#consumer-protection
Consumer protection laws, unfair trade practices, and customer rights compliance
ROSCA demands clear disclosure, express consent, and simple cancellation for subscriptions — book prepaid plans as deferred revenue and clear it at each cancel.
FTC refund checks prove gig pay gaps are real — reconcile gross-to-net payouts, log miles at the IRS 72.5-cent rate, report all income on Schedule C.
US sellers must show all-in prices under the FTC's 2025 Fees Rule — StubHub paid $10M for three days of drip fees, so audit displays and split fee revenue.
Walmart's $100M Spark settlement locks pay at acceptance — snapshot every offer, pass tips through in full, and reconcile payouts to IRS 1099-NEC totals.
FCRA Section 609(e) gives fraud victims your transaction records free within 30 days — Amazon's $2.25M fine shows what refusal costs.
ROSCA requires clear disclosure, express consent and simple cancellation for online subscriptions — the FTC's June 2026 TRO shows the cost of ignoring them.
Three firms must pay $930,000 for selling fake AI 'Active Listening' ads; deceived buyers get redress, booked against ad expense, not revenue.
Reg CC limits check holds to two business days with $275 next day, but large-deposit, new-account, and overdraft exceptions stretch holds to day seven or nine.
Deferred interest accrues from the purchase date and lands all at once if $1 remains — compute the true monthly payoff and finish a month early.
A 0% IRS refund advance still costs the prep fee you paid to qualify — and you owe the full advance if your refund comes in short.
Charm prices exploit the left-digit effect, anchors set the reference, and decoys steer tier choice — six tactics with the research behind each.
RESPA locks lender fees to the Loan Estimate quote, bans referral kickbacks, and caps escrow cushions at two months — know the buckets before you sign.
