Consumer Protection. Solar Focus Moderator:
|
|
- Alyson James
- 7 years ago
- Views:
Transcription
1 Consumer Protection Solar Focus 2014 Moderator: Eric Hurlocker, GreeneHurlocker William Reisinger, VA Attorney General s Office Elizabeth Stern, MD Attorney General s Office Steven Eisenberg, SRECTrade
2 William Reisinger VA Attorney General s Office
3 THE CONSUMER PROTECTION ACT AND CONSUMER PROTECTION DIVISION Consumer Protection Division Office of the Attorney General 200 Saint Paul Place Baltimore, MD 21202
4 The Consumer Protection Act Maryland Code, Commercial Law Article Sections through Prohibits unfair or deceptive trade practices Unfair or deceptive trade practices include: Misrepresentations Omissions of important information Violations of various other statutory provisions designed to protect consumers Method of soliciting or selling (e.g., Door-to-Door Sales Act, Telephone Solicitation Act, Maryland Telephone Consumer Protection Act) Conduct during transaction (e.g., requiring telephone number in order to accept credit card, requesting credit card account number in order to accept check) Failure to register or obtain required licensure (e.g., home improvement contractor and salesperson licenses) Unfair practices
5 The Consumer Protection Act Maryland Code, Commercial Law Article Sections through Misrepresentations False, falsely disparaging, or misleading oral or written statement, visual description, or other representation of any kind which has the capacity, tendency, or effect of deceiving or misleading consumers Examples Price Availability of tax credits, local/state/federal grants, or rebates Amount of savings to be had as a result of installing a solar energy system Energy production capability of the solar energy system
6 The Consumer Protection Act Maryland Code, Commercial Law Article Sections through Misrepresentations Representation that: Goods or services have a sponsorship, approval, accessory, characteristic, ingredient, use, benefit, or quantity which they do not have A merchant has a sponsorship, approval, status, affiliation, or connection which he does not have Examples Suitability of a solar energy system for a consumer s house Home improvement contractor or salesperson license Professional certification and/or affiliation False relationship to government programs and/or energy regulators
7 The Consumer Protection Act Maryland Code, Commercial Law Article Sections through Omissions of Material Fact Failure to state a material fact if the failure deceives or tends to deceive Examples Potential unavailability or delay of tax credits, grants, or rebates Full price of the system Unavailability of space on electrical grid Factors that could impact energy generation by the solar energy system
8 The Consumer Protection Act Maryland Code, Commercial Law Article Sections through What is Advertising? Print promotions Brochures TV/Radio/Internet Telephone solicitations In-person sales presentations In short: Any statements made at any time you or anyone from your company interacts with consumers
9 The Consumer Protection Act Maryland Code, Commercial Law Article Sections through The CPA also prohibits Referral Sales Any general referral sales technique, plan, arrangement, or agreement by which a consumer is induced to purchase on the representation or promise of the seller that if the consumer provides the seller with the names of other prospective buyers, the consumer will receive a reduction in purchase price Cash rebate Commission Credit towards balance due Any other consideration
10 The Maryland Door-to-Door Sales Act Maryland Code, Commercial Law Article Sections through Door-to-Door Sales Sale, lease or rental of consumer goods or consumer services under single or multiple contracts with purchase prices of $25 or more, and Seller or his representative personally solicits the sale, including in response to or following an invitation by the buyer Buyer s agreement or offer to purchase occurs at place other than buyer s place of business
11 The Maryland Door-to-Door Sales Act Maryland Code, Commercial Law Article Sections through A violation of the Door-to-Door Sales Act is a violation of the Consumer Protection Act Must affirmatively, clearly and expressly reveal at time of initial contact with the prospective buyer: Seller s individual identity Trade name of entity Kind of goods and services being offered Provide identification reflecting identity, entity and business address Must give buyer a fully completed receipt or contract at the time of its execution Required notice of cancellation rights by signature line Must provide separate, completely executed Notice of Cancellation Must orally notify buyer at time of purchase of his right to cancel within 3 business days Cannot fail or refuse to honor any valid Notice of Cancellation
12 The Consumer Protection Act Maryland Code, Commercial Law Article Sections through Relief Available Under the CPA Restitution for consumers Civil Penalties Injunctions against individuals or companies Ex Parte Cease and Desist Order Final Order Damages Arbitration Voluntary arbitration of consumer disputes Mediation
13 Mediation Unit Hotline (410) Mediates general consumer complaints To file a complaint by mail: Send the complaint to: Consumer Protection Division, 200 Saint Paul Place, Baltimore, MD Attach copies of all relevant documents (keep the originals) To file a complaint over the Internet: Go to Click on the Quick Link on the right for File a Consumer Complaint and follow the instructions. Mediation Unit generally will Contact the business and try to resolve the concern in a manner that is acceptable to both parties; or Refer the complaint to an appropriate agency that can address the concern.
