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Jeffrey Mandel can also be located under the names Mandel, Mandell, Jeffrey Mandel, Jeff Mandel, Jeff Mandell, Jeffrey Mandell, Jeffrey S. Mandel, and Jeffrey S. Mandell
Below are some of consumer protection laws that protect you in New Jersey
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If you feel that you are a victim of one of these laws, feel free to contact Jeffrey S. Mandel, Esq. at 973-921-0003
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Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, which adds to the Truth-in-Lending Act disclosure requirements in consumer transactions involving the prepayment of certain credit balances;
Children’s Online Privacy Protection Act, which requires certain parental notifications when commercial websites and online services direct their communications to, or knowingly collect information from, children under 13;
Consumer Leasing Act, which adds to the Truth-in-Lending Act protections for certain property leases of over four months, including disclosure requirements and limits on damages for consumer breaches of those leases;
Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003, which controls the content of certain unsolicited commercial e-mails, including trickery to entice the opening of e-mails, and which, among other things, requires opt-out procedures;
Credit Card Accountability Responsibility and Disclosure Act of 2009, which adds to the Truth-in-Lending Act certain disclosure requirements for open-end credit, adds protections for issuing credit cards to minors, and amends other consumer protection laws, including the Electronic Fund Transfer Act (related to gift certificates, store gift cards, and prepaid cards) and the Fair Credit Reporting Act (related to advertising for free credit reports;
Credit Repair Organizations Act, which adds to the Consumer Credit Protection Act provisions related toregarding representations related to consumer credit and which requires certain disclosures when offering to repair credit in addition to controlling the content of contracts for credit repair services;
Crimes Against Charitable Americans Act of 2001, which adds to the Telemarketing and Consumer Fraud and Abuse Prevention Act telemarketing prohibitions for fraudulent charitable solicitations and which requires certain disclosures by telemarketers seeking donations for charities;
Consumer Protection Act (see also the Electronic Fund Transfer Act, Credit Repair Organizations Act, and Equal Credit Opportunity Act);
Consumer Credit Protection Act (see also the Electronic Fund Transfer Act and Fair Debt Collection Practices Act);
Do-Not-Call Registry Act of 2003 (and Do-Not-Call Implementation Act of 2003, Do-Not-Call Registry Fee Extension Act of 2007, and Do-Not-Call Improvement Act of 2007), which set forth rules for telephoning consumers by telemarketers;
Dodd-Frank Wall Street Reform and Consumer Fraud Act, which enables the Bureau of Consumer Financial Protection to protect consumers of financial products and services from improper practices;
Dolphin Protection Consumer Information Act, which prohibits those selling tuna from improperly representing that the tuna is “dolphin sale”;
Electronic Fund Transfer Act, which sets forth rules related to electronic fund transfers, including a requirement for resolving errors in electronic fund transfers and limiting liability for unauthorized transfers;
Energy Policy Act of 1992 (and Energy Policy Act of 2005), which seeks implementation of disclosure requirements related to incandescent and fluorescent light bulbs, plumbing fixtures, and for both fuel and non-petroleum fuel alternatives;
Energy Policy and Conservation Act (see also the Energy Policy Act of 1992), which, among other things, sets forth labeling requirements related to “energy efficiency ratings” on certain household appliances;
Energy Policy Act of 2005, which expands labeling requirements related to “energy efficiency ratings” and adds protections related to privacy of electricity consumers;
Equal Credit Opportunity Act, which prohibits discrimination related to any rights afforded under the Consumer Credit Protection Act and which also requires disclosures to applicants related to decisions denying credit;
Fair and Accurate Credit Transactions Act of 2003, which adds to the Fair Credit Reporting Act provisions geared towards improving the accuracy of credit-related records, adds protections against identity theft, and which affords consumers one free credit report per year from each credit reporting agency and the opportunity to purchase information on their credit score and how it is calculated;
Fair Credit and Charge Card Disclosure Act, which adds to the Truth-in-Lending Act a requirement for certain disclosures in certain applications and solicitations to open-end credit and charge accounts;
Fair Credit Billing Act, which adds to the Truth-in-Lending Act a requirement for expeditious written acknowledgements of consumer billing complaints and appropriate investigations of billing errors, including a requirement that creditors limit their actions against consumers until the investigation is complete and provide certain refunds;
