CONSUMER PRODUCT SAFETY COMMISSION Bethesda, Maryland
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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 -
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 -
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. -
Five Questions to Ask When Considering Health Supplements
Five Questions to Ask When Considering Health Supplements COMMENTS JANUARY 19, 2016 / by KATIE WORTH Tow Journalism Fellow, FRONTLINE/Columbia Journalism School Fellowships Compared to most drugs sold at pharmacies, health supplements are loosely regulated by government agencies. Law prohibits manufacturers from selling products that are adulterated or mislabeled, and they cannot claim to cure things they don’t. But there is little oversight or enforcement to ensure they comply. And unlike prescription drugs, which pass through a strict premarket approval process, the Food and Drug Administration does not evaluate a supplement’s contents or effectiveness before it hits the shelves. Even then, the agency has only a modest capacity to test the pills. The result is a more than $30 billion industry that is largely regulated by the honor system. Given this framework, there is little to guarantee that any vitamin, mineral, probiotic, sports supplement, herbal treatment, or other dietary supplement is safe, effective, or even contains what’s on its label. Last year, for example, an investigation by the New York Attorney General’s office found that several popular store-brand supplements at four major retailers — GNC, Target, Walgreens and Walmart — contained contaminants not listed among the labeled ingredients. Just 21 percent of them actually had the DNA of the plant species they purported to be vending. While there are no guarantees, there are steps consumers can take to improve the chances that their supplements contain what they claim to, in the labeled quantities, and that they may indeed have a health benefit. Here are five questions a consumer may want to ask when considering supplements. -
The Price Sensitivity of Health Plan Choice Among Retirees: Evidence from the German Social Health Insurance
A Service of Leibniz-Informationszentrum econstor Wirtschaft Leibniz Information Centre Make Your Publications Visible. zbw for Economics Wuppermann, Amelie; Bauhoff, Sebastian; Grabka, Markus Conference Paper The Price Sensitivity of Health Plan Choice among Retirees: Evidence from the German Social Health Insurance Beiträge zur Jahrestagung des Vereins für Socialpolitik 2014: Evidenzbasierte Wirtschaftspolitik - Session: Health II, No. B10-V3 Provided in Cooperation with: Verein für Socialpolitik / German Economic Association Suggested Citation: Wuppermann, Amelie; Bauhoff, Sebastian; Grabka, Markus (2014) : The Price Sensitivity of Health Plan Choice among Retirees: Evidence from the German Social Health Insurance, Beiträge zur Jahrestagung des Vereins für Socialpolitik 2014: Evidenzbasierte Wirtschaftspolitik - Session: Health II, No. B10-V3, ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften, Leibniz-Informationszentrum Wirtschaft, Kiel und Hamburg This Version is available at: http://hdl.handle.net/10419/100352 Standard-Nutzungsbedingungen: Terms of use: Die Dokumente auf EconStor dürfen zu eigenen wissenschaftlichen Documents in EconStor may be saved and copied for your Zwecken und zum Privatgebrauch gespeichert und kopiert werden. personal and scholarly purposes. Sie dürfen die Dokumente nicht für öffentliche oder kommerzielle You are not to copy documents for public or commercial Zwecke vervielfältigen, öffentlich ausstellen, öffentlich zugänglich purposes, to exhibit the documents publicly, to make them machen, vertreiben oder anderweitig nutzen. publicly available on the internet, or to distribute or otherwise use the documents in public. Sofern die Verfasser die Dokumente unter Open-Content-Lizenzen (insbesondere CC-Lizenzen) zur Verfügung gestellt haben sollten, If the documents have been made available under an Open gelten abweichend von diesen Nutzungsbedingungen die in der dort Content Licence (especially Creative Commons Licences), you genannten Lizenz gewährten Nutzungsrechte. -
Undergraduate & Graduate
VIRTUAL COMMENCEMENT EXERCISES August 2020 College of Arts & Sciences School of Engineering School of Business School of Health Sciences School of Communications School of Nursing School of Education CONTENTS Message from the President ..............................................................................3 Order of Exercises College of Arts & Sciences, School of Communications, School of Education – Tuesday, August 25, 2020, 5 p.m. .................4 School of Health Sciences, School of Nursing Thursday, August 27, 2020, 5 p.m. ........................................................5 School of Business, School of Engineering Thursday, August 27, 2020, 7:30 p.m. ..................................................6 Undergraduate Academic Achievement .....................................................7 2020 Graduates College of Arts & Sciences ........................................................................10 School of Business .......................................................................................12 School of Communications ......................................................................16 School of Education ...................................................................................18 School of Engineering ................................................................................19 School of Health Sciences .........................................................................20 School of Nursing .......................................................................................24 -
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. -
Recommendations for Businesses and Policymakers Ftc Report March 2012
RECOMMENDATIONS FOR BUSINESSES AND POLICYMAKERS FTC REPORT FEDERAL TRADE COMMISSION | MARCH 2012 RECOMMENDATIONS FOR BUSINESSES AND POLICYMAKERS FTC REPORT MARCH 2012 CONTENTS Executive Summary . i Final FTC Privacy Framework and Implementation Recommendations . vii I . Introduction . 1 II . Background . 2 A. FTC Roundtables and Preliminary Staff Report .......................................2 B. Department of Commerce Privacy Initiatives .........................................3 C. Legislative Proposals and Efforts by Stakeholders ......................................4 1. Do Not Track ..............................................................4 2. Other Privacy Initiatives ......................................................5 III . Main Themes From Commenters . 7 A. Articulation of Privacy Harms ....................................................7 B. Global Interoperability ..........................................................9 C. Legislation to Augment Self-Regulatory Efforts ......................................11 IV . Privacy Framework . 15 A. Scope ......................................................................15 1. Companies Should Comply with the Framework Unless They Handle Only Limited Amounts of Non-Sensitive Data that is Not Shared with Third Parties. .................15 2. The Framework Sets Forth Best Practices and Can Work in Tandem with Existing Privacy and Security Statutes. .................................................16 3. The Framework Applies to Offline As Well As Online Data. .........................17 -
(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 -
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.