14 Consumer Protection Division Office of the Attorney General 200 Saint Paul Place Baltimore, MD 21202
15 Introduction For
16 Transaction & Management platform Since MW under management 10,000+ facilities under management 100% SREC focused Brokerage model
17 CLIENTS CORPORATE RESIDENTIAL & SMALL COMMERCIAL INSTALLERS & DEVELOPERS Electricity suppliers and institutional clients with systems above 250 kw Home owners and commercial systems smaller than 250 kw Turn-key SREC solutio ns for solar installers and developers
18 PRODUCTS & SERVICES BROKERAGE Spot transactions Structured forward solutions Monthly spot auctions SOFTWARE Onboarding with regulators & registries Tracking production & SRECs issued Executing & settling SREC transactions
19 Transparency
20 Steven Eisenberg Chief Executive Officer SRECTrade, Inc. 201 California St. Suite 630 San Francisco, CA P: (415)
21 Thanks to our sponsors!
22 Thanks to our sponsors!
23 Thanks to our sponsors!
24 Thanks to our sponsors!
IN THE COURT OF COMMON PLEAS FRANKLIN COUNTY, OHIO
IN THE COURT OF COMMON PLEAS FRANKLIN COUNTY, OHIO STATE OF OHIO, ex rel. ) CASE NO. ATTORNEY GENERAL ) MICHAEL DEWINE ) JUDGE 30 E. Broad St., 14 th Floor ) Columbus, Ohio 43215 ) ) PLAINTIFF, ) ) V.
More informationDebt Adjusting Companies and Credit Services Businesses: Tennessee s Requirements
Debt Adjusting Companies and Credit Services Businesses: Tennessee s Requirements Tennessee law has separate provisions relative to debt adjusting companies and credit services businesses (see the definitions
More informationOhio Revised Code Chapter 4722 How to Comply with the New Home Construction Law Act
NARI OF CENTRAL OHIO Presents Ohio Revised Code Chapter 4722 How to Comply with the New Home Construction Law Act Speaker: EASTMAN & SMITH, LTD. BRYAN L. JEFFRIES, ESQ. Overview Review of Ohio Home Construction
More informationChapter 21 Credit Services Organizations Act
Chapter 21 Credit Services Organizations Act 13-21-1 Short title. This chapter is known as the "Credit Services Organizations Act." Enacted by Chapter 29, 1985 General Session 13-21-2 Definitions -- Exemptions.
More informationGreenwich Insurance Company REAL ESTATE PROFESSIONAL ERRORS AND OMISSIONS INSURANCE RENEWAL APPLICATION
REAL ESTATE PROFESSIONAL ERRORS AND OMISSIONS INSURANCE RENEWAL APPLICATION te: Failure to submit a completed application in a timely manner could jeopardize your prior acts coverage. Named Insured: Policy.:
More informationCOURT USE ONLY COMPLAINT
DISTRICT COURT, CITY AND COUNTY OF DENVER, COLORADO 1437 Bannock Street, Room 256 Denver, Colorado 80202 STATE OF COLORADO ex rel. John W. Suthers, Attorney General, Plaintiff, v. Jennifer Proffitt-Payne,
More informationSenate. File No. 757. Approved by the Legislative Commissioner May 3, 2014
Senate General Assembly File No. 757 February Session, 2014 (Reprint of File No. 191) Substitute Senate Bill No. 209 As Amended by Senate Amendment Schedule "A" and House Amendment Schedule "A" Approved
More informationGreenwich Insurance Company
REAL ESTATE PROFESSIONAL ERRORS AND OMISSIONS INSURANCE APPLICATION tice: This is an application for a policy that contains Claims-made liability protection. Coverage for prior acts and claims made after
More informationNebraska Loan Broker Act Chapter 45, Article 1, Section f 45-189 to 45-193
45-189 Loan brokers; legislative findings. The Legislature finds that: Nebraska Loan Broker Act Chapter 45, Article 1, Section f 45-189 to 45-193 (1) Many professional groups are presently licensed or
More informationCREDIT REPAIR SERVICES (California Civil Code 1789.10 et seq.; 15 U.S.C.A. 1679 et seq.)
Legal Affairs 1625 North Market Blvd., Suite S 309, Sacramento, CA 95834 www.dca.ca.gov Legal Guide CR-9 CREDIT REPAIR SERVICES (California Civil Code 1789.10 et seq.; 15 U.S.C.A. 1679 et seq.) January
More informationSTATE OF ILLINOIS DEPARTMENT OF FINANCIAL & PROFESSIONAL REGULATION DIVISION OF FINANCIAL INSTITUTIONS
STATE OF ILLINOIS DEPARTMENT OF FINANCIAL & PROFESSIONAL REGULATION DIVISION OF FINANCIAL INSTITUTIONS In the Matter of ) ) CareOne Services, Inc. ) No. 11 CC 338 ) TO: CareOne Services, Inc. Gordon Feinblatt
More informationTEXAS ASSOCIATION OF REALTORS INDEPENDENT CONTRACTOR AGREEMENT FOR SALES ASSOCIATE. Robyn Jones Homes, LLC
1 TEXAS ASSOCIATION OF REALTORS INDEPENDENT CONTRACTOR AGREEMENT FOR SALES ASSOCIATE USE OF THIS FORM BY PERSONS WHO ARE NOT MEMBERS OF THE TEXAS ASSOCIATION OF REALTORS IS NOT AUTHORIZED Texas Association
More informationStandards of Practice for the Remodeling Industry
Standards of Practice for the Remodeling Industry Revised February 2013 Page 1 of 9 Table of Contents Introduction... 3 NARI s Code of Ethics... 4 A. Marketing... 4 1. Marketing must be truthful and non-deceptive....
