Which law applies?

1)The Bureau of Consumer Protection (BCP) investigates the claims made by Grandma's Fried Chicken about the nutritional facts of their food. Upon discovering false claims, the FTC brings an action before an administration court. Grandma's sues the FTC in court saying they do not have authority to order Grandma's to a hearing.

2)On its application for credit purchases, Your Home Furniture store asked about the marital status of the applicant. If they were not married, applicants were charged a 5% higher interest rate than those that were married.

3)Denco Inc. offers credit to consumers and then reports on the loans to consumer reporting agencies. To save time and money, Denco does not correct or update its reported information.

4)Rothschild Department Store offers credit cards to its customers. The documents (and website) leave out significant terms of the credit. Several customers have been surprised by finance charges by the store.

5)A debt collection agency has been calling Mandy at work and a few times after midnight.

6)Fair Bank developed a process for offering home loans to consumers, in which the interest rate increases exponentially over the life of the loan. The information documents and forms were overly complicated, hiding penalty and interest increase information from the consumers.

7)Miguel has a credit card from a national sporting goods store. He noticed on his monthly bill that he was charged $561.75 for a backpacking tent, which he did not buy. He immediately contacted the store's credit department to report the error. They refused to remove the charge, claiming that it was not their fault if someone had used his credit card unlawfully.

8)Jenny lost her wallet over her lunch break. She immediately notified her bank of the lost credit card. Within a week, over 10 charges were made using her lost card and the bank did not stop them. Jenny called the bank again but they did not investigate the errors for 3 months!

Choose:

a)Fair Credit Reporting Act

b)Fair Credit Billing Act

c)Electronic Fund Transfer Act

d)Equal Credit Opportunity Act

e)Consumer Financial Protection Act

f)Fair Debt Collection Practices Act

g)Federal Trade Commission Act

h)Truth In Lending Act