Fair Credit Reporting Act (see also Fair and Accurate Credit Transactions Act of 2003), which affords broad protections to consumers related to the information collected by consumer reporting agencies, how that information must be substantiated, and disclosure requirements when the information results in adverse action whether related to credit, insurance, or employment;
Fair Debt Collection Practices Act, which provides comprehensive protection to consumers from the actions of third-party debt collectors;
Fair Packaging and Labeling Act, which permits promulgating regulations on labeling of consumer commodities other than food, drugs, therapeutic devices, and cosmetics, and also permits regulations related to ingredient disclosures, “slack fill” of packages, price discount labeling, and characterization of package sizes;
Fairness to Contact Lens Consumers Act, which addresses the availability of contact lens prescriptions to patients;
Federal Deposit Insurance Improvement Act of 1991, which sets forth certain disclosure requirements when a financiale institution is not federally insured;
Fur Products Labeling Act, which sets forth requirements for labeling and advertising products with fur;
Health Information Technology Provisions of American Recovery and Reinvestment Act of 2009, which addresses notices of privacy breaches of information obtained by third parties that fall beyond the purview of the Health Insurance Portability & Accountability Act;
Hobby Protection Act, which sets forth marketing limitations on numismatic and collectible political items;
Home Equity Loan Consumer Protection Act, which adds to the Truth-in-Lending Act disclosures for open-end credit secured by a consumer’s dwelling;
Home Ownership and Equity Protection Act, which adds to the Truth-in-Lending Act prohibitions related to stripping a home of equity in connection with certain mortgages;
Magnuson Moss Warranty Act, which sets forth regulations for written and implied warranties;
Petroleum Marketing Practices Act, which permits the promulgation of rules for calculating and posting gasoline octane ratings;
Postal Reorganization Act of 1970, which prohibits the use of the mail system to send unordered merchandise to consumers;
Restore Online Shopper’s Confidence Act, which, after a consumer makes a purchase through an online transaction, prohibits third party sellers from then charging online the customer for additional goods or services unless certain disclosures are made, the customer provides express informed consent to the additional charge, and the customer directly provides his or her account information to the third party seller;
Sports Agent Responsibility and Trust Act, which limits the conduct of sports agents related to the signing of contracts with student athletes;
Telecommunication Act of 1996, which expanded the disclosure requirements for 900 telephone numbers set forth in the Telephone Disclosure and Dispute Resolution Act of 1992 to audio-text services accessible through numbers other than 900 numbers;
Telemarketing and Consumer Fraud and Abuse Prevention Act (see also the Crimes Against Charitable Americans Act of 2001 and Do-Not-Call Registry Act of 2003), which authorizes the promulgation of rules related to and defining deceptive telemarketing acts, limiting any pattern of unsolicited calls, restricting time periods for such calls, and requiring up-front disclosures when calls are placed;
Telephone Disclosure and Dispute Resolution Act of 1992 (see also Telecommunication Act of 1996), which authorizes the promulgation of rules for the use of 900 telephone numbers, including price disclosures;
Textile Fiber Products Identification Act, which addresses disclosures related to labeling and sale of textile fiber products;
Children’s Online Privacy Protection Act, which requires certain parental notifications when commercial websites and online services direct their communications to, or knowingly collected information from, children under thirteen;
Truth-in-Lending Act (see also the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, Consumer Leasing Act, Credit Card Accountability Responsibility and Disclosure Act of 2009, Fair Credit and Charge Card Disclosure Act, Fair Credit Billing Act, Fur Products Labeling Act, Home Equity Loan Consumer Protection Act, and Home Ownership and Equity Protection Act), which addresses disclosure requirements related to providing credit to consumers;
Unlawful Internet Gambling Enforcement Act, which addresses payment for, and collection of, internet gambling and related debts;
Violent Crime Control and Law Enforcement Act of 1994, which requires, among other things, accurate representations of a product as being “Made in America” or “Made in the U.S.A.”; and
Wool Products Labeling Act, which sets forth requirements for labeling and advertising products with wool.
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