CONSUMER ORGANISATIONS UNIT 11 Strategies (Campaign and Advocacy) 5
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Sass Employment Reference Check Verification Products: Employment and Income Related Information User Agreement
SASS EMPLOYMENT REFERENCE CHECK VERIFICATION PRODUCTS: EMPLOYMENT AND INCOME RELATED INFORMATION USER AGREEMENT 1. The terms and conditions contained in this User Agreement apply to information supplied by ADP’s third party vendor, TALX Corporation, a provider of Equifax Verification Solutions (“Equifax”), and used to verify certain employment and income related information (“Employment Information”). Client will request Employment Information only for Client’s exclusive use and held in strict confidence except to the extent that disclosure to others is required or permitted by law. Only designated representatives of Client will request Employment Information on Client’s employees, and employees will be forbidden to obtain Employment Information on themselves, associates or any other persons except in the exercise of their official duties. Client will not disclose Employment Information to a consumer except as permitted or required by law. 2. Client recognizes that Employment Information is not guaranteed for accuracy. 3. Client agrees to indemnify, defend and hold Equifax and its respective shareholders, directors, officers, employees, agents, subsidiaries, and affiliates (“Indemnified Party Indemnitees”) harmless from and against any and all losses, injuries, claims, demands, liabilities, obligations, suits, penalties, forfeitures, costs or expenses of every type or kind, including reasonable attorneys’ fees actually incurred, disbursements and costs of investigation which are imposed upon, incurred by or asserted against the Indemnified -
Consumer Organizations and Promotion of Sustainable Energy Consumption: Comparative Product Quality Testing and Its Impact
Panel III, 04 – Wahnschafft/Huh Consumer Organizations and Promotion of Sustainable Energy Consumption: Comparative Product Quality Testing and its Impact Ralph WAHNSCHAFFT Energy Resources Section, United Nations Economic and Social Commission for Asia and Pacific (UN-ESCAP), Bangkok, Thailand Kwisun HUH Department of Environmental Science & Engineering, Hanguk University of Foreign Studies, Seoul, Republic of Korea 1 - SYNOPSIS This paper reports selected preliminary results of an ongoing survey on consumer organizations. It analyzes comparative product quality testing and its potential impact on promotion of energy efficiency. 2 - ABSTRACT The paper provides an overview on consumer organizations in OECD and high income developing countries, in particular with regard to their consumer information activities. It focuses on a review of comparative product testing of selected electrical home appliances and on test reports in consumer interest magazines. The paper analyzes the relative weights allocated to the different product quality criteria, including energy efficiency. Based on the above the paper reflects on the role that consumer organizations can play in the promotion of “green consumerism” and sustainable energy consumption, in particular with regard to the residential sector. 3 - INTRODUCTION 3.1. Background and objectives Advancing commercialization of societies has brought with it the formation of a growing number of local and national consumer interest groups. Today, Consumers International, the largest federation of consumer organizations and agencies worldwide, counts 243 member organizations in over 110 countries (1). Individual organizations greatly differ in their membership and organization, their sources of financing and government sponsorship, their work methods, activities and relative political influence. However, enhancement of consumer protection and better consumer information are overall common objectives that unite the “consumer movement”. -
Mass-Marketing Fraud
Mass-Marketing Fraud A Report to the Attorney General of the United States and the Solicitor General of Canada May 2003 ��� Binational Working Group on Cross-Border Mass-Marketing Fraud Table of Contents Executive Summary ......................................................... ii Introduction ...............................................................viii Section I: Mass-Marketing Fraud Today ........................................1 Section II: The Response to Mass-Marketing Fraud, 1998-2003 .................... 26 Section III: Current Challenges in Cross-Border Fraud - Towards A Binational Action Plan .................................................................56 Appendix - Selected Cross-Border Mass-Marketing Fraud Enforcement Actions ..... 69 i Executive Summary Section I: Mass-Marketing Fraud Today Telemarketing Fraud ! Cross-border telemarketing fraud remains one of the most pervasive forms of white-collar crime in Canada and the United States. The PhoneBusters National Call Centre estimates that on any given day, there are 500 to 1,000 criminal telemarketing boiler rooms, grossing about $1 billion a year, operating in Canada. (3) ! Several types of cross-border telemarketing fraud have increased substantially from 1997 to 2002: fraudulent prize and lottery schemes; fraudulent loan offers; and fraudulent offers of low-interest credit cards or credit-card protection. (3) ! Seven trends in cross-border telemarketing fraud since 1997 are especially noteworthy: • (1) Types of Telemarketing Fraud “Pitches”. The most prevalent among Canadian-based telemarketing fraud operations are fraudulent offers of prizes or lotteries; fraudulent loan offers; and fraudulent offers of low- interest credit cards or credit-card protection. (5) • (2) Methods of Transmitting Funds. Criminal telemarketers generally prefer their victims to use electronic payment services, such as Western Union and Travelers Express MoneyGram, to send funds for the promised goods or services. -
