Consumer Protection and Laws

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(Free-Press-Release.com) June 14, 2007 -- Consumer Protection and Law

A consumer is defined as a person who purchases goods for personal use as opposed to resale. Consumer law is designed to protect consumers and provide the legal framework for certain types of transactions. Although consumer law deals with everyday transactions where very little usually goes wrong, it exists as a set of rules that are in place to settle any disputes that may arise.

Consumer protection is a form of government regulation which protects the interests of consumers. For example, a government may require businesses to disclose detailed information about products�particularly in areas where safety or public health is an issue, such as food. Consumer protection is linked to the idea of consumer rights and to the formation of consumer organizations which help consumers make better choices in the marketplace.
Consumer protection law or consumer law is considered an area of public law that regulates private law relationships between individual consumers and the businesses that sell those goods and services. Consumer protection covers a wide range of topics including but not necessarily limited to product liability, privacy rights, unfair business practices, fraud, misrepresentation, and other consumer/business interactions.

Such laws deal with credit repair, debt repair, product safety, service contracts, bill collector regulation, pricing, utility turnoffs, consolidation, personal loans that may lead to bankruptcy and much more.
In the United States there are a variety of laws at both the federal or state levels that regulate consumer affairs. Among them are the federal Fair Debt Collection Practices Act, the Fair Credit Reporting Act, Truth in Lending Act, Fair Credit Billing Act. Federal consumer protection laws are mainly enforced by the Federal Trade Commission and the U.S. Department of Justice.
At the state level, many states have a Department of Consumer Affairs devoted to regulating certain industries and protecting consumers who regularly use goods and services from those industries.

Visit www.YourLemonLawRights.com for more information on state level consumer protection laws.
About the Author:
Ronaldo Wagh
www.YourLemonLawRights.com � Your source for free case review and the consumer fraud prevention tips.