More informationRevised and Instituted June 15, 2016 STATEMENT OF GOALS
Morris Williams Realty Including Morris Williams Corporation, Morris Williams Realty, Inc., Morris Williams Real Estate, Inc. and fictitious business names Morris Williams Realty and Morris Williams Real
More informationCOLORADO CREDIT SERVICES ORGANIZATION ACT. Table of Contents COLORADO CREDIT SERVICES ORGANIZATION ACT... 1
COLORADO CREDIT SERVICES ORGANIZATION ACT Table of Contents COLORADO CREDIT SERVICES ORGANIZATION ACT... 1 12-14.5-101. Short title.... 1 12-14.5-102. Legislative declaration.... 1 12-14.5-103. Definitions...
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * SOLID AD SOLUTIONS, LLC, * and * Case No. 2010-0376 CHRISTOPHER LEWALLEN, * Respondents. * * * * * * * * * *
More informationFEDERAL DEPOSIT INSURANCE CORPORATION WASHINGTON, D.C.
FEDERAL DEPOSIT INSURANCE CORPORATION WASHINGTON, D.C. ) ) In the Matter of ) CONSENT ORDER, ) ORDER FOR ACHIEVE FINANCIAL SERVICES, LLC, as an ) RESTITUTION, AND institution-affiliated party of ) ORDER
More informationCodes of Conduct for Direct Selling towards consumers
European Codes of Conduct for Direct Selling towards consumers European Codes of Conduct for Direct Selling 1 European Codes of Conduct for Direct Selling towards consumers Adopted in 1995 Amended in June
More informationREAL ESTATE PROFESSIONALS ERRORS AND OMISSIONS INSURANCE APPLICATION
REAL ESTATE PROFESSIONALS ERRORS AND OMISSIONS INSURANCE APPLICATION Notice This is an application for a policy that contains "Claims-made" liability protection. Coverage for prior acts and claims made
More informationINDEPENDENT CONTRACTOR AGREEMENT (Between Broker and Licensee)
INDEPENDENT CONTRACTOR AGREEMENT (Between Broker and Licensee) This Independent Contractor Agreement ( Agreement ), is made between Realtyka LLC ( Broker ), operating under the assumed name Real and (
More informationCase 1:15-cv-00179-RDB Document 1 Filed 01/22/15 Page 1 of 14 IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND BALTIMORE DIVISION
Case 1:15-cv-00179-RDB Document 1 Filed 01/22/15 Page 1 of 14 IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND BALTIMORE DIVISION CONSUMER FINANCIAL PROTECTION BUREAU 1700 G Street NW Washington,
More informationDepartment of Legislative Services Maryland General Assembly 2012 Session
Department of Legislative Services Maryland General Assembly 2012 Session SB 303 FISCAL AND POLICY NOTE Revised Senate Bill 303 (Chair, Finance Committee)(By Request - Departmental - Labor, Licensing and
More informationCONSUMER PROTECTION SECTION OHIO CONSUMER LAWS
CONSUMER PROTECTION SECTION OHIO CONSUMER LAWS THE CONSUMER SALES PRACTICES ACT As the cornerstone of Ohio s consumer protection laws, the Consumer Sales Practices Act prohibits deceptive, unfair, and
More informationILLINOIS CREDIT REPAIR LAWS
ILLINOIS CREDIT REPAIR LAWS This page contains information about starting a credit repair business in Illinois as well as legal information and Credit Repair laws for the State of Illinois. IL ST Ch. 815,
More informationFrequently Asked Questions for Professional Solicitors and Professional Fundraising Counsels
Who needs to register? Frequently Asked Questions for Professional Solicitors and Professional Fundraising Counsels Professional Solicitors and Professional Fundraising Counsels must register. A Professional
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND * * * * * * * * * * * * * * ORDER TO SHOW CAUSE
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * BES ENTERPRISES, LLC, * d.b.a. FRANKLIN FINANCIAL, a.k.a. FRANKLIN FINANCIAL SOLUTIONS, * a.k.a. FRANKLIN FINANCIAL
More informationSENATE STAFF ANALYSIS AND ECONOMIC IMPACT STATEMENT
