Selling on Credit? The FTC Holder Rule Means Your Customer's Complaints Follow the Loan
Omitting the FTC Holder Rule notice (16 CFR 433) from consumer credit contracts is the seller's violation — and buyers can assert your disputes against lenders.
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Consumer Protection
Consumer protection laws, unfair trade practices, and customer rights compliance
NYC's Click-to-Cancel Rule Is Now in Effect: What Subscription Sellers Must Do to Comply
NYC's click-to-cancel rule is live: online cancellation is mandatory, renewals need 15-to-45-day notice, and fines run $525 to $3,500 per violation.
Your Repaired Car Is Worth Less Than Before the Crash: How Diminished Value Claims Work
Your repaired car lost resale value the day it crashed — a US diminished value claim bills the at-fault insurer for the gap.
Colorado HB25-1090 for Restaurants: How to Disclose Service Charges and Automatic Gratuities
Colorado HB25-1090 lets restaurants keep service charges if every menu, website and phone quote states the amount and who gets it before the guest orders.
Illinois Bans Junk Fees: What HB 228 Means for Your Prices in 2027
Illinois HB 228 requires all-in pricing from January 1, 2027 — mandatory fees belong in the advertised price; only taxes, government fees and shipping stay out.
Does Lemon Law Cover Your Work Truck? State Coverage, Fleet Exclusions, and the Federal Backstop
Lemon laws cover work trucks in some US states but not others; use, weight, and fleet tests decide, and a Section 179 buyback triggers depreciation recapture.
California Prop 65 Warnings: What Online Sellers Must Put on Labels and Websites
California Prop 65 reaches any seller shipping into the state with 10+ employees — warn before checkout, name the chemical, and relabel short forms by 2028.
Home Equity Agreements: What Shared-Appreciation Cash Really Costs
Home equity agreements trade cash now for a share of your home's future value — no interest, but a balloon settlement and no IRS mortgage-interest deduction.
Chile Killed the Paper Receipt for Printerless Businesses: Your 2026 Guide to Digital Boleta Delivery Rules
Since 1 March 2026, printerless Chilean businesses must deliver every boleta electrónica by email, SMS, WhatsApp or QR — fines reach 500% of the sale.
Your Chatbot Is Now Breaking EU Law Unless It Introduces Itself: A Small Business Guide to the AI Act's Transparency Rules
Since August 2, 2026, EU AI Act Article 50 forces chatbots to disclose they are AI and deepfakes to carry labels — US sellers with EU customers included.
Kuwait's Digital Commerce Law: How Instagram Sellers Register with MOCI
Kuwait's Decree-Law No. 10 of 2026 requires every social-media seller to register with MOCI, issue Arabic e-invoices, honor a 14-day return window, and keep influencer records five years — penalties reach KD 10,000 or a year in prison.
Buying on Contract? How a Contract for Deed Works — and the Federal Protections Most Buyers Never Hear About
In a contract for deed, the seller keeps legal title until your last payment while you pay the taxes, insurance, and repairs. Since the CFPB's 2024 advisory opinion, covered sellers must assess ability to repay, disclose the APR, and face limits on balloon payments.