Experts Workshop on Information and Consumer Decision-Making for Sustainable Consumption Programme on Sustainable Consumption
OECD Environment Directorate Programme on Sustainable Consumption Experts Workshop on Information and Consumer Decision-Making For Sustainable Consumption 16-17 January 2001 OECD Headquarters, Paris BACKGROUND PAPER 1 TABLE OF CONTENTS Introduction .................................................................................................................................................3 1. Information Channels ..............................................................................................................................3 1.1 Information in the Market..................................................................................................................4 1.1.1 Environmental Labelling: Eco-labels and Environmental Claims ..............................................4 1.1.2 Corporate Environmental Reports...............................................................................................7 1.1.3 Advertising ..................................................................................................................................7 1.1.4 Retailers: Strategic Information ..................................................................................................9 1.2 The Mass Media...............................................................................................................................10 1.3 Social Organisations ........................................................................................................................12 2. Information and Consumer Decision-Making -
Dear Michigan Senior, As Your Attorney General, I Have Heard
STATE OF MICHIGAN DEPARTMENT OF ATTORNEY GENERAL P.O. BOX 30212 LANSING, MICHIGAN 48909 BILL SCHUETTE ATTORNEY GENERAL Dear Michigan Senior, As your Attorney General, I have heard countless stories of financial abuse against members of our senior population, ranging from sweepstakes scams to shady offers of home medical equipment and everything in between. Fast-talking telemarketers, phony charities, fly-by-night home repair contractors, and unscrupulous investment "advisors" are but a few examples of the many varieties of criminal predators who target seniors. My policy is to prosecute companies and individuals that commit fraud against seniors, and many charges have been brought. But in order to prevent criminals from getting away with fraud, I need your help. Knowledge of how scams operate and vigilance in scrutinizing requests for money or personal information are the keys to stopping criminals before they make off with someone's savings or commit a fraud in someone else's name. This Guide highlights many of the most common scams aimed at seniors. While criminals pitch their scams in many different forms, this Guide will help you to spot the common warning signs and empower you to protect yourself and your loved ones. This booklet also provides a variety of other information I hope you will find of value. This includes tips on protecting your personal information and reducing your exposure to identity theft, including directions for getting your name off unwanted telemarketing and junk mail lists and for exercising your right to receive free annual credit reports. The Guide also gives you advice on reviewing offers for living trusts, burial and funeral contracts, home improvements, investment products, and travel services. -
The Proposed European Ban on Children's Television Advertising Janice H
Northwestern Journal of International Law & Business Volume 21 Issue 2 Winter Winter 2001 Barbie Banished from the Small Screen: The Proposed European Ban on Children's Television Advertising Janice H. Kang Follow this and additional works at: http://scholarlycommons.law.northwestern.edu/njilb Part of the Juveniles Commons Recommended Citation Janice H. Kang, Barbie Banished from the Small Screen: The rP oposed European Ban on Children's Television Advertising, 21 Nw. J. Int'l L. & Bus. 543 (2000-2001) This Comment is brought to you for free and open access by Northwestern University School of Law Scholarly Commons. It has been accepted for inclusion in Northwestern Journal of International Law & Business by an authorized administrator of Northwestern University School of Law Scholarly Commons. Barbie Banishedfrom the Small Screen 21:543 (2001) Barbie Banished from the Small Screen: The Proposed European Ban on Children's Television Advertising Janice H. Kang* Advertisers, toymakers, and candy companies are in a cold sweat all over Europe. Sweden took the helm of the European Union ("EU") as President in January 2001, and is expected to press for an EU-wide ban on television advertising to children. Will the ban pass? Should the ban pass? Calls for tighter restrictions on television advertising abound in Europe. Currently, alcohol, drugs, cars, and even fatty foods will soon come under scrutiny to determine whether commercials for such products should be banned.1 Concerns run to fraud and the glamorization of danger- ous activities. But the issue most hotly debated at present is the proposed ban on television advertising aimed at children. -
