Mortgage Finance Regulation Answer Book 2011-12

Format: Paperback

Language: English

Format: PDF / Kindle / ePub

Size: 11.40 MB

Downloadable formats: PDF [ccclxxxix] the plaintiff � an E-Bay on-line store selling pre-owned luxury handbags and accessories, claims that defendant, a website selling luxury goods...sought to destroy her business (i) by making false allegations about her and her business on the internet ( and alleges, inter alia ) statutory identity theft pursuant to ( GBL ) 380-s �. The implementing agency shall determine what items shall be exempted from the computation of the finance charges.

Pages: 957

Publisher: Practising Law Institute (PLI); 2011-12 Edition edition (June 15, 2011)

ISBN: 140241594X

Solicitations, whether by management or shareholder groups, must disclose all important facts concerning the issues on which holders are asked to vote Often times, they will ask for money more than once to process your bogus winnings. This scam can work several ways, but typically a scam artist will send an unsolicited letter or email offering you an opportunity to earn money while acting as a “secret” or “mystery” shopper Federal Trade Commission ordered Arthur Murray dance studio to stop it's high pressure sales techniques, limit each contract to no more than $1500 in lessons and permit contracts to be canceled within 7 days. The case was appealed but the order was confirmed by the Commissioners and the Fifth Circuit Court of Appeals , e.g. Utility Intervention Unit: Represents consumers at utility rate and policy proceedings before state and federal regulators to advance cost effective and quality service. Please note: Subsection (a) of section 20-515 of the general statutes is repealed and the following is substituted in lieu thereof (Effective October 1, 2015): (a) A person who is certified or provisionally licensed in another state as a real estate appraiser may become a certified or provisionally licensed real estate appraiser in this state by conforming to all of the provisions of sections 20-500 to 20-528, inclusive , cited: The members may if they wish discuss anything else, or discuss any other resolutions including "requisitioned" resolutions (i.e. ones that the members have insisted be included in the AGM) (CA 2006 s.338). Normally the directors instruct the company secretary to send out a notice of the AGM to the members As under the current law, this cooling off period will not apply to personalised or customer-specific goods. The right to cancel will be extended to online auctions, such as eBay, if the goods are purchased from professional sellers , e.g.

