Navigating a Path to Self-Regulation: Strategies to Bring to Lead Generation
|
|
|
- Chester Clarence Clarke
- 10 years ago
- Views:
Transcription
1 WiFiAccessCode: LEADSPEDIA Follow at #leadscon Wednesday, 1:30 2:10pm Navigating a Path to Self-Regulation: Strategies to Bring to Lead Generation SPEAKERS: Sandy Brown, Assistant Director, Financial Practices, Federal Trade Commission C. Lee Peeler, President & CEO, Advertising Self-Regulatory Council and EVP, National Advertising, Council of Better Business Bureaus Jonathan Pompan, Partner, Venable LLP
2 Jonathan L. Pompan Venable LLP
3 This presentation is for general informational purposes only and does not represent and is not intended to provide legal advice or opinion and should not be relied on as such. Legal advice can only be provided in response to specific fact situations. This presentation does not represent any undertaking to keep recipients advised as to all or any relevant legal developments. ATTORNEY ADVERTISING. Views expressed are those of the speakers only, and do not represent the views of their organizations.
4 Jonathan L. Pompan Partner, Venable Sandhya P. Brown Assistant Director, Division of Financial Practices, Federal Trade Commission Lee Peeler, President & CEO, Advertising Self-Regulatory Council and EVP, National Advertising, Council of Better Business Bureaus
5 Introduction 1. How did we get here? 2. Federal Trade Commission and Lead Generation Advertising 3. Self Regulation What is it, and how does it help? 4. Discussion
6 How we got here Use of Lead Generation is increasing Scrutiny of facial lead generation advertising, data use, and vertical specific regulation is on the rise (e.g., FTC, CFPB, Dept. of Ed., SSA OIG, state Attorneys General, state financial services and insurance regulators) Self-regulation by the industry may make it easier for buyers and sellers of inquiry based advertising to do business.
7 Traits and Benefits for Effective Self Regulation 1. Prompt, flexible, and responsive 2. Adaptable. 3. Helps increase compliance. 4. Process and outcomes can be flexible to market. 5. Realities of the market. 6. Increases confidence. 7. Financial incentives.
8 To view Venable s index of articles and PowerPoint presentations on related legal topics, see
9 FEDERAL TRADE COMMISSION Sandhya Brown, Assistant Director Division of Financial Practices Bureau of Consumer Protection
10 OVERVIEW (1) The FTC s Role (2) Enforcement History (briefly) (3) Fall 2015 Workshop
11 FTC s Enforcement Authority FTC Act Broad jurisdiction Section 5 Deception Unfairness Rules e.g., TSR, MAP
12 Deceptive Claims to Consumers Who is making the offer (FTC v. Mallett) What is being offered (FTC v. GoLoansOnline.com) Security of Consumers Personal Data (FTC v. ValueClick)
13 Deceptive Claims to Consumers LIABILITY OF: Publisher Affiliate Network Service Provider (FTC v. LeanSpa, FTC v. Five Star Auto)
14 Unfair Sale of Sensitive Data
15 Unfair Sale of Sensitive Data Confidential Phone Records (FTC v. Accusearch) Payday Loan Applications (FTC v. Sitesearch, FTC v. Sequoia One) Debt Portfolios (FTC v. Cornerstone, FTC v. Bayview Solutions)
16 FTC Workshop: Follow The Lead October 30, 2015, Washington, DC
17 FTC Workshop: Follow The Lead Hear from industry members Understand more about the mechanics of lead generation in different verticals Identify consumer protection issues Learn about best practices
18 Friday, October 30, th Street, SW, Washington, DC [email protected]
19 Self-Regulation of Lead Generation Claims Lee Peeler President & CEO, ASRC EVP, National Advertising, CBBB
20 The Advertising Industry s Self-Regulatory System 44 years of success Domestically, the FTC views robust self-regulation as an important tool for consumer protection that potentially can respond more quickly and efficiently than government regulation. Edith Ramirez, Commissioner, Federal Trade Commission, Nov. 29, 2012, Federal Trade Commission Workshop on Enforceable Codes of Conduct: Protecting Consumers Across Borders
