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Phantom debt collectors jump on the banned wagon

Lesley Fair
Court orders against 13 related corporate and individual defendants involved in a Georgia-based debt collection operation bring to mind the 1980s chart-topping group from Australia, Crowded House. That’s because now that Advanced Mediation Group’s enterprise has been shuttered, the FTC’s “house” of individuals and corporations banned for life from the debt collection industry just got a little more crowded. According to the FTC , one of the...

Camouflaged commerce: What was going on at army.com?

Lesley Fair
Where do people go when considering careers in the military? Online, of course. Based on the search terms they selected, they often found themselves on sites like army.com, armyenlist.com, and similar URLs for other branches of the service. But according to an FTC complaint against Sun Key Publishing, Fanmail.com, and related defendants, what was going on behind the scenes of those sites will surprise you. Another notable aspect of the case: the...

It takes less time to do a thing right

Ian Conner and Lynda Lao, Bureau of Competition
Longfellow said “It takes less time to do a thing right than to explain why you did it wrong.” We agree, especially when it comes to designing effective merger remedies—ones that maintain competition at pre-merger levels so that the merger does not lead to higher prices, lower quality, or reduced innovation. From the perspective of the Bureau of Competition and the Commission, getting it right takes time. The Bureau and the Commission review the...

Is your business prepared for an emergency? Is your data?

Lesley Fair
When an emergency strikes, your business’s most vulnerable asset may not be in the stockroom or warehouse. It could be the data that has been central to your success. September is National Preparedness Month. The FTC has six steps you can take to help protect your company’s information from the unpredictable. Conduct an information inventory. While the skies are sunny, take an inventory of the data critical to your business – customer lists...

Be discreet when you delete your fleet

Lesley Fair
Thinking about replacing a company car or truck? Unless you take some security steps before selling the vehicle, you could be leaving behind a water bottle or two, some change under the seat – and a massive amount of corporate and personal data. Systems in newer cars do a great job keeping you and your employees connected while on the road. But like laptops and smartphones, your company cars may be storing more information than you realize – data...

New law, new consumer rights

Lesley Fair
Food experts don’t recommend it for your ground chuck or pork shoulder, but starting September 21, 2018, there’s something consumers can safely freeze, unfreeze, and then freeze again. It’s their credit file. Thanks to a new federal law – the Economic Growth, Regulatory Relief, and Consumer Protection Act – consumers will be able to contact each of the three major credit reporting agencies and direct them to place a free freeze on the consumer’s...

Timing is everything: The Model Timing Agreement

Bruce Hoffman, Bureau of Competition
The Bureau of Competition has undertaken several initiatives to streamline our merger review process in order to reach swifter resolutions—whether that be clearance, a negotiated settlement, or a lawsuit. As part of these efforts, we are announcing a new Model Timing Agreement for the Bureau’s merger reviews. New FTC Model Timing Agreement Merger investigations commonly involve timing agreements, which—among other things—provide an agreed-upon...

First Consumer Review Fairness case takes on promoter’s “big bucks on Amazon” claim

Lesley Fair
T he marketers behind a purported money-making promotion called Sellers Playbook appear to have skipped the chapter about complying with federal and state consumer protection laws. That’s the allegation in a complaint filed by the FTC and the Minnesota Attorney General . In addition, it’s the FTC’s first case charg ing violations of the Consumer Review Fairness Act. The roots of the allegations go back to another venture sued by the FTC earlier...

FTC alleges car dealers falsified consumers’ income on financing forms

Lesley Fair
Whether it’s a slimmer waist or an imaginary yacht superimposed in the background, we’re all familiar with the dramatic changes that retouching can make to a photo. A lawsuit the FTC has filed against Tate’s Auto Group and related companies alleges – among other things – that the defendants substantial ly “retouch ed ” the financial circumstances of customers trying to finance cars. The defendants are four affiliated auto dealers in New Mexico...

FTC, Florida AG to small business: Scrutinize “o-fishy-al” invoices

Lesley Fair
If it looks like a duck and quacks like a duck, it’s probably a duck. But the same can’t be said for a mailer that looks like an official invoice. It could be an “o- fishy -al” offer that deceptively mimics the appearance of a government document. A case filed by the FTC and the Florida Attorney General challenges the practice of sending mailers that allegedly create the false impression that small businesses are required to buy labor regulation...