Choose two consumer protection laws and, in about 500 words, describe the benefits they provide for consumers and the costs to society.

Answers

Answer 1

Answer:

1. Federal Food, Drug, and Cosmetic Act :-

The act governs level of quality for those food, drugs , medical instruments, as well as beauty products produced and procured by customers in the market  of America. Government control as well as regulation of these guidelines was also supplied for under the law.

2. Truth in Lending Act (TILA) :-

The Truth in Lending Act (TILA) relates to the federal law that allows borrowers to make some statements regarding consumer credit conditions and prices. TILA includes rules regulating accessible-end credit lines, closed-end personal loans, retail lending as well as private lending to college.

Answer 2

Answer:

See Explanation Below

Explanation:

Gramm-Leach-Bliley Act (GLBA): This Act of 1999 removed the barriers to consolidation among banking and other financial institutions and allowed the consolidation of a commercial bank, securities firm, investment bank, and insurance company. This Act is also known as the “Financial Services Modernization Act.” This Act allows consumers to use various financial services at a single financial institution. More importantly, the Gramm-Leach-Bliley Act provided limitations on the private information gained from consumers through the transactions performed through banks and other institutions. Private information cannot be sold to other entities without the permission of the consumer. In addition, the Gramm-Leach-Bliley Act makes the practice of obtaining information using false pretenses illegal. Because of the mergers of different types of financial institutions with the relaxation of barriers of consolidation, one entity could possibly have access to an individual’s financial, medical, and criminal history information through the merger of an insurance company and a brokerage company. Therefore, privacy legislation was needed to protect consumers with the Financial Services Modernization Act.

Fair Debt Collection Practices Act (FDCPA): This act prohibits debt collectors from making use of unfair means to recover overdue bills. Unfair means may include calling consumers at any time other than between 8:00 a.m. and 9:00 p.m. local time. It also prohibits using offensive language during the conversation over debt and demanding unjustified amounts not allowed legally. The FDCPA make consumers’ voices powerful by giving consumers more rights regarding how debts are collected from them. These rights include allowing consumers to sue debt collectors individually and to ban contact with consumers at work. Consumers can also seek proof that they actually do owe the money that the debt collector refers to. When first contacting a consumer, the debt collector must inform a debtor of his or her right to dispute the debt. The debt collector must also tell the debtor the amount of the debt, the name of the creditor, and the fact that the debt can be disputed within 30 days. Debt collectors can’t misrepresent themselves by claiming to be an attorney or an employee of a credit reporting agency.

The costs to society include the economic costs. Staffers, lawyers, and enforcement agencies are hired for the administration of these laws. Compliance with regulations requires that companies hire, train, and continually re-educate employees on how to comply with applicable laws. In addition, one provision of the FDCPA requires that consumers can recover reasonable attorney fees. Society needs to contribute for the payment of these services through taxes and also through the higher-priced products and services companies must assess in order to remain profitable


Related Questions

Which of the following roles best fits the situation?
Kevin wants to create a business but is not sure what role is best for him. He has capital to invest. He has several partners with which he can begin a business. He has the most management experience of all his potential partners.

A. Limited partner in a limited partnership.
B. Neither a limited or general partner would be a good choice.
C. General partner in a limited partnership.

Answers

Answer:

The correct answer to the following question will be Option C.

Explanation:

Limited Partnership seems to be a form of cooperation where partner responsibility becomes restricted to the degree to which they should have invested their money. It is a companion contributing even just a capital, i.e. only financial stake.

General Partner seems to be the associate who continues to operate the alliance company and seems to be responsible for the company's activities.According to the above scenario, Kelvin has an investment to open a company as well as a few partner organizations to do so. As some other collaborators have the financial commitment, a public benefit relationship should be established. He seems to have professional experience, though in this configuration he should choose to become a limited partner or shareholder.

So that the above is the right answer.

Is South Korea one of the fastest-growing Asian country​

Answers

Answer:

yes, it is

Explanation:

It has one of the largest economies in the world

Indeed it does it’s rapidly gaining strength and is getting richer by the day

When preparing a business message, you should make your writing audience oriented. Audience oriented means a. attempting to get your audience to believe and accept your message. b. writing to solve a problem or convey information. c. presenting ideas clearly but concisely. d. concentrating on looking at the message from the receiver's perspective.