21 Core Elements Strong Standards Tell the truth Impartiality Administered by BBB Transparency Decisions are public Accountability Referral to FTC if non-compliant
22 Advertising Industry Self-Regulation Advertising Self-Regulatory Council National Advertising Division (1971) Truth and accuracy of national advertising claims Children s Advertising Review Unit (1974) Advertising directed to children Online Interest-Based Advertising Accountability Program (2010) Regulates online behavioral advertising Electronic Retailing Self-Regulation Program (2004) Truthful direct response marketing & telemarketing/seminars
23 ERSP Process Advertising comes to the attention of ERSP through its monitoring of the marketplace and consumer and competitive challenges Process Opening Letter Marketer s Reply ERSP Reply Marketer s Response Final Decision Marketer s Statement Press Release ERSP final decisions and press releases are published in the ASRC Online Archive
24 Telemarketing and Lead Generation In 2012, ERSP initiated a program to monitor and review lead generation advertising and telemarketing of the coaching and mentoring industry In 2013, ERSP further expanded the program to review recordings of free live seminar events Participants provide ERSP with access to telesales calls and/or seminar recordings; must be Electronic Retailing Association (ERA) members Continuous ongoing review of lead generation advertising
25 Lead Generation Advertising As part of the ERSP Review Program, ERSP has made a concerted effort to monitor lead generation advertising Closed 29 cases to date Referred 10 cases to FTC to date Inquiries are initiated by ERSP through its own monitoring and also brought by challengers Cases follow established ERSP Policy & Procedures
26 ERSP Referrals to FTC Life Without Limits, Inc. (Million Dollar Edge), Case #294, June 20, 2012 Maverick Enterprises, LLC (Maverick Money Makers), Case #297, August 10, 2012 MarksEnterprise.com, Inc. (Super Affiliate Lab), Case #310, February 25, 2013 The Info Marketing Group, Inc. (The Mini Site Formula), Case #312, April 2, 2013 Premium Web Marketing, Inc. (Review Riches), Case #301, October 22, 2012 Richatlast.com (Richatlast.com), Case #317, May 8, 2013 Hazel Peppergood, Inc. (Hazel Peppergood), Case #320, June 24, 2013 Internet Secrets (The 7 Day Test), Case #321, June 24, 2013 MobileMoneyCode.Net (Mobile Money Code), Case #354, September 25, 2014
27 Challenges for the Future New focus on lead generation practices Clear legal standards on deception Choice more government enforcement? Or stronger industry effort to police itself?
28 Thank You
Advertising Industry Self-Regulation Overview
Advertising Industry Self-Regulation Overview C. Lee Peeler President, Advertising Self Regulation Council EVP, Council of Better Business Bureaus Peter C. Marinello Director, Electronic Retailing Self-Regulation
WiFiAccessCode: LEADSPEDIA Follow at #leadscon Thursday, 4:00 4:45PM
WiFiAccessCode: LEADSPEDIA Follow at #leadscon Thursday, 4:00 4:45PM Staying Current with Consumer Protection: Practical Lessons from Recent Enforcement Actions MODERATOR: Jonathan Pompan, Partner, Venable
Evolving Legal and Regulatory Landscape for Lead Generation
Evolving Legal and Regulatory Landscape for Lead Generation LeadsCon 2012 February 27, 2012 The Mirage Resort & Casino, Las Vegas, NV Jonathan L. Pompan, Esq. Venable LLP, Washington, DC 1 IMPORTANT INFORMATION
New Federal Regulation of Tax Resolution, Tax Negotiation and Tax Settlement Services: FTC Telemarketing Sales Rule
New Federal Regulation of Tax Resolution, Tax Negotiation and Tax Settlement Services: FTC Telemarketing Sales Rule October 5, 2010, 3:00 4:00 pm ET Jonathan L. Pompan, Esq. Venable LLP, Washington, D.C.
