A furniture store advertises a $199 sofa it never intends to sell, then pressures shoppers to buy a costlier model. Which federal agency handles this deceptive advertising?

A payday lender hides mandatory fees until after borrowers have applied, making the loans cost far more than advertised. Which agency focuses on protecting consumers in financial-product markets?

Drivers report that the brakes on a new car model can fail without warning. Which federal agency has authority over motor-vehicle safety defects and recalls?

A packaged cereal's label omits an ingredient that can cause a serious allergic reaction. Which federal agency generally regulates food labeling for this product?

An investor learns that a company lied to its shareholders about its earnings to push up its stock price. Which federal agency enforces the laws against this kind of fraud?

A customer's bank fails, and she wants to know which federal agency protects her savings account balance up to the legal limit. Which agency is responsible?

Before Maya signs a car-loan agreement, the lender must disclose the annual percentage rate and finance charge. Which law requires these credit-cost disclosures?

A lender rejects two equally qualified applicants but tells one applicant that it does not make loans to people of her national origin. Which law prohibits this credit discrimination?

Sam's dentist hires an outside agency to recover an overdue bill. The agency keeps phoning Sam at work after being told his employer does not allow personal calls. Which law limits this behavior?

An employer plans to reject a job applicant based on a background check bought from an outside screening company. Before acting, which law requires the employer to give the applicant certain notices?

Which federal law gives a credit-card holder a procedure for disputing a wrong charge on a statement, such as a charge for goods that were never delivered?

Which federal law sets rules for a maker's written promise to repair or replace a faulty consumer product, including when that promise may be labeled “full” or “limited”?

After receiving a written request from a consumer to stop contact about a debt, what must a debt collector generally do under the Fair Debt Collection Practices Act?

Noah finds a credit-card account that is not his on his credit report and disputes it with the reporting agency. What must the agency generally do next?

A cardholder sends a timely written notice disputing a qualifying billing error. Under the Fair Credit Billing Act, what must the creditor do within 30 days?

A homeowner refinances her primary residence with a new lender and receives the required disclosures. Under the Truth in Lending Act, what right generally lasts until midnight of the third business day?

Ava buys a used car whose Buyers Guide is marked “AS IS - NO DEALER WARRANTY.” Two weeks later, the transmission fails. Who generally pays for the repair?

A mortgage applicant receives a Loan Estimate showing projected payments, estimated closing costs, and loan terms. What is the main consumer purpose of this required disclosure?

A credit-card application includes a Schumer box. What information does this standardized table summarize?

At account opening, a bank gives a privacy notice explaining information sharing and ways to limit certain sharing. Which law requires this notice?