advantage of a consumer's lack of information or bargaining power. Some conduct addressed by consumer rights laws is simply unfair, while other conduct can be described as outright fraud. Consumer rights laws exist at the federal and state level. They are enforced by government agencies, offices of attorneys general, and through individual and class action lawsuits filed by victims.

聚师网译:什么是消费者权益法?

《消费者权益和消费者保护法》为个人打击滥用的商业行为提供了一种途径。这些法律旨在使提供商品和服务的卖方在利用消费者缺乏信息或讨价还价的能力谋求利润时,承担相应的责任。消费者权益法处理的一些行为是不公平的,而其他行为可以被描述为直接欺诈。《消费者权益和消费者保护法》存在于联邦和州一级。它们由政府机构、总检察长办公室以及受害者提起的个人和集体诉讼强制执行。

Types of Consumer Protection Cases

The most common kinds of abusive business practices occur when consumers are in particularly vulnerable circumstances. For example, when people fall behind on their bills, debt collectors are in a position to make life even more difficult by calling in the early morning or late night hours, making contact at a person's place of business, and speaking to friends and family. Consumer rights laws prohibit this sort of activity. In fact, under the Fair Debt Collection Practices Act (FDCPA), such harassment can result in a statutory damage award of $1,000 for the victim, plus the attorney fees incurred in bringing the suit.

聚师网译:消费者保护案例类型

最常见的对商业行为的滥用,发生在当消费者处于特别脆弱的环境中时。例如,当人们欠债时,收债人可以在清晨或深夜给欠债者的亲人或者朋友打电话,使得欠债者面临生活上的困难。消费者权益法禁止此类活动。根据《公平债务征收法》,当欠债者受到此方面的骚扰时,可以向法院提起诉讼,并且将获得1000美金的精神损失赔偿。

Predatory lending also forms the basis for a large number of consumer protection lawsuits. These schemes cover a broad range of conduct, such as charging exorbitant interest rates on credit cards and other loans, hiding fees and penalties in the fine print of agreements seldom read by customers, and applying payments to low-interest portions of a loan balance first. Sadly, the foreclosure crises of 2010 exposed numerous lending scams in the real estate market. Federal legislation aimed at predatory lending includes the Truth in Lending Act (TILA) and the Home Ownership and Equal Protection Act (HOEPA) of 1994.

聚师网译:掠夺性贷款是消费者权益保护法立法的基础。在这些法律中涵盖了广泛的行为:例如对信用卡和其他贷款收取过高的利率;在客户极少阅读的协议的细版中隐藏收费和罚款;以及首先对贷款余额的低息部分进行支付。2010年的“止赎危机”暴露了房地产市场上的许多贷款骗局。针对掠夺性贷款的联邦立法包括1994年的《真实贷款法》和《房屋所有权和平等保护法》。

聚师网点评:聚师网作为一家新型的互联网教育产业中的一员,消费者的权益一直是聚师网最重要的工作之一。保护消费者权益在世界各地都引起了极大的重视。《消费者权益保护法》的出台和不断完善让消费者在维权时有法可依。我们将一直践行对消费者的承诺,用自己的实际行动为消费者权益保护助力。