Current Legal and Regulatory Issues Facing Lead Generation Advertising and Marketing
Current Legal and Regulatory Issues Facing Lead Generation Advertising and Marketing LeadsCouncil October 23, 2012, 3 pm 4 pm ET Webinar Jonathan L. Pompan, Esq. Alexandra Megaris, Esq. Venable LLP, Washington,
Navigating Consumer Financial Protection Bureau ( CFPB ) Investigations and Enforcement Actions
Navigating Consumer Financial Protection Bureau ( CFPB ) Investigations and Enforcement Actions Section of Antitrust Law 2013 Spring Meeting Wednesday, April 10, 2013 Jonathan L. Pompan Partner, Co-Chair
Minimizing Legal and Compliance Risk for Credit Furnishers
Minimizing Legal and Compliance Risk for Credit Furnishers Wednesday, November 18, 2015 2:00 p.m. 3:00 p.m. EST Webinar Speakers Jonathan L. Pompan, Esq., Partner and Co-Chair Consumer Financial Protection
Telemarketing, E-mail, and Text Message Marketing: Tips to Avoid Lawsuits
Telemarketing, E-mail, and Text Message Marketing: Tips to Avoid Lawsuits LeadsCouncil December 11, 2012 2 pm 3 pm ET Webinar Ari N. Rothman, Esq., Co-Presenter Molly T. Cusson, Esq., Co-Presenter Jonathan
National Association of Tax Debt Resolution Companies
National Association of Tax Debt Resolution Companies Nation s Capital Legislative and Regulatory Conference May 20-21, 2012 Washington, D.C. Challenges and Public Policy Options Facing the Tax Debt Resolution
Understanding Federal and State AG Financial Services Enforcement Trends and Preventing Future Lawsuits
Understanding Federal and State AG Financial Services Enforcement Trends and Preventing Future Lawsuits Tuesday, May 5, 2015, 2 3 pm ET Venable LLP, Washington, DC Moderator Jonathan L. Pompan, Partner
Good Morning! Thank you for that kind introduction. I am delighted to be here today to
Commissioner Maureen K. Ohlhausen 1 Success in Self-Regulation: Strategies to Bring to the Mobile and Global Era BBB Self-Regulation Conference June 24, 2014 Good Morning! Thank you for that kind introduction.
ONLINE INTEREST-BASED ADVERTISING ACCOUNTABILITY PROGRAM PROCEDURES. Policy Oversight By: The National Advertising Review Council (NARC)
ONLINE INTEREST-BASED ADVERTISING ACCOUNTABILITY PROGRAM PROCEDURES Policy Oversight By: The National Advertising Review Council (NARC) Administered By: The Council of Better Business Bureaus, Inc. (CBBB)
UDAAP & UBIT: Legal Issues Affecting the Student Loan Industry
UDAAP & UBIT: Legal Issues Affecting the Student Loan Industry 2015 Education Finance Council Mid-Year Membership Meeting July 10, 2015 Jonathan L. Pompan Carrie Garber Siegrist Partner and Co-Chair CFPB
IAPP PRIVACY ACADEMY
IAPP PRIVACY ACADEMY KEEPING UP WITH EMERGING STANDARDS FOR MOBILE PRIVACY Joanne McNabb Julie Mayer Tim Tobin Director of Privacy Staff Attorney Partner Education & Policy Northwest Regional Office Hogan
The FTC's Revised.com Disclosures Guide: What Third Party Advertisers and Lead Generators Need to Know
The FTC's Revised.com Disclosures Guide: What Third Party Advertisers and Lead Generators Need to Know LeadsCouncil Webinar April 16, 2013, 2 3 pm ET Jonathan L. Pompan, Partner Ellen T. Berge, Partner
CFPB Update: Regulatory and Enforcement Developments
CFPB Update: Regulatory and Enforcement Developments December 16, 2014, 12:30 1:30 pm ET American Law Institute Webinar Jonathan L. Pompan Alexandra Megaris 1 Agenda Supervision and Examinations What is
Protecting Your Bank Account from Unauthorized and Recurring Payments
Protecting Your Bank Account from Unauthorized and Recurring Payments Lauren Saunders Associate Director at the National Consumer Law Center Lauren Mahoney National Consumer Law Center November 24, 2015
Legislative and Regulatory Developments and the Reverse Mortgage Counseling Industry
Legislative and Regulatory Developments and the Reverse Mortgage Counseling Industry Reverse Mortgage Counseling Association (RMCA) Annual Conference November 2, 2010, 2 pm 2:45 pm CT The Roosevelt, New
The CFPB's 'UDAAPification' Of Consumer Protection Law
Portfolio Media. Inc. 860 Broadway, 6th Floor New York, NY 10003 www.law360.com Phone: +1 646 783 7100 Fax: +1 646 783 7161 [email protected] The CFPB's 'UDAAPification' Of Consumer Protection
Arthur Rotatori, McGlinchey Stafford, PLLC Jason Romrell, LeadsMarket.com Dustin Alonzo, McGlinchey Stafford, PLLC. #LEND360 LEND360.
