Consumer Action Handbook
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1 1 FEDERAL TRADE COMMISSION 2 3 4 5 DEBT COLLECTION DIALOGUE 6 A conversation between government and business 7 8 9 Monday, June 15, 2015 10 1:30 p.m. 11 12 13 Burchfield Penney Art Center 14 1300 Elmwood Avenue 15 Buffalo, New York 16 17 18 19 20 21 22 23 24 Reported by: Richard B. Whalen, CM 25 2 1 FEDERAL TRADE COMMISSION 2 I N D E X 3 Welcome: PAGE: 4 By Eric Schneiderman 6 5 Attorney General, New York State 6 7 Opening Remarks: 11 8 By Jessica Rich 9 Director, Bureau of Consumer Protection 10 Federal Trade Commission 11 12 Introduction: 19 13 By Thomas Kane, Senior Attorney 14 Division of Financial Practices 15 Bureau of Consumer Protection 16 Federal Trade Commission 17 18 Presentations: 20 19 By James Morrissey, Assistant Attorney 20 General Office of the New York 21 Attorney General 22 23 By Christopher Koegel, Assistant Director 24 Division of Financial Practices 25 Federal Trade Commission 3 1 2 FEDERAL TRADE COMMISSION 3 I N D E X (Cont.) 4 5 Presentations (Cont.): 6 By Greg Nodler, Senior Counsel 7 Enforcement Policy and Strategy 8 Consumer Financial Protection Bureau 9 10 By Joy Feigenbaum, Executive Deputy 11 Superintendent Financial Frauds and 12 Consumer Protection New York State 13 Department of Financial Services 14 15 Question-and-Answer Session: 74 16 17 Closing Remarks: 119 18 By Thomas Kane, Senior Attorney 19 Division of Financial Practices 20 Bureau of Consumer Protection 21 Federal Trade Commission 22 23 24 25 4 1 P R O C E E D I N G S 2 DR. -
Financial Literacy: an Essential Tool for Informed Consumer Choice?
NBER WORKING PAPER SERIES FINANCIAL LITERACY: AN ESSENTIAL TOOL FOR INFORMED CONSUMER CHOICE? Annamaria Lusardi Working Paper 14084 http://www.nber.org/papers/w14084 NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138 June 2008 I would like to thank Keith Ernst, Howell Jackson, Kevin Rhein, Peter Tufano, and participants to the conference "Understanding Consumer Credit: A National Symposium on Expanding Access, Informing Choices, and Protecting Consumers," Harvard Business School, November 2007, and the conference "Consumer Information and the Mortgage Market," Federal Trade Commission, Washington, D.C., May 2008 for suggestions and comments. This paper builds on several projects I have written in collaboration with Olivia Mitchell, whom I would like to thank for her encouragement, support, and many suggestions. Audrey Brown provided excellent research assistance. Any errors are my responsibility. This paper was written while visiting Harvard Business School and I would like to thank them, and in particular Peter Tufano, for their hospitality. The views expressed herein are those of the author(s) and do not necessarily reflect the views of the National Bureau of Economic Research. NBER working papers are circulated for discussion and comment purposes. They have not been peer- reviewed or been subject to the review by the NBER Board of Directors that accompanies official NBER publications. © 2008 by Annamaria Lusardi. All rights reserved. Short sections of text, not to exceed two paragraphs, may be quoted without explicit permission provided that full credit, including © notice, is given to the source. Financial Literacy: An Essential Tool for Informed Consumer Choice? Annamaria Lusardi NBER Working Paper No. -
5692 Rising Sun Avenue, Philadelphia, Pa 19120 Executive Summary
5692 RISING SUN AVENUE, PHILADELPHIA, PA 19120 EXECUTIVE SUMMARY Marcus & Millichap is pleased to present for sale a corporate guaranteed Rite Aid located in Philadelphia, Pennsylvania. Rite Aid is well located at the signalized intersection of Rising Sun Avenue and Adams Avenue. It is located in the neighborhood of Lawncrest, in the lower Northeast section of the city. Rising Sun Avenue is a main artery through Lawncrest, with over 18,000 vehicles passing by the Rite Aid daily. Surrounding national tenants include Dunkin Donuts, Burger King, Forman Mills, McDonald’s, Wells Fargo, Walmart, Ross and Staples. Rite Aid has 8 years left on their lease with eight, five year options. The original lease term was 20 years and is a NNN lease. Rite Aid was constructed in 2006. Rite