SENATE STAFF ANALYSIS AND ECONOMIC IMPACT STATEMENT (This document is based on the provisions contained in the legislation as of the latest date listed below.) BILL: SB 2240 SPONSOR: SUBJECT: Senator Garcia
More informationCase4:15-cv-04219-DMR Document1 Filed09/16/15 Page1 of 11
Case:-cv-0-DMR Document Filed0// Page of MICHAEL G. RHODES () (rhodesmg@cooley.com) California Street, th Floor San Francisco, CA Telephone: Facsimile: BRENDAN J. HUGHES (pro hac vice to be filed) (bhughes@cooley.com)
More informationImmigration Assistance Services
Immigration Assistance Services New York enacted A07137 into law in 2004. A07137 is reported to be the first to establish standards for immigration consultants. A press release from New York Governor Pataki
More informationREAL ESTATE PROFESSIONALS ERRORS AND OMISSIONS INSURANCE APPLICATION
Exclusively Administered by: Pearl Insurance 1200 East Glen Avenue Peoria Heights, IL 61616-5348 1.800.289.8170 www.pearlinsurance.com REAL ESTATE PROFESSIONALS ERRORS AND OMISSIONS INSURANCE APPLICATION
More informationWisconsin Contractors Institute. Home Improvement Trade Practices ATCP 110 & 111
Wisconsin Contractors Institute Home Improvement Trade Practices ATCP 110 & 111 Steps to Complete the Course 1.) Read the Course 2.) Complete the Final Exam Course Approval #12696 For more information:
More information940 CMR: OFFICE OF THE ATTORNEY GENERAL
940 CMR 19.00: RETAIL MARKETING AND SALE OF ELECTRICITY Section 19.01: Purpose 19.02: Scope 19.03: Definitions 19.04: Misrepresentations Prohibited 19.05: Disclosures Required 19.06: Other Unfair or Deceptive
More informationUnauthorized Practice of Law
Unauthorized Practice of Law Maryland, Virginia and the District of Columbia - Laws, Regulations and Procedures for how to file a complaint against a Notario Publico Overview Notary v. Notario Publico
More informationTitle 9-A: MAINE CONSUMER CREDIT CODE
Title 9-A: MAINE CONSUMER CREDIT CODE Article 10: LOAN BROKERS Table of Contents Part 1. GENERAL PROVISIONS... 3 Section 10-101. SHORT TITLE... 3 Section 10-102. DEFINITIONS... 3 Part 2. REGISTRATION AND
More informationCase 2:13-cv-00279-TOR Document 1 Filed 07/30/13 UNITED STATES DISTRICT COURT EASTERN DISTRICT OF WASHINGTON
0 JONATHAN E. NUECHTERLEIN General Counsel ROBERT J. SCHROEDER Regional Director NADINE SAMTER, WA Bar # JENNIFER LARABEE, CA Bar # nd Ave., Suite Seattle, WA ( 0- (Samter; ( 0-0 (Larabee Email: nsamter@ftc.gov;
More informationState of Minnesota Campaign Finance and Public Disclosure Board 190 Centennial Building. 658 Cedar Street. St. Paul, MN 55155-1603
State of Minnesota Campaign Finance and Public Disclosure Board 190 Centennial Building. 658 Cedar Street. St. Paul, MN 55155-1603 THE FOLLOWING PUBLICATION DOES NOT IDENTIFY THE REQUESTER OF THE ADVISORY
More information- "'. --, ,-~ ') " UNITED STATES DISTRICT COURT DISTRICT OF ARIZONA. Federal Trade Commission,
- "'. --, -.:li ') " :::; ),-~ --' DA VlD SHONKA Acting General Counsel 2 BARBARA Y.K. CHUN, Cal. BarNo. 0 3 JOHN D. JACOBS, Cal. Bar No. 1344 Federal Trade Commission 4 Wilshire Blvd., Ste. 00 Los Angeles,
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * ASIA PACIFIC ENERGY INC. * TRAVIS ARMSTRONG * GLOBAL PARTNERS CAPITAL * Securities Division No. 2007-0126 GERARD
More informationThis webinar is brought to you by CLEONet www.cleonet.ca
This webinar is brought to you by CLEONet www.cleonet.ca CLEONet is a web site of legal information for community workers and advocates who work with low-income and disadvantaged communities in Ontario.
More informationHome Renovations and Repair
Home Renovations and Repair June 2005 This tipsheet is intended to provide general information and is not a substitute for legal advice. This tipsheet has two parts: general information about hiring any
More informationCREDIT REPAIR ORGANIZATIONS ACT 15 U.S.C. 1679 et. seq.