Answers

Answer:

D. Concentrating on looking at the message from the receiver's perspective.

Explanation:

When writing a business message, it is important to ensure that the perspective of the receiver is considered. There are two sides to a message; the speaker and the receiver. By making a business writtings audience oriented, it means that thoughts of the receiver or audience is considered alongside the message.

Although other skills such as; present ideal clearly but concise, attempt to get your audience to believe and accept your message, write to solve a problem or convey information are essential qualities of business writtings, yet do not point to audience oriented message.

what are the objectives of the public sector?

Answers

Answer:

1. To prevent concentration of economic power and growth of private monopolies.

2. To also help the Government to enforce social control on trade and industry for ensuring equitable distribution of goods and services.

Tucker works for a retail distributor company that was recently started. Tucker already invested a lot of his earnings into shares of the company. When the quarterly earnings are posted, Tucker receives a check for 8% of the quarterly profit of the company. Tucker belongs to a _________ Corporation.
A. Professional
B. Closely-Held
C. Sub chapter S

Answers

Closely- Held I think

form a correct sentence by unscrambling the following sentence en el espanol hay vocales cinco

Answers

Answer:

its option c

Explanation:

just found it the other guy is also correct

Which statement best describes the role of a credit agency?

A. It tracks the use of credit for lenders.
B. It predicts future earning potential for lenders.
C. It teaches how to make smart financial decisions.
D. It shows how saving money makes financial sense.

I’m confused other people on here either answered A or B...I’m not sure which one it is :/

Answers

A. It tracks the use of credit for lenders.

Explanation:

I've taken the test already, I hope, me getting the answer wrong, will help others!

The correct answer is A. It tracks the use of credit for lenders.

Credit agencies, also known as credit rating agencies, help potential lenders and creditors determine whether to lend or extend credit to an individual or business, by predicting the likelihood that the borrower will repay the debt in a timely manner.

What is the main role of the three major credit reporting agencies?

Equifax, Experian and TransUnion are the three main consumer credit bureaus. They collect and store information about you that they use to generate your credit reports, which are used as the basis of your credit scores.

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Which statements best describes gases

Answers

Answer:

gases have definite shape and volume

Explanation:

Answer:

Gases have random motion.

They don't have definite ahape and volume.

Tbey have weak inter molecular forces.

Explanation:

Question 6 of 10
3 Points
A body of the letter is composed of the:​

Answers

Answer:

Introduction

The body of the letter is usually divided into the three paragraphs (one is the introduction, then supporting details, then conclusion of topic).

Give an example of a tariff. Use a primary source to give specifics about the amounts or percentages and your opinion on if it is good or bad for the United States (it may be a tariff on the United States or by the United States).
Answer must be 250 words minimum.

Answers

Answer:

Taxation of foreign steel

Explanation:

Generally, for the local producers at the first moment, it is very profitable the very existence of tariffs. They exist all over the world at a higher or lower level. But for the customers and most people, it is not. It may result

In the case of George W. Bush administration (2002) resolution on tariffs ranking up to 30% on steel products.

In the aftermath, this political resolution did not reach the goal due: making the US Steel Industry stronger, due to market behavior and to some specificities of the Steel industry.

Some steel products price has risen while others remained almost at the same level.

Some companies closed some plants in the USA and started producing steel offshore.

Alias Shipping negotiate the purchase of trucks with a supplier of delivery vehicles. Alias sets it's is reservation price at 1,750,000, 000. The supplier will not sell the vehicle for less than 2,250,000 what is the ZOPA?

Answers

Answer:

There is no ZOPA.

Explanation:

ZOPA here refers to the price range that is agreeable by parties to an ongoing deal, in which both negotiating parties feel satisfied.

Note that, it is possible for there to be no ZOPA when the lowest possible price by the seller is far greater than the price offered by the buyer.

In this case Alias Shipping the buyer has a reservation price that is very much lower than that of the seller thus leading to no ZOPA.

If an economy with C = $5000 + 0.6Yd, I = $1000, G = $800, T = $1000, NX = $-200, where the dollar amounts are in millions of dollars, both government spending and taxes are raised by $200 million, what will be the change in equilibrium income (in millions)?

