| Consumer Law Resources |
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GUIDE TO CONSUMER LAW STATUTES
Laws relating to purchase:
Oregon Unlawful Trade Practices Act - ORS 646.605 et seq.
- prohibits misrepresentations about quality, price, etc.
- $200 statutory damages per violation
- attorney fees
- 1 year statute of limitations
Federal Truth in Lending Act - 15 USC §1601 et seq. (Regulation Z -- 12 CFR §226)
- requires specific disclosures in credit sales about amount financed, amount and schedule of payments, finance charges, interest rate, insurance charges, etc.
- statutory damages = 2 x finance charge
- attorney fees
- 1 year statute of limitations
Retail Installment Contracts - ORS Chapter 83
- requires contract provisions about late fees, penalties, holder in due course, etc.
- prohibits wage assignments, confessions of judgment, etc.
- creditor cannot recover any interest or collection charges
- no statute of limitations
Laws relating to defective products:
UCC (Uniform Commercial Code) Article 2 warranties - ORS Chapter 72
- express and implied warranties
- requirements for disclaimers
- remedies include rejection, revocation of acceptance, and damages for breach of warranty
- 4 year statute of limitations
Magnuson-Moss Warranty Act - 15 USC §2301 et seq.
- disclosure requirements for consumer warranties and service contracts
- actual damages and attorney fees - no statutory damages
- no specific statute of limitations - only 3 states have ruled: same as UCC (4 years)
Oregon Lemon Law - ORS 646.315 et seq.
- only applies to new cars
- requires seller to honor manufacturer's warranty
- right to rescind after 4 repair attempts or 30 days out of service
- arbitration may be required
- 1 year/12,000 mile statute of limitations
FTC Used Motor Vehicle Trade Regulation Rule - 16 CFR §455
- requires Buyer's Guide (warranty info) in used car sales
- must be in Spanish for Spanish language sales
Laws relating to debt collection activities:
Federal Fair Debt Collection Practices Act - 15 USC §1692 et seq.
- APPLIES TO ATTORNEYS!
- prohibits unfair collection activities
- only applies to collection agencies
- - does not apply to original creditor
- up to $1,000 statutory damages
- attorney fees
- 1 year statute of limitations
Oregon Unlawful Debt Collection Practices Act -- ORS 646.639 et seq.
- applies to original creditor and collection agencies
- $200 statutory damages per violation
- attorney fees
- 1 year statute of limitations
Federal Fair Credit Reporting Act
Laws relating to repossession and resale:
UCC Article 9 - ORS Chapter 79
- requirements for self-help repo and resale by public or private sale
- $1000 statutory damages for unlawful repo or resale
CONSUMER RIGHTS INFORMATION
Lane County Legal Aid and Advocacy Center -- Consumer Law Series
Repossession
Legal Aid Services of Oregon -- Consumer Law Series
Consumer Protection and Complaints
Debt Collection, Garnishment, Repossession
Bankruptcy
Credit Reports, Identity Theft & Privacy Rights
Cars - Buying & Leasing
Houses - Mortgages, Repairs, Foreclosure
Student Loan Problems
Consumer Resources
Oregon State Bar -- Consumer Rights and Remedies
Consumer Law
Liability for Defective Products
Are You a Victim of Mail Order Fraud?
LEGAL SERVICES BACKUP CENTERS
National Consumer Law Center
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| DEBTOR'S RIGHTS LIBRARY |
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CREDIT AND BANKING LIBRARY |
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Consumer Bankruptcy Law and Practice with CD-Rom |
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Truth in Lending with CD-Rom |
| Fair Debt Collection with CD-Rom |
Fair Credit Reporting with CD-Rom |
| Repossessions and Foreclosures with CD-Rom |
Consumer Banking and Payments Law with CD-Rom |
| Student Loan Law with CD-Rom |
The Cost of Credit with CD-Rom |
| Access to Utility Service with CD-Rom |
Credit Discrimination with CD-Rom |
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| DECEPTION AND WARRANTIES LIBRARY |
CONSUMER LITIGATION LIBRARY |
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Unfair and Deceptive Acts and Practices with CD-Rom |
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Consumer Arbitration Agreements with CD-Rom |
| Automobile Fraud with CD-Rom |
Consumer Class Actions with CD-Rom |
| Consumer Warranty Law with CD-Rom |
Consumer Law Pleadings on CD-Rom with Index Guide |
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OTHER PUBLICATIONS |
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Consumer Law in a Box CD-Rom |
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The Practice of Consumer Law with CD-Rom |
| Stop Predatory Lending with CD-Rom |
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CONSUMER AGENCIES AND WEBSITES
Agencies
Oregon Department of Justice
Federal Trade Commission
Consumer.gov - gateway for consumer information from the federal government
Consumer Information Center
Consumer Product Safety Commission
Consumer Websites
Better Business Bureau
ClarkHoward.com
Consumer World
