Exam 19: Consumer Protection

Which of the following is not required to be listed on nutrition labels by the FDA because there is no shortage of it in American diets:

Under the Fair Credit Reporting Act, consumer bureaus may sell consumer credit reports to:

Fact Pattern 19-1 In 1999, the Drugs-R-Us began testing its new drug, Reduceo, a medicine to help people lose weight. Tests looked promising and, in 2006, the company applied to the FDA for approval to market Reduceo as a prescription drug. In March 2009, the FDA granted Drug-R-Us approval to market Reduceo. Reduceo was sold with some "diet enhancing" cookies that contained no drugs but were claimed to help dieting with Reduceo. Frank saw an ad for the new drug. The Reduceo ad stated that it was a "wonder drug" and "tests prove it is the safest weight reduction drug on the market today!" Frank was interested and made an appointment to see his doctor. Frank's physician prescribed the new drug for his patient. Frank had no success using other weight-loss drugs, and dieting and exercise seemed ineffective. Frank took Reduceo from June until the end of August and lost 25 lbs. He also ate Reduceo's cookies. He was delighted with his weight loss, but was concerned because dots appeared before his eyes, causing disorientation. One day, the dots appeared before Frank's eyes while he was driving. He became disoriented and hit a tree and was seriously injured. He sued Drugs-R-Us, alleging negligence in manufacturing and inadequate warning of possible effects, as well as for deceptive advertising. -Refer to Fact Pattern 19-1. If Frank wants to have the claims made by Drugs-R-Us that their cookies are supposed to help lose weight is deceptive, which agency would he contact?

A "trade regulation rule" issued by the FTC that applies to a specific business practice sets a standard:

Under the Fair Credit Billing Act, a consumer must notify the creditor within ____ of the billing of a disputed charge.

The first law under the Consumer Credit Protection Act was:

Under the Fair Debt Collection Practices Act, debt collectors may impersonate attorneys so long as authorized to do so by a licensed attorney.

The Food and Drug Administration is NOT involved in:

The Fair Debt Collection Practices Act restricts:

Under the Lanham Act, a private party injured by the false ads of a competitor may sue the competitor for double value of lost profits.

Under FDA regulations, vitamins such as thiamin, riboflavin and niacin:

In Wyeth v. Levine, where Levine sued the drug developer Wyeth for failure to warn after she lost her forearm and hand after being given a drug by IV-push, a method known to have risks, the U.S. Supreme Court:

Which of these does not violate the Fair Debt Collection Practices Act? The debt collector:

The Truth-in-Lending Act requires itemization of charges for such items as credit life insurance.

The FDA determines the legal meaning of terms like "light" and "low fat" when used on food products.

Which of the following is NOT a prohibited basis under the Equal Credit Opportunity Act:

Wyndham hotels used poor cybersecurity that made it easier for hackers to steal customer information, costing them millions of dollars. Wyndham's website claimed the company used good cybersecurity. The FTC sued for deceptive trade practices for failure to maintain proper computer security. Wyndham appealed. The court of appeals held that:

Which of the following is an example of a class III medical device:

The Consumer Leasing Act applies to leases of personal property to be used for personal or household purposes.

The Fair Debt Collection Practices Act prohibits all creditors from using a host of harassing, deceptive, and unfair debt-collection practices.