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Articles about ftc (0-50 of 648)
- What Ftc Guidelines Mean To Your Business?
By: Ryan Round | - The Federal Trade Commission has adopted Guides Concerning the Use of Endorsements and Testimonials in Advertising effective December 1, 2009. This 81-page document is replete with footnotes, countless acronyms and many confusing phrases such as employing, therein and containing.
The gist of the guidelines is that if an operator of a website or publisher of any kind accepts compensation in any form from the manufacturer or distributor of a product and then writes an endorsement o ...
Tags: FTC, FTC Guidelines, Federal Trade Commission
- How To Avoid Ftc Fines For Automated Voice Broadcasting
By: Carl Davidson | - In September 2009 new FTC (federal Trade Commission) rules go into effect to prevent the use of automated voice prospecting calls to consumers. Does this mean the end of the most efficient way to prospect and create leads? Not at all. There are three ways around these new regulations that allow you to continue to sell and earn using voice broadcasting.
The first way is to buy consumer lists that contain only phone numbers of people who have given permission to be contacted by roboti ...
Tags: voice broadcast, FTC regulations, automated telemarketing, Ibuzz, Phone Broadcast Club, Carl Davidson
- Website Compliance - How Important Are The New Ftc Laws?
By: Vetio Vee | - Long ago the internet was a vast unknown and uncharted territory. Website compliance was still a thing of the future. It was like the old mountaineers of the past making their claim in a new land. But just like any new civilization, that vast land become corrupted and need someone to infuse rules and laws. Along comes the FTC to put a new face on the internet and to try and purge the internet from those marketers that are less than honest.
What was once only an agency that only over ...
Tags: legal software forms, website compliance, ftc
- Cliffsnotes For Online Marketers To Avoid Ftc Liability From Affiliates And Resellers
By: Chip Cooper | - Copyright © 2009 Chip Cooper
There's been a lot of buzz in the blogosphere about the 81-page Guides for the use of Endorsements and Testimonials in Advertising issued by the Federal Trade Commission (FTC). Most of the debate and discussion has centered on the rules (and potential liability) facing bloggers who write testimonials and endorsements.
But what about the advertisers that recruit bloggers and other intermediaries to write testimonials and endorsements (th ...
Tags: Chip Cooper, website legal compliance, website legal documents, website documents, Terms of Use Form, Privacy Policy Form, website contracts
- Credit Insurance: Is It Right For You?
By: Timothy Neal | - Credit insurance protects the loan on the chance that you can't make your payments. Credit insurance usually is optional, which means you don't have to purchase it from the lender. In fact, the Federal Trade Commission (FTC), the nation's consumer protection agency, says it's against the law for a lender to deceptively include credit insurance (or other optional products) in your loan without your knowledge or permission.
There are four main varieties of credit insurance: Credit l ...
Tags: credit repair after bankruptcy, credit repair agencies, credit report repair services, credit histor
- How Does Federal Trade Commission Handle Identity Theft?
By: John Goldman | - FTC refers to the Federal Trade Commission which is a government organisation that protects the consumer rights. Such government organizations for consumer protection are all over the world and in each country, only names are different. Some call them as FTC; others refer to them as Consumer Courts.
These institutions are part of government but are just section of government which works for consumer rights. Identity thefts are been reported to FTC also. Many people do such things ...
Tags: FTC identity theft, suggestions to handle Id Theft cases
- New Ftc Rules About Blogging Endorsements
By: Jane Dawson | - The United States Federal Trade Commission recently announced revised guidelines that require bloggers and other online commentators to disclose when they receive payment or free products from advertisers whose products they endorse. The guidelines were developed to provide advertisers and endorsers with information about how to comply with the Federal Trade Commission Act, which sets rules regarding endorsement and testimonial ads. The revisions go into effect December 1, 2009.
...
Tags: bloggers, online commentators, advertisers, online retailers, wholesale, dropship, dropshipping
- How Does Ftc Handle Identity Theft Cases?
By: John Goldman | - FTC refers to the Federal Trade Commission which is a government organisation that protects the consumer rights. Such government organizations for consumer protection are all over the world and in each country, only names are different. Some call them as FTC; others refer to them as Consumer Courts.
These institutions are part of government but are just section of government which works for consumer rights. Identity thefts are been reported to FTC also. Many people do such things o ...