Aid is one of the nation’s leading drugstore chains and dominates market share in Philadelphia. Rite Aid has over 2,500 stores concentrated on the east and west coasts. It was rated a B2 by Moody’s. The company is publicly traded on the New York stock exchange. PROPERTY INFORMATION PROPERTY OVERVIEW INVESTMENT HIGHLIGHTS AREA HIGHLIGHTS Address 5692 Rising Sun Avenue, Philadelphia, PA 19120 • Rite Aid has 8 years left on their NNN lease • Irreplaceable Philadelphia location Sale Price $5,084,000 • Corporate guaranteed and investment credit with • Well located at the signalized intersection of Rising CAP Rate 6.50% a credit rating of B2 by Moody’s Sun avenue and Adams Avenue Bldg SF 11,211 SF • Rental increases throughout the base term and • Surrounded by national retailers such as Wendy’s, five, five year option periods McDonald’s, Wells Fargo, Dunkin Donuts, Subway, Year Built 2006 Home Depot, Walmart, Dollar Tree, etc. -
NEIMAN MARCUS GROUP LTD LLC, Et Al.1 De
Case 20-32519 Document 2369 Filed in TXSB on 03/30/21 Page 1 of 16 IN THE UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF TEXAS HOUSTON DIVISION ) In re: ) Chapter 11 ) NEIMAN MARCUS GROUP LTD LLC, et al.1 ) Case No. 20-32519 (DRJ) ) Debtors. ) (Jointly Administered) ) CERTIFICATE OF SERVICE I, Ana M. Galvan, depose and say that I am employed by Stretto, the claims and noticing agent for the Debtors in the above-captioned case. On March 29, 2021, at my direction and under my supervision, employees of Stretto caused the following document to be served via facsimile on the service list attached hereto as Exhibit A, and via electronic mail on the service list attached hereto as Exhibit B: Reorganized Debtors’ Emergency Motion for Entry of Final Decree Closing Certain of the Chapter 11 Cases (Docket No. 2366) Furthermore, on March 30, 2021, at my direction and under my supervision, employees of Stretto caused the following document to be served via overnight mail on the service list attached hereto as Exhibit C: Reorganized Debtors’ Emergency Motion for Entry of Final Decree Closing Certain of the Chapter 11 Cases (Docket No. 2366) Dated: March 30, 2021 /s/ Ana M. Galvan Ana M. Galvan STRETTO 410 Exchange, Suite 100 Irvine, CA 92602 Telephone: 877-670-2127 Email: [email protected] ________________________________________ 1 A complete list of each of the Debtors in these Chapter 11 cases may be obtained on the website of the Debtors’ claims and noticing agent at http://cases.stretto.com/NMG. The location of Debtor Neiman Marcus Group LTD LLC’s principal place of business and the Debtors’ service address in these chapter 11 cases is One Marcus Square, 1618 Main Street, Dallas, Texas 75201. -
IN the UNITED STATES DISTRICT COURT for the SOUTHERN DISTRICT of TEXAS HOUSTON DIVISION TRAN ENTERPRISES, LLC D/B/A § NUTRITION
Case 4:08-cv-02748 Document 28 Filed in TXSD on 12/03/09 Page 1 of 28 IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF TEXAS HOUSTON DIVISION TRAN ENTERPRISES, LLC d/b/a § NUTRITION DEPOT, § § Plaintiff, § § CIVIL ACTION NO. H-08-2748 v. § § DHL EXPRESS (USA), INC., § § Defendant. § MEMORANDUM AND ORDER Tran Enterprises LLC, doing business as Nutrition Depot, sued DHL Express, a package carrier hired by Nutrition Depot. Nutrition Depot alleged that DHL failed to collect and remit $21,991.72 in collect-on-delivery (COD) payments for shipments DHL delivered to Nutrition Depot customers between April 3, 2006 and January 31, 2007. In the Second Amended Complaint, filed after removal, Nutrition Depot asserted that the Carmack Amendment to the Interstate Commerce Act, 49 U.S.C. § 14706, applied; asserted Texas common-law claims for breach of fiduciary duty, breach of contract, and conversion; and asserted a claim under the Texas Theft Liability Act, TEX. CIV. PRAC. & REM. CODE § 134.001, et seq. In addition to the $21,999.72 in actual damages, Nutrition Depot seeks between $75,375 and $80,775 in attorney’s fees. The following motions are pending: C Nutrition Depot has moved for summary judgment on its state-law claims for breach of fiduciary duty, breach of contract, conversion, and theft of property. (Docket Entry No. 19). DHL has responded, (Docket Entry No. 20), and Nutrition Depot has Case 4:08-cv-02748 Document 28 Filed in TXSD on 12/03/09 Page 2 of 28 replied, seeking summary judgment that DHL is also liable under the Carmack Amendment, (Docket Entry No. -
