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Date: Aug 01, 2008 Regulation AA - Unfair or Deceptive Acts or - federalreserve

Date: Aug 01, 2008 Regulation AA - Unfair or Deceptive Acts or - federalreserve-2025

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The document outlines proposed provisions under Regulation AA concerning unfair or deceptive acts and practices related to consumer credit. It includes detailed comments from the Colorado Department of Regulatory Agencies on various sections, advocating for consumer-friendly changes in payment allocation, interest rate applications, security deposits, credit offers, and overdraft services. The recommendations emphasize the need for clearer consumer options and protections.

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What is FTC considered to be a deceptive ad?

An advertisement is deceptive if it contains a representation or omission of fact that is likely to mislead a consumer acting reasonably under the circumstances, and that representation or omission is material to a consumers purchasing decision. FTC Policy Statement on Deception, 103 F.T.C.

What is Regulation AA unfair or deceptive acts or practices?

Regulation AA (Unfair or Deceptive Acts or Practices) was a regulation created by the Federal Reserve to address practices by banks that consumers believed to be unfair. Regulation AA was created in 1985 and repealed in 2016.

What is the FTC unfairness statement?

To justify a finding of unfairness the injury must satisfy three tests. It must be substantial; it must not be outweighed by any countervailing benefits to consumers or competition that the practice produces; and it must be an injury that consumers themselves could not reasonably have avoided.

How does the FTC define deception?

Section 5 of the FTC Act prohibits unfair or deceptive acts or practices in or affecting commerce. As the Commission set forth in its 1983 Policy Statement on Deception, a representation, omission, or practice is deceptive if it is likely to mislead consumers acting reasonably under the circumstances and is material

What is the FTC rule on unfair or deceptive fees?

The final rule specifies that it is an unfair and deceptive practice for businesses to offer, display, or advertise any price of live-event tickets or short-term lodging without clearly, conspicuously and prominently disclosing the total price.

What is unfair or deceptive FTC Act?

Section 5 of the Federal Trade Commission Act (FTC Act) (15 USC 45) prohibits unfair or deceptive acts or practices in or affecting commerce. The prohibition applies to all persons engaged in commerce, including banks.

Date: Aug 01, 2008 Regulation AA - Unfair or Deceptive Acts or - federalreserve-2025

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