Florida Consumer Law 2017 - Product Image

Florida Consumer Law 2017

  • ID: 4367923
  • Book
  • Region: United States
  • 443 Pages
  • ALM Media, LLC
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Florida is a rich jurisdiction to explore consumer protection law. Not only does the state have a robust travel and tourism industry—inclusive of amusement parks of worldwide appeal—but it also has a dedicated set of consumer protection laws such as the Florida Deceptive and Unfair Trade Practices Act (“FDUTPA”) that is patterned after federal consumer protection law and intensely litigated in state and federal courts around Florida. This book thus aims to assist readers of every background to navigate one of the nation’s most complex bodies of consumer law.

This book was conceived and designed chiefly to provide practitioners, consumers, businesses, and students of consumer protection law with an easy-to-navigate treatise detailing what Florida law is and how it has been interpreted and applied in a broad variety of commercial settings, from cemetery and funeral proprietors to debt collectors to automobile sales and repair shops to mortgage brokers. The statutes, regulations, and case law that comprise Florida consumer law in these and other areas of state trade and commerce is set out across more than 20 chapters.
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Chapter 1: Sources of Law and Power 
1-1 Introduction 
1-2 Federal Trade Commission (“FTC”) 
1-2:1 Florida’s “Little FTC” 
1-3 Department of Legal Affairs :
Florida Office of the Attorney General 
1-4 Florida Consumer Protection Division 
1-5 Florida Department of Agriculture
and Consumer Services 
1-5:1 Consumer Complaint Form 
1-6 Florida Office of Financial
Regulation 
1-7 Florida Bar 
1-8 Courts and Jurisdiction 
1-8:1 Small Claims Case 
1-8:2 Civil Case Cover Sheet 
1-8:3 Civil Case Cover Sheet Instructions 
Chapter 2: Consumer Laws—General Provisions 
2-1 Florida Anti-Tampering Act 
2-2 Consumer Report Security Freeze 
2-2:1 Requirements of Consumer Reporting
Agency 
2-2:2 Exceptions and Exclusions 
2-2:3 Written Disclosures Required 
2-2:4 Fees and Costs 
2-2:5 Remedies 
2-3 Credit Cards 
2-3:1 Service Station Credit Cards
and Franchise Agreements 
2-3:2 Credit Card Surcharge 
2-3:3 Restrictions on Information
Printed on Credit Card Receipts 
2-4 Health Studios 
2-4:1 Health Studio Contracts 
2-4:1.1 Change in Ownership 
2-4:1.2 Future Services Contracts 
2-4:2 Registration and Enforcement 
2-4:3 Bonding and Security Requirements 
2-4:4 Exemptions 
2-4:5 Remedies 
2-5 Home Solicitation 
2-5:1 Permitting 
2-5:1.1 Revocation, Suspension,
or Denial of Sale Permit 
2-5:2 Written Agreement 
2-5:3 Buyer’s Rights and Duties 
2-5:4 Exclusions 
2-5:5 Remedies 
2-6 Florida ’s Commercial Weight-Loss
Practices Act 
2-6:1 Weight-Loss Consumer Bill of Rights 
2-6:1.1 Disclosure Requirements 
2-6:1.2 Posting Requirements 
2-6:2 Restrictions 
2-6:2.1 Advertising Restrictions 
2-6:2.2 Protections for Persons Under 18 
2-6:3 Remedies 
2-7 Telephone Solicitation 
2-7:1 No Sales Solicitation Calls Listing
2-7:1.1 Prior or Existing Business
Relationship Exemption 
2-7:2 Contracts Made Via Telephone Sales Call 
2-7:3 Enforcement and Civil Penalties 
2-7:4 Attorney’s Fees 
2-8 Consumer Unit Pricing Act 
2-9 Bedding Label Act 
2-10 True Origin of Digital Goods Act 
2-11 Price Gouging 
2-11:1 Introduction 
2-11:1.1 Declaration of a State of Emergency 
2-11:1.2 Evidence of Price Gouging 
2-11:1.3 Exclusions 
2-11:1.4 No Private Cause of Action 
2-11:2 Application 
2-12 Service Contracts 
Chapter 3: Deceptive and Unfair Trade Practices 
3-1 INTRODUCTION 
3-2 Enforcement Authorities 
3-2:1 Cease and Desist Order 
3-3 Construction and Application 
3-4 Jurisdiction 