Arthur Rotatori, McGlinchey Stafford, PLLC Jason Romrell, LeadsMarket.com Dustin Alonzo, McGlinchey Stafford, PLLC #LEND360 LEND360.org Overview of Federal, State & Industry Regula9on Federal Trade Commission
INTRODUCTION TO BBB STATISTICAL COMPILATION - 2006
INTRODUCTION TO BBB STATISTICAL COMPILATION - WHO WE ARE The Better Business Bureau system is comprised of 178 local BBB offices and branches serving communities throughout the U.S. and Canada, the Council
A Legal Update for Debt Settlement Companies and Service Providers
A Legal Update for Debt Settlement Companies and Service Providers United States Organization for Bankruptcy Alternatives (USOBA) 2008 Summer Conference June 23, 2008,1:30 2:30 pm Harbor Beach Marriott,
VIRGINIA ASSOCIATION OF COMMUNITY BANKS
VIRGINIA ASSOCIATION OF COMMUNITY BANKS Spring Internal Audit / Risk Seminar Presented by Lee G. Lester May 26, 2016 Regulatory Hot Topics > De-Risking > Marketplace Lending > Consumer protection initiatives
Shopping In The New Telecommunications Marketplace
Note: This information was prepared by the Federal Trade Commission in cooperation with numerous regulatory agencies, consumer groups, and providers of telecommunication services. Shopping In The New Telecommunications
Guide to Fair Mortgage Lending and Home Preservation
Guide to Fair Mortgage Lending and Home Preservation Fair Housing Legal Support Center & Clinic Guide to Fair Mortgage Lending and Home Preservation What does this guide cover? What is Fair Lending? What
The DMA Guidelines for Ethical Self-Regulation
Before the NATIONAL TELECOMMUNICATIONS AND INFORMATION ADMINISTRATION, U.S. DEPARTMENT OF COMMERCE Washington, DC 20230 COMMENTS of the DIRECT MARKETING ASSOCIATION, INC. on the Multistakeholder Process
FTC Facts. For Consumers Federal Trade Commission. Living paycheck to paycheck? Worried about debt. Fiscal Fitness: Choosing a Credit Counselor
FTC Facts For Consumers Federal Trade Commission For The Consumer December 2005 Fiscal Fitness: Choosing a Credit Counselor Living paycheck to paycheck? Worried about debt collectors? Can t seem to develop
UNITED STATES OF AMERICA FEDERAL TRADE COMMISSION WASHINGTON, D.C. 20580. February 8, 2016
UNITED STATES OF AMERICA FEDERAL TRADE COMMISSION WASHINGTON, D.C. 20580 Division of Financial Practices Patrice Alexander Ficklin, Assistant Director Fair Lending & Equal Opportunity Consumer Financial
Americans for Financial Reform 1629 K St NW, 10th Floor, Washington, DC, 20006 202.466.1885
Americans for Financial Reform 1629 K St NW, 10th Floor, Washington, DC, 20006 202.466.1885 The CFPB is Standing up for Servicemembers and Veterans The Consumer Financial Protection Bureau (CFPB) was specifically
Credit Repair Organizations Act
Credit Repair Organizations Act Title IV of the Consumer Credit Protection Act (Public Law 90-321, 82 Stat. 164) is amended to read as follows: TITLE IV--CREDIT REPAIR ORGANIZATIONS'' Sec. 401. Short title.
Case 1:14-cv-01830-RC Document 1 Filed 10/31/14 Page 1 of 9 UNITED STATES DISTRICT COURT DISTRICT OF COLUMBIA. Case No.
Case 1:14-cv-01830-RC Document 1 Filed 10/31/14 Page 1 of 9 FEDERAL TRADE COMMISSION, 600 Pennsylvania Avenue, NW, CC-10232 Washington, DC 20580 UNITED STATES DISTRICT COURT DISTRICT OF COLUMBIA FILI!D
Short-Term Lenders Face Costly Path To Compliance
Portfolio Media. Inc. 111 West 19 th Street, 5th Floor New York, NY 10011 www.law360.com Phone: +1 646 783 7100 Fax: +1 646 783 7161 [email protected] Short-Term Lenders Face Costly Path To Compliance
CHAPTER 2--CREDIT REPAIR ORGANIZATIONS SEC. 2451. REGULATION OF CREDIT REPAIR ORGANIZATIONS.
