Welcome to Lawshelf’s video-course on consumer protection. In this course, we take an in-depth look at the multitudes of steps that have been taken to protect consumers from predatory practices of lenders, sellers and other participants in the marketplace. This is an intermediate-level course and some basic understanding of the world of law and regulation is recommended. There is also some overlap between this course and other courses on subjects to which these regulations apply, such as cyberlaw and mortgages.
Module 1 introduces consumer protection and discusses the seminal consumer protection law – the Truth in Lending Act. It also focuses on the Equal Credit Opportunity Act, which complemented the Civil Rights Acts by prohibiting discriminatory lending practices.
Module 2 focuses on credit and credit reports. It looks at the Fair Credit Reporting Act and its impacts on credit transactions. The module also analyzes the litany of responsibilities the law places on credit reporters and information furnishers (who are usually creditors, such as credit card companies).
Module 3 turns to identity theft. This burgeoning threat in an ever-more-connected world has been the subject of much regulation. The module surveys the myriads of state and federal regulations and resources that seek to protect victims and potential victims of identity theft.
Module 4 focuses on laws regulating false and deceptive advertising and marketing. It traces the history of these regulations and looks at cases and statutes that have defined the limits on commercial speech. The module ends with a discussion of regulation of telephone solicitations, which are heavily regulated even when not misleading.
Module 5 focuses on mandatory disclosures to credit card holders and mortgage borrowers. Disclosures are sometimes tedious and often difficult to understand, but their existence creates an air of transparency around the credit process. The module focuses on the Truth in Lending Act, the Real Estate Settlement Procedures Act and the Credit CARD Act, along with accompanying regulations.
When finished with the course, the viewer should have a comprehensive understanding of the framework that has been put in place to help protect consumers and many of the details of these rules and regulations.
Best of luck and we welcome your feedback.
What is a video-course?
A LawShelf video-course is an in-depth series of presentations on a discreet legal topic. LawShelf video-courses focus on practical legal information and applications and are each designed to familiarize the viewer with a legal topic quickly and efficiently.
Who should take a video-course?
Our video courses are designed for professionals such as attorneys, paralegals, corporate officers and financial professionals, as well as laypeople looking to deepen their knowledge of particular areas of law. The courses allow you to acquire the specific knowledge and skills that you need without the expense and time commitment of going “back to school” for a degree.
How do I learn?
Video courses are divided into 5 or 6 modules. Each module contains a video lesson (usually about 15 minutes long) and a series of self-test questions that you can use to practice and make sure that you understand the material.
How do I complete a video-course?
To complete a video-course, you must pass a 10-question multiple-choice examination by scoring 70% or higher. The questions on the exam are randomly selected from the self-test question sets for the various modules. You can retake an exam as many times as you need to, though you will not get the same questions each time since the questions are drawn from an exam bank.
How long will it take me to complete a video-course?
Between watching the modules, doing the self-test practice questions, reviewing the material and taking the final exam, we estimate that completing a video-course requires a time investment of 4-5 hours. The courses are designed to get straight to the point. We’re cognizant that your time is valuable, and we condense the information you need to know to comprehensively cover a subject into as little time as practical.
Is there limit to how many video-courses I can take or complete?
No. A LawShelf subscription enables you to access any and all LawShelf content, including all video-courses. You can take courses as quickly or slowly as your time allows.
Do I receive any recognition for completing a video-course?
Once you complete the course by passing the final exam, you will be awarded a digital badge to display as evidence of your training and accomplishment.
How will a digital badge help me?
Modern educational trends are moving away from traditional classroom-based course completion models and towards skills-based education. Employers today care more about skills than ever before. LawShelf digital badges conform to the Open Badge standard and are verifiable records of your skills that can easily be shared online.
How long do I retain access to the course materials?