3-5 “Unfairness ” 
3-6 “Legitimate Business Enterprises” 
3-7 Deception 
3-8 “Consumer” 
3-9 “Trade or Commerce ” 
3-9:1 Debt Collection 
3-10 Class Certification 
3-11 Civil Penalties and Remedies 
3-12 Individual Remedies and Damages 
3-13 Exemptions 
Chapter 4: Attorney’s Fees—FDUTPA
4-1 501.2105 Attorney’s fees 
4-2 Overview 
4-3 Jurisdiction 
4-4 Applicability to “Consumer
Transactions ” 
4-5 Judicial Discretion and
the Requirement of a Judgment 
4-6 Class Actions 
4-7 “Prevailing Party ” under FDUTPA 
4-8 Computation and Proof of
Attorney’s Fees and Costs 
4-9 Appeal 
Chapter 5: Automobiles 
5-1 INTRODUCTION 
5-2 Aftermarket Crash Parts 
5-2:1 Purpose and Definitions 
5-2:2 Disclosure Requirements 
5-3 Motor Vehicle Warranty Enforcement
Act (“Lemon Law ”) 
5-3:1 Manufacturer Duties 
5-3:2 Nonconformity of Motor Vehicles 
5-3:3 Consumer Remedies and Dealer Liability 
5-4 Vehicles: Unfair or Deceptive Acts
or Practices 
5-4:1 Demand Letter 
5-4:2 Civil Litigation: Conditions 
5-4:3 Attorney’s Fees 
5-5 Florida Motor Vehicle Repair Act 
5-5:1 Written Repair Estimate and Disclosure Statement 
5-5:2 Changes to Repair Estimates
and Unlawful Charges 
5-5:3 Invoice Required 
5-5:4 Bond to Release Possessory Lien 
5-5:5 Exceptions 
5-5:6 Remedies 
5-6 Motor Vehicle Lease Disclosure Act 
5-7 Motor Vehicle Retail Sales Finance Act 
5-7:1 Licenses 
5-7:2 Requirements and Prohibitions as to Retail
Installment Contracts 
5-7:3 Finance Charge Limitation 
5-7:4 Simple-Interest Contracts 
5-7:5 Credit upon Anticipation of Payments 
5-7:6 Penalties 
5-7:7 Variable Rate Contracts and Mobile Homes
5-7:8 Termination of Retail Installment
Contract by a Service Member 
Chapter 6: Florida Telemarketing Act 
6-1 INTRODUCTION 
6-1:1 De Lage Landen Fin. Svcs., Inc. v. Cricket’s
Termite Control, Inc. example of illicit
telemarketing activities 
6-2 Licensing of Commercial
Telephone Sellers 
6-3 Required Disclosures
6-4 Contract Requirement 
6-5 Exclusions 
6-6 Remedies 
Chapter 7: Miscellaneous Provisions 
7-1 Antifreeze Act of 1978 
7-1:1 Registration 
7-1:2 Violations and Penalties 
7-2 Used Watches 
7-3 Copyright Owners and Performing
Rights Societies
7-4 Industrial Hygienists
7-5 Gift Certificates and Credit Memos
7-6 Print Advertisements 
7-7 Advertising : Veterans’ Organizations 
7-8 Internet Sales 
Chapter 8: Patent Troll Prevention Act 
8-1 INTRODUCTION 
8-2 Bad Faith Assertions of Patent
Infringement 
8-3 Bond Requirement 
8-4 Private Right of Action 
8-5 Exemptions 
Chapter 9: Florida Funeral, Cemetery, and Consumer Services Act 
9-1 INTRODUCTION 
9-2 Unlicensed Practice and Remedies 
9-3 Disclosure of Information to Public 
9-4 Punitive Damages 
9-5 Class Actions 
Chapter 10: Regulation of Trade, Commerce,
and Investments 
10-1 Fire and Going-Out-of-Business Sales 
10-2 Buying Services Act of 1991 
10-2:1 Membership Contracts 
10-2:2 Membership Cancellation 
10-2:3 Required Disclosures and Prohibited Acts 
10-3 Florida Commercial Collection
Practices Act 
10-3:1 Registration and Exemptions 
10-3:2 Remedies 
10-4 Florida Consumer Collection
Practices Act 
10-4:1 Debt 
10-4:2 Debt Collector 
10-4:3 Attorney’s Fees 
10-4:4 Registration 
10-4:5 Prohibited Practices 
10-4:6 Consumer Complaints 
10-4:7 Class Actions 
10-4:8 Remedies and Penalties 
10-5 Sale of Business Opportunities Act 
10-5:1 Contract and Disclosure Requirement 
10-5:2 Prohibited Acts 
10-5:3 Remedies and Enforcement 
Chapter 11: Household Moving Services 
11-1 INTRODUCTION 
11-2 Registration 
11-3 Estimates 
11-4 Delivery and Storage 
11-6 Remedies 
Chapter 12: Lodging and Food Service Establishments 
12-1 INTRODUCTIOn 
12-2 Public Lodging Establishment 
12-3 Food Service Establishment 
12-4 Duties of Operators and Liability
for Guest Property 
12-5 Refusing Accommodations 
