#consumer-protection
Consumer protection laws, unfair trade practices, and customer rights compliance
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.
Retailers selling by weight must use an NTEP-certified scale, register it with their weights-and-measures authority, and reinspect annually — New York charges $20 to $100 per scale and requires requests 60 days before expiration. Selling by gross weight instead of net weight is a misdemeanor in California, with fines up to $1,000 per illegal transaction.
The FTC's Green Guides require competent and reliable scientific evidence before an environmental claim runs — an unqualified "recyclable" needs facilities available to at least 60% of consumers, "biodegradable" needs complete breakdown within one year of customary disposal, and California's AB 1305 adds a public disclosure page for carbon-neutral claims at up to $2,500 per day per violation.
Colorado's HB25-1090 took effect January 1, 2026, requiring any business that advertises a price to Colorado customers to show the maximum total including every mandatory fee, displayed more prominently than any other price. Violations are deceptive trade practices under the Colorado Consumer Protection Act — up to $20,000 per violation, treble damages in private suits, and 18% compounded interest on unlawful rental fees.
The FTC's December 2025 Instacart settlement priced three common practices at $60 million in refunds — "free delivery" with a mandatory service fee, a satisfaction guarantee paid out in credits, and trials converting without express consent — and this checklist maps each allegation onto disclosure, guarantee, and ROSCA subscription rules small businesses must follow.
Offering layaway for holiday 2026 lets retailers keep the full ticket price instead of paying 4-6% BNPL merchant fees — but deposits must be booked as liabilities until pickup, every fee disclosed in writing before the first payment, and sales tax timed to delivery. This guide covers the accounting entries, state disclosure rules, and the layaway-versus-BNPL math.
The FTC's amended COPPA Rule, finalized in January 2025 with compliance required by April 2026, reaches any app or website with actual knowledge of users under 13, not just products built for children. It requires a separate opt-in parental consent before sharing a child's data or serving targeted ads, a published retention schedule that bars indefinite storage, and a written security program, with civil penalties above $50,000 per violation. This guide lays out who is covered, which consent methods the FTC accepts, and a seven-step checklist a small team can run without a privacy department.
The Magnuson-Moss Warranty Act applies to every written warranty on a consumer product costing more than $10, requiring a full or limited title, forbidding blanket disclaimers of implied warranties and brand-name parts requirements, and mandating pre-sale access to the terms above $15. A small-seller guide with a 10-point compliance checklist.
Connecticut's amended Data Privacy Act took effect July 1, 2026, cutting the applicability threshold from 100,000 to 35,000 consumers, adding zero-threshold triggers for sensitive data and data sales, and removing the guaranteed 60-day cure period. Here is what changed, what arrives October 1, and a six-step checklist for small businesses.
Since July 1, 2026, a Washington homeowner holding an unsatisfied court judgment against a registered contractor can collect up to $25,000 per parcel from L&I's Homeowner Recovery Program, and the state then pursues the contractor for reimbursement. This guide covers the eligibility rules, the $30,000 general and $15,000 specialty bond requirements, and the job-costing, change-order, retention and sales-tax bookkeeping habits that keep a dispute from ending in a judgment.
Nearly 40 states cap emergency price increases — California at 10% above your own pre-emergency price — and most statutes require no proof of bad intent, only an increase past the threshold. Penalties reach $5,000 per violation in North Carolina and $20,000 in Texas, and the cost-justification defense works only if dated price snapshots and supplier invoices already exist.
Illinois replaced its pawnbroker statute with the Pawnbroker Regulation Act of 2023, ending auto-title advances under a pawn license, capping active licenses at 250 statewide (150 in specified populous counties), and adding electronic police reporting plus aggregate data collection. Here is how to structure a pawn shop's chart of accounts, book forfeitures at lower of cost or net realizable value, and run off title-secured balances separately.