CREDIT REPAIR ORGANIZATIONS ACT 15 U.S.C. 1679 et. seq. Please note that the information contained herein should not be construed as legal advice and is intended for informational purposes only. In addition,
More informationState Enforcement of Privacy Laws. Phil Ziperman. Mark Pacella. Allen Brandt, CIPP/US, CIPP/E
State Enforcement of Privacy Laws Phil Ziperman Deputy Chief, Consumer Protection Division (MD) Mark Pacella Chief Deputy, Charitable Trusts and Organizations (PA) Allen Brandt, CIPP/US, CIPP/E Chief Privacy
More informationChecks written out to cash being negotiated by the elder s caregiver. Checks signed by the senior but filled out by someone else
Elder Financial Abuse Litigation Guide California Advocates for Nursing Home Reform Inappropriate banking activity, such as unusually large withdrawals or withdrawals from automated banking machines when
More informationAttorney for Plaintiff SUPERIOR COURT OF THE STATE OF CALIFORNIA SAN BERNARDINO COUNTY CIVIL DIVISION. MARIA GODINEZ, an individual,
VACHON LAW FIRM Michael R. Vachon, Esq. (SBN ) 0 Via Del Campo, Suite San Diego, California Tel.: () -0 Fax: () - Attorney for Plaintiff SUPERIOR COURT OF THE STATE OF CALIFORNIA SAN BERNARDINO COUNTY
More informationCase 1:07-cv-00558-RPM Document 1 Filed 03/20/2007 Page 1 of 13 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLORADO
Case 1:07-cv-00558-RPM Document 1 Filed 03/20/2007 Page 1 of 13 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLORADO FEDERAL TRADE COMMISSION, Plaintiff, Case No. v. DEBT SET, INC., a Colorado corporation;
More informationTITLE 114 EMERGENCY RULE INSURANCE COMMISSIONER SERIES 83 DISCOUNT MEDICAL PLAN ORGANIZATIONS AND DISCOUNT PRESCRIPTION DRUG PLAN ORGANIZATIONS
114CSR83 TITLE 114 EMERGENCY RULE INSURANCE COMMISSIONER SERIES 83 DISCOUNT MEDICAL PLAN ORGANIZATIONS AND DISCOUNT PRESCRIPTION DRUG PLAN ORGANIZATIONS Section 114-83-1. General. 114-83-2. Licensing Requirements.
More informationShort Sale Purchase Contract Addendum
Purchase Contract Addendum Dated: Bank of America 1 st Loan No.: Bank of America 2 nd Loan No.: This Addendum to Purchase Contract is entered into and is effective as of / / by and between Seller(s) and
More informationHow to stay out of HOT water?
How to stay out of HOT water? (Keeping Title Agents LUKEWARM) William R. Lacy Arkansas Insurance Department 1200 West Third Street Little Rock, AR 72201-1904 501-682-5215 Phone 501-917-2748 FAX Sarah Harper
More informationDISTRESSED PROPERTY CONSULTANTS
DISTRESSED PROPERTY CONSULTANTS DISTRESSED PROPERTY CONSULTANTS New York City Administrative Code: Title 20 20-723.3. Disclosure Requirements for Distressed Property Consultants. 20-724. Requirements of
More informationCodes of Conduct for Direct Selling
European Codes of Conduct for Direct Selling European Codes of Conduct for Direct Selling 1 European Codes of Conduct for Direct Selling Adopted in 1995 Amended in June 1999, November 2000, May 2004 and
More informationANALYSIS AS PASSED BY THE SENATE
DEBT MANAGEMENT ACT REVISIONS S.B. 664 (S-2): ANALYSIS AS PASSED BY THE SENATE Senate Bill 664 (Substitute S-2 as passed by the Senate) Sponsor: Senator Mike Kowall Committee: Banking and Financial Institutions
More informationREGISTRATION REQUIREMENT
REGISTRATION REQUIREMENT An in-state athlete agent must register with the Commission prior to directly or indirectly serving or offering to serve as an athlete agent in the Commonwealth. An out-of-state
More informationProvince of Alberta FAIR TRADING ACT. Revised Statutes of Alberta 2000 Chapter F-2. Current as of July 1, 2015. Office Consolidation
Province of Alberta FAIR TRADING ACT Revised Statutes of Alberta 2000 Current as of July 1, 2015 Office Consolidation Published by Alberta Queen s Printer Alberta Queen s Printer 7th Floor, Park Plaza
More informationDISCLOSURE DOCUMENT STATUTORY NOTICES
DISCLOSURE DOCUMENT STATUTORY NOTICES A COMMERCIAL CREDIT REPORT IS A REPORT WHICH MAY INCLUDE INFORMATION ON THE FRANCHISOR S BUSINESS BACKGROUND, BANKING INFORMATION, CREDIT HISTORY AND TRADE REFERENCES.
