An endorsement (or indorsement) is the writing of one’s name on the back of an instrument as an authentication or transfer of an interest. Nowadays, the term endorsement is used to describe a writing anywhere on a negotiable instrument,...
consumer protection
express warranty
An express warranty is a warranty as to the condition, quality, or nature of a good or property intentionally and clearly stated to the other contracting party. The Uniform Commercial Code § 2–313 provides that a seller can create an express...
extended warranty contracts
Extended warranty contracts are additional warranties bought for an item or service to add additional coverage for the purchased goods. The warranty usually extends the time of coverage, but an extended warranty may also be bought to expand...
Fair Credit Billing Act (FCBA)
The Fair Credit Billing Act of 1974 implements required billing practices for “open end credit” like credit cards. The Act requires creditors to give consumers 60 days to challenge certain disputed charges over $50 such as wrong amounts,...
Fair Credit Reporting Act (FCRA)
Fair Credit Reporting Act (FCRA) is a fundamental piece of legislation from 1970 that regulates both consumer reporting agencies and credit reports. It applies to information reported on individuals concerning their credit such as:...
Fair Debt Collection Practices Act
Background
A creditor may seek to collect an outstanding debt in several ways. However, because of “abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors,” (15 U.S.C. § 1692)...
Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) restrains hired debt collectors in how they go after debt. Debt collectors are prevented from harassing consumers with outstanding debt, and they can only contact consumers within 8 AM to 9 PM...
false advertising
False advertising is an actionable civil claim under Section 43(a) of the Lanham Act. A party who successfully sues for false advertising may be entitled to either damages or injunctive relief.
To bring a claim for false...
FCBA
The FCBA is the Fair Credit and Billing Act of 1974 which established new standards on billing practices for credit cards and other open-line credit. For more information on the FBCA, click here.
[Last updated in June of 2021 by the...
FCRA
The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, regulates the manner in which credit bureaus may collect, access, use, and share the information they compile on individuals and businesses. The act includes specific provisions...