Consumers often have the right to sue advertisers under state consumer protection laws The required notice reads as follows: "You are being asked to guarantee this debt. If the borrower doesn't pay the debt you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility. You may have to pay up to the full amount of the debt if the borrower does not pay ref.: A person who violates this subchapter commits an offense. An offense under this section is a Class B misdemeanor. (1) "Halal," as applied to food, means food prepared and served in conformity with Islamic religious requirements according to a recognized Islamic authority. (2) "Label" means a display of written, printed, or graphic matter on the immediate article or container of any food product. (3) "Person" includes an individual, corporation, or association. (4) "Restaurant" means a place where food is sold for on-premises consumption. (5) "Retail store" means a retail grocery store, delicatessen, butcher shop, or other place where food is sold for off-premises consumption. (6) "Sell" means to offer for sale, expose for sale, have in possession for sale, convey, exchange, barter, or trade
Hiding its written disclaimer within the progress report and diagnostic assessment is unacceptable � ); People v. McNair [cx] ( � deliberate and material misrepresentations to parents enrolling their children in the Harlem Youth Enrichment Christian Academy...thereby entitling the parents to all fees paid ( in the amount of $182,393.00 ); civil penalties pursuant to G ref.: From our Richmond headquarters we defend the rights of consumers throughout the Commmonwealth of Virginia, and are standing by to help you. This chapter may be cited as the Virginia Consumer Protection Act of 1977 The complaints shall be decided within fifteen (15) days from the time the investigation was terminated. Sanctions. - After investigation, any of the following administrative penalties may be imposed even if not prayed for in the complaint: (a) the issuance of a cease and desist order, Provided, however, That such order shall specify the acts that respondent shall cease and desist from and shall require him to submit a report of compliance therewith within a reasonable time; (b) the acceptance of a voluntary assurance of compliance or discontinuance from the respondent which may include any or all of the following terms and conditions: (1) an assurance to comply with the provisions of this Act and its implementing rules and regulations; (2) an assurance to refrain from engaging in unlawful acts and practices or unfair or unethical trade practices subject of the formal investigation; (3) an assurance to comply with the terms and conditions specified in the consumer transaction subject of the complaint; (4) an assurance to recall, replace, repair, or refund the money value of defective products distributed in commerce; (5) an assurance to reimburse the complaint out of any money or property in connection with the complaint, including expenses in making or pursuing the complaint, if any, and to file a bond to guarantee compliance therewith. (c) restitution or rescission of the contract without damages; (d) condemnation and seizure of the consumer product found to be hazardous to health and safety unless the respondent files a bond to answer for any damage or injury that may arise from the continued use of the product; (e) the imposition of administrative fines in such amount as deemed reasonable by the Secretary, which shall in no case be less that Five hundred pesos (P500.00) nor more than Three hundred thousand pesos (P300,000.00) depending on the gravity of the offense, and an additional fine of not more than One thousand pesos (P1,000.00) or each day of continuing violation , e.g.
In determining whether any advertisement is false, deceptive or misleading, there shall be taken into account, among other things, not only representations made or any combination thereof, but also the extent to which the advertisement fails to reveal material facts in the light of such representations, or materials with respect to consequences which may result from the use or application of consumer products or services to which the advertisement relates under the conditions prescribed in said advertisement, or under such conditions as are customary or usual The court shall review the documentation provided by the consumer evidencing the requested amounts and shall award to the consumer attorney's fees, up to two thousand five hundred dollars, that are necessary or reasonably related to the filing of the claim and court costs. (2) The agreed upon resolution shall be completed and any court-ordered attorney's fees and court costs shall be paid within a reasonable time in accordance with court supervision , e.g. The party making payment to the damaged party may exercise the right to recover a part of the whole of the payment made against the other responsible parties, in accordance with their part or responsibility in the cause of the damage effected. Liability for Defective Services. - The service supplier is liable for redress, independently of fault, for damages caused to consumers by defects relating to the rendering of the services, as well as for insufficient or inadequate information on the fruition and hazards thereof , source: If a seller continues to sell or offer to sell a business opportunity for more than one year from the date of the department's acknowledgment of the initial registration under this chapter, the seller shall renew the registration each year that the sale or offer to sell continues by filing, before or on the anniversary date of the department's acknowledgment under AS 45.66.020 (c), a renewal application, on a form established by the department by regulation, requiring information that is similar to the information required under AS 45.66.020 , e.g. Credit providers will therefore need to make reasonable enquiries about the purpose of each proposed loan before the debtor signs a business purpose declaration , e.g. Consumers also have the right to know every detail about their purchased services. Protection against misleading or abusive advertisement: Consumers have the right to demand for everything that was promised in the adds ref.: Liability for the Defective Products. - Any Filipino or foreign manufacturer, producer, and any importer, shall be liable for redress, independently of fault, for damages caused to consumers by defects resulting from design, manufacture, construction, assembly and erection, formulas and handling and making up, presentation or packing of their products, as well as for the insufficient or inadequate information on the use and hazards thereof ref.: A copy of the complaint shall be attached to the notice. (c) The department shall afford all interested parties the opportunity to submit a statement of facts, arguments, offers of settlements or proposals of adjustments. (d) The Consumer arbitration officer shall first and foremost ensure that the contending parties come to a settlement of the case. (e) In the event that a settlement has not been effected, the Mediation officer may now proceed to formally investigate, hear and decide the case. (f) The Consumer arbitration officer may summon witnesses, administer oaths and affirmations, issue subpoena and subpoena duces tecum, rule upon offers of proof and receive relevant evidence, take or cause deposition to be taken whenever the ends of justice would be served thereby, regulate the course of the hearing, rule on any procedural request or similar matter and decide the complaint

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