Report of Examination of Colonial Penn Life Insurance Company
Examination Warrant Number 18-00233-62065-R1 Report of Examination of Colonial Penn Life Insurance Company Philadelphia, Pennsylvania As of December 31, 2018 Colonial Penn Life Insurance Company TABLE OF CONTENTS Subject Page Salutation .........................................................................................................................................1 Scope of Examination......................................................................................................................1 History..............................................................................................................................................2 Management and Control: Capitalization .............................................................................................................................2 Stockholder ................................................................................................................................3 Insurance Holding Company System.........................................................................................3 Board of Directors......................................................................................................................4 Committees ................................................................................................................................5 Officers ......................................................................................................................................5 Corporate Records: Minutes ......................................................................................................................................6 -
Finding Aid for the Cleveland Press Photograph Collection
Finding aid for the Cleveland Press Photograph Collection Repository: Cleveland State University Title: Cleveland Press Photograph Collection Inclusive Date(s): 1920-1982 Author: Finding aid prepared by Lynn Duchez Bycko Creation: Finding aid encoded by Kiffany Francis using the OhioLINK EAD Application in 2009 Descriptive Rules: Finding aid prepared using Finding aid prepared using Describing Archives: A Content Standard. Origination: Cole, Joseph E. Extent: 882 linear feet Physical Location: Abstract: After the Cleveland Press newspaper ceased publication on June 17, 1982. Joseph E. Cole, its publisher, donated the "morgue" to Cleveland State University. Representing the archived editorial library, sometimes referred to as a "newspaper morgue," topics focus on the news coverage of northeastern Ohio, with national and international news stories holding a secondary level of importance.The Cleveland Press photograph collection is composed of an archive of over one million photographs. Unit ID: PH2000.000PRE Language(s) of the Materials: English History of The Cleveland Press The Cleveland Press, founded by Edward W. Scripps, began as the Penny Press on 2 Nov. 1878. A small, 4-page afternoon daily, the paper continued to prosper. Shortened to the Press in 1884, and finally the Cleveland Press in 1889, by 1903 the Press was Cleveland's leading daily newspaper. As it entered the 1920s, the Press neared 200,000 in circulation. Louis B. Seltzer became the 12th editor of the Press in 1928, and under his 38-year stewardship the Press became one of the country's most influential newspapers. Seltzer readjusted its original working-class bias into a less controversial neighborhood orientation, stressing personal contacts and promoting the slogan "The Newspaper That Serves Its Readers." In the postwar period the Press continued its public service campaigns and remained an unrivaled force in Ohio politics. -
USCA Case #20-1145 Document #1881108 Filed: 01/21/2021 Page 1 of 43
USCA Case #20-1145 Document #1881108 Filed: 01/21/2021 Page 1 of 43 ORAL ARGUMENT NOT YET SCHEDULED UNITED STATES COURT OF APPEALS FOR THE DISTRICT OF COLUMBIA CIRCUIT COMPETITIVE ENTERPRISE INSTITUTE, et al., Petitioners, v. No. 20-1145 (consolidated with NATIONAL HIGHWAY TRAFFIC Nos. 20-1167, 20-1168, 20-1169, SAFETY ADMINISTRATION, et al., 20-1173, 20-1174, 20-1176, 20- 1177, 20-1230) Respondents, ALLIANCE FOR AUTOMOTIVE INNOVATION, et al. Intervenors for Respondents. BRIEF OF AMICUS CURIAE CONSUMER REPORTS IN SUPPORT OF COORDINATING PETITIONERS George P. Slover Cale Jaffe Senior Policy Counsel Director, Environmental Law and Consumer Reports Community Engagement Clinic 1101 17th St., NW, Suite 500 University of Virginia School of Law Washington, DC 20036 580 Massie Rd. Tel: (202) 462-6262 Charlottesville, VA 22903 [email protected] Tel: (434) 924-4776 [email protected] Dated: January 21, 2021 Counsel of Record for Amicus Curiae Consumer Reports USCA Case #20-1145 Document #1881108 Filed: 01/21/2021 Page 2 of 43 CERTIFICATE AS TO PARTIES, RULINGS, AND RELATED CASES A. Parties and Amici Except for the following, all Petitioners, Respondents, Intervenors, and Amici Curiae appearing before this Court are as listed in the Briefs of Petitioners Center for Biological Diversity, et al., City and County of Denver, et al., and National Coalition for Advanced Transportation, et al. Amici Curiae: Consumer Reports; and The Coalition to Protect America’s National Parks, the National Parks Conservation Association, New Mexico Wilderness Alliance; and American Thoracic Society, American Lung Association, American Medical Association, Medical Society of the District of Columbia; and National League of Cities, U.S. -
Essays on Transparent IT Support for Asymmetric Client-Advisor Encounters: the Case of Swiss Investment Advisory Services
Zurich Open Repository and Archive University of Zurich Main Library Strickhofstrasse 39 CH-8057 Zurich www.zora.uzh.ch Year: 2012 Essays on transparent IT support for asymmetric client-advisor encounters: the case of Swiss investment advisory services Nussbaumer, Philipp Abstract: Investment advisory encounters are strained by information, knowledge and interest asymme- tries between client and advisor. These are detrimental to advisory quality and client satisfaction, leading to an unfavorable client perception of investment advisory services. This situation is disadvantageous for both clients and financial service providers. Clients increasingly turn to other information sources and fail to reap advisory services’ potential benefits for their investment decisions; financial service providers fail to exploit personalized advisory services as one the most promising differentiation strategies against competitors and struggle with low client satisfaction and retention. This dissertation suggests a novel approach for these issues: addressing asymmetries in investment advisory encounters with transparent, shared IT artifacts. Hence, it is based on the following thesis: Shared collaborative IT artifacts are a fea- sible and useful means to improve transparency of investment advisory encounters and, thus, to increase client satisfaction. The dissertation supports this thesis along three research essays: Essay I provides an empirical investigation of the status quo of Swiss investment advisory services. It suggests that investment advisory -
Sacrificing Privacy for Convenience: the Need for Stricter FTC Regulations in an Age of Smartphone Surveillance
Journal of the National Association of Administrative Law Judiciary Volume 34 Issue 2 Article 6 12-15-2014 Sacrificing Privacy for Convenience: The Need for Stricter FTC Regulations in an Age of Smartphone Surveillance Ashton McKinnon Follow this and additional works at: https://digitalcommons.pepperdine.edu/naalj Part of the Administrative Law Commons, Consumer Protection Law Commons, Privacy Law Commons, and the Science and Technology Law Commons Recommended Citation Ashton McKinnon, Sacrificing Privacy for Convenience: The Need for Stricter FTC Regulations in an Age of Smartphone Surveillance, 34 J. Nat’l Ass’n Admin. L. Judiciary 484 (2014) Available at: https://digitalcommons.pepperdine.edu/naalj/vol34/iss2/6 This Comment is brought to you for free and open access by the Caruso School of Law at Pepperdine Digital Commons. It has been accepted for inclusion in Journal of the National Association of Administrative Law Judiciary by an authorized editor of Pepperdine Digital Commons. For more information, please contact [email protected], [email protected], [email protected]. Sacrificing Privacy for Convenience: The Need for Stricter FTC Regulations in an Age of Smartphone Surveillance By Ashton McKinnon* TABLE OF CONTENTS I. INTRODUCTION ......................................................................... 486 II. THE SMARTPHONE .................................................................... 488 III. APPS ........................................................................................ -
Sok: Fraud in Telephony Networks
SoK: Fraud in Telephony Networks Merve Sahin∗y, Aurelien´ Francillon∗, Payas Guptaz, Mustaque Ahamadx ∗Eurecom, Sophia Antipolis, France fmerve.sahin, [email protected] yMonaco Digital Security Agency zPindrop, Atlanta, USA [email protected] xGeorgia Institute of Technology, USA [email protected] Abstract—Telephone networks first appeared more than a future research, increase cooperation between researchers hundred years ago, long before transistors were invented. They, and industry and finally help in fighting such fraud. therefore, form the oldest large scale network that has grown Although, we focus on telephony fraud, our work has to touch over 7 billion people. Telephony is now merging broader implications. For example, a recent work shows many complex technologies and because numerous services how telephony fraud can negatively impact secure creation enabled by these technologies can be monetized, telephony of online accounts [1]. Also, online account takeovers by attracts a lot of fraud. In 2015, a telecom fraud association making a phone call to a call center agent have been reported study estimated that the loss of revenue due to global telecom in the past [2], [3]. Telephony is considered as a trusted fraud was worth 38 billion US dollars per year. Because of the medium, but it is not always. A better understanding of convergence of telephony with the Internet, fraud in telephony telephony vulnerabilities and fraud will therefore help us networks can also have a negative impact on security of online understand potential Internet attacks as well. services. However, there is little academic work on this topic, in part because of the complexity of such networks and their 1.1. -
Speaker Biographies Conference Producer and Co-Founder
SPEAKER BIOGRAPHIES CONFERENCE PRODUCER AND CO-FOUNDER HARRY JAVER President - The Conference Bureau, Inc. Harry Javer is the founder and president of The Conference Bureau. In 1994, Harry created and co-founded The Lodging Conference, which is now in its 21st year. Harry is the current chairman of the AH&LEF Fund Development Committee, which is responsible for overseeing the Annual Giving Campaign. The Lodging Conference has sponsored AH&LEF scholarship recipients to attend the conference for the last 13 years. With 34 years of experience creating and running conferences, seminars, concerts and tradeshows, Harry has produced events featuring such notables as: Al Gore, Rudy Giuliani, Sir Richard Branson, Bishop Desmond Tutu, Donald Trump, Pete Peterson, Bono, Charlton Heston, Anthony Robbins, Magic Johnson, Deepak Chopra, Jerry Lewis, Joe Torre, George Foreman, Kareem Abdul-Jabbar, Joe Montana, and thousands of America’s corporate leaders. Harry is an advisor to some of the nation’s leading live event companies including One Day University, and The Learning Annex. The Conference Bureau has also co-produced the Rock N’ Roll Fantasy Camp. A graduate of Stony Brook University, Harry resides in New York City with his wife Elizabeth and son Jack. SPEAKER BIOGRAPHIES MATTHEW D. AHO Consultant - Akerman LLP Matthew Aho helps clients identify and pursue opportunities at the nexus of Cuba policy and business. During his years at the Council of the Americas, the Western Hemisphere’s premiere business membership organization, Matthew led efforts to unite senior executives of select-Fortune 500 companies with officials from the U.S. departments of State, Commerce, Treasury, and the National Security Council to discuss topics including financial services, telecommunications, energy, pharmaceuticals, hospitality, and agriculture.