CODES COMPLAINTS EMPLOYEE CERTIFICATION FEDERAL LAWS NACSO GUIDELINES LOG OUT CHAPTER 2--CREDIT REPAIR ORGANIZATIONS SEC. 2451. REGULATION OF CREDIT REPAIR ORGANIZATIONS. Title IV of the Consumer Credit
CREDIT 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,
Date: July 10, 2013 Subject: Prohibition of Unfair, Deceptive, or Abusive Acts or Practices in the Collection of Consumer Debts
1700 G Street, N.W., Washington, DC 20552 CFPB Bulletin 2013-07 Date: July 10, 2013 Subject: Prohibition of Unfair, Deceptive, or Abusive Acts or Practices in the Collection of Consumer Debts Under the
How The FTC Identifies, Targets & Tracks Companies Learn How to Keep Off Their List
How The FTC Identifies, Targets & Tracks Companies Learn How to Keep Off Their List David Zetoony, Partner Bryan Cave LLP Leader Global Data Privacy and Security Team Scott J. Stein Online Trust Alliance
Understanding the Relationship between Money Transmitter Laws and Regulations and Debt Management Plans
Understanding the Relationship between Money Transmitter Laws and Regulations and Debt Management Plans Association of Independent Consumer Credit Counseling Agencies (AICCCA) 19 th Mid-Winter Conference
Regulatory Practice Letter December 2012 RPL 12-24
Regulatory Practice Letter December 2012 RPL 12-24 CFPB Nonbank Supervision - Larger Participants for Debt Collection and Credit Reporting Final Rules Executive Summary In February 2012, the Bureau of
How Credit Scores Affect the Price of Credit and Insurance
How Credit Scores Affect the Price of Credit and Insurance $ Federal Trade Commission consumer.ftc.gov Ever wonder how a lender decides whether to grant you credit? For years, creditors have been using
Title IV of the Consumer Credit Protection Act (Public Law 90-321, 82 Stat. 164) is amended to read as follows:
The Credit Repair Organizations Act CHAPTER 2--CREDIT REPAIR ORGANIZATIONS(1) SEC. 2451. REGULATION OF CREDIT REPAIR ORGANIZATIONS. Title IV of the Consumer Credit Protection Act (Public Law 90-321, 82
Understanding Credit Cards
Understanding Credit Cards INTRODUCTION This brochure can help you understand how credit cards work, become familiar with common terms offered with a credit card, and avoid the dangers of using credit
G&I Homes is a New York State Registered Mortgage Broker: NMLS# 20923
G&I Homes is a New York State Registered Mortgage Broker: NMLS# 20923 As a New York State registered mortgage broker, we have access to many lenders and many varied programs. In our capacity as a registered
How To Comply With The Can-Spam Act
FTC FACTS for Business ftc.gov FEDERAL TRADE COMMISSION FOR THE CONSUMER 1-877-FTC-HELP The CAN-SPAM Act: A Compliance Guide for Business D o you use email in your business? The CAN-SPAM Act, a law that
Case 1:14-cv-01414-RBW Document 21 Filed 01/29/15 Page 1 of 15 UNITED STATES DISTRICT COURT DISTRICT OF COLUMBIA
Case 1:14-cv-01414-RBW Document 21 Filed 01/29/15 Page 1 of 15 UNITED STATES DISTRICT COURT DISTRICT OF COLUMBIA FEDERAL TRADE COMMISSION, 600 Pennsylvania Ave NW Washington, DC 20580, Plaintiff, v. Case
UNITED STATES DISTRICT COURT MIDDLE DISTRICT OF FLORIDA, TAMPA DIVISION
UNITED STATES DISTRICT COURT MIDDLE DISTRICT OF FLORIDA, TAMPA DIVISION Consumer Financial Protection Bureau and Office of the Attorney General, State of Florida, Department of Legal Affairs, Case No.