A) $200
B) $100
C) $0
D) $-200
E) None of the above

Answers

Answer:

Y = 15,500

Explanation:

If government spending increased by $200 million

Y = C + I + G + NX

Y = 5,000 + 0.6(Y-1,000) + 1,000 + (800+200) - 200

Y = 5,000 + 0.6(Y-1,000) + 1,000 + 1,000 - 200

Y = 5,000 + 0.6(Y-1,000) + 1,800

Y = 5,000 + 0.6Y-600 + 1,800

Y = 6.200 + 0.6Y

Y - 0.6 Y = 6,200

0.4 Y = 6,200

Y = 6,200 / 0.4

Y = 15,500

Therefore, change in equilibrium income (in millions) is $500

Answer:

A

Explanation:

200

are export tariffs illegal in the United States?

Answers

Answer:

yes, however, it is legal if congress gives consent.

Explanation:

Article I, § 10, clause 2 of the United States Constitution, known as the Import-Export Clause, prevents the states, without the consent of Congress, from imposing tariffs on imports and exports above what is necessary for their inspection laws and secures for the federal government the revenues from all tariffs on imports and exports. Several nineteenth century Supreme Court cases applied this clause to duties and imposts on interstate imports and exports. In 1869, the United States Supreme Court ruled that the Import-Export Clause only applied to imports and exports with foreign nations and did not apply to imports and exports with other states, although this interpretation has been questioned by modern legal scholars.

Answer:

idk

Explanation:

idk

Woodsmith magazine gave instructions on how to build a pine cupboard. Lumber will be needed for two shelves 1134 inches long, two base sides 1112 inches long, and two door stiles 2918 inches long. Your lumber comes in 6 foot lengths. A. How many feet of lumber will you need? (Enter your fraction in lowest terms.)

Answers

Answer:

Hi there!

You'll need 860.67 feet of lumber.

Explanation:

First we calculate the needs of lumber in inches

Shelves: 2 x 1,134 = 2,268 inches

Base Sides: 2 x 1,112 = 2,224 inches

Door stiles: 2 x 2,918 = 5,836 inches

Total inches long of lumber needed:

2,268 + 2,224 + 5,836 = 10,328 inches

Then we convert the unit of measure from inches to feet:

One inch equals 0.08333 feet.

10,328 x 0.08333 = 860.67 feet


Norris has a deductible of $1,000. He damages his car in an accident and it will
cost $3,300 to repair.
How much does Norris have to pay?

Answers

9514 1404 393

Answer:

  $1000

Explanation:

Norris must pay the deductible, $1000.

Answer:

$1000

Explanation:

#CARRYONLEARNING

your total debt from all loans should not exceed what percentage of your gross monthly salary?
a) 16%
b) 26%
c) 36%
d)40%

Answers

Answer: The answer is c) 36 percent

Explanation:

Billy Longstreet bought a new car and was a bit uncertain about whether or not he had done the right thing. Two days after he purchased it, he decided to take it back to the dealer for installation of some additional optional equipment. When Billy returned to the dealership to pick up the car after the installation, the salesman who sold Billy the car said, "You know, in the last two hours three different customers told me how much they liked the looks of your new car. One of them even wanted to know if it was for sale!" This attempt by the salesman to confirm the wisdom of Billy's purchase decision seems to be aimed at reducing:

Answers

Answer:

dissonance

Explanation:

Based on the information provided within the question it can be said that this attempt seemed to be aimed at reducing dissonance. This term refers to holds two or more contradictory beliefs, ideas, or values. Which in this scenario, the salesman makes this comment in order to see if Billy was satisfied and knew that his purchase was a good one. If Billy were to decide to sell the car to one of those interested buyers then it is likely because he does not know its value.

Dexter has recently joined an organization. His trainer, ken asks dexter to follow certain processes to complete his work faster. Dexter follows the processes without questioning ken. Which one of Aristotle's elements of good communication is being exemplified in the communication between dexter and ken?

Answers

Answer:

Ethos

Explanation:

Ethos is one of the three Aristotle's elements of good communication that is based on credibility. It explains the reason why a listener should believe what you are saying to them.

This can also come as a result of ones position and in the environment where he is communicating or because of his expertise and skills and knowledge in the subject of communication which actually convince the listeners that you are more knowledgeable.