Tags: information about federal identity theft, ftc &identity theft
- Cliffsnotes For Bloggers To Avoid The Ftc's $11,00 Fine For Endorsements
By: Chip Cooper | - Copyright © 2009 Chip Cooper
If you've already read - and clearly understand - the 81-page Guides for the use of Endorsements and Testimonials in Advertising issued by the FTC on October 5, 2009, then read no further.
However, if you're a blogger or other producer of consumer-generated online content, and you're not quite sure about how to decipher the legaleze or how to comply with the Guides, then this article may be for you... particularly if you're more than a ...
Tags: Chip Cooper, website legal compliance, website legal documents, website documents, Terms of Use Form, Privacy Policy Form, website contracts
- Ftc Ruling: Can It Be The End Of Online Marketing?
By: Tellman Knudson | - That's what people thought about email marketing in 2003 when the CAN SPAM act was passed. But it wasn't. And though the FTC put some brakes on for online marketing this week, it doesn't mean the end to marketing online, either.
The FTC is cracking down on paid endorsements, such as blogging. So if you're focusing your lead generation efforts on blogging, but are being PAID to blog, then, you have an issue to correct.
From December 1 onward, you'll have to openly d ...
Tags: lead generation, online marketing, FTC, law, blogging, copywriting
- Turn Your Computer Into A Zombie"€¦
By: Vicky007 | - Back in October of 2005, Microsoft, the U.S. Federal Trade Commission (FTC) and Consumer Action, a public watchdog and education group, joined together to launch a campaign aimed at helping consumers prevent their computers from getting turned into zombies.
Hacking was real then as it is real today. Hackers always manage to stay one step ahead of authorities. Today they have managed to come up with a whole new way to hack into your home and business computers. Because wireless Inter ...
Tags: Computer, Software, Search Engines
- 3 Critical Things Blog Site Webmasters Need To Know About The Ftc's New Blog Regs
By: Chip Cooper | - Copyright © 2009 Chip Cooper
In recognition of the increasing influence of social media online, the Federal Trade Commission (FTC) on October 5, 2009, for the first time since 1980, issued new regulations governing online testimonials and endorsements by bloggers.
If you operate a blog site, your exposure to legal liability may have increased exponentially. Violators could be fined up to $11,000. And you face new liability associated with statements made by your en ...
Tags: Chip Cooper, website legal compliance, website legal documents, website documents, Terms of Use Form, Privacy Policy Form, website contracts
- The Red Flags Rule And Medical Billing
By: Ronald McLaughlin | - The Red Flags Rule is a law the Federal Trade Commission (FTC) will begin to enforce on 11-1-09. This law requires certain businesses to establish a written program designed to spot the warning signs or "red flags" of identity theft.
The rule applies to financial institutions and creditors. Not only are these firms the ones any reasonable person would expect to fall under the definition (banks, credit unions, loan companies, etc), but the rule states that this applies to:
...
Tags: the red flags rule, Federal Trade Commission, transaction accounts, creditors, covered accounts
- How To Avoid Mortgage Fraud
By: Ki Gray | - News articles throughout the U.S. headline stories about indictments for mortgage fraud. Although you may think you could never be scammed, you should think again.
Above-average, intelligent, middle-class professionals have been duped as well as the average Joe. Almost no one is beyond the long arm of a mortgage scammer's reach. You can, however, become better educated in the antics of fraudsters in order to thwart the most common scams used.
Today, the most comm ...
Tags: mortgage fraud, mortgage, FTC, austin real estate, government, fraud, scams, consumer, real estate,
- How To Offer Proof Without Testimonials
By: Anna Johnson | - Given recent indications that the United States Federal Trade Commission intends to clamp down on Internet marketers and others using 'atypical' testimonials in their marketing, it may be reassuring to know that testimonials are not always required in your marketing materials. In fact, other forms of 'proof' can sometimes be more effective.
Testimonials are really just a form of social proof that the claims you make in your sales copy are true. Don't get me wrong, well written and ...
Tags: testimonial, copywriting, sales copy, social proof, marketing communications, ftc
Social Web Results   Social Media and the FTC: What Businesses Need to Know Shared By: mashable - The Federal Trade Commission (FTC) is finally catching up to the always evolving world of social media and imposing strict new rules.