(1) Assist School Consumer Education That Meets Students Needs
DOCUMENT RESUME ED 120 072 SO 008.975 TITLE Guidelines for Consumer Education. Revised. INSTITUTION Illinois State Office of Education, Springfield. PUB DATE Apr 72 NOTE 69p. EDRS PRICE MF-$0.83 HC-$3.50 Plus Postage DESCRIPTORS Class Activities; Consumer Economics; *Consumer Education; Consumer Protection; Credit (Finance); *Guidelines; *High School Curriculum; Investment; Money Management; *Program Planning; Purchasing; Secondary Education; Social Studies; State Curridulum Guides; Taxes IDENTIFIERS Illinois ABSTRACT This guide is intended to assist school personnel by clarifying issues, provide directions in basic information, and stimulate practical considerations for the learner in the area of consumer education. Its objectives are to (1) assist school administrators in the implementation of consumer education, and (2) assist secondary teachers in planning an instructional program in consumer education that meets studentsneeds. An introduction offers a rationale and objectives. Procedure3 for implementation cover content, responsibility, time allotment, certification of teachers, and methods of implementation. Consumer education topics that are identified are the individual consumer and the marketplace, money management, consumer credit, buying goods and services, insurance, savings and investments, taxes, and the consumer in society. The discussion of each topic includes objectives, outline of content, suggested activities, and instructional materials. A resource section contains listings of selected bibliographies and other sources -
Challenges to Consumer Policy in the Digital Age
www.oecd.org/sti/consumer CHALLENGES www.oecd.org/going-digital TO CONSUMER http://oe.cd/digital-economy-papers POLICY IN THE @OECDInnovation DIGITAL AGE Background Report G20 International Conference on Consumer Policy TOKUSHIMA, JAPAN 5-6 SEPTEMBER 2019 2 CHALLENGES TO CONSUMER POLICY IN THE DIGITAL AGE This report is issued under the responsibility of the Secretary General of the OECD. The opinions expressed and arguments employed herein do not necessarily reflect the official views of OECD member countries or of the G20. This document, as well as any data and any map included herein, are without prejudice to the status of or sovereignty over any territory, to the delimitation of international frontiers and boundaries and to the name of any territory, city or area. The statistical data for Israel are supplied by and under the responsibility of the relevant Israeli authorities. The use of such data by the OECD is without prejudice to the status of the Golan Heights, East Jerusalem and Israeli settlements in the West Bank under the terms of international law. © OECD, 2019 © OECD 2019 CHALLENGES TO CONSUMER POLICY IN THE DIGITAL AGE 3 Foreword The digital transformation that is underway in our economies and societies has provided consumers with a wealth of commercial opportunities while also bringing a number of new and emerging risks. This report provides an overview of selected key benefits and challenges faced by digital consumers, in support of discussions at the G20 International Conference on Consumer Policy in Tokushima, Japan on 5-6 September 2019. It focuses on six issue areas of particular importance to policy makers: adjusting policy to rapidly changing technologies (Chapter 1) strengthening cross-border co-operation (Chapter 2) enhancing the impact of product recalls in the digital age (Chapter 3) dispute resolution and redress and new technologies (Chapter 4) the role of consumer protection agencies in attaining the Sustainable Development Goals (Chapter 5) protecting vulnerable consumers in the digital age (Chapter 6). -
CONSUMER ALERT Security Breaches
CONSUMER ALERT MIKE COX ATTORNEY GENERAL The Attorney General provides Consumer Alerts to inform the public of unfair, misleading, or deceptive business practices, and to provide information and guidance on other issues of concern. Consumer Alerts are not legal advice, legal authority, or a binding legal opinion from the Department of Attorney General. Security Breaches – What to Do Next: A Step-by-Step Guide for Consumers Receiving Notification of a Breach A "security breach" is a term used to describe a loss of control over information that is very personal to most Americans – your Social Security Number, bank account information, medical records, and even your mother's maiden name. It is quite frightening to think that any company or government may lose control of such information, but it actually happens more often than one might imagine. This consumer alert provides a step-by-step guide for Michigan consumers who receive notification that their personal identifying information may have been compromised in a security breach. I Received Notification of a Security Breach – Now What? There are some basic steps you can take to help prevent identity theft, or quickly detect identity theft, that may result after your information is compromised by a security breach: 1. Place an "initial fraud alert" on your credit file: Once you receive notice of a security breach, federal law provides you with a free and easy way to help minimize the risk of fraudulent accounts being opened in your name. An "initial fraud alert" is an alert, or flag, that is placed on your credit file when you notify a credit reporting agency that your information may have been compromised. -