More informationOCCUPATIONS CODE TITLE 8. REGULATION OF ENVIRONMENTAL AND INDUSTRIAL TRADES CHAPTER 1303. RESIDENTIAL SERVICE COMPANIES. As Revised and in Effect on
OCCUPATIONS CODE TITLE 8. REGULATION OF ENVIRONMENTAL AND INDUSTRIAL TRADES CHAPTER 1303. RESIDENTIAL SERVICE COMPANIES As Revised and in Effect on September 1, 2009 Texas Real Estate Commission P.O. Box
More informationConsumer s Guide to. Hiring an Architect. California Architects Board. Public Protection Through Examination, Licensure and Regulation
Consumer s Guide to Hiring an Architect California Architects Board Public Protection Through Examination, Licensure and Regulation California Architects Board Public Protection Through Examination, Licensure
More informationLAW OF AGENCY COURSE OUTLINE AGENCY BASICS
LAW OF AGENCY COURSE OUTLINE AGENCY BASICS QUIZ 1 SOURCES OF AGENCY LAW: Common Law - Agency law & Contract law Statutory Law - The Texas Real Estate License Act STATUTE: A law ACT: A comprehensive law
More informationCLAUSES REQUIRED ON ALL HOME IMPROVEMENT CONTRACTS ($500.00 on up)
CLAUSES REQUIRED ON ALL HOME IMPROVEMENT CONTRACTS ($500.00 on up) 1. The name, address and license number of the contractor, and the name and registration number of any salesperson who solicited or negotiated
More informationIN THE CIRCUIT COURT OF JACKSON COUNTY, MISSOURI AT KANSAS CITY
IN THE CIRCUIT COURT OF JACKSON COUNTY, MISSOURI AT KANSAS CITY STATE OF MISSOURI, ex rel. ) JEREMIAH W. (JAY) NIXON, ) Attorney General, ) ) Plaintiff, ) ) v. ) ) Case No. ACCESS RESOURCE SERVICES, )
More informationINTRODUCTION. 1. The State of Maine and Securities Administrator (hereinafter collectively
STATE OF MAINE YORK, ss. SUPERIOR COURT CIVIL ACTION DOCKET NO. CV-05- STATE OF MAINE and SECURITIES ADMINISTRATOR, Plaintiffs, v. COMPLAINT LORI M. HEMINGS, Defendant. INTRODUCTION 1. The State of Maine
More informationFlorida Moves, Inc. Real Estate Referrals
Florida Moves, Inc. Real Estate Referrals Florida Moves is a referral program for individuals holding a salesperson or broker s license who, because of other commitments or interests, choose not to be
More informationAmerican Health Lawyers Association. Fraud and Abuse, Self-Referrals, and False Claims Practice Group
American Health Lawyers Association Fraud and Abuse, Self-Referrals, and False Claims Practice Group SUMMARY OF FRAUD AND ABUSE STATUTES & REGULATIONS DELAWARE Prepared by Gary G. Grindler, Esquire Christopher
More informationBUSINESS TECHNOLOGY PARTNERS REFERRAL PARTNER AGREEMENT
BUSINESS TECHNOLOGY PARTNERS REFERRAL PARTNER AGREEMENT This Business Technology Partners Referral Partner Agreement is entered into as of, 2011 ( Effective Date ), by and between Business Technology Partners,
More informationATTORNEY GENERAL S MODEL HOME CONSTRUCTION OR REPAIR CONTRACT
Last Revised 03/03/04 18 ATTORNEY GENERAL S MODEL HOME CONSTRUCTION OR REPAIR CONTRACT 18. 1. Introduction This consumer rights chapter provides information on the State s requirement that home construction
More informationIN THE IOWA DISTRICT COURT FOR POLK COUNTY
IN THE IOWA DISTRICT COURT FOR POLK COUNTY STATE OF IOWA ex rel. ) THOMAS J. MILLER, ) ATTORNEY GENERAL OF IOWA, ) Equity No. 99AG25112, ) ) ) Plaintiff, ) ) v. ) ) HOUSEHOLD INTERNATIONAL, INC.) PETITION
More informationPLEASE NOTE. For more information concerning the history of these regulations, please see the Table of Regulations.
PLEASE NOTE This document, prepared by the Legislative Counsel Office, is an office consolidation of this regulation, current to January 01, 2007. It is intended for information and reference purposes
More informationNew Business Application. Real Estate Professional Liability (E&O) Insurance
New Business Application The Hanover Insurance Company 440 Lincoln Street, Worcester, MA 01653 Citizens Insurance Company of America 645 West Grand River Avenue, Howell, MI 48843 Please submit application
More informationPROPERTY MANAGER SUPPLEMENTAL APPLICATION
Name of Insurance Company to which Application is made PROPERTY MANAGER SUPPLEMENTAL APPLICATION This is a supplement to an application for a CLAIMS-MADE and Reported Policy. It is to be used solely in
More informationAT THE STORE CONSUMER CREDIT AND PROTECTION
AT THE STORE CONSUMER CREDIT AND PROTECTION Purchase of goods and services with a credit card is a part of modern life. As you may know, credit is easy to get. You may be required to have your mom or dad
More informationTITLE IV - CREDIT REPAIR ORGANIZATIONS''
The Credit Repair Organization Act The Credit Repair Organizations Act ("CROA") is not actually an Act; it is actually Title IV of The Consumer Credit Protection Act. Section 401 states, however, it can
More informationORDERED, ADJUDGED AND DECREED,
STEPHEN CALKINS General Counsel CAROLE A. PAYNTER (CP 4091) Federal Trade Commission 150 William Street, 13th floor New York, New York 10038 (212) 264-1225 Attorneys for Plaintiff UNITED STATES DISTRICT
More informationTitle 10: COMMERCE AND TRADE
Title 10: COMMERCE AND TRADE Chapter 211-A: FRANCHISE LAWS FOR POWER EQUIPMENT, MACHINERY AND APPLIANCES Table of Contents Part 3. REGULATION OF TRADE... Section 1361. DEFINITIONS... 3 Section 1362. CIVIL
More informationRULES AND REGULATIONS MULTIPLE LISTING SERVICE SAN FRANCISCO ASSOCIATION OF REALTORS (As Amended February 24, 2004) TABLE OF CONTENTS
RULES AND REGULATIONS MULTIPLE LISTING SERVICE SAN FRANCISCO ASSOCIATION OF REALTORS (As Amended February 24, 2004) TABLE OF CONTENTS 1. AUTHORITY... 4 2. PURPOSE... 4 3. MULTIPLE LISTING SERVICE COMMITTEE...
