Chapter 1. Regulation of Voluntary Disclosure

Section A. The Common Law Approach— Fraudulent Misrepre-sentations, Omissions and Other Devices

Section B. The Statutory Approach—Federal and State

Section C. Constitutional Limitations on Advertising Regulation

Chapter 2. Compulsory Disclosure of Information

Section A. Introduction

Section B. Disclosure in Credit Transactions: The Truth in Lend-ing Act

Section C. Disclosure in Other Transactions

Section D. An Evaluation—Effectiveness of Mandatory Disclosure

Chapter 3. Abuses at the Formation of the Contract

Section A. The Deal That Is "Too Good to Be True"—Bait and Switch

Section B. The Deal That Contemplates Finding Other Suckers—Pyramid Schemes and Referral Sales

Section C. In-Home Solicitations and the "Cooling Off’ Period

Section D. What Are the Terms of the Deal?—Herein of Shrin-kwrap, Clickwrap, Browsewrap and "Rolling" Con-tracts

Chapter 4. Assuring Access to the Market

Section A. Credit Reporting

Section B. Credit Discrimination

Section C. Perspectives: An Evaluation of the Costs and Benefits of Regulation of Access to the Market

Chapter 5. Privacy and Consumer Transactions: Solicita-tions and the Collection of Information About Con- sumers

Section A. Foundation

Section B. Personalized Solicitations

Section C. Sale of Consumer Information

Section D. Online Privacy

Section E. Perspectives

Chapter 6. Consumer Accounts: Credit and Debit Cards,and More

Section A. Overview

Section B. Marketing Credit Cards and Other Payment Services

Section C. The "Account" Paradigm: Changes in Terms; Fees and More Fees

Section D. Billing Disputes: Account (Mis)management

Section E. Unauthorized Use

Section F. Emerging Payment Systems and Issues

Chapter 7. Cutting Off Consumer Claims and Defenses: Consumer Product Warranties and Third Party Fi-nancing

Section A. Introduction

Section B. Consumer Product Warranties: The Quest for an Effec-tive Remedy

Section C. The Demise (and Rebirth?) of Special Protection to Third-Party Lenders (Holders in Due Course)

Chapter 8. Abusive Collection Practices

Section A. Foundation

Section B. Controls on Collection Abuses Under the Common Law and the Fair Debt Collection Practices Act

Section C. Special Issues Arising Under the FDCPA (Lawyers Be- ware: Liability Lies Ahead)

Section D. Foreclosing on Security

Chapter 9. Predatory Lending (Including Pricing Issues)

Section A. Foundation

Section B. Perhaps the Oldest Form of Predatory Lending Regula- tion: Usury Laws

Section C. General Predatory Lending Statutes

Section D. Special Predatory Lending Issues

Section E. Perspectives

Chapter 10. Private Enforcement of Consumer Rights

Section A. How Do Dissatisfied Consumers Behave?

Section B. Approaches to Make Dispute Resolution More Afforda-ble for Consumers

Section C. Arbitration

INDEX