Ken's position as Dexter's trainers makes allows his credibility to Ken.

Answer:

Ethos

Explanation:

Answered it right on edmentum

A comparative income statement is given below for McKenzie Sales, Ltd., of Toronto: McKenzie Sales, Ltd. Comparative Income Statement This Year Last Year Sales $ 7,400,000 $ 5,624,000 Cost of goods sold 4,750,000 3,513,500 Gross margin 2,650,000 2,110,500 Selling and administrative expenses: Selling expenses 1,392,000 1,079,000 Administrative expenses 704,500 608,500 Total expenses 2,096,500 1,687,500 Net operating income 553,500 423,000 Interest expense 101,000 87,000 Net income before taxes $ 452,500 $ 336,000 Members of the company’s board of directors are surprised to see that net income increased by only $116,500 when sales increased by $1,776,000. Required: 1. Express each year's income statement in common-size percentages. (Round your percentage answers to 1 decimal place (i.e., 0.1234 should be entered as 12.3).)

Answers

Answer:

Explanation:

In a common - size income statement , the percentages are calculated using the sales value as the base figure

                          This Year                            Last year    

Sales                 7,400,000            100        5,624,000     100

Cost of Goods  4,750,000            64.2        3,513,500     62.5

Gross Margin    2,650,000           35.8         2,110,500     37.5

Selling Exp.       1,392,000            18.8          1,079,000     19.2

Admin. Exp.         704,500             9,5           608,500       10.8

Total Exp.           2,096,500          28.3          1,687,500     30.0

Net Op. Inc.          553,500            7.5              423,000     7.5

Interest Exp.          101,000             1.4                87,000      1.6

NIBT                       452,500           6.1                336,000    6.0

"A" represents the new quantity demanded, while "B" represents the new quantity supplied.

1. What is the result of these changes?
a) equilibrium
b) excess supply
c) excess demand

2. Based on this graph, what will prices most likely do?
a) rise
b) fall
c) stay the same

**PLEASE INCLUDE EXPLANATION

Answers

Answer:

ca

Explanation:

because it is possible in the graph only

Answer:

1.) Excess supply

2.) Fall

Explanation:

Edge

Imagine you buy five burgers, two books, and a pair of jeans each period. In period 1,
burgers are $5, books are $12, and jeans are $30. In period 2, burgers are $6, books are
$14, and jeans are $28. What is the CPI based on your consumption?

Answers

Answer:

To find the answer, we use the Consumer Price Index (CPI) formula:

CPI = ( Cost of Market Basket in a Given Year / Cost of Market Basket in Base Year ) * 100

In this case, we will assume that the base year is period 1, and the given year is obviously period two.

Now, we simply plug the amounts into the formula:

CPI = ( 6 + 14 + 28 / 5 + 12 + 30 ) * 100

CPI = ( 48 / 47 ) * 100

CPI = 102.13

In other words, the inflation rate for this CPI was 2.13%

Echo Corporation uses a job-order costing system and applies overhead to jobs using a predetermined overhead rate. During the year the company's Finished Goods inventory account was debited for $360,000 and credited for $338,800. The ending balance in the Finished Goods inventory account was $36,600. At the end of the year, manufacturing overhead was overapplied by $15,900. The balance in the Finished Goods inventory account at the beginning of the year was: $15,900 $15,400 $21,200 $36,600

Answers

Answer:

The balance in the finished goods inventory account at the beginning of the year is $15,400.

Explanation:

Please see calculation for the balance in the finished goods inventory account at the beginning of the year.

= Ending balance of finished goods inventory + Credited finished goods inventory - Debited finished goods inventory.

= $36,600 + $338,800 - $360,000

= $15,400

We will ignore other information given because they are not useful for the purpose of this solution.

.WHAT ARE THE MERITS AND DEMERITS OF MNC

Answers

Explanation:

Merits

1. it has created a competition through which large varieties of a single goods is available in the market.

2. for the home country, it has lessens the dependence on import and lead to economic development by providing new jobs opportunity .

Demerits

1. in some host Nation, the appearance of MNC can regulate competition and main event create a monopoly .

2. workers in the MNCs are paid on an irregular bases and they are often laid off without any payment during the time of recession .

A physical count of supplies on hand at the end of May for Masters, Inc. Indicated $1,250 of supplies on hand. The general ledger balance before any adjustment is $2,100. What is the adjusting entry for office supplie s that should be recorded on May 31?

Answers

Answer:

Debit Supplies Expenses $850 and Credit supplies $850

Explanation:

Kimdly check attached picture for explanation

Four years ago, Mr. B sold his personal property on contract for $200,000, which resulted in a capital gain of $100,000. Mr. B properly elected to use the installment method of reporting and through last year had collected $40,000 on the contract. At the start of this year, the buyer defaulted on the contract, and Mr. B repossessed the property. At the time of repossession, the property had a fair market value of $160,000. What is the gain or loss to be reported on the repossession?

Answers

This question is incomplete because it lacks the appropriate options.

Complete Question

Four years ago, Mr. B sold his personal property on contract for $200,000, which resulted in a capital gain of $100,000. Mr. B properly elected to use the installment method of reporting and through last year had collected $40,000 on the contract. At the start of this year, the buyer defaulted on the contract, and Mr. B repossessed the property. At the time of repossession, the property had a fair market value of $160,000. What is the gain or loss to be reported on the repossession?

A) $20,000 Capital gain

B) $45,000 Ordinary income

C) $60,000 Ordinary income

D) $80,000 Capital gain

E) $100,000 Capital gain

Answer:

D) $80,000 Capital gain

Explanation:

From the question, we are told that Mr B sold his property for $200,000 on contract with $100,000 Capital gain. A Capital gain can be defined as the higher profit that is obtained from selling a property due to the fact that the price at which the house is been sold is higher than the price at which the property was bought.

This means the purchase price of Mr B's property = $100,000

Last year, Mr B collected $40,000 on the contract

Mr B repossessed his property which had a fair market value of $160,000 due to the default in payment of the buyer.

This means : Mr B collected a capital gain on repossession and this is calculated by:

(Selling price + Amount collected on contract) - Fair market value

($200,000 + $40,000 ) - $160,000

$240,000 - $160,000

= $80,000

Therefore , the gain to be reported on the repossession is $80,000 capital gain.

this is for you so i dont feel bad

Answers

Ok thank you very much

Anderson Corporation had a credit balance of $43,000 in its Retained Earnings account on December 31, 2014. Net income of $6,000 was reported on its income statement for the year ended December 31, 2015. Dividends in the amount of $5,625 were declared on December 31, 2015; the dividends are payable to the company's stockholders on February 1, 2016. The balance in its Retained Earnings account on December 31, 2015 equals _____.

Answers

Answer:

The balance in its Retained Earnings account on December 31, 2015 equals $43,375

Explanation:

Ending retained earnings = Beginning retained earnings + Net income - Dividend declare = $ 43,000 + $ 6,000 - $ 5,625

= $ 49,000 - $ 5,625

= $ 43,375

The balance in Anderson’s Retained Earnings account on December 31, 2019 is $ 43,375.

what is affiliate marketing?

Answers

Answer:

Member showcasing could be a sort of performance-based promoting in which a commerce rewards one or more associates for each guest or client brought by the affiliate's claim promoting endeavors. Partner promoting is the method of gaining a commission by advancing other people's (or company's) items. You discover a item you like, advance it to others and win a bit of the benefit for each deal merely make.

Answer:

Affiliate marketing is a marketing arrangement by which an online retailer pays commission to an external website for traffic or sales generated from its referrals.

Explanation:

The colonial government never made any sincere attempt to estimate India's National and per capita income. However some individual attempts were made to measure such incomes. Which among those individual attempts of estimates of national income and per capita income was considered very significant?

Answers

The correct answer to this open question is the following.

Among those individual attempts of estimates of national income and per capita income that were considered very significant to estimate India's National and per capita income in the colonial government, are the following.

Those important individual attempts belong to people like William Digby, Findlay Shirras, Dadabhai Naoroji, R.C. Desai, and VKVR Rao. From the British perspective, there was no real interest in the measurement of this economic indicator because what was important for the British government was to fulfill its economic and political interests such as the exploitation of natural resources and raw materials that were sent to England to be transformed in the fabrics and industries of London. The development or growth of India was never a goal.