More informationDISTRICT COURT, CITY AND COUNTY OF DENVER, COLORADO 1437 Bannock Street Denver, CO 80202 STATE OF COLORADO, ex rel. JOHN W. SUTHERS, ATTORNEY GENERAL
DISTRICT COURT, CITY AND COUNTY OF DENVER, COLORADO 1437 Bannock Street Denver, CO 80202 STATE OF COLORADO, ex rel. JOHN W. SUTHERS, ATTORNEY GENERAL EFILED Document CO Denver County District Court 2nd
More informationUNITED STATES DISTRICT COURT CENTRAL DISTRICT OF CALIFORNIA, WESTERN DIVISION
Case :-cv-0 Document Filed 0// Page of Page ID #: 0 ANTHONY ALEXIS, DC Bar # Email: anthony.alexis@cfpb.gov Phone: (0) - JEFFREY PAUL EHRLICH, FL Bar # Email: jeff.ehrlich@cfpb.gov Phone: (0) - JOHN C.
More informationDISCOUNT MEDICAL PLAN ORGANIZATION MODEL ACT
Table of Contents Model Regulation Service October 2007 DISCOUNT MEDICAL PLAN ORGANIZATION MODEL ACT Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section 8. Section 9. Section
More informationa. a person offering or selling a security as defined in Section 2 of Title 71 of the Oklahoma Statutes if:
Oklahoma Statutes Citationized Section 775A.1 - Legislature Finds, Determines and Declares. The Legislature hereby finds, determines and declares that the use of telephones for commercial solicitation
More informationNATIONAL FUNERAL DIRECTORS ASSOCIATION
National Funeral Directors Association 13625 Bishop s Drive Brookfield, WI 53005 Ph. 800 228-6332 www.nfda.org NATIONAL FUNERAL DIRECTORS ASSOCIATION MODEL CONSUMER PROTECTION GUIDELINES FOR STATE PRENEED
More informationBuying Smart / Selling Smart The 10 Biggest Legal Pitfalls in Lead Generation
Buying Smart / Selling Smart The 10 Biggest Legal Pitfalls in Lead Generation LeadsCon East July 26, 2010, 10:15 10:45 am ET Marriott Marquis, New York, N.Y. Jonathan L. Pompan, Esq. Venable LLP, Washington,
More informationBuying a Used Car. Before You Look For a Used Car, Consider
Buying a Used Car This guide explains your protections under the FTC's Used Car Rule and offers some shopping suggestions, even if you are not buying from a used car dealer. Before you begin looking at
More informationHow To Sue A Magazine Publisher In Cocolorado
DISTRICT COURT, CITY AND COUNTY OF DENVER, COLORADO 1437 Bannock Street, Room 256 Denver, Colorado 80202 STATE OF COLORADO, ex rel. JOHN W. SUTHERS, ATTORNEY GENERAL DATE FILED: April 29, 2013 5:19 PM
More informationIMINA' TRENTA NA LIHESLATURAN GUAHAN 2009 (FIRST) Regular Session, AN ACT TO ADD A NEW ARTICLE 9 TO CHAPTER 15 OF 22GCA RELATIVE TO PUBLIC ADJUSTERS.
Bill No. Introduced by: IMINA' TRENTA NA LIHESLATURAN GUAHAN 2009 (FIRST) Regular Session, V'l ~ RaYTenori~ AN ACT TO ADD A NEW ARTICLE 9 TO CHAPTER 15 OF 22GCA RELATIVE TO PUBLIC ADJUSTERS. 1 BE IT ENACTED
More informationTITLE 209: DIVISION OF BANKS CHAPTER 41.00: THE LICENSING OF MORTGAGE LOAN ORIGINATORS
TITLE 209: DIVISION OF BANKS CHAPTER 41.00: THE LICENSING OF MORTGAGE LOAN ORIGINATORS 41.01: Purpose and Scope The purpose of 209 CMR 41.00 et seq. is to establish procedures and requirements for the
More informationCHAPTER 80G BULLION COIN DEALERS
1 MINNESOTA STATUTES 2015 80G.01 CHAPTER 80G BULLION COIN DEALERS 80G.01 DEFINITIONS. 80G.02 REGISTRATION. 80G.03 REGISTRATION DENIAL, NONRENEWAL, REVOCATION, AND SUSPENSION. 80G.04 CRIMINAL CONVICTIONS.
More informationSTATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS DIVISION OF CONSUMER SERVICES
1 2 STATE OF WASHINGTON DIVISION OF CONSUMER SERVICES 3 IN THE MATTER OF DETERMINING No. C-14-1568-15-SC01 Whether there has been a violation of the 4 Consumer Loan Act of Washington by: and NOTICE OF
More informationGuidelines and Interpretations of the Connecticut Real Estate Licensing Law
Guidelines and Interpretations of the Connecticut Real Estate Licensing Law Developed By The Connecticut Real Estate Commission In association with The Connecticut Association of REALTORS, Inc. PREFACE
More information) ) ) ) ) ) ) ) ) ) I. INTRODUCTION. Plaintiff State of North Carolina, by and through its Attorney General, brings this action
13CVUI4147 NORTH CAROLINA WAKE COUNTY IN THE GENERAL COURT OF JUSTICE SUPERIOR COURT DIVISION File No. ---------------- STATE OF NORTH CAROLINA, ex ref. ROY COOPER, ATTORNEY GENERAL, ATTORNEY GENERAL,
More informationJune 10, 2010. 2010 Legislative Amendments to the Indiana Code Relating to First Lien Mortgage Act (the Act )
June 10, 2010 2010 Legislative Amendments to the Indiana Code Relating to First Lien Mortgage Act (the Act ) Effective July 1, 2010 (except as otherwise indicated) Questions, Answers, and Administrative
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND FINAL ORDER TO CEASE AND DESIST
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * * FAMILY TREE DIGITAL VIDEO CORP., * Case No. 2008-0350 and * ROBBIE DON FRITZER, * Respondents. * * * * * *
More informationVIRTUAL OFFICE WEBSITE (VOW) POLICY
VIRTUAL OFFICE WEBSITE (VOW) POLICY SECTION 37.1: DEFINITIONS a) A Virtual Office Website (VOW) is a Participant s Internet website, through which the Participant is capable of providing real estate brokerage
More informationConsumer Confidence Trustmarks
Consumer Confidence Trustmarks September 14, 2001 Issue Chair Contact Point (Europe/Africa) Contact Point (Asia/Oceania) Carleton S. Fiorina Chairman & CEO Hewlett-Packard Dr. Klaus Mangold CEO DaimlerChrysler
More informationFlorida Administrative Code
Florida Administrative Code Rule 69B-220.051 Conduct of Public Adjusters. (1) Purpose and Scope. This rule sets forth department policy as to certain matters generally affecting public adjusters. Procedures
More informationHouse Bill 1080 prohibits residential supply contracts for electricity from
STATE OF MARYLAND OFFICE OF PEOPLE S COUNSEL Paula M. Carmody, People s Counsel 6 St. Paul Street, Suite 2102 Baltimore, Maryland 21202 410-767-8150; 800-207-4055 www.opc.state.md.us BILL NO.: House Bill
More informationDEPARTMENT OF COMMERCE AND CONSUMER AFFAIRS HAWAII POST-SECONDARY EDUCATION AUTHORIZATION PROGRAM (HPEAP)
DEPARTMENT OF COMMERCE AND CONSUMER AFFAIRS HAWAII POST-SECONDARY EDUCATION AUTHORIZATION PROGRAM (HPEAP) APPLICATION FOR AUTHORIZATION OF SEMINARY OR RELIGIOUS TRAINING INSTITUTION NOTE: If you are a
More informationCHAPTER 13-10 MORTGAGE LOAN ORIGINATORS
CHAPTER 13-10 MORTGAGE LOAN ORIGINATORS 13-10-01. Purpose. The purpose of this chapter is to protect consumers seeking mortgage loans and to ensure that the mortgage lending industry is operating without
More informationDistribution channels in insurance
Distribution channels in insurance An insurance cover is an intangible product evidenced by a written contract known as the policy. Insurers market various insurance covers either directly or through various
More informationNC General Statutes - Chapter 75 Article 4 1
Article 4. Telephone Solicitations. 75-100. Findings. The General Assembly finds all of the following: (1) The use of the telephone to market goods and services to the home is now pervasive due to the
More informationThe 2012 Florida Statutes
Statutes & Constitution :View Statutes : Online Sunshine http://www.leg.state.fl.us/statutes/index.cfm?app_mode=display_statute&search_string... Page 1 of 1 1/14/2013 Select Year: 2012 Go The 2012 Florida
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND. PARIS G. MILLS * Case No. 2008-0384 ORDER TO SHOW CAUSE
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * PARIS G. MILLS * Case No. 2008-0384 and * CREDIT SOLUTION AND FINANCIAL * SERVICES, INC. * Respondents. * *
More informationQuick Reference Guide
Signature of Applicant X Date Signature of Joint Applicant (If Applicable) X Date VERIFIED BY: RETAILER # ACCOUNT # KEY # AMOUNT OF INITIAL TRANSACTION APPLICANT 1 st ID TYPE/NUMBER ISSUANCE STATE EXP.
More information