2010 Annual Report
2010BEUC ANNUAL REPORT BEUC - Annual Report 2010 Major steps taken in financial services in favour of protecting the consumer 2010 was a difficult year for European consumers because of the aftermath of the financial and economic crisis. The origin of this crisis is also – if not mainly – a consequence of the lack of consumer protection measures in financial services and shows that a strong consumer policy is needed not only for individuals, but for the market, the economy and society as a whole. During 2010, this hard lesson has finally begun to bear fruit. It has led to proactive rethinking of the EU approach to consumer protection in financial services. Commissioner Barnier and his services within DG Markt were much more open to BEUC’s contributions on the need to better protect consumers. Major files in the financial sector – such as deposit guarantee schemes and investor compensation schemes, the Single Euro Payments Area (SEPA), home loans (e.g.: responsible lending, credit intermediaries, financial advice), access to basic payment accounts and, to a lesser extent, supervision of financial markets have been managed with due consideration of the specificities of the consumer perspective. Other legislative proposals which should be finalised in 2011 such as investment services also seem to be on the right track. More generally, the need to counterbalance the overwhelming influence of the financial sector in EU decision making has been acknowledged, both by MEPs and the Commissioner, who has initiated a reorganisation of stakeholder participation in expert groups. Also at global level, clear political will has been signalled to address the current blatant lack of efficient consumer protection in the financial services area. -
Consumer Reports the T Success at Consumers Union®: After Five Years “Bible” for Smart Shoppers
EXPERT INDEPENDENT NONPROFIT ANNUAL REPORT FISCAL YEAR 2006 OUR MISSION To work for a fair, just, and safe marketplace 8 for all consumers and to empower consumers to protect themselves ELECTRONICS FRANCHISE CONTENTS >> 3 From the Board Chair 4 From the President 6 Content Franchises 10 12 Action 14 CU Impact by the Numbers 18 Products & Awards HEALTH & FAMILY FRANCHISE 20 Donors & Fundraising 24 Policies & Practices 25 Financials 26 Board of Directors 27 Senior Leadership Team 20 Eleanor and Ray Devereaux, who are receiving a tax advantage and supporting CU with a gift of their home. DONORS & FUNDRAISING FROM THE BOARD CHAIR onsumers Union celebrated its 70th anniversary C in February, and that milestone caused me to reflect on CU and its early roots. Our founders conceived OUR VISION IS A of an organization that would pair a sense of realism about WORLD WHERE: how the marketplace actually is with an idealism about the way the market could—and should—be. Products and One of CU’s founding members was A. Philip Randolph, services are safe, the legendary civil rights and labor leader. Another board reliable, and affordable. member,Betty Furness, served in the Johnson administration as Special Assistant for Consumer Affairs. Today’s board members recognize the need to safeguard and continue the Consumers have the great legacy of our many distinguished predecessors. information and know-how To do justice to this legacy and to ensure that the 18-member to make good choices. board is always governed by leaders with an optimal mix of talents and expertise, we changed our election process in October 2005. -
The Current Landscape for Direct-To-Consumer
ANRV353-GG09-09 ARI 30 July 2008 4:18 ANNUAL The Current Landscape for REVIEWS Further Click here for quick links to Annual Reviews content online, Direct-to-Consumer Genetic including: • Other articles in this volume Testing: Legal, Ethical, and • Top cited articles • Top downloaded articles • Our comprehensive search Policy Issues Stuart Hogarth,1 Gail Javitt,2 and David Melzer3 1Department of Social Sciences, Loughborough University, Loughborough LE11 3TU, United Kingdom; email: [email protected] 2Genetics and Public Policy Center, Johns Hopkins University, Washington, DC 20036; email: [email protected] 3Epidemiology and Public Health Group, Peninsula Medical School, Exeter EX2 5DW, United Kingdom; email: [email protected] by JOHNS HOPKINS UNIVERSITY on 10/06/08. For personal use only. Annu. Rev. Genom. Human Genet. 2008.9:161-182. Downloaded from arjournals.annualreviews.org Annu. Rev. Genomics Hum. Genet. 2008. 9:161–82 Key Words The Annual Review of Genomics and Human Genetics personalized genomics, government regulation, DNA profiling is online at genom.annualreviews.org This article’s doi: Abstract 10.1146/annurev.genom.9.081307.164319 This review surveys the developing market for direct-to-consumer Copyright c 2008 by Annual Reviews. (DTC) genetic tests and examines the range of companies and tests All rights reserved available, the regulatory landscape, the concerns raised about DTC 1527-8204/08/0922-0161$20.00 testing, and the calls for enhanced oversight. We provide a comparative overview of the situation, particularly in the United States and Europe, by exploring the regulatory frameworks for medical devices and clini- cal laboratories.