Consumer Protection
Fraud, lemon law, debt collection abuse, TCPA, and warranty claims.
Featured Overview
A Federal overview for Consumer Protection is not available yet. This hub still shows related articles, common questions, and recent enacted changes while coverage is generated.
Browse the hub content below while the primary overview is still being generated.
Recent Law Changes
Clarifications to Equal Credit Opportunity Act Regulations
This amendment to Regulation B under the Equal Credit Opportunity Act clarifies requirements related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs. Before this change, these areas were less clear, leading to potential confusion for creditors and consumers alike. Now, creditors will have clearer guidelines on how to comply with ECOA, which could reduce the risk of unintentional discrimination in lending practices. This affects financial institutions that offer credit products and their customers. The changes take effect on July 21, 2026.
Changes to Network Improvements and Service Discontinuance Rules
This law changes regulations that previously made it difficult for telecommunications companies to transition from old networks to new Internet Protocol-based systems. The Federal Communications Commission has adopted reforms that reduce these barriers while maintaining consumer protections, including safeguards for public safety and ensuring the continuity of 911 services. If state or local rules conflict with this framework, they will be preempted by federal law. This change affects telecommunications companies and consumers who rely on these services.
Updated Pesticide Tolerances for Certain Chemicals
The Environmental Protection Agency (EPA) has finalized changes to pesticide tolerances under the Federal Food, Drug, and Cosmetic Act. These updates were determined necessary during a review of pesticides like hydrogen cyanide. The new rules ensure that these chemicals continue to meet safety standards set by law. Farmers, food producers, and consumers are affected as it impacts how certain pesticides can be used on crops intended for human consumption. This change takes effect immediately.
Order Allowing Joint Clearing Members to Hold Futures Customer Funds Together
This order from the Commodity Futures Trading Commission allows joint clearing members of the Chicago Mercantile Exchange and the Fixed Income Clearing Corporation who are also registered as broker-dealers with the SEC and futures commission merchants with the CFTC to hold customer funds in a combined account at FICC. Previously, such funds had to be kept separate according to regulations related to segregation and protection of futures customer funds under the Commodity Exchange Act. This change affects BD-FCMs who are joint clearing members of both exchanges.
New Tolerances for Methoxyfenozide Pesticide Residues
This law establishes new maximum permissible levels of residues from the pesticide methoxyfenozide in certain food and feed commodities. Before this change, there were no specific tolerances set for these residues under federal regulations. The new limits apply to products listed by the Interregional Research Project Number 4 (IR-4) and are effective immediately. This affects farmers, producers, and consumers of the specified agricultural products.
Articles & Guides
JURISDICTION
Requested Federal.
Hub content is currently scoped to Federal.