12-6 Telephone Surcharges 
12-7 Automatic Gratuity 
12-8 Misrepresenting Food or Food Product
Chapter 13: Milk, Milk Products, and Frozen Desserts 
13-1 INTRODUCTION 
13-2 Labeling of Shelf Life 
13-3 Sale of Milk and Milk Products 
13-4 Future Dairy Farms and Milk
and Fro zen Dessert Plants 
13-5 Imitation and Substitute Milk
and Milk Products 
13-6 Prohibited Acts 
13-7 Penalties and Injunction
Chapter 14: Produce Labeling Act of 1979 
14-1 INTRODUCTION 
14-2 Penalties 
14-3 Produce Labeling Act of 1979 
Chapter 15: Florida Membership Campground Act 
15-1 INTRODUCTION 
15-1:1 Right to Cancel
15-1:2 Required Disclosures 
15-2 Trust accounts 
15-3 Lawful Advertising and Disclosures 
15-4 Prize and Gift Promotional Offers 
15-5 Purchasers ’ Remedies 
Chapter 16: Retail Installment Sales 
16-1 The Retail Installment Sales Act 
16-1:1 Retail Installment Contracts 
16-1:2 Simple-Interest Contracts 
16-1:3 Revolving Accounts 
16-1:4 Mail Order and Telephone Sales 
16-1:5 Delinquency Charges, Attorney’s Fees
and Court Costs 
16-1:6 Penalties 
16-2 The Installment Sales Finance Act 
16-3 Home Improvement Sales and Finance 
16-3:1 Contract: Content and Prohibitions 
16-3:2 Finance Charge Limitation 
16-3:3 Simple-Interest Contracts 
16-3:4 Unauthorized Charges 
16-3:5 Mortgages and Promissory Notes
16-3:6 Completion Certificate 
16-3:7 Statement of Account 
16-3:8 Cancellation of Contract on Payment in Full 
16-3:9 Credit to Owner on Prepayment 
16-3:10 Delinquency and Collection Charges;
Courts Costs and Attorney’s Fees 
16-3:11 Extension or Deferment 
16-3:12 Receipt for Cash Payment
and Payment to Assignor 
16-3:13 Assignments of Contracts or Notes 
16-3:14 Prohibited Acts 
16-3:15 Uttering a False Completion Certificate 
16-3:16 Compensation of Other Licensees 
16-3:17 Penalties 
Chapter 17: Rental-Purchase Agreement Act 
17-1 INTRODUCTION 
17-2 Receipts 
17-3 Reinstatement 
17-4 Prohibitions : Rental -Purchase Agreement 
17-5 Damages , Limitations and Waiver 
Chapter 18: Consumer Finance Act 
18-1 INTRODUCTION 
18-2 Finance Charges and Maximum Rates 
18-2:1 Interest 
18-2:2 Unpaid Interest upon Refinancing or Default 
18-2:3 Annual Percentage Rate Under Federal
Truth in lending Act 
18-2:4 Other Charges 
18-2:5 Dividend Loans 
18-2:6 Unpaid Interest on Refinancing 
18-2:7 Rate of Interest Upon Default 
18-3 Duties and Restrictions of Licensee 
18-4 Restriction of Borrower ’s Indebtedness 
18-5 Consumer Protection and
Credit Counseling 
18-5:1 Restriction on Certain Negotiable Instruments
and installment Contracts 
18-5:2 Limitation on Deficiency Claims 
18-5:3 Cross Collateral 
Chapter 19: Title Loans 
19-1 INTRODUCTION 
19-2 Licensure 
19-3 Title Loan Agreement 
19-4 Title Loan Charges 
19-5 Prohibited Acts 
Chapter 20: Amusement Facilities 
20-1 Amusement Ride and Attraction
Insurance Act 
20-2 Licenses, Permits and Certificates 
20-3 Exemptions 
20-4 Amusement Games or Machines 
20-4:1 Type A 
20-4:2 Type B 
20-4:3 Type C 
Chapter 21: Sellers of Travel 
21-1 INTRODUCTION 
21-2 Certification of Business Activities 
21-3 Security Requirements 
21-4 Vacation Certification Documents:
Submission, Record keeping,
Cancellations and Refund Procedures 
21-5 Violations 
21-6 Exemptions 
21-7 Remedies 
21-8 Preemption 
Table of Cases 
Index
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Timothy M. Ravich is an Assistant Professor at the University of Central Florida, Department of Legal Studies, College of Health and Public Affairs and Professor Ravich is a veteran of Chicago-based McDermott, Will & Emery, prosecuting and defending a variety of commercial litigation and tort defense matters on behalf of individuals, Fortune 500 corporations, and municipalities.
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