ANSWER ASAPP. Changes in monetary policy occur when the Federal Reserve 1.adjusts business laws to affect the money supply. 2.changes taxation levels to affect the economy. 3.changes spending levels to affect the economy. 4.adjusts interest rates to affect the money supply.

Answers

Answer:

D

Explanation:

In the economic system, the monetary policies of the government are implemented through the banks.

Adjusting the rate of interest can only be done by the Federal Reserve.

All other options are under government fiscal policy.

Changes in monetary policy occur when the Federal Reserve adjusts interest rates to affect the money supply.

What is monetary policy?

Monetary policy are the policy steps taken by the Federal Reserve (the Central Bank) to affect the level of money supply. The way by which the Federal reserve can affect money supply is either through changing the interest rate or undertaking open market operations.

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Jeff's family thinks that Jeff has been initiated into a gang. Which clue does his family most likely link to gang affiliation? Please answer this correctly Match this weakness of the Articles of Confederation to the outcome it caused:The federal government could not print its own money.A. Inter-state disputes could not be settled.B. Trade between the states was difficult.C. Foreign governments controlled federal currency. I NEED HELP ANSWER QUESTION 1 AND 5 PLZ HURRY PLZ pls answer will reward with brinliest!! Find the measure of x: What can you say about the value of a if the equation y = ax^2 -8 has no solutions? Ecco Company sold $147,000 of kitchen appliances with six-month warranties during September. The cost to repair defects under the warranty is estimated at 6% of the sales price. On October 15, a customer required a $120 part replacement, plus $84 labor under the warranty. a. Provide the journal entry for the estimated expense on September 30. b. Provide the journal entry for the October 15 warranty work. If an amount box does not require an entry, leave it blank. At the Rowlett Holiday Paradethere were a total of 51 floats. If7 of those floats were fromsports teams, what percentwere NOT sports teams? If 3 boxes of apples weigh 105 pounds, how much would 2 boxes of apples weigh? The trait for medium-sized leaves in iris is determined by the genetic condition PP'. Plants with large leaves are PP, whereas plants with small leaves are P'P'. The trait for red flowers is controlled by the genes RR, pink by RR', and white by R'R'. A cross is made between two plants each with medium-sized leaves and pink flowers. If they produce 640 seedlings, what would be the expected phenotypes, and in what numbers would they be expected Why does New York State seldom experience earthquakes? Indicate whether each of the following indicates that a physical or chemical change has taken place when a piece of magnesium metal is studied: (a) Can be cut into tiny pieces (b) Fizzling occurs when placed water (c) Light is emitted when burned (d) Turns to ash F(x)=x^2+10 what is the average rate of change of f over the Interval [-2,-1]? 1. For each event state whether you think it is impossible,very unlikely, unlikely, evens, likely, very likely orcertain.a) Pick a club card from an ordinary pack of cardsb) Pick the ace of spades from an ordinary pack of cardsc) Tossing a coin and it landing on headsd) I roll a dice and get a 7e) Somebody you know is left handed2. Give two examples of events with the followingprobabilities.a) Impossibleb) Unlikelyc) Certaind) Likelye) Very likely Which operations are commutative and associative? Nordicism and Garveyism reflect each other. They are all based on 1 Racial pride. 2 Racial superiority. 3 Racialhate: 4 Racial warfare.A. 2 onlyB. 1 and 2 onlyC. 3 and 4 only Tori needs to make some house repairs in three years that will cost $9,000. She has some money in an account earning 9% annual interest. How much money needs to be in the account today so she will have enough to pay for the repairs The riot in Manzanar was caused by:A.)drunk military police officers who beat up two Japanese men.B.)Twelve Japanese-Americans who tried to escape from the camp.C.)The anger and resentment of the prisoners.D.)All of the choices are correct. Refrigerant-134a enters a 28-cm-diameter pipe steadily at 200 kPa and 20C with a velocity of 5.5 m/s. The refrigerant gains heat as it flows and leaves the pipe at 180 kPa and 40C. The specific volumes of R-134a at the inlet and exit are 0.1142 m3/kg and 0.1374 m3/kg. Determine (a) the volume flow rate of the refrigerant at the inlet, (b) the mass flow rate of the refrigerant, and (c) the velocity and volume flow rate at the exit.