 Privacy watchdog files complaint against Facebook Shared By: glfceo - Facebook says it discussed the changes with regulators, including the FTC, before making them.
 Publications CFBAI Tightens Nutrition Standards In Kid Ads 12/18/2009 Shared By: MediaPost - Kolish made the announcement during the FTC's forum this week on food marketing and childhood obesity. The principles will now require that participat...
 FTC: 'Intel fell behind' against AMD, used unfair tactics to catch up | Tech Policy & Law Shared By: jorel009 - The Federal Trade Commission's lengthy complaint this morning paints a picture of Intel as nothing less than evil, out to destroy every competitor even...
 Facebook releases first-ever demographic look at users (Mike Swift/Mercury News) Shared By: steverubel - FTC Challenges Intel's Dominance of Worldwide Microprocessor Markets FTC Charges Anticompetitive Tactics Have Stifled Innovation and Harmed Consumers...
 34 Minutes Well Spent: Social Media Policy Webinar | BuildIntel Shared By: BuildIntel - The Federal Trade Commission (FTC) has announced new social media regulations effective December 1, 2009. Whether your organization is proactively...
 Privacy Groups File Complaint on Facebook to FTC Shared By: manish_bhargava - Ten privacy organizations filed a complaint against Facebook to the FTC, arguing that recent changes to the social-networking company's privacy...
 [H]ard|OCP - Intel Comments on FTC Suit Shared By: stevenh123 - Settlement talks had progressed very far but stalled when the FTC insisted on unprecedented remedies including the restrictions on lawful price...
 FTC Challenges Intel's Dominance of Worldwide Microprocessor Markets Shared By: shibanijoshi - In its complaint, the FTC alleges that Intel has waged a systematic campaign to shut out rivals’ competing microchips by cutting off their access to...
 FTC wants Intel to mend its ways Shared By: ELICOMPUTERGUY - In suing Intel, the FTC says it doesn’t want monetary damages, but wants the chipmaker to behave and allow for a free market for competitors and...
- Discover Six Ways To Avoid A Bad Credit Loan Scam
By: Michael Redbourn | - The desperation, misery, and rising unemployment caused by the current financial crisis, have spawned a whole new growth industry.
Bad Credit Loan Scams
It's a particularly horrible phenomenon, because the people that operate these scams are preying on those that most need help, and they don't care if they put the last nail, in a family's financial coffin.
People that are drowning under suffocating debt, and have poor credit are being bombarded with a ...
Tags: Scams, Bad Credit Loan Scams, Rip-Offs, debt, loan, FTC, lender, PO Box, loan brokers, Attorney General
- The Federal Trade Commission Issues A Warning On Deceptive Mortgage Advertisements
By: Alex Blue | - The FTC remains busy on both the mortgage and loan modification fronts. After filing complaints and shuttering several loan modification shops in an action announced on April 6th, 2009, the FTC has issued a warning on deceptive mortgage advertisements. Deception has played a big role in current mortgage meltdown which probably has homeowners struggling with incomprehensible mortgages wondering why such a warning comes out about two years behind the times.
Still, the information is ...
Tags: loan modification, stop foreclosure, foreclosure assistance
- Saas And Ecommerce Sites - Don't Miss The May 1, 2009 Deadline
By: Chip Cooper | - Copyright © 2009 Chip Cooper
On March 20, 2009, the Federal Trade Commission (FTC) published its latest guidelines for the Red Flags Rule entitled "Fighting Fraud with Red Flags Rule: A How-To Guide for Business". These guidelines significantly broadened the scope of the applicability of the Red Flags Rule.
Many SaaS and ecommerce websites may now be surprised to learn that they are covered by the Red Flags Rule - and as a result they may face substantial liabi ...
Tags: Chip Cooper, website legal compliance, MyLegalFirewall, online contract drafting service, legal forms, contract forms, legal contracts, sample contract agree
- You've Been Spammed
By: Jeff Mulligan | - Dealing with spam takes up a huge amount of time; time that could be better spent doing other things...any other thing. We all have some sort of ritual for removing spam from our computers, deleting it, junking it, blacklisting it or any combination of these. But many of us don't take the extra step, a step that can actually help to rid the world of spam. The key to permanently destroying spam is to report it.
The best thing that you can do is to send the a copy of the spam tha ...
Tags: spam, email, FTC, ISP, spam blocker, spam tool
- 3 Tips For Your General Audience Site To Avoid Tripping The Coppa Trap
By: Chip Cooper | - Copyright 2009 Chip Cooper
If you think that the Children's Online Privacy Protection Act (COPPA) applies only to websites that target children under 13, you're uninformed. Sony found out the hard way, and as a result Sony has agreed to pay a $1 million fine in settlement of a case brought by the Federal Trade Commission (FTC). You can avoid falling into this trap with your general audience site if you follow 3 simple tips.
COPPA or COPA?
In January, ...
Tags: Chip Cooper, online contract drafting service, legal forms, contract forms, legal contracts, sample contract agreements, contract drafting software, SaaS agr
- Diversity Visa Lottery Avoid The Ripoffs
By: Imobiliare bucuresti | - If you or someone you know is trying to get a green card the right to live in the United States permanently be on the lookout for unscrupulous businesses and attorneys. Theyll claim that, for a
fee, they can make it easier to enter the U. S. State Departments annual Diversity Visa (DV) lottery (also known as the green card lottery) or increase your chances of winning the DV lottery.
Each year, the State Department conducts a lott ...
Tags: lawyers in immigration, immigration lawyer new york, free immigration lawyer
- The Peoples Program Cash Gifting Investigated By Ftc As Valid Means To Wage War On Debt
By: Bill Browne "The Illini Dude" | - Cash gifting & The Peoples Program have been taking the world by storm and creating quite a stir with the FTC. First Time Cash-Gifters have been investigating this new residual cash gifting as a means to wage war on debt.
First Time Cash-Gifters and experienced cash gifters both agree that cash gifting and The Peoples Program are the best cash generating program available for the masses today to wage war on debt. With this residual cash gifting & The Peoples Program, you can joi ...
Tags: wage war on debt, the peoples program, cash gifting, tpp
- Know About The Role Of Breaking Seo Myths Part One
By: Gopal Singh | - Could there be another industry more inflated by ego, misinformation, and repetition than search engine optimization? Perhaps there are a few others out there, but not many. But what else can one expect from an unregulated industry? There's no FCC, FTC, FEC, FMC, FERC, HIPAA, ATF, SEC, FAA or any other acronymed agency standardizing legitimate SEO practices.
Search engines like Google, Yahoo, MSN, and Ask Jeeves each have their own secret algorithms which mathematically select, arrange, a ...
Tags: Affiliate Marketing, Marketing, Affiliate Programs, Make Mon
- "red Flag" Identity Theft Alert -- Is Your Site In The Cross Hairs?
By: Chip Cooper | - In October 2008, the Federal Trade Commission (FTC) announced that it is delaying enforcement of the Red Flag rules six months to May 1, 2009.
The reason for the delay is uncertainty over who is covered. Just who is covered (and therefore liable for failure to comply) is still somewhat confusing. However, if you're not sure you're covered, particularly if you're a SaaS site, you'd better check out the rules carefully in order to avoid liability for failure to comply.
Tags: Chip Cooper, online contract drafting service, legal forms software, contract forms, legal contracts, sample contract agreements, contract drafting software
- Take Action To Prevent Identity Theft From Happening
By: Landon McGehee. | - The theft of names, addresses, social security numbers (SSN), bank account information, credit card numbers and other personal information, commonly known as identity theft is "America's fastest growing problem" according to a statement made by the Federal Bureau of Investigation. The Federal Trade Commission (FTC) estimates 10 million Americans are affected each year. With every crime, knowing how to protect yourself is vitally important to avoid becoming a victim. The following are arenas wher ...
Tags: identity theft, , personal data, , financial, , credit card, , card number, , email, , ssn, , computer, , online, , home & family, , Finance,
- Your Intellectual Property Deserves Iron-clad Security From Your Outsourcer
By: Hayden Hong | - Insight
Intellectual property security breaches are making headline news with alarming frequency and creating headaches for consumers, businesses, governments and institutions everywhere. The specter of identity and intellectual property theft hangs over everyones head, brought home by incidents like the following:
► Two 200-MB files containing incomplete portions of the source code for Windows 2000 and Windows NT operating systems were stolen and posted t ...
Tags: Outsource, offshore, R&D, engineering service, embedded, hardware, software, firmware, product development, Made-In-China, China
- Tips For Identity Theft Protection
By: Jay Anderson | - The crime of identity theft is reaching epic proportions across the country, and in fact is one of the fastest growing crimes of this century. The FTC (Federal Trade Commission) records indicate that identity theft has been topping their list of consumer complaints for a few years already, accounting for more than 40% of all complaints filed with the FTC.
While identity theft is a crime, there is another fact that is sometimes overlooked which is a direct result of this crime, whi ...
Tags: law finance, identity theft
- Implementing Identity Theft Protection
By: Jay Anderson | - You can hardly read the newspaper or watch the evening news these days without hearing about another case of identity theft. This is one of the fastest growing crimes of this decade and continues to increase. The Federal Trade Commission reports that reported cases of identity theft have been near or at the top of their list of consumer complaints, accounting for more than 40% of all FTC complaints filed.
But even more than the number of reported cases is the financial loss associ ...
Tags: law finance, identity theft
- Multi-level Marketing Education Increases Wealth
By: T. Detty | - Multi-level marketing is more like a franchise arrangement where the sale of the product depends on the combined effort of each franchise and regional manager. There are multiple levels of people receiving commission. Usually there are seven or more levels. Multilevel marketing is basically a combination of franchise and direct marketing.
This concept started in the 1980s when most of the companies started handling the stocking and distribution issues and started compensating all ...
Tags: Multi level marketing, sales, consultants, distributors, franchise, direct marketing, MLM, commission, Amway, FTC, pyramid, inventory
- 5 Warning Signs That A Credit Repair Company Will Rip You Off
By: Marc Chase | - For the last 5 or 6 years I've been telling friends and family how ugly of an industry credit repair and debt settlement is getting to be. I've also said that sooner or later the FTC would shake out the bad apples making it a safe place for consumers again.
It looks like my prediction was wrong. It's gotten worse...much worse. And faster than I thought, too.
Regulatory bodies have cracked down as much as they can, but so far their efforts have been in vain. With the ...
Tags: credit repair fraud, credit repair rip off
- Marketing Through Blogs Presents New Legal Risks
By: Robert Masud | - In recent times blogs have taken on new meaning on the Internet and World Wide Web. Once considered nothing more than rather offbeat diaries, blogs have become major marketing tools at the present point in time. In fact, today millions of consumers from all walks of life and from all over the globe are turning to blogs to get information and advice about different products and services.
As blogs have become more potent marketing and promotional forces, various legal issues have ...
Tags: blog, blogging, FTC, marketing
- Ftc Takes Aim At Diploma Mill Scammers
By: Matthew Paolini | - The Federal Trade Commission, America's watchdog consumer agency, has issued yet another warning about an education-related scam. Entitled "Diploma Mills: Degrees of Deception", the FTC memo takes issue with diploma mills, a form of online deception practiced by companies all too eager to exploit the country's fascination with online learning and online degrees. The companies behind these diploma mills usually approach their prey using an email that promises respondents a degree based on their ...
Tags: diploma mill, online degree, Federal Trade Commission, FTC
- Some Scholarship Offers May Be Real, But Scammers Abound
By: Matthew Paolini | - The Federal Trade Commission has posted a timely reminder at www.ftc.gov about an increase in scholarship and financial aid scams aimed at high school seniors and their parents. As high school graduation gets closer, students and their parents shift into high gear as they search for the money to cover the high cost of college tuition and housing. Confronted by the skyrocketing costs, they sometimes become easy victims of scholarship scammers.
College costs money and lots of it - a ...
Tags: college scholarships, FTC, student aid, scholarship scams
- Bloggers Need To Beware Of Violating Ftc Deceptive Practice Standards When Making Endorsements
By: Robert Masud | - The Federal Trade Commission ("the Commission or FTC") has handed down an advisory opinion that may have dire consequences for companies that employ individuals who are involved in blogging and promote those companies products or services while blogging. According to the Commission, this may hold true even if these employees are undertaking this blogging on their personal time and even if the company management has no idea of what may be going on. The Commission advises that such a blogger mus ...
Tags: FTC, Federal Trade Commission, blogger, blogging
- More Deceptive Claims For Fuel Saving Devices!
By: Scott Siegel | - If you are looking for a quick fix to your gas economy problem because of rising gas prices, then the Federal Trade Commission (FTC) has a warning: be wary of fuel saving claims for car devices or gas and oil additives. Of the over 100 fuel saving products that have been tested by the EPA, not one of them live up to their deceptive advertising claims.
There are a number of common deceptive and untruthful ad claims used by makers and suppliers of these alleged fuel saving devices ...
Tags: lower gas costs, lower gas cost, save gas, increase fuel economy, improve fuel economy, better gas mileage, increase gas mileage, high gas prices, fuel econom
- How To Protect Yourself From Computer Identity Theft
By: Gerri Stone | - The FTC estimates that over nine million Americans have their identities stolen each year. This crime has a huge potential to disrupt your life, you might be denied a loan for education or housing, you may miss job opportunities, or in extreme cases, you might be arrested for a crime you did not commit.
One of the most common types of computer identity theft is called phishing. This is when you receive an email requesting your personal information from someone pretending to be a f ...
Tags: computer identity theft
- Consolidate Debt Safely
By: Clinton Maxwell | - Even though debt consolidation can save your financial status, as well as your personal relationships you still need to be aware of the growing trend to consolidate debt. Financial planning is always key in any healthy bank account, but beware of what some of these firms offer. Many have advertised all over the Internet and TV, but some of these are now being sued by different attorney generals, the IRS, and even the FTC. The reason for these suits is the fact that they are not really non-pro ...
Tags: Debt Consolidation, consolidate debt, financial planning
- Top 5 Reasons Why You Need Credit Repair Specialists Working For You. We Can Save You Money With Ou
By: JoAnn Black | - Top 5 Reasons Why You Need Credit Repair Specialists Working For You. We Can Save You Money With Our Program!by JoAnn Black
1. Iowa Credit Services has open lines of communication with all 3 major credit bureaus.
Because credit repair is our only job. We have direct communication with Equifax, Trans Union, and Experian. Our success rate is unbeatable in this industry. We have a proven track record to raise your credit score FAST!
2. ...
Tags: credit repair, credit repair specialists, credit score, raise your credit score, repair your credit, credit repair service, improve your credit, nationwide c
- What The Hoodia Weight Loss Industry Can Learn From The Trimspa Case
By: Travis Van Slooten | - TrimSpa found itself being investigated by the FTC after its popular advertising campaign claimed that the late Anna Nicole Smith had lost 69 pounds after using TrimSpa's signature product, TrimSpa X32. During its investigation, the FTC found that the ads didn't explain that Anna Nicole was paid and more importantly, the TrimSpa claims were not backed up by any scientific research.
The FTC ultimately brought a case against TrimSpa and it was announced in January of 2007 that ...
Tags: trimspa, hoodia weight loss, hoodia, hoodia gordonii, weight loss
- Multi Level Marketing Pay
By: Leonard Bartholomew | - To understand how multi level marketing works and how you are compensated let's look at the various options for earning a multi level marketing living.
There are various compensation packages with multi level marketing firms. Here are some of the most common.
The first is called the stair stepping breakaway plan. It may also be referred to as a unilevel compensation plan. It's the oldest MLM payment plan and seems to be the most popular with the contractors themse ...
Tags: multi level marketing, mlm, pay, earning, programs, business opportunity, business opportunity rule, FTC, Federal Trade Commission
- The End Of Network Marketing?
By: Chris Zavadowski | - Copyright 2006 Chris Zavadowski
It happened to infomercials...
It happened to fax broadcasting....
It happened to emails....
And now it might happen to direct sales and network marketing: The FTC, in it's infinite wisdom (think back to the "suppression lists" they were proposing 2 years ago), is attempting to create new regulations for the MLM/network marketing industry. If this passes, they would make fast downline growth a thing of th ...
Tags: business opportunity rule, ftc business opportunity rule, 16 CFR Part 4370, network marketing prospecting, mlm prospecting, network marketing, mlm, ne
- Your Privacy Rights Under Fact
By: Samantha Hamilton | - One of the provisions of the original Fair Credit Reporting Act was that those requesting credit reports on consumers have a permissible purpose for requesting them. It also allowed consumers thats you to put certain limits on how their reports are used. FACT the Fair and Accurate Credit Transactions Act solidifies consumers right to privacy of their credit reports.
Opting Out of Pre-screened Credit Card Offers
All those offers for credit ...
Tags: credit, cards, fact, ftc, government, credit cards, reports, privacy
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