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Consumers tricked into paying 2,000% more

Posted by Clyde Hutchins | Aug 14, 2017 | 0 Comments

The Federal Trade Commission (FTC) is suing a marketing scheme that tricked consumers into spending 2,000 percent of what they thought they had agreed to pay. In its complaint, the FTC alleges that a group of  According to the FTC, the defendants used a network of 78 companies, at least 87 w...

Substantiation goes for all products, including paint

Posted by Clyde Hutchins | Jul 12, 2017 | 0 Comments

I have written about the FTC's substantiation requirements with respect to supplements. The nature of supplements lends itself to exaggerated and false claims about their effectiveness. However, the substantiation requirements apply to other types of products too as seen by the FTC's recent actio...

Wyoming imposes large civil penalty on Vivint

Posted by Clyde Hutchins | May 31, 2017 | 0 Comments

Wyoming imposes large civil penalty on Vivint The Wyoming Attorney General's Office recently imposed a $100,000 civil penalty on Vivint. Vivint is a home security and smart home technology company. Vivint enlists large groups of salesmen to canvas neighborhoods door to door to sell its products....

CFPB's existence attacked by company it is suing

Posted by Clyde Hutchins | Apr 27, 2017 | 0 Comments

The constitutionality of the Consumer Financial Protection Bureau (CFPB) is being attacked in a case it brought against Ocwen. The CFPB and several attorneys general sued Ocwen in connection with its foreclosure and loan servicing activities. The CFPB claims that Ocwen failed to comply with ter...

Wyoming goes after transient pavers

Posted by Clyde Hutchins | Apr 06, 2017 | 0 Comments

Wyoming goes after transient pavers It looks like the Wyoming Attorney General's Office has been busy with transient pavers. Transient pavers are small asphalt paving operations that travel from county to county during the warmer months seeking small paving jobs. They usually are seen working on...

Top 10 Consumer Complaints in Colorado

Posted by Clyde Hutchins | Mar 23, 2017 | 0 Comments

Top 10 Consumer Complaints in Colorado It is that time of year again where the various state and federal consumer protection agencies review their 2016 statistics and report on consumer complaints and trends. The Colorado Attorney General reports the following top ten consumer complaints for 201...

Can you prove those claims?

Posted by Clyde Hutchins | Mar 16, 2017 | 0 Comments

Can you prove those claims? A Colorado company with a controversial product has been sued by the Iowa Attorney General's Office for consumer fraud. The complaint alleges that Osmosis, LLC and Harmonized Water, LLC deceived consumers by making the assertion that their products

Reform on the way at Equifax, Experian and TransUnion?

Posted by Clyde Hutchins | Mar 08, 2017 | 0 Comments

The Consumer Financial Protection Bureau's Report The Consumer Financial Protection Bureau (CFPB) recently released a report identifying problems with the big three consumer reporting companies (Equifax, Experian and TransUnion). The CFPB found several systemic problems at the companies and it h...

"Made in the USA" means it is made in the USA

Posted by Clyde Hutchins | Feb 09, 2017 | 0 Comments

When a company claims that its products are "Made in the USA," the products should really be made in the USA. The Federal Trade Commission (FTC) recently drove home this point in a case against a water filtration system distributor in Georgia. The FTC entered a settlement with the distributor ba...

Novel Advertising Gone Wrong

Posted by Clyde Hutchins | Jan 19, 2017 | 0 Comments

Misleading advertising can end up being costly to a business One of the major challenges of retailers is how to increase business from consumers. Retailers advertise their services or products through various mediums, often using novel methods. Despite what method is used to drive business, reta...

Wyoming attempts to plug a shell company loophole

Posted by Clyde Hutchins | Jan 18, 2017 | 0 Comments

Wyoming attempts to plug a shell company loophole The Wyoming legislature is in session for the next few weeks. One of the pending bills aims to plug a loophole that allows people to own or control Wyoming corporations and companies anonymously. As I have wrote about in the past, as the law is ...

Class Actions in Consumer Cases

Posted by Clyde Hutchins | Jan 09, 2017 | 0 Comments

Class Actions in Consumer Cases As many readers of this blog know, I practice in both Wyoming and Colorado. Because of my practice, I often run across interesting discrepancies between the two states' consumer protection laws. One of the unique differences between Wyoming and Colorado consumer l...

Credit Freeze or Credit Monitoring?

Posted by Clyde Hutchins | Jan 06, 2017 | 0 Comments

Credit Freeze or Credit Monitoring? You often hear about data breaches in the news, or unfortunately, through a data breach notice from a company. Most of the time that a data breach occurs, the company offers a credit monitoring service to help protect its customers from the consequences of the...

Mandated Data Security Program

Posted by Clyde Hutchins | Dec 14, 2016 | 0 Comments

The Federal Trade Commission settled its investigation regarding the massive Ashley Madison data breach that occurred last year. One of the more interesting parts of the settlement is the mandated data security program. The FTC and Ashley Madison agreed that. he designation of an employee or empl...

What does the new presidency mean for consumer law?

Posted by Clyde Hutchins | Dec 05, 2016 | 0 Comments

What does the new presidency mean for consumer law? In the wake of the 2016 general election, many people who work in the area of consumer protection wonder what president-elect Trump's impact will be to consumer law. To answer this question, we have to go beyond the traditional conservative ve...

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Harmony Law is one of the few law firms in Colorado and Wyoming that focuses on consumer law. Mr. Hutchins is a member of the National Association of Consumer Advocates and state chair for Wyoming. If you have a consumer law issue, please feel free to call 970-488-1857 and speak with Mr. Hutchins.

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