DOL Whistleblower Rule Will Have Far-Reaching Effects
Portfolio Media. Inc. 860 Broadway, 6th Floor New York, NY 10003 www.law360.com Phone: +1 646 783 7100 Fax: +1 646 783 7161 [email protected] DOL Whistleblower Rule Will Have Far-Reaching Effects
The Sharing Economy: Issues Facing Platforms, Participants, and Regulators A Federal Trade Commission Workshop
The Sharing Economy: Issues Facing Platforms, Participants, and Regulators A Federal Trade Commission Workshop The Federal Trade Commission ( Commission or FTC ) will hold a workshop to explore issues
Consumer Guides to Credit Reporting and Credit Scores (Appropriate for General Distribution)
Appendix L Consumer Guides to Credit Reporting and Credit Scores (Appropriate for General Distribution) This appendix contains two consumer guides on credit reports and credit scores. The first guide summarizes
Initial All Disclosures listed under the Client Obligations & Agreement on page 6 of the Client Retainer and Service Agreement;
WELCOME TO THE CREDIT PROS!! Enclosed you will find the Client Retainer and Service Agreement for your services with The Credit Pros. I have begun setting up your file and I am excited to see you on your
Consumer and Community Affairs. Consumer Protection
Consumer and Community Affairs The number of federal laws intended to protect consumers in credit and other financial transactions has been growing since the late 1960s. Congress has assigned to the Federal
Reverse Due Diligence A New Trend In Financial M&A
Portfolio Media. Inc. 860 Broadway, 6th Floor New York, NY 10003 www.law360.com Phone: +1 646 783 7100 Fax: +1 646 783 7161 [email protected] Reverse Due Diligence A New Trend In Financial M&A
Case 0:15-cv-60423-WJZ Document 6-2 Entered on FLSD Docket 03/03/2015 Page 1 of 21
Case 0:15-cv-60423-WJZ Document 6-2 Entered on FLSD Docket 03/03/2015 Page 1 of 21 UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA CASE NO. 0:15-cv-60423-WJZ FEDERAL TRADE COMMISSION, STATES
Letter from the CEO. January 25, 2014. To Our Valued Michaels Customers:
Letter from the CEO January 25, 2014 To Our Valued Michaels Customers: As you may have read in the news, data security attacks against retailers have become a major topic of concern. We recently learned
UNDERSTANDING Your CREDIT REPORT & SCORES
UNDERSTANDING Your CREDIT REPORT & SCORES www.credit.org Promoting Financial Literacy About Springboard Springboard is a non-profit organization founded in 1974. We offer personal financial education and
Can an automotive dealership void your warranty?
Can an automotive dealership void your warranty? Understanding the Magnuson-Moss Warranty Act of 1975. Nearly everyone has heard about someone who has taken a vehicle that has been modified with aftermarket
SUMMARY: Section 1076 of the Dodd-Frank Wall Street Reform and Consumer Protection Act
This document is scheduled to be published in the Federal Register on 07/02/2012 and available online at http://federalregister.gov/a/2012-16078, and on FDsys.gov Billing Code: 4810-AM-P BUREAU OF CONSUMER
CONSUMER FINANCIAL PROTECTION BUREAU THE BASICS
CONSUMER FINANCIAL PROTECTION BUREAU THE BASICS George K. Fogg March 5, 2012 CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) Created by Consumer Financial Protection Act of 2010 (Article X of Dodd-Frank)
The United States Federal Trade Commission ("FTC") and the Office of the Data Protection Commissioner of Ireland (collectively, "the Participants"),
MEMORANDUM OF UNDERSTANDING BETWEEN THE UNITED STATES FEDERAL TRADE COMMISSION AND THE OFFICE OF THE DATA PROTECTION COMMISSIONER OF IRELAND ON MUTUAL ASSISTANCE IN THE ENFORCEMENT OF LAWS PROTECTING PERSONAL
Importance: From: Anthem, Inc. Communications Sent: Thursday, February 26, 2015 4:40 PM Subject: Important message from Anthem, Inc.
Importance: High From: Anthem, Inc. Communications Sent: Thursday, February 26, 2015 4:40 PM Subject: Important message from Anthem, Inc. An important message from Anthem, Inc. To Members: On January 29,
What You Should Know About Your Credit Report
FACTS FOR National Consumer Law Center What You Should Know About Your Credit Report If you have ever applied for a credit card, a personal loan, insurance, or a job, there is probably a company keeping
How To Get A Student Loan Processed For Free
Case :-cv-0 Document Filed // Page of Page ID #: 0 ANTHONY ALEXIS, DC Bar # Email: [email protected] Phone: 0-- ORI LEV, DC Bar # Email: [email protected] Phone: 0-- FRANK KULBASKI, DC Bar # Email: