40 CFR 51.368 - Public information and consumer protection.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 2 2010-07-01 2010-07-01 false Public information and consumer.../Maintenance Program Requirements § 51.368 Public information and consumer protection. (a) Public awareness... the test that were failed. (b) Consumer protection. The oversight agency shall institute procedures...

Protection for the Consumer; Business Education: 6463.07.

Science.gov (United States)

Finora, Daniel

This course is designed to acquaint the student with the functions, criticisms, costs, and consumer analysis of advertising; Federal and State regulations of industry operation and advertising; Federal, State, and city agencies for consumer protection; private and business-sponsored organizations for consumer protection; and rights and…

Electronic Contracts and the Personal data Protection of the Consumer: Sources Dialogue Between the Consumer Protection Code and the Internet Civil Mark.

Directory of Open Access Journals (Sweden)

Rosane Leal Da Silva

2016-10-01

Full Text Available This paper analyzes the personal data protection of the consumer and your vulnerability in interactive electronic contracts, aiming to point means of defense. For this, uses the deductive approach and starts of the electronic contracting to discuss the legal protection of the consumer in light of the capturing and processing of personal data by the furnisher. Considering the absence of law about personal data, concludes that electronic contracting expands the consumer vulnerability, which requires the principles application of the Consumer Protection Code, adding the Internet Civil Mark in relation to the privacy protection.

Consumer Protection Strategies: A Literature Review and Synthesis. Improving the Consumer Protection Function in Postsecondary Education.

Science.gov (United States)

Helliwell, Carolyn B.; Jung, Steven M.

Summarized are the findings of an American Institutes for Research (AIR) project to field test a data capture and dissemination system that would provide information for improving consumer protection in postsecondary education. Presented is a discussion of the methodology used, examples of consumer abuses cited in the literature, an analysis of…

Counseling Directory and Consumer's Guide: Implementing Professional Disclosure and Consumer Protection.

Science.gov (United States)

Swanson, John L.

1979-01-01

The publication of a "counseling directory" and "consumer's guide" is a new approach that can be used to respond to the current professional issues of professional disclosure and consumer protection. Reviews the purposes, format, and content of both the directory and guide. (Author)

77 FR 32901 - State Enforcement of Household Goods Consumer Protection

Science.gov (United States)

2012-06-04

... enforce certain consumer protection provisions of Title 49 of the United States Code (U.S.C.) and related... bring civil actions in the U.S. district courts to enforce the consumer protection provisions that apply..., 386, and 387 State Enforcement of Household Goods Consumer Protection AGENCY: Federal Motor Carrier...

A Consumer Protection Model for Regulating Lawyers.

Science.gov (United States)

Chalfie, Deborah M.

1992-01-01

Describes and critiques the "discipline model" of lawyer regulation from a consumer point of view and outlines an alternative model for regulating lawyers that is grounded in consumer protection principles. (JOW)

The DCFR and consumer protection: an economic assessment

NARCIS (Netherlands)

Luth, H.A.; Cseres, K.; Larouche, P.; Chirico, F.

2010-01-01

This paper will discuss consumer protection in the DCFR. It will screen the DCFR and its model of consumer protection through the lens of economic analysis. The assessment will examine the general role of mandatory rules, which justification grounds they are based on and how this general model is

Free medical care and consumer protection.

Science.gov (United States)

Agrawal, Aniket Deepak; Banerjee, Arunabha

2011-01-01

This paper will examine the question of whether patients, who receive free medical care, whether from private charitable or governmental hospitals, can claim rights as 'consumers' under the Consumer Protection Act, 1986. The issue will be discussed from a constitutional perspective as well as that of the law of torts.

Relating Economic Ideology to Consumer Protection: A Suggested Unit in Consumer Education

Science.gov (United States)

Herrmann, Robert O.

1977-01-01

Describes a suggested unit in consumer education designed to give students insight into the controversy about consumer protection policy and proposals, and compares the basic views of three economic belief systems: neoclassical, managerial, and liberal-Galbraithian. (MF)

Accreditation and Student Consumer Protection. An Occasional Paper.

Science.gov (United States)

Jung, Steven M.

The role of postsecondary accreditation and its relation to student consumer protection are discussed in this monograph. The importance of this concept is examined in light of increased marketing efforts on the part of higher education institutions. It is emphasized that students are consumers and their rights should be protected. Possible areas…

The Consumer Protection Bill, 2015: (Lack of) Rights of the Consumer to Terminate Sale Contract

OpenAIRE

Pathak, Akhileshwar

2015-01-01

Consumer protection law rests on the foundations of contract law and the law of sale of goods. A consumer law has to conceptually express this foundation and the modifications it is bringing about in these laws. Without this, the law would become unclear, conflicting and confusing. The Consumer Protection Bill, 2015 is not secured in its foundation and needs revision. The paper reviews the rights of the consumer to terminate the contract and makes suggestions for revision. The suggestions, wi...

Consumer Protection in the Electronic Market Place

DEFF Research Database (Denmark)

Falch, Morten; Henten, Anders

1999-01-01

This paper identifies the most important areas for regulation of consumer protection in relation to electronic commerce, such as marketing, contractual issues and privacy. Furthermore, different approaches for regulation of these issues in a global market is discussed......This paper identifies the most important areas for regulation of consumer protection in relation to electronic commerce, such as marketing, contractual issues and privacy. Furthermore, different approaches for regulation of these issues in a global market is discussed...

Consumer Protection and Behavioral Economics: To BE or Not to BE?

OpenAIRE

Howard Beales

2008-01-01

The foundation of consumer protection policy is respect for consumer choice. Modern consumer protection recognizes the need to preserve information markets and to carefully structure interventions to ensure compatibility with how consumers actually process information.

The Michigan Consumer Protection Act of 1976. Consumer Education Training Module.

Science.gov (United States)

Monsma, Charles

This guide for secondary teachers is designed to identify and illustrate specified illegal practices identified in the Michigan Consumer Protection Act of 1976. The guide also explains procedures that a consumer or law-enforcement agency can take to enforce the provisions of this law. Since the act is a broad one, students learn not only about…

The Consumer Financial Protection Bureau and the Quest for Consumer Comprehension

Directory of Open Access Journals (Sweden)

Lauren E. Willis

2017-01-01

Full Text Available To ensure that consumers understand financial products’ “costs, benefits, and risks,” the Consumer Financial Protection Bureau has been redesigning mandated disclosures, primarily through iterative lab testing. But no matter how well these disclosures perform in experiments, firms will run circles around the disclosures when studies end and marketing begins. To meet the challenge of the dynamic twenty-first-century consumer financial marketplace, the bureau should require firms to demonstrate that a good proportion of their customers understand key pertinent facts about the financial products they buy. Comprehension rules would induce firms to inform consumers and simplify products, tasks that firms are better equipped than the bureau to perform.

Consumers` Attitude towards Consumer Protection in the Digital Single Market, as Reflected by European Barometers

Directory of Open Access Journals (Sweden)

Doru Alexandru Pleşea

2014-05-01

Full Text Available The European Single Market is an ongoing project that will continue to further develop and adapt to changing realities. Traditional economic activities, and the administrative rules governing them, face the challenge of adapting to developments that blur the dividing lines, for example, between shop and online sales or between traditional media and Internet communication. Convergence of this type will lead to a European Digital Single Market. A genuine Digital Single Market would generate new types of growth and also sustainable economic and social benefits for all European citizens. There are still a number of barriers which impose obstacles for the development of the digital market in Europe. Obstacles which can be identified include national differences regarding data protection rules, e-commerce rules, consumer protection rules and other legislation pertaining to information flows. The paper brings in discussion the advantages of a Digital Single Market, the obstacles in developing it in connection with e-commerce regulations, consumer protection and information flows legislation and also the premises for implementing a Digital Single Market. Consumers’ trust in on-line commerce results as one of the driving factors in implementing a Digital Single Market. These are some of the main obstacles for the boosting consumers’ confidence in the European Single Market. Improving consumer confidence in cross-border shopping online by taking appropriate policy action could provide a major boost to economic growth in Europe. Empowered and confident consumers can drive forward the European economy. Starting from the results of the Flash Euro-barometer survey „Consumer attitudes towards cross-border trade and consumer protection this study analyzes consumer`s readiness for the European Digital Single Market

Students as Consumers: The Implications of the Consumer Protection Act for Higher Education Institutions in South Africa

Science.gov (United States)

Reddy, K.

2012-01-01

The Consumer Protection Act (CPA) lays the basis for the protection of consumer rights in South Africa and comprehensively sets out obligations for "suppliers". There have been differing views expressed as to whether a student should be seen as a consumer. It is clear, however, that this Act applies to HEIs. This article, firstly,…

75 FR 29386 - Consumer Protections for Depository Institution Sales of Insurance

Science.gov (United States)

2010-05-25

... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Consumer Protections for Depository...: Consumer Protection for Depository Institution Sales of Insurance. OMB Number: 1550-0106. Regulation..., Federal Deposit Insurance Corporation, and Office of Thrift Supervision to prescribe joint consumer...

Arbitrability limitation in consumer (B2C disputes? : Consumers´ protection as legal and economic phenomenon

Directory of Open Access Journals (Sweden)

Alexander J. Bělohlávek

2012-10-01

Full Text Available Protection of consumers became a phenomenon of many governmental politics. Retrieval of a balance between privat autonomy and protection of a weaker party is very sensitive. The particular degree of consumers protection through limitation of contractual autonomy (in B2C contracts as well as procedural autonomy (regarding B2C dispute resolution mechanisms, as chosen by particular governments, has both legal and economic effects, in positive and negative sense. The European Court of Human Rights adjudicated repeatedly that traditional court litigation is not capable to grant effective protection to contractual claims in many countries. Arbitration is therefore one of possible tools for B2C dispute resolution, even if many countries and obviously the EU Commission followe rather an opposite strategy (keeping down arbitrability of B2C disputes in the opposite to US trends. Arbitration is not a cure-all and definitely not a method suitable for the resolution of any and all types of disputes. It has its proponents as well as opponents. Indeed, it is hard to claim that a particular type (class of disputes is a priori fit to be resolved in arbitration, rather than litigation, or vice versa. This also applies to consumer disputes (disputes from consumer contracts. It is fairly undisputable that consumers deserve a certain degree of specific protection in cases in which they are forced to enter into a particular contract and have no other option than to accept the conditions stipulated by the other party (the professional. But we cannot principally claim that the resolution of these disputes in court would be more suitable than arbitration or any other, the so-called alternative, dispute resolution method (ADR. Despite the basically undisputed importance of and the need for special consumer protection (whether provided by special laws, typically in Europe, or on the basis of general legal principles and the application of general contract law, like in the

The role of regulatory council in the energy sector from the aspect of consumers' protection

International Nuclear Information System (INIS)

Banovac, E.; Pavlovic, D.; Boljesic, K.

2003-01-01

The consumers' protection legal base, with few factors of new legislative consumers' protection legislation in European Union, in the Law on Consumers' Protection, and in the set of the Croatian Energy Laws is shown in this paper. Special attention in this paper is paid on five factors of regulatory body's orientation to the consumers' protection field, which energy regulatory body's policy should be included. The model of consumers' protection in the energy sector is shown, with the scheme of Three-component interactive subsystems: basic legislation which is determined consumers' protection policy, planning activities for consumers' protection (short and long time plans), and performing activities for consumers' protection. Furthermore, the approach of consumers' protection in the energy sectors in European Union are described. The paper gives the model of consumers' protection in the Croatian energy sector, and Croatian Energy Regulatory Council' approach to this issue. The table, with the data of specific consumers' protection problems in practice, those the Croatian Energy Regulatory Council as a regulatory body have been settled, is shown.(author)

77 FR 66935 - Telephone Consumer Protection Act of 1991

Science.gov (United States)

2012-11-08

... FEDERAL COMMUNICATIONS COMMISSION 47 CFR Part 64 [CG Docket No. 02-278; FCC 12-21] Telephone Consumer Protection Act of 1991 AGENCY: Federal Communications Commission. ACTION: Final rule; correction...: Karen Johnson, Consumer and Governmental Affairs Bureau, Consumer Policy Division, at (202) 418- 7706 or...

Consumer protection on the drinking water market

OpenAIRE

Kosová, Martina

2009-01-01

The goal of Bachelor thesis is marketing research on consumer preferences and knowledge in the field of drinking water and also analyze and compare the price of tap water and bottled water. The theoretical part describes how the consumer market with drinking water is protected in the Czech Republic. They compared the advantages and disadvantages of both types of drinking water.

Fundamental Consumer Rights Under the Consumer Protection Act 68 of 2008: A Critical Overview and Analysis

Directory of Open Access Journals (Sweden)

R van Niekerk

2010-12-01

Full Text Available South Africa was in need of a comprehensive framework of legislation, policies and government authorities to regulate consumer-supplier interaction. The Consumer Protection Act 68 of 2008, which was signed by the President of the Republic of South Africa on 29 April 2009 and published in the Government Gazette on 29 April 2009, now provides an extensive framework for consumer protection and aims to develop, enhance and protect the rights of consumers and to eliminate unethical suppliers and improper business practices. Certain areas of the common law regarding consumer rights have been codified by the Act and certain unfair business practices that were previously unregulated are now governed by the Act. The Act has a wide field of application. It applies to every transaction occurring within South Africa for the supply of goods or services or the promotion of goods or services and the goods or services themselves, unless the transaction is exempted from the application of the Act. The Act also specifically regulates aspects of franchise agreements. In terms of the Act, consumers obtain several new rights and some existing rights are broadened and reinforced. These rights are: the right to equality in the consumer market; privacy; choice; disclosure and information; fair and responsible marketing; fair and honest dealing; fair, just and reasonable terms and conditions; and fair value, good quality and safety. The last right in terms of the Act deals with a supplier's accountability to consumers. The authors critically analyse and discuss these rights. It is clear that the Act is written in favour of the consumer.

77 FR 41699 - Transportation of Household Goods in Interstate Commerce; Consumer Protection Regulations...

Science.gov (United States)

2012-07-16

... regulations to require HHG brokers to comply with certain consumer protection requirements. As a part of that... that rule, if an individual shipper elects to waive physical receipt of the consumer protection... receipts documenting an individual shipper's waiver of physical receipt of the consumer protection...

12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Science.gov (United States)

2010-01-01

... housing loans-consumer protection provisions. 590.4 Section 590.4 Banks and Banking OFFICE OF THRIFT... manufactured housing loans—consumer protection provisions. (a) Definitions. As used in this section: (1... protection to consumers. Such determinations shall be published in the Federal Register and shall operate...

Consumer protection act for digital products

Science.gov (United States)

Hampel, Viktor E.

1996-03-01

This report proposes a `Consumer Protection Act for Digital Products' to support electronic commerce and to control the increasing abuse and lack of security on the national information highways. Patterned after the `Food and Drug Act of 1906 (21 USC)' and subsequent legislation, a new agency similar to that of the FDA would have the authority `to develop administrative policy with regard to the safety, effectiveness, and labeling of digital products and their communications for human use, and to review and evaluate new applications of such products.' Specifically, it is proposed that standards, originally developed by the defense industry for the labeling, enveloping, and authentication of digital products delivered to the Government, be extended to promote global electronic commerce by protecting the intellectual property rights of producers, establishing their liability for the end-use of digital products, and give consumers means for informed decision making and purchase.

The Development of Consumer Protection Policies in Malaysia

Directory of Open Access Journals (Sweden)

Mohamad Fazli Sabri

2014-06-01

Full Text Available The Malaysian government envisions Malaysia as an inclusive and sustainable high-income nation by 2020. The definition of “high income” is per capita income of USD15, 000 or MYR48, 000, based on the World Bank’s current definition of “high income”. The objective is not merely a quantitative target; it is also about Malaysia being an advanced and developed nation with an economy having the characteristics of developed nations. Advancements in information and communication technology (ICT and globalization have resulted in the evolution of a more complex and challenging marketplace. As today’s consumers are constantly faced with a bewildering array of goods and services in the market, consumers must be equipped with an elevated level of consumerism knowledge and skills. Malaysian consumers thus need to be kept in touch with developments in the market, enabling them to act and decide effectively, to ensure that they develop as more empowered, savvy and resilient consumers now and after Malaysia transforms into a developed nation. However, without the government’s intervention to protect consumers through adequate legislations and enforcement, the aim of creating “empowered consumers” will not be realized. This paper aims to discuss the development of consumer protection policies in Malaysia.

Consumer Protection in Postsecondary Education: A National Invitational Conference. Program Handbook.

Science.gov (United States)

Albanese, Frank N.; And Others

Twelve preconference papers and background articles that identify issues in consumer protection in postsecondary education are presented. The papers and articles include "Recruitment Practices of Postsecondary Schools" (Frank N. Albanese); "The Role of a State Agency in Consumer Protection" (Philip F. Ashler); "The Three R's of Postsecondary…

77 FR 63240 - Telephone Consumer Protection Act of 1991

Science.gov (United States)

2012-10-16

... organizations, companies with whom consumers have an established business relationship, and calls to persons... Consumer Protection Act of 1991 AGENCY: Federal Communications Commission. ACTION: Final rule; announcement of effective date. SUMMARY: In this document, the Commission announces that the Office of Management...

Adding A2K Principles to the UN Guidelines for Consumer Protection

International Development Research Centre (IDRC) Digital Library (Canada)

Adding A2K Principles to the UN Guidelines for Consumer Protection ... of standards for good practices in consumer protection, particularly for developing countries. ... IWRA/IDRC webinar on climate change and adaptive water management.

3 CFR 8347 - Proclamation 8347 of February 27, 2009. National Consumer Protection Week, 2009

Science.gov (United States)

2010-01-01

... Protection Week, “Nuts & Bolts: Tools for Today’s Economy,” focuses on the basic information consumers need... Consumer Protection Week, 2009 8347 Proclamation 8347 Presidential Documents Proclamations Proclamation 8347 of February 27, 2009 Proc. 8347 National Consumer Protection Week, 2009By the President of the...

77 FR 51706 - Transportation of Household Goods in Interstate Commerce; Consumer Protection Regulations...

Science.gov (United States)

2012-08-27

... waiver of receipt of printed copies of consumer protection materials. The direct final rule harmonized... receipt of the consumer protection publications ``Your Rights and Responsibilities When You Move,'' and... No. FMCSA-2011-0313] RIN 2126-AB41 Transportation of Household Goods in Interstate Commerce; Consumer...

77 FR 36932 - Transportation of Household Goods in Interstate Commerce; Consumer Protection Regulations

Science.gov (United States)

2012-06-20

... use of energy. List of Subjects in 49 CFR Part 375 Advertising, Arbitration, Consumer protection...--TRANSPORTATION OF HOUSEHOLD GOODS IN INTERSTATE COMMERCE; CONSUMER PROTECTION REGULATIONS 0 1. The authority... No. FMCSA-2012-0119] RIN 2126-AB52 Transportation of Household Goods in Interstate Commerce; Consumer...

In the Name of Effective Consumer Protection and Public Policy!

DEFF Research Database (Denmark)

Sørensen, Marie Jull

2016-01-01

I. The CJEU has established that under certain circumstances national courts have an obligation, ex officio, to apply specific consumer protection provisions. This article presents a model derived from the argumentation for this obligation in CJEU case law. The model consists of four steps...... that include the specific ideas behind consumer protection provisions as well as the interaction between the principle of effectiveness and principle of equivalence. It is found that the principle of effectiveness is stretched very long and is often not set aside by the “rule of reason”. It is also found...... that the CJEU is open to the idea of regarding consumer protection provisions as (EU) public policy rules which seems to challenge the traditional principle of equivalence. Based on the findings, the author elaborates on the concept of an European public policy doctrine....

78 FR 26101 - Advisory Committee for Aviation Consumer Protection

Science.gov (United States)

2013-05-03

.... Attendance is open to the public up to the room's capacity; however, since access to the FAA headquarters...) 894-6529, Centra Technology, Inc., [email protected] . For other information please contact... and enforcement initiatives affecting consumer protection in air travel. The meeting will also address...

The Role of Accreditation in Consumer Protection.

Science.gov (United States)

Warner, W. Keith; Andersen, Kay J.

1982-01-01

Upper-level college administrators in the Western accreditation region were surveyed about how well the Western Association of Schools and Colleges (WASC) served its constituency. Questions concerned consumer protection as an objective of accreditation, emphasis on disseminating information about the accreditation process, and potential policy…

14 CFR 374.3 - Compliance with the Consumer Credit Protection Act and regulations.

Science.gov (United States)

2010-01-01

... requirements of the Consumer Credit Protection Act, 15 U.S.C. 1601-1693r. Any violation of the following... PROTECTION ACT WITH RESPECT TO AIR CARRIERS AND FOREIGN AIR CARRIERS § 374.3 Compliance with the Consumer... 14 Aeronautics and Space 4 2010-01-01 2010-01-01 false Compliance with the Consumer Credit...

PROTECTION OF ENERGY CONSUMERS IN THE ECONOMIES OF EUROPEAN COUNTRIES

Directory of Open Access Journals (Sweden)

Mihaela ȘTEȚ

2013-10-01

Full Text Available The paper realizes an analyze of the position of the energy consumers and presents some ways of influencing the behaviour of the energy consumers. The paper dealt also with the issue of the protection of domestic electricity and gas consumer which aims, in particular, its rights to receive energy at any time, in safe conditions and at affordable prices.

LEGAL PROTECTION FOR CONSUMER OF UNLICENCED VAPOR FROM DRUG AND FOOD SUPERVISORY AGENCY

Directory of Open Access Journals (Sweden)

Dedhi Bima Samudra

2018-04-01

Full Text Available Abstract This research begins with the number of liquid vapor that is not licensed BPOM spread in Indonesia, and there is no clear law for liquid vapor, so there is no clarity from legal protection against liquid vapor consumers who are not licensed from  BPOM. Therefore, in this research, there is the formulation of the problem as follows: Is there a legal protection against liquid vapor consumers who are not licensed from BPOM?. The purpose of this research to determine whether there is legal protection against liquid vapor consumers who are not licensed BPOM. So this research can be useful for subsequent research that has the same theme and beneficial to researchers, liquid vapor consumers and also for the government. The research method used is the normative method. Normative research methods using statute approach. The result of the research shows that there is legal protection for liquid vapor consumer who is not licensed by BPOM, which is reviewed from the Law of the Republic of Indonesia Number 36 Year on concerning the health of Article 113 paragraph (1 and Article 114, Law of the Republic of Indonesia Number 8 Year 1999 on Consumer protection Article 8 paragraph (1 c and paragraph (1 i, Regulation of the Head of the Food and Drug Supervisory Agency of the Republic of Indonesia Number 4 Year 2017 on the Supervision of the Importation of Drugs into the Territory of Indonesia Article 4 paragraph (1. Keywords: Legal Protection, Consumer, Liquid-Vapor

Can regulatory agencies protect consumers. Stigler-Cohen debate revisited

Energy Technology Data Exchange (ETDEWEB)

Feingold, A.

1983-01-01

Stigler-Cohen debate, organized by the American Enterprise Institute, took place twelve years ago. Since then, the movement now known as consumerism has rapidly grown and its impact on public opinion and on political decision makers is of greatest importance to business - it cannot be simply wished away, it must be dealt with rationally and effectively. The paper recognizes the changed reality of the marketplace resulting in growing consumer impotence and a very real need for protection going beyond the general rules governing commercial transactions. At the same time, the author points out that regulation is not costless, that the cure is often worse than the disease. Public policy must be assessed in the light of its overall effects, it must not be based simply on a response to a single-minded call for redress however loudly articulated. There is a great inconsistency in piecemeal attempts at protecting the consumer from himself, while government-supplied goods and services, and government-controlled monopoly pricing afford little consumer protection. Finally, the paper reminds us that freedom itself is our most valuable possession and must not be thoughtlessly traded for perceived temporary advantages.

The protection of a consumer during the providing of banking services in the Czech Republic

OpenAIRE

Haasová, Eva

2010-01-01

The Bachelor's thesis describes and analyses the protection of a bank client. In the beginning I discuss the necessity of the institution of consumer's protection define the basic terms and describe the structure of the system of consumer's protection. Then, I depict the basic elements of the consumer's protection, the requirements to banks, the duty to provide information, the protection of personal data, the bank secret and the deposit insurance. After these I concentrate on the analysis of...

INTERNATIONAL PRACTICE OF INSURANCE SERVICES CONSUMER PROTECTION

Directory of Open Access Journals (Sweden)

Irina P. Khominitch

2014-01-01

Full Text Available The article considers the current compensationand guarantee mechanisms of policyholders’protection in the context of reforms inregulation and supervision of insurancecompanies. Models and fi nancing sourcesof insurance services consumer protectionfunds, their features in different countries as well as order and size of compensationpayments are identified in this article.

77 FR 48460 - Transportation of Household Goods in Interstate Commerce; Consumer Protection Regulations

Science.gov (United States)

2012-08-14

..., direct final rule concerning household goods consumer protection. The direct final rule amended the... No. FMCSA-2012-0119] RIN 2126-AB52 Transportation of Household Goods in Interstate Commerce; Consumer Protection Regulations AGENCY: Federal Motor Carrier Safety Administration (FMCSA), DOT. ACTION: Direct final...

Financial consumer protection and customer satisfaction. A relationship study by using factor analysis and discriminant analysis

Directory of Open Access Journals (Sweden)

Marimuthu SELVAKUMAR

2015-11-01

Full Text Available This paper tries to make an attempt to study the relationship between the financial consumer protection and customer satisfaction by using factor analysis and discriminant analysis. The main objectives of the study are to analyze the financial consumer protection in commercial banks, to examine the customer satisfaction of commercial banks and to identify the factors of financial consumer protection lead customer satisfaction. There are many research work carried out on financial consumer protection in financial literacy, but the identification of factors which lead the financial consumer protection and the relationship between financial consumer protection and the customer satisfaction is very important, Particularly for banks to improve its quality and increase the customer satisfaction. Therefore this study is carried out with the aim of identifying the factors of financial consumer protection and its influence on customer satisfaction. This study is both descriptive and analytical in nature. It covers both primary and secondary data. The primary data has been collected from the customers of commercial banks using pre-tested interview schedule and the secondary data has been collected from standard books, journals, magazines, websites and so on.

Awareness of Consumer Protection Act among dental health professionals in dental schools of Ghaziabad, India.

Science.gov (United States)

Prasad, Sumanth; Menon, Ipseeta; Dhingra, Chandan; Anand, Richa

2013-12-01

The study aimed to assess the awareness of the Consumer Protection Act among dental health professionals in dental schools of Ghaziabad, India. A cross-sectional questionnaire survey was carried out on dental health professionals in dental schools of Ghaziabad, India. A total of 348 dental health professionals (170 males and 178 females) were surveyed, out of which 116 were MDS faculty, 45 were BDS faculty and 187 were pursuing post graduation. The questionnaire comprised of 24 questions about the awareness of consumer protection act. Statistical analysis was done using Chi-square test, student's t test and ANOVA. A total of 84.8% (n=295) reported to be aware of consumer protection act. Amongst them, MDS faculty showed more awareness as compared to BDS faculty and those pursuing post-graduation. Considering the present scenario, MDS faculty dental professionals have more awareness of consumer protection act compared to other dental professionals. So, we must upgrade our knowledge on consumer protection act at all levels of our profession and change our attitude by inculcating a practice to spread the message of consumer protection act for delivering quality dental care.

The impact of the Consumer Protection Act on pharmacists.

Science.gov (United States)

du Toit, K; van Eeden, E

2014-11-01

The Consumer Protection Act of 2008 has had far-reaching consequences for suppliers of goods and services in South Africa. The implementation of the Act has important implications for all suppliers who enter into 'consumer transactions.' This article aims to stimulate awareness of the legal consequences of the Act arising from day-to-day situations occurring in the pharmacy, and to highlight the compliance obligations that the Act creates for pharmacists.

76 FR 12817 - National Consumer Protection Week, 2011

Science.gov (United States)

2011-03-09

..., from buying a home or car to paying off a loan or using a credit card. Consumer education is vital to... Week has encouraged Americans to make better-informed decisions about saving, buying, borrowing, and... information, families can both strengthen the economy and protect themselves from fraudulent behavior. For...

EAACI Food Allergy and Anaphylaxis Guidelines. Protecting consumers with food allergies

DEFF Research Database (Denmark)

Muraro, A; Hoffmann-Sommergruber, K; Holzhauser, T

2014-01-01

production. There is an urgent requirement for effective communication between health care professionals, patient organizations, food industry representatives and regulators to develop a better approach to protecting consumers with food allergies. This article is protected by copyright. All rights reserved....... and expectations of the food allergic consumer in that context. There is a general duty of care on the food industry and obligations in European Union legislation to reduce and manage the presence of allergens alongside other food hazards. Current evidence enables quantification of allergen reference doses used...

The Consumer Protection Act 68 of 2008 and procedural fairness in

African Journals Online (AJOL)

MJM Venter

fair. In a South African context, procedural fairness and substantive fairness are therefore of equal importance. 5. The Consumer Protection Act and procedural fairness. In the discussion below, the special ..... actually read the terms, but standardisation in presentation may make it slightly easier for a consumer to understand ...

Consumer Protection in Cyberspace

Directory of Open Access Journals (Sweden)

Oscar H. Gandy, Jr.

2011-06-01

Full Text Available This critical essay introduces the problem of discrimination enabled through the use of transaction-generated-information derived from the analysis of user behaviors within the network environment. The essay begins by describing how segments of the population that are already vulnerable become further victimized through the strategic use of discriminatory algorithms in support of identification, classification, segmentation, and targeting. In response, it evaluates a set of policy options that might be used to limit the harm and compensate the victims of these inherently dangerous technologies. Traditional approaches that stress the protection of privacy through restrictions on the collection and use of personal information are compared with alternatives based on individual and class actions under tort law, as well as more traditional regulatory approaches developed in the area of consumer products safety and environmental regulation.

14 CFR 298.30 - Public disclosure of policy on consumer protection.

Science.gov (United States)

2010-01-01

... 14 Aeronautics and Space 4 2010-01-01 2010-01-01 false Public disclosure of policy on consumer protection. 298.30 Section 298.30 Aeronautics and Space OFFICE OF THE SECRETARY, DEPARTMENT OF TRANSPORTATION... Limitations and Conditions on Exemptions and Operations § 298.30 Public disclosure of policy on consumer...

Law Enforcement of Consumer Protection for Safe Food Packaging in The Decisions of Criminal Justice

Science.gov (United States)

Wiryani, F.; Herwastoeti; Najih, M.; Haris, A.

2017-04-01

The right to a safe food is a human rights protected by the 1945 Constitution and legislation, including the Health Act, the Consumer Protection Act and Food Act. The law governing the rights and obligations of consumers; rights, obligations and responsibilities of businesses, as well as prohibitions and sanctions for businesses that violate. Food consumers aggrieved can file a non-litigation legal action and / or litigation. Non-litigation legal efforts made through negotiation or mediation or through Consumer Dispute Resolution Body (BPSK). The litigation efforts made by filing a lawsuit for damages to the court and / or reporting the case to the criminal law enforcement. This study specifically examines the enforcement of criminal law in the judgment as a safeguard against food consumers. Sanctions provisions setting a strategic role in an effort to make the protection of consumers of food. Patterns general formulation of the maximum penalty in the third Act is not appropriate because it too gives flexibility for the judge to make a decision as low to the Defendant. Facts on society, business agent has a dominant and strong position compared with consumers of food. These favorable conditions business agent position and vice versa less give legal protection to the Consumer Food. Preferably the pattern formulation penalty of criminal acts in the field of food using a specific minimum and maximum public.

Your Credit Rights: An Instructional Unit on Consumer Credit Protection. Revised.

Science.gov (United States)

Jensen, Barbara J.; And Others

This instructional guide adds two new sections to the original guide published in May 1982. The guide was designed to assist educators in teaching the topics of consumer credit and consumer credit protection to secondary and postsecondary students in various economics and business courses, as well as in adult and community education courses. The…

Education and Training Needs in the Field of Consumer Protection in the Lower Danube Region

Directory of Open Access Journals (Sweden)

Vasile Dinu

2010-11-01

Full Text Available The issues of consumer rights and consumer welfare are increasingly important, especially in the current economic climate in which the ability to make informed choices represents a real advantage in consumers’ daily life. In order to make their purchases with confidence, both in their country and abroad, consumers need easy access to precise information and to professional advice. Taking into account the fact that education and training are a strategic factor for a sustainable development through contribution to human capital development, within the Romania–Bulgaria Cross-Border Cooperation Program 2007–2013, the Academy of Economic Studies in Bucharest, Romania and the D. Tsenov Academy of Economics in Svisthov, Bulgaria decided to collaborate in the field “Cooperation on human resources development – joint development of skills and knowledge”, through the development of cross-border liaisons and exchanges between the two universities. Our objective is to bring up new methods of training in the field of consumer protection in order to train and to supply the labour market with specialized experts in this field in charge with various issues regarding consumers in enterprises, in organizations in charge with elaborating consumer protection policies and in organizations in charge with market supervision and control and also in consumers’ associations. We consider that in this way we meet both consumers’ and employers’ needs because economic agents need professionals in the field as well, in order to advise them in their quest to protect the rights and interests of consumers. Also, Meglena Kuneva, the European Commissioner for Consumer Protection, noted that studies conducted at European level revealed that there is a high level of interest for recruiting qualified experts in the field of consumer protection shown by large companies, national governments, small and medium enterprises and consumers’ associations. In order to

Trademarks, consumer protection and domain names on the Internet

Directory of Open Access Journals (Sweden)

Hana Kelblová

2007-01-01

Full Text Available The article deals with current problems of the conflict of domain names on the Internet with trade marks in relation to the consumer protection. The aim of the article is to refer to ways and means of protection against of the speculative registration of a domain name. In the Czech legal order these means represent legal regulation of the unfair competition in Commercial Code, regulation of liability for damage together with the Trademarks Act.

THE PROTECTION OF CONSUMER RIGHTS FOR AVIATION SAFETY AND SECURITY IN INDONESIA AND MALAYSIA

Directory of Open Access Journals (Sweden)

Annalisa Yahanan

2017-01-01

Full Text Available Indonesia and Malaysia have a good potency for cooperation in aviation industry. It can be seen in the establishing two aviation companies namely PT. Indonesia Air Asia and Malindo which both are low-cost carrier. These aviation industries are categorized as low-cost carrier, however safety and security are absolute factors because these are rights for consumers. This article will describe further about safety and security standard; protecting the rights for consumers in connection with safety aviation in Indonesia and Malaysia from the Consumer Protection Law and the Aviation Law. As a result of the research shows that safety standard passenger for air transportation in airport covers information and safety facility in the shape of availability of the emergency safety tools (fires, accidents and natural disasters; information, area and health facility; and healthcare workers. Moreover, safety standards for passenger in an aircraft include information and safety facility in the shape of availability information and the emergency safety tools for passenger in an aircraft. The protection for consumer rights for safety flight in Indonesia as follows: aviation industry has obligation to fulfill minimum standard of safety and security; consumers must be safety from false information which raises concern; aircraft operation which endanger of the passenger; and consumer protection in operating the electronic device which endanger flight. On the other hand, the law of consumer rights in Malaysia relating to aviation are ruled under the Aviation Law as a result of the Warsaw Convention 1929. In conclusion, the verdict of consumer rights related to security aviation begins when the passenger enter to an aircraft, in the aircraft, and by the time they get off the plane.

Information Requirements and Consumer Protection in Future M-Commerce

DEFF Research Database (Denmark)

Cleff, Evelyne Beatrix; Henschel, Rene Franz

2006-01-01

The aim of this article is to discuss information requirements and consumer protection in mobile commerce. On the basis of a brief introduction to the characteristics of mobile commerce and the regulatory framework that governs mobile commerce in the European Union today, the article presents...

75 FR 52512 - Acceptance of Public Submissions on the Wall Street Reform and Consumer Protection Act and the...

Science.gov (United States)

2010-08-26

... and Consumer Protection Act and the Rulemakings That Will Be Proposed by the Commission AGENCY...-Frank Wall Street Reform and Consumer Protection Act (``Dodd-Frank Act'') was enacted on July 21, 2010... Consumer Protection Act (``Dodd-Frank Act''), Public Law 111-203, was enacted. The Dodd-Frank Act will...

75 FR 51429 - Definitions Contained in Title VII of Dodd-Frank Wall Street Reform and Consumer Protection Act

Science.gov (United States)

2010-08-20

... VII of Dodd-Frank Wall Street Reform and Consumer Protection Act AGENCY: Securities and Exchange... comments. SUMMARY: The Dodd-Frank Wall Street Reform and Consumer Protection Act (the ``Dodd-Frank Act... requirements. \\1\\ Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law No. 111-203, 124 Stat...

A MARKETING VIEW OVER THE ROLE OF THE PUBLIC AUTHORITIES IN THE PROTECTION OF THE CONSUMERS PRIVATE SPACE

Directory of Open Access Journals (Sweden)

Veghes Calin

2011-12-01

Full Text Available The concept of privacy, seen in connection with the consumer's private space, and defined in terms of the rights the consumer have to disclose or not, respectively to have protected their personal data has gained an increasing importance, as a result of the organizations extended and more and more aggressive attempts, within their marketing efforts, to capture, process and use the consumers personal data. Privacy protection has become an important but, in the same time, extremely sensitive and challenging topic to be taken into consideration by all the stakeholders involved in the processing and employment of the consumers personal data. A key role in this respect is played by the public authorities acting as data controllers the Data Protection Authorities, that have to adopt a more proactive and efficient attitude in adopting and implementing policies and processes aiming to ensure a more effective protection of the personal data and private space, conduct privacy impact assessments and continuously improve the specific activities. Paper presents the opinions of the consumers through the results of an exploratory study regarding the importance given to the protection of the personal data, the area of protection of the specific laws, the need for laws regulating the personal data protection, the balance between the public and private entities in providing a proper protection of the personal data, and the relationship between the domestic, European, and international levels in ensuring the protection of the consumers personal data. Results regarding the role of the public authorities in the protection of the consumers personal data and private space in terms of the most appropriate institution to act as a data controller, the rights consumers consider important in relationship with the protection of their personal data and the risks faced in the context of a less effective protection are also presented.

Consumer Protection in Managed Care: A Third-Generation Approach.

Science.gov (United States)

Rother, John

1996-01-01

Discusses three generations of consumer protection issues related to managed care: (1) individual treatment decisions--individuals wanting treatment their plan does not cover or deems unnecessary; (2) insurance practices and risk selection--impact of health management organizations on the rest of the health insurance system; and (3) health plan…

Information Requirements and Consumer Protection in Future M-Commerce

DEFF Research Database (Denmark)

Cleff, Evelyne Beatrix; Henschel, Rene Franz

2007-01-01

  The aim of this article is to discuss information requirements and consumer protection in mobile commerce. On the basis of a brief introduction to the characteristics of mobile commerce and the regulatory framework that governs mobile commerce in the European Union today, the article presents...... that the solution may be relaxed enforcement of the regulatory framework and/or self-regulation, e.g. by codes of conduct. However, the article argues that other possible solutions should be considered, e.g. the use of specific symbols and sounds that - like road traffic rules - could help the consumer to navigate...

THREE DECADES OF CONSUMER PROTECTION OF RIGHTS ACT: RURAL INDIA NEEDS FOCUSED ATTENTION

OpenAIRE

Dr. Amrit Patel

2017-01-01

India has been observing December 24 each year since 1986 as “National Consumer Rights Day”, when the Consumer Protection Act [CPA], 1986 came into force on this day. Despite the implementation of the CPA has completed three decades in the country, the rural India has yet to understand the meaning of consumer’s rights & the procedure to protect the right enshrined in the CPA,1986. This has its significance because according to the National Council of Applied Economic Research survey report th...

Effective methods of consumer protection in Brazil. An analysis in the context of property development contracts

Directory of Open Access Journals (Sweden)

Deborah Alcici Salomão

2015-12-01

Full Text Available This study examines consumer protection in arbitration, especially under the example of property development contract disputes in Brazil. This is a very current issue in light of the presidential veto of consumer arbitration on May 26, 2015. The article discusses the arbitrability of these disputes based on Brazilian legislation and relevant case law. It also analyzes of the advantages, disadvantages and trends of consumer arbitration in the context of real estate contracts. The paper concludes by providing suggestions specific to consumer protection in arbitration based on this analysis.

AGREEMENT ON THE SALE AND PURCHASE OF HOUSES TO BE BUILT IN CONJUNCTION WITH THE CONSUMER PROTECTION ACT

Directory of Open Access Journals (Sweden)

Ahmad Fauzi

2018-03-01

Full Text Available In residential buying agreements, contracts governing default are usually common. Default is stated by expressing negligence in two respects, whether it is negligence in payment of instalment or negligence in the delay of settlement of house construction which will be delivered to the consumer. The developer's responsibility is usually related to the delay of the house construction and delivery to the consumer. In the execution of the sale and purchase transaction of the house to be built, consumers rarely gain consumer protection rights as regulated and mentioned in the article on consumer rights and business actor obligations contained in Article 4 and 7 of Law no. 8 of 1999 on Consumer Protection. Furthermore, field practice reality shows that consumers and developers do not have the same bargaining position, where the consumer are usually required to follow the agreement that has been standardized by developers who are legally contrary to Article 18 of Law no. 8 of 1999 on Consumer Protection.

Unpacking the right to plain and understandable language in the consumer protection act 68 of 2008

OpenAIRE

Stoop, Philip N; Chürr, Chrizell

2013-01-01

The Consumer Protection Act 68 of 2008 came into effect on 1 April 2011. The purpose of this Act is, among other things, to promote fairness, openness and respectable business practice between the suppliers of goods or services and the consumers of such good and services. In consumer protection legislation fairness is usually approached from two directions, namely substantive and procedural fairness. Measures aimed at procedural fairness address conduct during the bargaining process and gener...

The Consumer Protection Clinical Course at UCLA School of Law

Science.gov (United States)

Bergman, Paul

1978-01-01

The Consumer Protection clinical course, in which case supervision is provided by government agency personnel, is described. Implications are considered regarding the necessity and emphasis of a seminar component, and the usefulness of clinical courses in teaching substantive law as well as lawyering skills. (LBH)

Analysing the components of attitude in a function of improving consumer protection in the Republic of Serbia

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Ćirić Maja

2014-01-01

Full Text Available Consumers are the starting point and the focus of all activities of companies that want to survive in the long term and do business profitably on the market. However, even in the most developed economies in the world do not have all the companies awareness about the importance of social responsible business and ethical marketing. Therefore there is a need for institutional protection of consumers from unfer and unethical business of companies, on the one hand, but on the other hand, they have to encourage themselves to be more involved in the protection of their rights. The purpose of this paper is the analysis of the components of consumer attitude about the degree of protection of consumer rights in the Republic of Serbia in order to conclude on which way consumers can be encouraged to participate more actively in the exercise of rights. The aim of this study is to determine whether the cognitive, affective and behavioral component of the attitude are intercorelated and to what extent, and whether cognitive or affective component has dominant influence on forming behavioral component of the consumer attitude. Based on the results of the research about the corelation and influence of the analyzed components of the attitude we draw conclusions on which way it can be possible to affect on the consumer intention to be more engaged in its rights protection as well as on which way it can be possible to improve the consumer protection in the Republic of Serbia, generally speaking.

LA PROTECCIÓN DE LOS CONSUMIDORES FINANCIEROS. THE PROTECTION OF FINANCIAL CONSUMERS.

Directory of Open Access Journals (Sweden)

Mayda Soraya Marín Galeano.

2013-12-01

Full Text Available En este artículo se propone contrastar las diferentes legislaciones de protección a los consumidores financieros, observando el panorama colombiano con relación a otros países. El estudio se desarrolla en cuatro fases: en la primera, se expondrá un panorama general de los derechos de los consumidores financieros; en la segunda, se presentarán los indicadores construidos; la tercera, constará de la medición y comparación de la protección del consumidor financiero en los cinco países seleccionados (Chile, Colombia, Reino Unido, España y Estados Unidos; y finalmente, se propondrán hipótesis causales que expliquen la protección del consumidor financiero. Abstract: This article intends to contrast the different laws of protection to financial consumers, in which the Colombian view is being compared with the one from other countries. This study is developed in four stages: in the first one, a comprehensive overview of the financial consumer rights will be set out; in the second one, the built indicators will be shown; in the third one, the measurement and comparison of the financial consumer protection will be carried out in the five following selected countries: Chile, Colombia, United Kingdom, Spain, and The United States; and in the last one, causal hypotheses explaining the financial consumer protection will be proposed.

Current Trends in providing the Toys Security and Consumer Protection

Directory of Open Access Journals (Sweden)

Luiela Magdalena Csorba

2014-01-01

Full Text Available The goods and services market is not in equilibrium. This affects continuously the consumers under multiple aspects: economic, educational, health insurance and security, and so on. Not even the toys market outlets or the toys trading market aren’t trouble free. Because publications in the toys consumer protection field are seldom (legislation is the starting point in analyzing this area, the checks carried out at national level which showed the marketed toys insecurity and the abuses of the economic agents in this sector determined us to analyze the degree in which people knows the toy-related injuries and the danger to which they expose their own children when purchasing dangerous toys. That’s why a quantitative research was conducted, using the method of questionnaire, distributed through the Romanian consumers, with the aim to check the empirically awareness and the seriousness with which they relate the risks concerning the toys consume.

Consumer protection issues in energy: a guide for attorneys general. Insulation, solar, automobile device, home devices

Energy Technology Data Exchange (ETDEWEB)

Cohen, Harry I.; Hulse, William S.; Jones, Robert R.; Langer, Robert M.; Petrucelli, Paul J.; Schroeder, Robert J.

1979-11-01

The guide attempts to bring together two important and current issues: energy and consumer protection. Perhaps the most basic consumer-protection issue in the energy area is assuring adequate supplies at adequate prices. It is anticipated, though, that consumers will want to consider new ways to lower enegy consumption and cost, and will thus be susceptible to fraudulent energy claims. Information is prepared on insulation, solar, energy-saving devices for the home, and energy-saving devices for the automobile.

Regulations as a Tool to Increase Consumer Protection on the European Retail Payment Market

Directory of Open Access Journals (Sweden)

Janina Harasim

2018-03-01

Full Text Available Aim/purpose - The purpose of the paper is to identify the main areas of customers' threats concerning using financial services and the in-depth review of European industry- -specific consumer regulations concerning current accounts and payments. Design/methodology/approach - Desk research including in-depth analysis of industry- specific consumer regulations referring to current accounts and payment services having the character of EU directives and regulations, European Commission reports, and documents. Findings - The paper shows that consumers' interests are threatened even when they use basic financial services as current account and combined payment instruments. The analysis based on of desk resources has revealed that the regulations give effect to customer protection only if they strictly correspond to defined areas of threats and particular types of risks. Research implications/limitations - The experience of the recent financial crisis proved that the asymmetry of knowledge and information was one of the crucial reasons disrupting customers' position on financial markets. Research findings will help to identify gaps in regulations and develop the quality of further initiatives aimed on informing customers about the implementation of regulations and improving their financial literacy level. Originality/value/contribution - The payment products are rarely discussed in the literature in the context of consumers' protection and financial regulations. This paper contributes to the debate by providing an overview of financial consumer protection issues concerning retail payments.(original abstract

The Consumer Protection Act: No-fault liability of health care providers

OpenAIRE

Slabbert, M Nöthling; Pepper, Michael S

2011-01-01

The introduction of no-fault or strict liability by the Consumer Protection Act 68 of 2008 (CPA) poses serious problems in the health care context. With a patient as a consumer' in terms of the CPA, health care practitioners may find themselves as suppliers' or retailers' as part of a supply chain, and potentially liable for harm and loss suffered by a patient in terms of the new no-fault liability provision. The claimant (patient) can sue anyone in the supply chain in terms of this provision...

Intentions to consume omega-3 fatty acids: a comparison of protection motivation theory and ordered protection motivation theory.

Science.gov (United States)

Calder, Samuel Christian; Davidson, Graham R; Ho, Robert

2011-06-01

There has been limited research to date into methods for increasing people's intentions to use omega-3 polyunsaturated fatty acids (n-3 PUFA), which have been linked with decreased risk of suffering from numerous major diseases. The present study employed a cross-sectional design with 380 university students, employees, and visitors to investigate the efficacy of the protection motivation (PM) theory and the ordered protection motivation (OPM) theory, to predict behavioral intention to consume omega-3 rich foods and dietary supplements. Analysis of model fit indicated that both the PM model and the OPM model adequately represented the structural relationships between the cognitive variables and intention to consume n-3 PUFA. Further evaluation of relative fit of the two competing models suggested that the PM model might provide a better representation of decision-making following evaluation of the health threat of n-3 PUFA deficiency. Path analysis indicated that the component of coping appraisal was significantly associated with the behavioral intention to consume n-3 PUFA. Threat appraisal was found to be significantly associated with behavioral intention to consume n-3 PUFA only for the OPM model. Overall, the findings contribute to a better understanding of the roles that cognitive appraisal processes play in young and healthy individuals' protective health decision-making regarding consumption of n-3 PUFA. Implications of the findings and recommendations, which include (a) encouraging the consumption of n-3 PUFA as an effective barrier against the incidence of disease, and (b) effective health messaging that focuses on beliefs about the effectiveness of n-3 PUFA in reducing health risks, are discussed.

Awareness of Consumer Protection Act among Doctors in Udaipur City, India.

Science.gov (United States)

Singh, K; Shetty, S; Bhat, N; Sharda, A; Agrawal, A; Chaudhary, H

2010-01-01

To compare the awareness of provisions of consumer protection act among dental and medical professionals in Udaipur city, Rajasthan, India. In a cross sectional study, a total of 448 professionals (253 males, 195 females) belonging to dental (222) and medical (226) categories were surveyed using a self administered structured questionnaire. The questionnaire comprised of 22 questions about the awareness of consumer protection art (CPA) and whether these professionals were following the recommendations of CPA. The student's t-test, ANOVA test, and Scheffe's test were used as tests of significance. The awareness scores were significantly higher for medical professionals compared with those of dental professionals. Similarly, postgraduates showed more awareness in both the professions and it was found that private practitioners significantly have more awareness than the academic sector. Though medical professionals have more awareness of CPA compared to dental professionals, considering the present scenario, better knowledge of CPA is necessary for both professionals in order to be on the safer side.

77 FR 25371 - Transportation of Household Goods in Interstate Commerce; Consumer Protection Regulations...

Science.gov (United States)

2012-04-30

... Released Rates Order. FMCSA redesignates old paragraphs (g) and (h) as new paragraphs (h) and (i... CFR Part 375 Advertising, Arbitration, Consumer protection, Freight, Highways and roads, Insurance...

Federal Republic of Nigeria Diagnostic Review of Financial Consumer Protection : Key Findings and Recommendations

OpenAIRE

World Bank Group

2017-01-01

While only 44 percent of adults in Nigeria have an account at a formal financial institution, and only 2.5 percent have a mobile account, there are rapid innovations in both traditional and digital financial services that promote financial inclusion but also add complexity and risks for inexperienced consumers. Strengthening financial consumer protection (FCP) in Nigeria is therefore criti...

Comparative Analysis of the Consumer Protection, Considering the Globalisation and Technological Changes, within Member States of the European Union

Directory of Open Access Journals (Sweden)

Iulian Viorel Braşoveanu

2014-05-01

Full Text Available Recent globalization and technological changes have produced significant changes in consumption patterns, shopping online becoming increasingly more important. Under these conditions, in this article we analyze the most important issues relating to the level and quality of consumer protection in the European Union countries for the period 2008-2012 . In this article we aimed to analyze the most important issues related to the level and quality of consumer protection in European Union 27 countries in the period 2008-2012. For this scope, we have chosen the most important five consumer indicators, which are the components of the Consumer Conditions Index, which provide information on both the level and the quality of consumer protection: the protection perceived by consumers (feeling protected as a consumer, illicit commercial practices, the product safety, the consumer complaints, and the redress measures. Initial data were collected from the European Commission for each Member State of the European Union 27, for the last five years, from 2008 to 2012. We have used statistical and econometric methods. For the year 2012, using the selected indicators, we have presented the descriptive statistics in order to observe their caracteristics, we have analysed the correlation matrix and we have determined the structure of four clusters, which reveals common features of countries in each cluster. In order to capture the impact of the variables illegal commercial practices and redress measures on the dependent variable protection perceived by the consumers, we have realized panel regressions with cross-section fixed effects, using data for the period 2008-2012. Also for this period, comparative statistical analyzes were performed (average, minimum, maximum, trend between Member States. The results reflect the correlations between the analyzed indicators during the period 2008-2012, and a comprehensive scan of how these indicators developed in territorial

The Misunderstood Problem of Consumer Protection in Japan: The Roles of Lawyers and the Government.

Science.gov (United States)

Waxman, Michael Peter

1995-01-01

Introduces the role of law and government in consumer protection in Japan. Suggests that recognition of cultural differences between U.S. and Japanese societies can provide insights that will stimulate the U.S. consumer movement to confront the anticonsumer structures in Japan while respecting their internal values. (Author/JOW)

Will the new Consumer Protection Act prevent harm to nutritional supplement users?

Science.gov (United States)

Gabriels, Gary; Lambert, Mike; Smith, Pete; Hiss, Donavon

2011-07-25

BACKGROUND. There is no clear distinction between the regulation of food, supplements and medicines in South Africa. Consequently, grey areas exist in implementing the legislation, particularly in the supplement industry. The increase in supplement sales in South Africa can be attributed to aggressive marketing by manufacturers whose claims are not always supported by published peer-reviewed evidence. Such claims often go unchecked, resulting in consumers being mislead about the role of supplements. As a result of poor regulation, contaminants or adulterants in supplements may also cause insidious effects unrelated to the listed ingredients. AIM. To assess the regulations, legislation, and claims associated with nutritional supplement products in South Africa. METHOD. Peer-reviewed literature and the relevant South African statutes were consulted. RESULTS. The National Health Act incorporates the Medicine Control Council, which is charged with ensuring the safety, quality and effectiveness of medicines, and related matters, including complementary/alternative medicines. The South African Institute for Drug-Free Sport and Amendment Act provides for testing athletes for using banned substances, but currently does not concern itself with monitoring nutritional supplements for contaminants or adulterants that may cause a positive drug test, which has implications for sports participants and also the health of the general population. The implementation of the Consumer Protection Act 68 of 2008 (CPA) could protect consumer rights if it is administered and resourced appropriately. CONCLUSION. The CPA should promote greater levels of policy development, regulatory enforcement, and consumer education of South Africa's supplement industry.

Increased Transparency and Consumer Protections for 2016 Marketplace Plans.

Science.gov (United States)

Brooks-LaSure, Chiquita

2015-12-01

The open enrollment period that ends in December 2015 for coverage begin­ning January 2016 marks the third year of the health care exchanges or marketplaces and of coverage through new qualified health plans. This issue brief investigates several key changes to the qualified health plans, with a focus on increased transparency and consumer protections. A new out-of-pocket costs calculator, requirements regarding provider networks, and prescription drug cost-sharing requirements should serve to better inform and improve consumer selection. In addition, several policy changes will help individuals with more severe health needs. These include: improved prescription drug coverage for HIV/ AIDS and other conditions, allowing prescription drugs that are obtained through the "exceptions" process to count toward the out-of-pocket spending cap, more comprehensive and consistent habilitative coverage, and an individual out-of-pocket spending cap within the family out-of-pocket maximum.

78 FR 1306 - Transition Period Under Section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act

Science.gov (United States)

2013-01-08

... DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency [Docket ID OCC-2013-0001] Transition Period Under Section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act AGENCY... Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) prohibits providing Federal...

76 FR 43237 - Patient Protection and Affordable Care Act; Establishment of Consumer Operated and Oriented Plan...

Science.gov (United States)

2011-07-20

... have a choice of health plans to fit their needs. Exchanges will give individuals and small businesses... Protection and Affordable Care Act; Establishment of Consumer Operated and Oriented Plan (CO-OP) Program... implement the Consumer Operated and Oriented Plan (CO-OP) program, which provides loans to foster the...

Historical study regarding the protection of consumers within the electric energy and natural gas markets

Directory of Open Access Journals (Sweden)

Ramona Pîrvu

2013-06-01

Full Text Available The supply of electric energy and natural gas is a service of general interest, with a vital importance in satisfying the consumer’s basic needs. The conducted research is descriptive and its main focus is on the study of the field literature, aiming at aspects such as identifying the historic evolution of the electric energy and natural gas markets in Romania, the behaviour of companies operating on these markets and their impact on the consumers’ rights. The research methodology has been established starting from a synthetic analysis of the most recent published studies on the observation of the European policy in the energy field and EU’s efforts to build up a single, competitive market, including two sectors that not long ago were dominated by monopolistic national actors: electric energy and gas. The research methods imply study monitoring and reports as well as forecast analyses regarding the capacity of the Three Energy Packages, once implemented, to support the creation of competitive, transparent and uniformly regulated energy markets within the EU countries, in order to ensure the protection of the consumers of these general interest services. The research has a dual approach, combining quantitative and qualitative elements as well as conducting the analysis of the correlations between the efforts and effects registered in the field of consumer protection. The first section of the article offers conceptual clarifications regarding both the European policy in the energy field and the consumers of general economic services. The second section gives an insight into the energy and gas markets in Romania as well as the main obstacles in the way of their liberalization. The third section presents the efforts made with respect to consumer protection in the field of energy, analyzing the European Directives’ fundamental ideas regarding the protection of consumers and the phase of their embedment into our legislation in order to achieve

The Essences of Halal Labeling of the Consumer Protection within Indonesia

Directory of Open Access Journals (Sweden)

Hijrah Lahaling

2015-08-01

Full Text Available Halal labeling is not simply a means of meeting the bodily needs. Simultaneously, it serves to satisfy the spiritual needs. Both Halal and haram foods are easy to identify when still in its fresh state. But as it underwent processing, it might be difficult to determine its halal status. The objectives of this paper are to determine the aspects of legal protection available for the consumers to be able to conveniently trade any food product they desired, to illustrate the MUI Authority as the competent authority with sole power to issue a fatwa to decide halal or haram status of food products around Indonesia; and finally to identify the extent of control held by the Government, LPKSM, and society as the parties playing important roles in monitoring the products or goods on the market. The results showed that the legal protection for the consumers remains weak. Furthermore, there is no maximum supervision carried out by the government, LPKSM, or through society. The presence of JPH Law No. 33 of 2014 still incites polemic, one of which related to the monopoly of authority by MUI.

[Complaints by private health insurance policy-holders to the Consumer Protection Bureau in Argentina, 2000-2008].

Science.gov (United States)

Luzuriaga, María José; Spinelli, Hugo

2014-05-01

This paper analyzes problems experienced by policy-holders of voluntary private health insurance plans in Argentina when insurance companies fail to comply with the Consumer Protection Code. The sample consisted of consumer complaints filed with the Consumer Protection Bureau and rulings by the Bureau from 2000 to 2008. One striking issue was recurrent non-compliance with services included in the Mandatory Medical Program and the companies' attempts to blame policy-holders. According to the study, the lack of an information system hinders scientific studies to adequately address the problem. Thus, a comparison with studies on health insurance in other Latin American countries highlighted the importance of such research, the relationship to health systems, constraints on use and denial of citizens' rights to healthcare, and the increasing judicialization of healthcare provision.

The Influence of the Consumer Protection Act 68 of 2008 on the ...

African Journals Online (AJOL)

The implementation of the Consumer Protection Act 68 of 2008 (CPA) has great implications for the South African common law of sale. In this contribution the influence of the CPA on the seller's common law duty to warrant the buyer against eviction is investigated. Upon evaluation of the relevant provisions of the CPA, the ...

THE PROTECTION OF CONSUMER RIGHTS FOR AVIATION SAFETY AND SECURITY IN INDONESIA AND MALAYSIA

OpenAIRE

Annalisa Yahanan; Febrian Febrian; Rohani Abdul Rahim

2017-01-01

Indonesia and Malaysia have a good potency for cooperation in aviation industry. It can be seen in the establishing two aviation companies namely PT. Indonesia Air Asia and Malindo which both are low-cost carrier. These aviation industries are categorized as low-cost carrier, however safety and security are absolute factors because these are rights for consumers. This article will describe further about safety and security standard; protecting the rights for consumers in connection with safet...

The Protection of Consumer Rights for Aviation Safety and Security in Indonesia and Malaysia

OpenAIRE

Yahanan, Annalisa; Febrian, Febrian; Rahim, Rohani Abdul

2017-01-01

Indonesia and Malaysia have a good potency for cooperation in aviation industry. It can be seen in the establishing two aviation companies namely PT. Indonesia Air Asia and Malindo which both are low-cost carrier. These aviation industries are categorized as low-cost carrier, however safety and security are absolute factors because these are rights for consumers. This article will describe further about safety and security standard; protecting the rights for consumers in connection with safet...

Unscientific health practice and disciplinary and consumer protection litigation.

Science.gov (United States)

Freckelton, Ian

2011-06-01

Evidence-based health care is expected of their practitioners by contemporary health professions. This requires health care to have a foundation in scholarly literature and to have a scientifically valid methodology. However, there are many instances of registered and unregistered practitioners either providing assessment and treatment that does not conform to such requirements or making representations about likely efficacy that are unjustifiable by reference to peer-reviewed clinical knowledge. Sometimes such conduct is predatory and deliberately exploitative; other times it is simply misconceived on the part of practitioners who regard themselves as medical pioneers. This editorial situates such conduct within unscientific and unorthodox health practice. It surveys recent consumer protection and disciplinary decisions to evaluate the role of the law in regulating such conduct. It argues in favour of an assertive legal response to protect vulnerable patients or potential patients against forms of treatment and promises of outcomes that are unscientific and deceptive.

The Report of the Second National Conference on Consumer Protection in Postsecondary Education. Report No. 64.

Science.gov (United States)

Education Commission of the States, Denver, CO.

The second National Conference on Consumer Protection in Postsecondary Education was a series of seminars on specific issues. The topics under discussion were (1) protecting the student financial interest; (2) student information needs and systems; (3) postsecondary education institutional responses; (4) regulations and safeguards; and (5) full…

Poison politics: a contentious history of consumer protection against dangerous household chemicals in the United States.

Science.gov (United States)

Jones, Marian Moser; Benrubi, Isidore Daniel

2013-05-01

The history of consumer protection against household poisons presents a key case study of the uniquely American struggle to balance public health and safety with the interests of business. By the late 19th century, package designs, warning labels, and state statutes had formed an uneven patchwork of protective mechanisms against accidental poisonings. As household chemicals proliferated in the early 20th century, physicians concerned with childhood poisonings pressured the federal government to enact legislation mandating warning labels on packaging for these substances. Manufacturers of household chemicals agreed to labeling requirements for caustic poisons but resisted broader regulation. Accidental poisonings of children continued to increase until the enactment of broad labeling and packaging legislation in the 1960s and 1970s. This history suggests that voluntary agreements between government agencies and manufacturers are inadequate to protect consumers against household poisonings and that, in the United States, protective household chemical regulation proceeds in a reactive rather than a precautionary manner.

CONSUMER PROTECTION: Federal Actions Are Needed to Improve Oversight of the Household Goods Moving Industry

National Research Council Canada - National Science Library

2001-01-01

.... The Motor Carrier Safety Improvement Act of 1999 directed that we assess the effectiveness of the Department of Transportation s consumer protection activities for the interstate household goods...

Report on Workshop 'Radiation protection of the 'consumer' of medical irradiation applications'

International Nuclear Information System (INIS)

Geus, W.W.A.A.

1989-01-01

The Main division Radioactivity and Applications of Radiation of the Dutch Department of Welfare, Public Health and Culture has organized a 'workshop' on the protection of the patient ( or consumer) in medical applications of radiation. The EG guideline of september 3rd 1984 'In behalf of assessment of fundamental measures with regard to radiation protection of persons who are examined or treated medically' and the advice of the National Council for Public Health brought out thereabout in april 1988, served as background of the contributions and discussions presented in this collection. (H.W.). Refs.; figs.; tabs

The role of consumer protection in ensuring quality in the hotel services market

Directory of Open Access Journals (Sweden)

Neacșu Andreea Nicoleta

2018-01-01

Full Text Available In Romania, tourism is an attractive sector with high potential, but unfortunately not exploited enough, so it is not yet a source of attraction for investors and foreign tourists. Most tourists are not satisfied with the quality of the hotel services in Romania and complain about it. The existence of adequate legislation on the protection of the consumer of tourist services could lead to the provision of quality services on this market and to a higher degree of tourists’ satisfaction.In the first part, this paper presents the public organizations dealing with the protection of the consumer on the hotel services market in Romania. The second part of the paper analyzes the quality of hotel services in Romania from the tourists’ point of view. In this respect, the author made a quantitative marketing research. The results featured the opinions and attitudes of tourists regarding the quality of hotel services in Romania.

Alaska Consumer Protection Unit

Science.gov (United States)

Drafting Manual Attorney General Opinions Executive Branch Ethics Criminal Justice Alaska Medicaid Fraud make wise purchasing decisions and avoid becoming victims of consumer fraud. The site also includes

Electro smog. Health risks, limiting values, consumer protection

International Nuclear Information System (INIS)

Karus, M.; Ebert, L.; Schneider, W.; Koehnecke, W.; Loefflad, H.; Plotzke, O.; Niessen, P.

1994-01-01

At first, the popular book describes physical facts. All terms and units being necessary for the comprehension of electro smog are presented and referred to practice: Which electric and magnetic fields of natural and technical origin appear in everyday life? The main part of the book occupies physical effects. The current scientific state of the research is presented: Are electric and magnetic fields a physical risk factor? In the chapter 'limiting values', the valid limiting values and their conceptional and political basis are discussed. The last part of the book addresses consumer protection: How can the own load be reduced through electric and magnetic fields of electric devices and installations, computers and mobile telephones without renouncing of electric comfort. (VHE) [de

CONSUMER PROTECTION: Federal Actions Are Needed to Improve Oversight of the Household Goods Moving Industry

National Research Council Canada - National Science Library

2001-01-01

The ICC Termination Act of 1995 transferred federal responsibilities for protecting consumers who move their household goods across state lines using commercial moving companies to the Department of Transportation...

Consumer Financial Protection Bureau

Science.gov (United States)

... Openings Doing Business With Us Advisory Groups Project Catalyst Contact Us The CFPB: Working for you This short video covers what the CFPB is and how we are working for American consumers. An official website of ...

Online consumer contracts

NARCIS (Netherlands)

Luzak, J.

2014-01-01

The new Consumer Rights Directive introduced some changes to the level of consumers’ protection online. However, just like with its predecessor, the Distance Selling Directive, the main focus of the protection that consumers have been granted online is to provide them with transparent and salient

Food allergen law and the Food Allergen Labeling and Consumer Protection Act of 2004: falling short of true protection for food allergy sufferers.

Science.gov (United States)

Roses, Jonathan B

2011-01-01

In 2004, Congress mandated labeling of food allergens on packaged foods for the first time by passing the Food Allergen Labeling and Consumer Protection Act (FALCPA). FALCPA requires that manufacturers of foods containing one of the eight major allergens responsible for 90 percent of food allergies either state on the food's packaging that the food contains the allergen, or refers to the allergen by a name easily understandable by consumers in the ingredients listing. Despite this important first step in protecting consumers with food allergies, FALCPA left unregulated the use of conditional precautionary statements (e.g., "may contain [allergen]"), which many manufacturers have used as a low-cost shield to liability. Further, FALCPA applies only to packaged foods, and does not mandate listing of food allergen ingredients in restaurants. This article discusses the history of food allergen litigation in the United States, highlighting the problems plaintiffs have faced in seeking recovery for allergic reactions to a defendants' food product, and some of the practical difficulties still extant due to the lack of regulation of precautionary statements. Also presented is a review of the Massachusetts Food Allergy Awareness Act, the first state legislation requiring restaurants to take an active role in educating employees and consumers about the presence and dangers of food allergens.

A History of Drug Advertising: The Evolving Roles of Consumers and Consumer Protection

Science.gov (United States)

Donohue, Julie

2006-01-01

Direct-to-consumer advertising (DTCA) of prescription drugs in the United States is controversial. Underlying the debate are disagreements over the role of consumers in medical decision making, the appropriateness of consumers engaging in self-diagnosis, and the ethics of an industry promoting potentially dangerous drugs. Drug advertising and federal policy governing drug advertising have both responded to and reinforced changes in the consumer's role in health care and in the doctor-patient relationship over time. This article discusses the history of DTCA in the context of social movements to secure rights for health care patients and consumers, the modern trend toward consumer-oriented medicine, and the implications of DTCA and consumer-oriented medicine for contemporary health policy debates about improving the health care system. PMID:17096638

A history of drug advertising: the evolving roles of consumers and consumer protection.

Science.gov (United States)

Donohue, Julie

2006-01-01

Direct-to-consumer advertising (DTCA) of prescription drugs in the United States is controversial. Underlying the debate are disagreements over the role of consumers in medical decision making, the appropriateness of consumers engaging in self-diagnosis, and the ethics of an industry promoting potentially dangerous drugs. Drug advertising and federal policy governing drug advertising have both responded to and reinforced changes in the consumer's role in health care and in the doctor-patient relationship over time. This article discusses the history of DTCA in the context of social movements to secure rights for health care patients and consumers, the modern trend toward consumer-oriented medicine, and the implications of DTCA and consumer-oriented medicine for contemporary health policy debates about improving the health care system.

THE EFFECTIVENESS OF THE SUPERVISION OF PERPETRATORS OF EFFORT IN PRODUCING QUALITY PRODUCTS AND ITS IMPLICATIONS FOR CONSUMER PROTECTION

Directory of Open Access Journals (Sweden)

Abd Haris

2005-07-01

Full Text Available The purpose of this research was explain how the substance of the law against the perpetrators of the oversight arrangements of effort in producing quality products contained in the legislation in the field of consumer protection, explain how the implementation of surveillance against perpetrators of effort in producing quality products, explain how the form of the application of the sanctions for the perpetrators of the attempt that violates the provisions of the legislation in making products that are not qualified. Research conducted in the framework of this dissertation outlines is of type socio-juridical, because in addition to researching the secondary legal materials in the form of regulations, manual and electronic law library, relevant research results in the field of law of particular problems in the field of consumer protection and other written materials, as well as researching various legal facts about the implementation of surveillance against perpetrators of effort in producing quality products and its implications for consumer protection This is the case, the form of the application sanctions. The results showed that 1. The substance of the law against the perpetrators of the oversight arrangements of effort in producing quality products that are found in a wide range of legislation in the field of consumer protection is basically adequate. 2. surveillance of implementation against the perpetrators of the work done by the three main pillars of supervision: the Government, communities and non-governmental Consumer Protection Agency (LPKSM is not yet effective due to still having a lot of constraints. 3. The form of the application of the sanctions for the perpetrators of the attempt that violated regulations in making a quality product, it is still better to put forward sanctions administrative compared to criminal sanctions and civil penalties.

76 FR 78500 - Consumer Leasing (Regulation M)

Science.gov (United States)

2011-12-19

... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1013 [Docket No. CFPB-2011-0026] RIN 3170-AA06 Consumer Leasing (Regulation M) AGENCY: Bureau of Consumer Financial Protection. ACTION: Interim final rule... Protection Act (Dodd-Frank Act) transferred rulemaking authority for a number of consumer financial...

Consumer protection: how much and who decides

International Nuclear Information System (INIS)

Cowgill, C.A.

1975-01-01

Some topics discussed are: safety characteristics of electronic products such as color television sets and microwave ovens; impossibility of lay consumer determining frequency, severity, and probability of injury from radiation emissions; leakage of x radiation from color television sets; costs of safety standards to consumer; user habits and attitudes such as ignoring directions in instruction booklets; and consumer participation such as Consumers Union petition to amend the federal microwave standard and meetings of the technical electronic products radiation safety standards committee

Individual Licensing Models and Consumer Protection

NARCIS (Netherlands)

Guibault, L.; Liu, K.-C.; Hilty, R.M.

2017-01-01

Copyright law is not primarily directed at consumers. Their interests are therefore only marginally accounted for, as the copyright rules exempt specific uses of works from the right holder’s control. This chapter examines the impact of digital technology on the position of consumers of licensed

Discourse and policy making on consumer protection in the areas of mobile telecommunication and tanning.

Science.gov (United States)

Schweikardt, Christoph; Rosentreter, Michael; Gross, Dominik

2012-01-01

Perceived health risks from electromagnetic fields in mobile telecommunication and from UV radiation in tanning have become regulation issues in Germany during the last decade. Health risk messages from government expert bodies and the main stakeholders in these areas as well as subsequent consumer protection policy making are investigated. Publications and websites of government expert bodies and the main stakeholders as well as debates in Federal Parliament were analysed to compare argumentation patterns and parliamentary decision-making processes. In both areas, the public received competing health risk messages from the industries and their critics. As a government expert body, the Federal Office for Radiation Protection (BfS) held the view that alleged health risks from electromagnetic telecommunication were not proven, and propagated the precautionary principle. This opinion did not endanger the agreement of 2001 between the government and mobile telecommunication operators. After the failure to obtain voluntary commitment from the tanning industry, by contrast, the BfS recommended stricter consumer protection legislation, which was subsequently implemented. The BfS was in a key position to demand the prerogative of interpretation concerning mutually excluding health risk messages and to provide the argumentation which led the way to non-ionic radiation health protection measures.

Strategic trade between two regions with partial local consumer protection - General setup and nash equilibria

Science.gov (United States)

Iordanov, Iordan V.; Vassilev, Andrey A.

2017-12-01

We construct a model of the trade relations between two regions for the case when the trading entities (consumers) compete for a scarce good and there is an element of strategic interdependence in the trading process. Additionally, local consumers enjoy partial protection in the form of guaranteed access to a part of the locally-supplied quantity of the good. The model is formulated for the general asymmetric case, where the two regions differ in terms of parameters such as income, size of the local market supply, degree of protection and transportation costs. For this general model we establish the existence of Nash equilibria and obtain their form as a function of the model parameters, producing a typology of the equilibria. This is a required step in order to rigorously study various types of price dynamics for the model.

The inadequacy of consumer protection in the UAE: the need for reform

OpenAIRE

AlGhafri, Abdulla MA

2013-01-01

This thesis was submitted for the degree of Doctor of Philosophy and awarded by Brunel University. This thesis addresses the consumer protection regime in the United Arab Emirates (UAE) against damages posed by defective industrial products, unfair business practices and misleading advertising. Nowadays, unfair and deceptive practices such as the selling of defective or sub-standard goods, the charging of exorbitant prices, misrepresentation of the efficacy or usefulness of goods, and negl...

Scientific-methodological approaches to designing risk-oriented model of control and surveillance activities in the sphere of consumer rights protection

Directory of Open Access Journals (Sweden)

N.V. Zaitseva

2017-06-01

Full Text Available We present scientific-methodological approaches to defining risk categories of economic entities which are subject to surveillance in the sphere of consumer rights protection. Risk is suggested to be assessed as a product of violations frequency comprising violations of separate provisions of the law on consumer rights protection detected in the course of scheduled and unscheduled inspections; a number of claims per one detected violation which were satisfied by courts in favor of consumers; each separate case of harm accepted by court in money terms (as a sum of physical and moral damage to health and damage to property; and coefficient of a potential impact scope which differentiates risks for economic entities belonging to micro-, small, medium-sized and large business. Our information sources are official statistic data obtained due to realization of state control in the sphere of consumer rights protection and court practice collected in all the RF regions over 2012–2016. It is shown that a share of economic entities with extremely high risk potential which can cause total material damage to consumers in sums greater than 10 million rubles per year amounts to about 0.15 % of the total number of economic entities (both juridical persons and private entrepreneurs; economic entities with high risk potential account for about 2 %. Such groups are made of companies involved in financial markets, share construction services, insurance and tourism. About 23 % of juridical persons and private entrepreneurs can be classified as having low risk potential and they can be excluded from scheduled inspections. Economic entities structure in general corresponds to world practices. It is shown that risk-oriented surveillance model development requires improvements in keeping registers of juridical persons and private entrepreneurs as such registers should contain comprehensive information; it is necessary for correct risk category (or hazard category

Ethical Issues for Direct-to-Consumer Digital Psychotherapy Apps: Addressing Accountability, Data Protection, and Consent.

Science.gov (United States)

Martinez-Martin, Nicole; Kreitmair, Karola

2018-04-23

This paper focuses on the ethical challenges presented by direct-to-consumer (DTC) digital psychotherapy services that do not involve oversight by a professional mental health provider. DTC digital psychotherapy services can potentially assist in improving access to mental health care for the many people who would otherwise not have the resources or ability to connect with a therapist. However, the lack of adequate regulation in this area exacerbates concerns over how safety, privacy, accountability, and other ethical obligations to protect an individual in therapy are addressed within these services. In the traditional therapeutic relationship, there are ethical obligations that serve to protect the interests of the client and provide warnings. In contrast, in a DTC therapy app, there are no clear lines of accountability or associated ethical obligations to protect the user seeking mental health services. The types of DTC services that present ethical challenges include apps that use a digital platform to connect users to minimally trained nonprofessional counselors, as well as services that provide counseling steered by artificial intelligence and conversational agents. There is a need for adequate oversight of DTC nonprofessional psychotherapy services and additional empirical research to inform policy that will provide protection to the consumer. ©Nicole Martinez-Martin, Karola Kreitmair. Originally published in JMIR Mental Health (http://mental.jmir.org), 23.04.2018.

Consumer and farmer safety evaluation of application of botanical pesticides in black pepper crop protection

NARCIS (Netherlands)

Hernandez-Moreno, J.; Soffers, A.E.M.F.; Wiratno,; Falke, H.E.; Rietjens, I.; Murk, A.J.

2013-01-01

This study presents a consumer and farmer safety evaluation on the use of four botanical pesticides in pepper berry crop protection. The pesticides evaluated include preparations from clove, tuba root, sweet flag and pyrethrum. Their safety evaluation was based on their active ingredients being

Consumer Protection Towards Local Food Production In Southeast Sulawesi Indonesia

Directory of Open Access Journals (Sweden)

Suriani BT. Tolo

2015-08-01

Full Text Available Abstract Consumers have rights which should not just be ignored by businesses such as the right to be a safety the right be informed the right to be heard as well as the right to a good environment and healthy. Kendari Regency as a local government has been manifested by issuing regulations and policies that support the development of local food production such as the Mayor of Kendari regulation No. 15 of 2010 and Mayor Kendari Decree No. 427 of 2012 regarding the Establishment of Community Care Local Food. It appears that the local government is trying to make this local food as an alternative food. The type of research used in this paper is a socio-legal research reviewing the local food production from the perspective of consumer protection. The outcomes of the research indicate that responsibility of food business operators in the implementation of local production is essentially an effort to assist the government in ensuring the realization of food safety system. Therefore there is a need for awareness of the laws and regulations for all parties involved towards local food production especially in Kendari Regency Southeast Sulawesi on the food production process.

78 FR 70193 - Consumer Leasing (Regulation M)

Science.gov (United States)

2013-11-25

... FEDERAL RESERVE SYSTEM 12 CFR Part 213 [Docket No. R-1469] BUREAU OF CONSUMER FINANCIAL PROTECTION... Governors of the Federal Reserve System (Board); and Bureau of Consumer Financial Protection (Bureau... Protection Act (Dodd-Frank Act) amended the CLA by requiring that the dollar threshold for exempt consumer...

CONSUMER'S RIGHT TO WITHDRAW

Directory of Open Access Journals (Sweden)

ANCA NICOLETA GHEORGHE

2013-05-01

Full Text Available The right of withdrawal (of a contract belongs to the consumer, and is an essential means for the improvement of regulations that protect the consumer.. Right of withdrawal is not a recent creation and is not even specific to the consumer field. He was previously recognized in civil and commercial law (without special regulation. The right to withdraw may even have as ground the parties will. Thus, based on the contractual freedom, the parties may agree that one of them has the right to terminate the contract unilaterally The possibility of unilateral denunciation of the contract, gives the consumer, added protection by being able to reflect the decision and to check how the trader fulfil its obligations. In this context, through its effects, the right of denunciation, forces the professional parties to conduct themselves as fair as possible to the consumer and to execute the contract properly. In the study of the consumer protection, the time of conclusion is essential because in this stage is manifested, the inequality between the consumer and professional. Thus, the lack of information, the major of products and activities, commercial practices, influence the formation of consumer will, preventing the expression of a freely and knowingly consent.

fundamental consumer rights under the consumer protection act 68

African Journals Online (AJOL)

Castle walk

(g) a collective agreement in terms of Section 213 of the Labour Relations Act. 59 ..... "Direct marketing" means to approach a person, either in person or by ..... literacy skills and minimal experience as a consumer, to understand the contents.

Board certification in professional psychology: promoting competency and consumer protection.

Science.gov (United States)

Cox, David R

2010-04-01

Board certification in psychology provides an opportunity for increased assessment of and demonstration of competence in the profession. In addition to serving as a means of consumer protection, it can serve the professional psychologist by providing the opportunity for increased income, professional satisfaction, facilitated mobility, and professional development. Jurisdictional and organizational recognition of the importance of board certification is increasing. This article uses the model and experience of the American Board of Professional Psychology, with particular attention to the American Board of Clinical Neuropsychology and the American Academy of Clinical Neuropsychology, to illustrate these benefits. Recent developments regarding board certification are described, as well as how to become involved in the process.

The System of the Geographical Indication – Important Component of the Politics of the Consumers` Protection in European Union

Directory of Open Access Journals (Sweden)

Šárka Velčovská

2014-02-01

Full Text Available The paper deals with the use and diffusion of the geographical indication in the European Union countries, having as objective the protection of the products’ names, which are registered as Protected Geographical Indication (PGI and Protected Designation of Origin (PDO labels. The reason for treating this theme started from the fact that the level of knowledge of the system and its symbols by the consumers is very low. In the introductory part, specification of surveyed topic is given and importance of consumer education and information is highlighted. Empirical research is based on two approaches. First, 1114 product names from DOOR database (Database for agricultural products and foodstuffs in EU countries were analysed in order to investigate the frequency of labels utilization by country and product classes, cluster analysis was applied to show the labels distribution by countries. Dominant countries in number of labels are Italy, France and Spain having registered over 50 % of all products. The most frequent product class is Fruits, vegetables and cereals for PGI and Cheeses for PDO. The second approach reflects consumer view on the issue; survey of 250 consumers in the Czech Republic was carried out with the purpose to identify awareness and perceived credibility of labels. Findings reveal a low awareness of labels, credibility of labels is influenced by their low familiarity. The main problem is lack of information. Respondents show interest in getting information regarding this topic. Quality labels have potential to communicate with consumers and facilitate their food purchases, but it is necessary to improve their promotion.

The Consumer Protection Act: no-fault liability of health care providers.

Science.gov (United States)

Slabbert, M Nöthling; Pepper, Michael S

2011-11-01

The introduction of no-fault or strict liability by the Consumer Protection Act 68 of 2008 (CPA) poses serious problems in the health care context. With a patient as a 'consumer' in terms of the CPA, health care practitioners may find themselves as 'suppliers' or 'retailers' as part of a supply chain, and potentially liable for harm and loss suffered by a patient in terms of the new no-fault liability provision. The claimant (patient) can sue anyone in the supply chain in terms of this provision, which places the health care practitioner who delivered the care in a very difficult position, as he or she is the most easily and often only identifiable person in the supply chain. Although the causal link between the harm suffered by the complainant will still need to be established on a balance of probabilities, the traditional common law obstacle requiring proof of negligence no longer applies. The article argues that this situation is unsatisfactory, as it places an increasingly onerous burden on certain health care practitioners.

Litigation against dermatosurgeons and cosmetologists and consumer protection act

Directory of Open Access Journals (Sweden)

Neerja Puri

2013-01-01

Full Text Available The concept of beauty has acquired new dimensions due to the increasing awareness in general public about the aesthetic procedures. The problems between the patient and the cosmetologists arise when the patients expectations become very high and unrealistic. The classical concept of doctor – patient relationship born in the golden days of family physicians has undergone drastic change due to dramatic advancement in medical technology, availability of sophisticated imaging system, high tech electronics and preponderance of new diseases. However, the accountability of the doctors under the law of professional negligence has emerged as a debatable issue among the medical fraternity all over the country after the enactment of the consumer protection act, 1986, which has not only changed the law of medical negligence1, but created an inexpensive and speedy remedy against medical malpractice.

Education – Determinant of Consumer`s Conditions in an Era of Technological Change

Directory of Open Access Journals (Sweden)

Cristina Burghelea

2014-05-01

Full Text Available In the era of technological change, consumers face an environment increasingly complex, leading to significant challenges regarding buying and consuming choices and consumer protection. The most important and most influential technological changes in terms of the impact on the consumer, are iduced by internet, digitization and globalization. However, the era of technological change also means developing biotechnologies, nanotechnologies, new materials and new energy sources, all these changing people`s lives, living conditions, their needs and their behaviour as consumers. The literature highlights the factors that influence purchasing behaviour and changes manifested in terms of values, stressing the importance of promoting and protecting consumer`s rights and interests, The new responsible consumer can become a key driving force of sustainable development only if it is able to capitalize on new opportunities and to counter new risks of modern marketing technologies based on the Internet and mobile communications. This involves the assimilation of new knowledge throughout life to keep up with the accelerating pace of technological innovation and diffusion of e-commerce solutions and mobile commerce. We study the correlation between the composite index of consumer conditions and the level of participation in lifelong learning programmes in some Member States, based on secondary analysis of the data available at EU level,. The results confirm that the consumer`s situation is better in countries where the level of participation in lifelong learning programmes is higher. At the same time, however, the correlation is not linear. This shows that the consumer`s situation does not depend exclusively on formal continuing education but also other factors such as timeliness and severity of legal and institutional framework of consumer protection, the acquisition of knowledge through informal means, the requirement of different customers in different

A garland for consumers: Will the Garland case provide safeguards for vulnerable consumers?

International Nuclear Information System (INIS)

Reid, H.

2000-01-01

In Garland versus Consumer Gas, the Supreme Court of Canada in October 1998 ruled that the late payment penalties (LPP) charged by Consumer Gas constitute a criminal interest rate, contrary to Section 347 of the Criminal Code. The decision was unexpected in as much as the LPP had been continuously approved by the Ontario Energy Board since its adoption in 1975. This case is used here as an illustration of how consumers, who possess little bargaining power, may be protected from usurious penalties and charges for late payment. An examination of the legislative history surrounding the adoption of Section 347 of the Criminal Code, and a review of relevant Canadian case law with emphasis on the Supreme Court's reasoning with respect to the LPP in the Garland case, is followed by a comparison of Canadian experience with consumer protection in the United States and the United Kingdom. Policy implications of the Garland case from a consumer perspective are examined in general, and in terms of various industries as may be found in policy statements of specific companies. Recommendations are offered suggesting actions that may be taken to further protect consumers from exploitative credit arrangements.48 refs

Unpacking the Right to plain and understandable Language in the Consumer Protection Act 68 of 2008

Directory of Open Access Journals (Sweden)

Philip N Stoop

2013-12-01

Full Text Available The Consumer Protection Act 68 of 2008 came into effect on 1 April 2011. The purpose of this Act is, among other things, to promote fairness, openness and respectable business practice between the suppliers of goods or services and the consumers of such good and services. In consumer protection legislation fairness is usually approached from two directions, namely substantive and procedural fairness. Measures aimed at procedural fairness address conduct during the bargaining process and generally aim at ensuring transparency. Transparency in relation to the terms of a contract relates to whether the terms of the contract terms accessible, in clear language, well-structured, and cross-referenced, with prominence being given to terms that are detrimental to the consumer or because they grant important rights. One measure in the Act aimed at addressing procedural fairness is the right to plain and understandable language. The consumer’s right to being given information in plain and understandable language, as it is expressed in section 22, is embedded under the umbrella right of information and disclosure in the Act. Section 22 requires that notices, documents or visual representations that are required in terms of the Act or other law are to be provided in plain and understandable language as well as in the prescribed form, where such a prescription exists. In the analysis of the concept “plain and understandable language” the following aspects are considered in this article: the development of plain language measures in Australia and the United Kingdom; the structure and purpose of section 22; the documents that must be in plain language; the definition of plain language; the use of official languages in consumer contracts; and plain language guidelines (based on the law of the states of Pennsylvania and Connecticut in the United States of America.

Consumer in insurance law

Directory of Open Access Journals (Sweden)

Čorkalo Milena

2016-01-01

Full Text Available The paper analyses the notion of consumer in the European Union law, and, in particular, the notion of consumer in insurance law. The author highligts the differences between the notion of consumer is in aquis communautaire and in insurance law, discussing whether the consumer can be defined in both field in the same way, concerning that insurance services differ a lot from other kind of services. Having regarded unequal position of contracting parties and information and technical disadvantages of a weaker party, author pleads for broad definition of consumer in insurance law. In Serbian law, the consumer is not defined in consistent way. That applies on Serbian insurance law as well. Therefore, the necessity of precise and broad definition of consumes is underlined, in order to delimit the circle of subject who are in need for protection. The author holds that the issue of determination of the circle of persons entitled to extended protection as consumers is of vital importance for further development of insurance market in Serbia.

The Unfair Commercial Practices Directive and Vulnerable Consumers

DEFF Research Database (Denmark)

Trzaskowski, Jan

the economic behaviour of consumers ‘below 1 average’ even though the practice does not meet the requirements of professional diligence. The Directive’s adoption of the European Court of Justice’s ‘average consumer’ entails that protection is generally provided only for those who are far from vulnerable......Consumer protection is deeply anchored in EU law, including the Treaty and the Charter of Fundamental Rights. This article discusses the concept of consumer vulnerability and how vulnerable consumers are protected in the context of commercial practices which is fully harmonised by the Unfair....... The Directive’s Article 5(3) concerning vulnerable consumers protects only—and to a limited extent—groups who are vulnerable due to mental or physical infirmity, age or credulity. Even though consumers make many good choices, all consumers are vulnerable in certain situations—often due to time constraints...

Protecting consumer interests in Alberta's deregulated electricity market

International Nuclear Information System (INIS)

Bradford, J.A.

2003-01-01

This paper explains why the province of Alberta decided to deregulate its electricity sector. In the early 1990s, electricity rates were reasonable in Alberta, there was no utility debt, and electricity costs were low. In 1994 California's open access transmission system suggested that open markets would result in lower electricity rates and attract new economic activity. The government of Alberta also believed that competitive markets would set prices with no need for economic regulation. In the initial transition to competition, regulated electricity rates were offered to customers who were not ready to switch to the new competitive market. The RRO rate was set by the Alberta Energy and Utilities Board (EUB). The rates included the forecasted cost of purchasing energy from markets, cost of system access, and retail service costs. The end of the RRO rate was scheduled for 2005 when the market was expected be well developed. This paper also describes other protection mechanisms for consumers. Alberta's new electricity policy (NEP) eliminates generator participant costs related to transmission. EUB's zonal interconnection charges are also overruled along with the EUB-approved 50/50 division of transmission costs. Under the NEP, the ISO is to build transmission in anticipation of new generation. Consumers will fund the total cost to build new transmission capacity for exports and imports. This new transmission policy is a complete change from the original government policy which allocated some transmission costs to generators. The sudden change in policy was due to pressure from oil sands producers and oil sands co-generation developers. The claimed benefit to Albertans is a 25 per cent reduction in pool price and greater system reliability. However, the author cautioned that government interference with competitive electricity markets will cripple the electric power industry in the foreseeable future because it interferes with market prices

The Report of the National Invitational Conference on Consumer Protection in Postsecondary Education. Report No. 53.

Science.gov (United States)

Education Commission of the States, Denver, CO.

This report covers the background, major issues, major recommendations, and agencies and associations represented at the National Invitational Conference on Consumer Protection in Postsecondary Education held at Denver, Colorado in June 1974. Major recommendations of the conference suggest that: (1) The states should provide by legislation or by…

Legislative changes in the field of consumer collective redress

Directory of Open Access Journals (Sweden)

Babović Branka

2014-01-01

Full Text Available Subject of this paper is the comparative analysis of the system of collective redress in the field of consumer protection contained in the Law on Consumer Protection from 2010 and the new Law on Consumer Protection from 2014. While the previous Law on Consumer Protection contained the provisions on collective redress in litigation proceedings, the new Law on Consumer Protection provided for collective redress in administrative proceedings. Therefore, analysis of advantages and disadvantages of both systems is provided, limited to: (i meaning of the collective interest, (ii dispersion of the motion for collective redress in Serbian law and (iii analysis of requests which could have been raised in the litigation proceedings and scope of protection granted in administrative proceedings.

PROTECTION OF CONSUMERS THROUGH THE PRISM OF THE OMBUDSMAN

Directory of Open Access Journals (Sweden)

Elena Gjorgonoska Manevska

2015-10-01

Full Text Available In chain production - trade appear more entities: manufacturers, distributors, retailers and direct consumers. If relations between them simplify, we can conclude that the most important link in this chain are consumers. We could say that everything happens precisely to meet the needs of consumers (although for certain types of production or ranking military industry for example, the arms trade and so on. This certainly can not say. Consumer is every one for you or your family supply certain products or using certain services. This broad definition allows each of us can put ourselves in the category of consumer. Consumers are the largest group in the world. Using the principle of deduction, we can conclude - when a group is considered most important and is the most numerous, it should be the most powerful in certain social relations.

The Principles of the Consumer Right Protection in Electronic Trade: A Comparative Law Analysis

OpenAIRE

Elena Anatolyevna Kirillova, Elena Anatolyevna Shergunova1, Elena Stepanovna Ustinovich, Nikolay Nikolaevich Nadezhin, Lyubov Borisovna Sitdikova

2017-01-01

This paper investigates the speci嘜cs of electronic trade and the issues of protecting the rights of online-consumers, considers their rights and obligations, since we all face a radically new phenomenon in the sphere of trade – An unprecedented boom of electronic trade (e-commerce), based on the use of the Internet for concluding transactions and operations in the systems of wholesale and retail trade. The means of electronic communication provide broad opportunities for direct co...

[Light protection: principles of UV protection].

Science.gov (United States)

Stege, H; Mang, R

2006-05-01

UV radiation is responsible for the induction of epithelial and melanocytic skin cancer, photoaging, and photodermatoses. UV protection is necessary to prevent damage caused by non-physiologic exposure. UV protection includes not only reduction of sun exposure but also use of sun protective filters, UV protective clothes, DNA repair enzymes, and antioxidant supplementation. Consumers are uncertain about the possibilities and limitations of commercial sun protection measures. Dermatologists must explain protective measures to the general public which continues to believe that UV-tanned skin is healthy. The sunscreen market is a highly competitive but lucrative market. The range of products with different designations and promises makes difficult for both consumers and dermatologists to determine what is sensible UV protection.

Consumer and farmer safety evaluation of application of botanical pesticides in black pepper crop protection.

Science.gov (United States)

Hernández-Moreno, David; Soffers, Ans E M F; Wiratno; Falke, Hein E; Rietjens, Ivonne M C M; Murk, Albertinka J

2013-06-01

This study presents a consumer and farmer safety evaluation on the use of four botanical pesticides in pepper berry crop protection. The pesticides evaluated include preparations from clove, tuba root, sweet flag and pyrethrum. Their safety evaluation was based on their active ingredients being eugenol, rotenone, β-asarone and pyrethrins, respectively. Botanical pesticides from Acorus calamus are of possible concern because of the genotoxic and carcinogenic ingredient β-asarone although estimated margins of exposure (MOE) for consumers indicate a low priority for risk management. For the other three botanical pesticides the margin of safety (MOS) between established acute reference doses and/or acceptable daily intake values and intake estimates for the consumer, resulting from their use as a botanical pesticide are not of safety concern, with the exception for levels of rotenone upon use of tuba root extracts on stored berries. Used levels of clove and pyrethrum as botanical pesticides in pepper berry crop production is not of safety concern for consumers or farmers, whereas for use of tuba root and sweet flag some risk factors were defined requiring further evaluation and/or risk management. It seems prudent to look for alternatives for use of sweet flag extracts containing β-asarone. Copyright © 2013 Elsevier Ltd. All rights reserved.

Consumer protection : Federal actions are needed to improve oversight of the household goods moving industry : report to congressional committees

Science.gov (United States)

2001-03-01

The ICC Termination Act of 1995 transferred federal responsibilities for protecting consumers who move their household goods across state lines using commercial moving companies to the Department of Transportation. A 1998 congressional hearing brough...

[Plant protection products and their residues : Aspects of consumer safety in context of the new EU regulations].

Science.gov (United States)

Banasiak, U; Michalski, B; Pfeil, R; Solecki, R

2010-06-01

The law regulating plant protection products (PPP) in the European Union (EU) was fundamentally revised through the introduction of Regulation (EC) No. 1107/2009 which is due to enter into force on 14 June 2011. EU-wide harmonized maximum residue levels (MRLs) for the active substances of PPP in foods are laid down in Regulation (EC) No. 396/2005 and apply since entry into force of the regulation on 1 September 2008. The goal of both regulations is to strengthen the level of consumer protection. PPP are subject to a strict assessment of active substances, which is regulated at the EU level as well as an authorization procedure in the EU Member States. Prior to application for authorization of a PPP, the active substance(s) it contains must be included in a positive list. Tests regarding the toxicity and residue behavior of PPP must be conducted by the applicant, and the respective documents must be submitted to the authorities for evaluation. Following review of the required data, toxicological threshold values are derived, consumer exposure is assessed, and the risk to health is evaluated. The goal of this evaluation is to ensure that the use of PPP according to good plant protection practice does not have any harmful effects on human health.

76 FR 35721 - Consumer Leasing

Science.gov (United States)

2011-06-20

... 213 Advertising, Consumer leasing, Consumer protection, Federal Reserve System, Reporting and... contains regulatory documents #0;having general applicability and legal effect, most of which are keyed #0...

[Legislative and legal security of supervisory activities in the sphere of protection of consumers' rights and human well-being].

Science.gov (United States)

Rumiantsev, G I; Kutsenko, G I; Polesskiĭ, V A

2007-01-01

Sanitary legislation plays an important role in supervisory activities ensuring the protection of consumers' rights and human well-being. The paper considers the basic laws and standard acts allowing for legal regulation in this sphere of activities.

Mass spectrometry in grape and wine chemistry. Part II: The consumer protection.

Science.gov (United States)

Flamini, Riccardo; Panighel, Annarita

2006-01-01

Controls in food industry are fundamental to protect the consumer health. For products of high quality, warranty of origin and identity is required and analytical control is very important to prevent frauds. In this article, the "state of art" of mass spectrometry in enological chemistry as a consumer safety contribute is reported. Gas chromatography-mass spectrometry (GC/MS) and liquid-chromatography-mass spectrometry (LC/MS) methods have been developed to determine pesticides, ethyl carbamate, and compounds from the yeast and bacterial metabolism in wine. The presence of pesticides in wine is mainly linked to the use of dicarboxyimide fungicides on vineyard shortly before the harvest to prevent the Botrytis cinerea attack of grape. Pesticide residues are regulated at maximum residue limits in grape of low ppm levels, but significantly lower levels in wine have to be detected, and mass spectrometry offers effective and sensitive methods. Moreover, mass spectrometry represent an advantageous alternative to the radioactive-source-containing electron capture detector commonly used in GC analysis of pesticides. Analysis of ochratoxin A (OTA) in wine by LC/MS and multiple mass spectrometry (MS/MS) permits to confirm the toxin presence without the use of expensive immunoaffinity columns, or time and solvent consuming sample derivatization procedures. Inductively coupled plasma-mass spectrometry (ICP/MS) is used to control heavy metals contamination in wine, and to verify the wine origin and authenticity. Isotopic ratio-mass spectrometry (IRMS) is applied to reveal wine watering and sugar additions, and to determine the product origin and traceability.

THE CONSUMER PROTECTION ACT 68 OF 2008 AND PROCEDURAL FAIRNESS IN CONSUMER CONTRACTS

Directory of Open Access Journals (Sweden)

Philip N Stoop

2015-11-01

Full Text Available In general, the concept "contractual fairness" can be narrowed down, described and analysed with reference to the two interdependent types of fairness – substantive and procedural fairness. Measures aimed at procedural fairness in contracts address conduct during the bargaining process and generally aim at ensuring transparency. One could say that a contract is procedurally fair where its terms are transparent and do not mislead as to aspects of the goods, service, price and terms. Despite the noble aims of legislative measures aimed at procedural fairness there are certain limits to the efficacy of procedural measures and transparency. The special procedural measures which must be considered in terms of the Consumer Protection Act 68 of 2008 in order to decide if a contract is fair are analysed in this article, as are other measures contained in the Act, which may also increase procedural fairness, and are discussed so as to allow suppliers to predict whether their contracts will be procedurally fair or not in terms of the Act. The special procedural measures can be categorised under measures requiring disclosure and/or mandatory terms, and measures addressing bargaining position and choice. It is concluded that owing to the nature of all these factors and measures related to procedural fairness, it is clear that openness and transparency are required by the CPA.

To be or not to be an auctioneer: Some thoughts on the legal nature of online eBay auctions and the protection of consumers

OpenAIRE

Riefa, C

2008-01-01

This paper discusses the legal classification of online “eBay” auctions. The discussion has key implications on the scope of consumer protection law as sale by auctions are, for example, excluded from the scope of the Consumer Protection (Distance Selling) Regulations 2000. The paper uncovers that online “eBay” auctions cannot always be considered as traditional auctions and that eBay, as an intermediary, is not to be considered as an auctioneer. This creates difficulties associated with a di...

Radiation protection of the public in respect of consumer goods containing radioactive substances

International Nuclear Information System (INIS)

1984-01-01

The use of consumer goods containing radioactive substances makes a contribution to the total exposure of man to ionizing radiation. This contribution is explicitly recognized in Section II of the Basic Safety Standards established pursuant to Article 30 of the Euratom Treaty for the health protection of the general public and workers against the dangers of ionizing radiation, first published in 1959 and most recently revised 15 July 1980. Nevertheless, the Standards are of a general nature and need to be expanded on to be of practical application in this field. National authorities must have additional information in order to attain in full the objectives stated in them. This guide has been prepared with these considerations in mind. The guide is not a set of regulations but is better described as a code of practice, drawn up by specialists and approved by the scientific experts in the field of radiological protection and public health appointed under Article 31 of the Euratom Treaty

Consumer protection and internet shopping

OpenAIRE

Blažková, Lenka

2010-01-01

The diploma thesis is devoted to the issue of online shopping. Its aim is to analyze internet shopping and see the rights and obligations of consumers and sellers, which are based on current legislation. The thesis is divided into two parts. The theoretical part deals with purchase over the internet and its regulations. There are explained the concepts internet, e-business and e-commerce and indicate the types of e-business and is mentioned certification of online stores. The practical part i...

Consumer Rights in the ICT Sector in Eastern and Southern Africa ...

International Development Research Centre (IDRC) Digital Library (Canada)

Extrants. Rapports. Consumer protection rights - ICT : Mauritius research report. Rapports. IDRC research programme on consumers rights in the ICT sector : consumer rights - an African perspective. Rapports. Consumer protection : CRREA Rwanda. Rapports. Customer Service by MTML : CRREA Mauritius workshop ...

12 CFR Appendix A to Part 343 - Consumer Grievance Process

Science.gov (United States)

2010-01-01

... POLICY CONSUMER PROTECTION IN SALES OF INSURANCE Pt. 343, App. A Appendix A to Part 343—Consumer... Consumer Protection (DSC), Federal Deposit Insurance Corporation, at the following address: 550 17th Street... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Consumer Grievance Process A Appendix A to Part...

Consumer Handbook to Credit Protection Laws.

Science.gov (United States)

Board of Governors of the Federal Reserve System, Washington, DC.

The five sections of this consumer handbook are The Cost of Credit, Applying for Credit, Credit Histories and Records, Correcting Credit Mistakes, and Complaining about Credit. Each section discusses relevant legislation: Truth in Lending, the Equal Credit Opportunity Act, and the Fair Credit Reporting Act. Topics discussed in section I include…

NCTA v. FCC - Do Commercial Free Speech Justifications Trump Consumers' Personal Data Protection Rights? Answer To Shape Mobile Advertising Industry

DEFF Research Database (Denmark)

Cleff, Evelyne Beatrix; King, Nancy J.

2010-01-01

's right to communicate with their customers. Considering privacy risks associated with advances in computer technology, the complexities of modern information processing and evolving mobile advertising (m-advertising) practices, privacy regulations should not be equated with unwarranted speech regulations...... balance between protecting consumers' information privacy in an era of pervasive data processing and protecting the rights of marketers to engage in protected commercial free speech that involves using customers' personal information. A ruling against the FCC would have limited the use of government...... to support the growth of the global mobile advertising (m-advertising) industry....

Predicting intentions to consume functional foods and supplements to offset memory loss using an adaptation of protection motivation theory.

Science.gov (United States)

Cox, D N; Koster, A; Russell, C G

2004-08-01

The widespread use of dietary supplements and so-called 'functional foods' is thought to be partially motivated by self-control of health. However, whilst consumers want foods associated with well-being or disease prevention, they are unlikely to be willing to compromise on taste or technology. This presents a dilemma for promoters of functional foods. Middle-aged consumers' intentions to consume functional foods or supplements that may improve memory were tested within an adaptation of Protection Motivation theory (PMT). Participants evaluated text descriptions of four products described as: having an unpleasant bitter taste (Natural-FF); having 'additives' to reduce bitterness (Sweetened-FF); being genetically modified to enhance function (GM-FF) and Supplements. Participants were recruited as being of high and low perceived vulnerability to memory failure. In total, 290 middle-aged consumers (aged 40-60 years) participated in the study. Motivations to consume the GM-FF were the lowest. There were gender differences between intention to consume the supplements, Natural-FF and Sweetened-FF and product differences within genders. Women were less favourable than men in their attitudes towards genetic modification in general. Regression analyses indicated that PM predictors of intention to consume functional foods or supplements explained 59-63% of the variance (R2). Overall, perceived 'efficacy' (of the behaviour) and self-efficacy were the most important predictors of intentions to consume.

77 FR 65775 - Defining Larger Participants of the Consumer Debt Collection Market

Science.gov (United States)

2012-10-31

... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1090 [Docket No. CFPB-2012-0040] RIN 3170-AA30... Protection. ACTION: Final rule. SUMMARY: The Bureau of Consumer Financial Protection (Bureau) amends the... issuing the final rule pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act. That law...

Consumer Rights in the ICT Sector in Eastern and Southern Africa ...

International Development Research Centre (IDRC) Digital Library (Canada)

Extrants. Études. Consumer protection rights - ICT : Mauritius research report. Études. IDRC research programme on consumers rights in the ICT sector : consumer rights - an African perspective. Études. Consumer protection : CRREA Rwanda. Études. Customer Service by MTML : CRREA Mauritius workshop ...

Service quality in consumer's credit branch

OpenAIRE

Blechová, Věra

2008-01-01

The diploma thesis deals with consumer's credit grants of banking and non-banking corporations and comparison of their service quality. The first part of research is dedicated to consumer's knowledge of credit issues. Second describes main difficulties of consumer's credit grants of banking and non-banking corporations and proves their use of unfair manners. The final part of thesis propose improvements, which will boost consumer's protection on field of consumer's credits.

The rights of patients as consumers: An ancient view.

Science.gov (United States)

Barapatre, Nishant Bhimraj; Joglekar, Vishnu Prabhakar

2016-01-01

As far as the rights of consumers are concerned, the International Organization of Consumer's Union (IOCU) in 1983 has specified about the eight rights of a consumer. The Consumer Protection Act (CPA), 1986 then prescribed six "Rights of Consumers," which are protected under the act. However, these rights can be observed in the ancient Indian texts such as Brihat-trayee , Narad Smruti , and Kautilya Arthashastra ., in the form of rights given to patients. For the purpose of present study, the implemented methodology includes - (1) study of the consumer rights described by IOCU and CPA, (2) detailed review of literature for observance of replication of these consumer rights in the ancient Indian texts and (3) a comparative study of the present consumer rights with the rights of patients observed in ancient Indian texts. This study shows that the substance of consumer rights is not a recent evolution, but the foundation of these rights has been laid well beforehand in the ancient times, which were provided to the patients by medical profession as well as by the rulers. The current scenario of protection of consumer rights is the replication of this ancient practice only.

Competition and Consumer Behavior in the Context of the Digital Economy

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Elena-Mădălina Vătămănescu

2017-05-01

Full Text Available The current paper aims to investigate the relation between competition and online purchasing decision-making, integrating consumer protection awareness and the corresponding consumer behavior as mediators. The focus is on both subjective and objective measures related to the level of consumer awareness and action in a fast-growing competition, potentiated by the digital economy. In order to investigate the relations between the aforementioned concepts, a questionnaire-based survey was conducted, using a sample of 257 students from three top Romanian universities. Based upon the theoretical directions presented in the literature review, a conceptual model was elaborated and tested by employing a partial least squares structural equation modeling technique. As the examination of the structural model indicated, online purchasing decision-making is indirectly influenced by the high competition in the digital economy, by means of consumer protection awareness and consumer protection behavior. At this level, the analyzed factors, namely the competition in the digital economy, the consumer protection awareness and the consumer behavior with respect to the consumer protection policies, explain over 16% in the variance of the online purchasing decision-making.

12 CFR 561.12 - Consumer credit.

Science.gov (United States)

2010-01-01

...; loans in the nature of overdraft protection; and credit extended in connection with credit cards. ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Consumer credit. 561.12 Section 561.12 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.12 Consumer credit. The term consumer credit means credit extended...

Green power certification: environmental and consumer protection benefits of the Green-e programme

Energy Technology Data Exchange (ETDEWEB)

Wingate, M.; Hamrin, J. [Center for Resource Solutions (United States); Rabago, K. [Rocky Mountain Inst. (United States); Wiser, R. [Lawrence Berkeley National Lab. (United States)

2000-06-01

This article gives details of the Green-e environmental certification programme which certifies electricity generated from renewable energy sources in the US. This first non-profit certification programme originally was set up for California, and has now spread to other regions. The objectives of the Green-e programme, the need for the electricity product to meet minimum criteria to qualify, marketer requirements, verification of product claims, administration of the programme, and the second year programme results are discussed. The way in which the Green-e programme fits in with other programmes such as those set up by the state and federal customer protection agencies to help consumers select environmentally superior power is described.

77 FR 69735 - Consumer Leasing (Regulation M)

Science.gov (United States)

2012-11-21

... Part 213 Advertising, Consumer leasing, Consumer protection, Federal Reserve System, Reporting and recordkeeping requirements. 12 CFR Part 1013 Advertising, Consumer leasing, Reporting and recordkeeping... contains regulatory documents #0;having general applicability and legal effect, most of which are keyed #0...

The Legal Framework of the Consumer Associations in the Romanian Consumer Law

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Juanita GOICOVICI

2009-06-01

Full Text Available This study is an analysis of the main legalaspects related to the activity of consumerassociations, seen as promoters of collectiveinterests of their members, in the RomanianConsumer Law. As a social partner of the publicadministration’ organisms, these associations playthree kinds of roles: (1 representing the consumersin the organisms of public administration;(2 informing and advising their members inquestions related to the purchase of products orthe supply of services; (3 taking legal actionsin order to obtain the protection of a collectiveinterest of consumers or the cessation of a illegalcommercial practice. This article also stresses theimportance of non governmental organizations ofconsumers’ right to be consulted by the PublicAdministration’ representatives, in the process ofelaborating legal norms and procedures relatedto consumers’ protection. The non governmentalorganizations of consumers are entitled to betreated as social partners, while representing theirmembers in the specialized organisms, at a nationalor local level, in which the Public Administrationauthorities are represented.

Consumer Rights in the ICT Sector in Eastern and Southern Africa ...

International Development Research Centre (IDRC) Digital Library (Canada)

Empowering regulators to protect consumer rights in the ICT sector : qualitative research for Rwanda; December 2010, PSCBS meeting room. Download PDF. Studies. Consumer protection rights - ICT : Mauritius research report. Download PDF. Studies. IDRC research programme on consumers rights in the ICT sector ...

Consumer Legislation and E-Commerce Challenges

Directory of Open Access Journals (Sweden)

Jason Freeman

2015-07-01

Full Text Available Where there is vigorous competition, and consumer confidence, there is economic growth. E-commerce drives both of these but there remain situations where traders exploit technology or consumer behavioural biases, and seek to compete on the wrong things –such as unrealistic up front prices. This harms competition and can reduce consumer trust, meaning that consumers consume less. This could occur when traders: i prevent consumers from accessing, assessing or acting on information, and so make the wrong choice; ii take advantage of their superior understanding of technology to collect data or money from consumers; iii abuse the advantages of the internet (ease of set up, cross jurisdictional reach, access to markets to misrepresent the price, the quality, the range of products on offer, or the service you will get.Firms should therefore behave responsibly, and not seek to steal an unfair march on their competitors. Effective enforcement incentivises the right behaviours. In order to enforce effectively, EU agencies need to prioritise robustly and build strong competence in internet investigation. Increasingly enforcement activities need to be run as international projects involving non EU enforcers and industry allies –and we need to be willing to protect overseas consumers as well as our own. It is important that the legal framework facilitates, rather than hinders, enforcement –so that for example investigators can easily discover the true identity of traders who run anonymous websites, that they are able to carry out covert test purchases, and so that websites causing harm to the economic interests of consumers can swiftly be removed.There are a number of areas where the EU legislator should consider further work, in order to address those persistent threats that have proven difficult to eradicate so far: clarifying the scope of platform responsibility; extending consumer protection to all individuals; ensuring all CPC enforcers have

Multiple organ failure - death of consumer protection?

Science.gov (United States)

Steinman, H A; Jobson, M R

2010-07-15

The enormously profitable complementary medicines, dietary supplements and traditional medicines markets are largely unregulated internationally and South Africa. Attempts to ensure that consumers are not exposed to harmful or ineffective products have met with varying success around the world.

77 FR 10725 - Establishment of the Consumer Advisory Board and Solicitation of Nominations for Membership

Science.gov (United States)

2012-02-23

... the Bureau's functions under the Federal consumer financial protection laws, and which will provide... BUREAU OF CONSUMER FINANCIAL PROTECTION Establishment of the Consumer Advisory Board and Solicitation of Nominations for Membership AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice...

Consumer risk perceptions toward agricultural biotechnology, self-protection, and food demand: the case of milk in the United States.

Science.gov (United States)

Zepeda, Lydia; Douthitt, Robin; You, So-Ye

2003-10-01

This study is an econometric systems approach to modeling the factors and linkages affecting risk perceptions toward agricultural biotechnology, self-protection actions, and food demand. This model is applied to milk in the United States, but it can be adapted to other products as well as other categories of risk perceptions. The contribution of this formulation is the ability to examine how explanatory factors influence risk perceptions and whether they translate into behavior and ultimately what impact this has on aggregate markets. Hadden's outrage factors on heightening risk perceptions are among the factors examined. In particular, the article examines the role of labeling as a means of permitting informed consent to mitigate outrage factors. The effects of attitudinal, economic, and demographic factors on risk perceptions are also explored, as well as the linkage between risk perceptions, consumer behavior, and food demand. Because risk perceptions and self-protection actions are categorical variables and demand is a continuous variable, the model is estimated as a two-stage mixed system with a covariance correction procedure suggested by Amemiya. The findings indicate that it is the availability of labeling, not the price difference, between that labeled milk and milk produced with recombinant bovine Somatotropin (rbST) that significantly affects consumer's selection of rbST-free milk. The results indicate that greater availability of labeled milk would not only significantly increase the proportion of consumers who purchased labeled milk, its availability would also reduce the perception of risk associated with rbST, whether consumers purchase it or not. In other words, availability of rbST-free milk translates into lower risk perceptions toward milk produced with rbST.

Promoting educated consumer choices

DEFF Research Database (Denmark)

Edinger, Wieke Willemijn Huizing

2016-01-01

Contemporary EU food information legislation combines and balances two main consumer interests, i.e., a consumer right to information and the freedom of choice, into one single protective standard: informed choice. Although the recent legislative measures quite openly establish a link between...... informed choice and the rather abstract societal norm of “what is good for the consumer,” this does not justify the conclusion that food information legislation has become overly meddlesome in relation to EU consumers and their choice of food. Rather, there has been a gradual maturing of the EU legislator......’s perception of its task from the mere provision of food information to ensuring educated consumer choices. This development is a logical and necessary consequence of the growing complexity of food choices....

Knowledge and awareness of Consumer Protection Act among private dentists in Tricity, Punjab.

Science.gov (United States)

Gambhir, Ramandeep Singh; Dhaliwal, Jagjit Singh; Anand, Samir; Bhardwaj, Arvind

2015-01-01

Consumer Protection Act (CPA) aims to protect the interests of the patients in case of any unethical treatment rendered by a medical or a dental health professional. The present study was conducted to assess knowledge and awareness of CPA among dental professionals in a Tricity in India. A cross-sectional study was conducted among 265 private dental practitioners in Tricity. A close-ended self-structured questionnaire was administered which contained 15 questions on knowledge and awareness regarding CPA. Categorization of knowledge scores was done at three levels-low, medium and high. Statistical analysis was done using ANOVA and Student t-test. 54.7% (145) of subjects were having low knowledge scores, 23.3% (62) had a medium score and 21.8% (58) had a high score. Mean knowledge score according to educational level was statistically significant (P 0.05). The results of the present study showed that majority of the subjects were aware of the existence of CPA but knowledge regarding basic rules and regulations was lacking in few studies. Therefore, dental professionals need to keep them updated of various rules and latest amendments to save themselves from any litigation.

Knowledge and awareness of Consumer Protection Act among private dentists in Tricity, Punjab

Directory of Open Access Journals (Sweden)

Ramandeep Singh Gambhir

2015-01-01

Full Text Available Background: Consumer Protection Act (CPA aims to protect the interests of the patients in case of any unethical treatment rendered by a medical or a dental health professional. The present study was conducted to assess knowledge and awareness of CPA among dental professionals in a Tricity in India. Materials and Methods: A cross-sectional study was conducted among 265 private dental practitioners in Tricity. A close-ended self-structured questionnaire was administered which contained 15 questions on knowledge and awareness regarding CPA. Categorization of knowledge scores was done at three levels-low, medium and high. Statistical analysis was done using ANOVA and Student t-test. Results: 54.7% (145 of subjects were having low knowledge scores, 23.3% (62 had a medium score and 21.8% (58 had a high score. Mean knowledge score according to educational level was statistically significant (P 0.05. Conclusion: The results of the present study showed that majority of the subjects were aware of the existence of CPA but knowledge regarding basic rules and regulations was lacking in few studies. Therefore, dental professionals need to keep them updated of various rules and latest amendments to save themselves from any litigation.

Characteristics and consequences of consumer society

Directory of Open Access Journals (Sweden)

Trandafilović Igor

2015-01-01

Full Text Available This paper's aim is studying the term of consumer society and its characteristics as well as its consequences on the community as a whole. Nowadays, a consumer is no longer a passive observer but an active participant. As the consumer's role has changed in the modern market, a new approach to marketing is required by companies. The term 'consumer society' entails defining consumerism in more detail as it has been used refer to the consumerists movement or movement for consumer rights protection. In another context, consumerism refers to the so-called consumer mentality.

An Effective Supervision Model of a Standard Clause for Consumer Protection in the Business Transactions

Directory of Open Access Journals (Sweden)

M. Syamsudin

2017-03-01

Full Text Available This research aims to form an effective supervision model of a standard clause to protect consumer’s rights and interests. This study answers the questions the effectiveness of a standard clause supervision carried out by Otoritas Jasa Keuangan [Financial Services Authority (OJK] and Badan Penyelesaian Sengketa Konsumen [Consumer Dispute Settlement Agency (BPSK]; effective supervision model of a standard clause which can protect the rights and interest of the consumer. The object of this study are OJK and BPSK as a supervision of a standard clause. The result of this research shows that the supervision of standard clause done by those institutions has not been effective yet, this caused by several factors to wit the weakness of implementing regulation in terms of supervision, unclear supervision mechanism, the weakness of socialization related to the rules of standard clause towards business actors, and other weakness and obstacles faced by both institutions. The effective supervision model of standard clause is being formed that based on five points, namely: (1 the needs of institution/agency reformation who authorize to do supervision of standard clause; (2 the needs to determine the scope of duty and authority of standard clause supervision institution; (3 the needs of determination of material range about standard clause subjected to supervision which comprises: the content, the form, the position and the expression; (4 the needs of precise mechanism of standard clause supervision conducted by supervision institution; (5 the needs of following up the supervision results, especially to the business actors who break the standard clause rules.

NCTA v. FCC - Do Commercial Free Speech Justifications Trump Consumers' Personal Data Protection Rights? Answer To Shape Mobile Advertising Industry

DEFF Research Database (Denmark)

Cleff, Evelyne Beatrix; King, Nancy J.

2010-01-01

telecommunication carriers' personal data sharing practices in order to protect their customers' data privacy when the regulation restricts use of the data for marketing purposes. In this case National Cable and Telecommunications Association (NCTA) challenged a new Federal Communications Commission (FCC) rule...... requiring carriers to obtain customers' advance approval before releasing their telephone record information for marketing purposes. NCTA claimed the FCC's new opt-in rule violates companies' First Amendment right to engage in commercial speech. At stake in this appeal was the constitutionally required...... balance between protecting consumers' information privacy in an era of pervasive data processing and protecting the rights of marketers to engage in protected commercial free speech that involves using customers' personal information. A ruling against the FCC would have limited the use of government...

A Study on the Developmental Issues of Consumer Protection in Turkey = Türkiye'de Tüketicinin Korunması Hakkındaki Gelişimle İlgili Konular Üzerine bir Çalışma

Directory of Open Access Journals (Sweden)

Gül AYGEN

2005-01-01

Full Text Available The purpose of this article is to share the findings of a study concerned with the developmental issues of consumer protection in our country from the perspective of consumers. Views and opinions of consumers with respect to the general subject of consumer protection are believed to reveal future expectations related to the subject and also opportunities and limitations we are likely to be confronted with, as a nation, in reaching a better life.

CONSIDERATIONS ON THE RELATIONSHIP BETWEEN PRODUCER AND CONSUMER ON FOOD MARKET

Directory of Open Access Journals (Sweden)

MADALINA DINU

2012-05-01

Full Text Available Perhaps one of the largest legislative climbing in recent years is shaped by the instruments that Romanian legislator puts at hand in order to protect its consumers from potential abuses of the producer. The importance of rules of such liability producer is justified primarily by the fact that a modern democratic society, consumer protection has become an essential part of the whole system of social protection. Moreover, the consumer's right to health and safety of its community is a constitutional principle, a consumer is considered by the Community forums as a new form of citizenship.

Assuring consumer information and protection in the solar market: need, status, strategy

Energy Technology Data Exchange (ETDEWEB)

1981-10-01

In this report the Consumer Energy Council has examined a number of basic issues affecting consumer assurance in the solar market. A general framework has been established to specify the role of consumer assurance as it relates both to government activity and a new consumer product industry. The available empirical evidence has been reviewed to identify the actual needs for consumer assurance in the solar market. By synthesizing the work of the SOLCAN Planning Project participants we have identified both the general thrust of existing consumer assurance mechanisms in the states and the direction that efforts to improve and expand those mechanisms are likely to take. Finally, several brief recommendations for combining the pieces of consumer assurance into an effective overall framework have been put forward.

Tools for Consumer Rights Protection in the Prediction of Electronic Virtual Market and Technological Changes

Directory of Open Access Journals (Sweden)

Mikuláš Gangur

2014-05-01

Full Text Available Electronic virtual markets can serve as an alternative tool for collecting information that is spread among numerous experts. This is the principal market functionality from the operators’ point of view. On the other hand it is profits that are the main interest of the market participants. What they expect from the market is liquidity as high as possible and the opportunity for unrestricted trading. Both the operator and the electronic market participant can be considered consumers of this particular market with reference to the requirements for the accuracy of its outputs but also for the market liquidity. Both the above mentioned groups of consumers (the operators and the participants themselves expect protection of their specific consumer rights, i.e. securing the two above mentioned functionalities of the market. These functionalities of the electronic market are, however, influenced by many factors, among others by participants’ activity. The article deals with the motivation tools that may improve the quality of the prediction market. In the prediction electronic virtual market there may be situations in which the commonly used tools for increasing business activities described in the published literature are not significantly effective. For such situations we suggest a new type of motivation incentive consisting in penalizing the individual market participants whose funds are not placed in the market. The functionality of the proposed motivation incentive is presented on the example of the existing data gained from the electronic virtual prediction market which is actively operated.

Consumer Product Category Database

Data.gov (United States)

U.S. Environmental Protection Agency — The Chemical and Product Categories database (CPCat) catalogs the use of over 40,000 chemicals and their presence in different consumer products. The chemical use...

THE CONSUMER CONCEPT IN G.O. NO. 107/1999 AND G.O. NO. 21/1992. COMPARATIVE APPROACH

Directory of Open Access Journals (Sweden)

Andreea-Teodora STANESCU

2017-07-01

Full Text Available Government Ordinance no. 107/1999 is a normative act with relevance in the field of consumer protection. Thus, according to Article 30, the ordinance is supplemented by GO no. 21/1992 on consumer protection. In this context, it should be noted that the notion of consumer as defined by GO no. 107/1999 is not identical to that used in consumer protection regulations. Thus, contracts for the sale of package travels may be contracts concluded with consumers from the perspective of GO no. 107/1999, but not from the point of view of consumer protection regulations. This study will identify the features of the consumer concept in GO no. 107/1999 and in GO no. 21/1992, as a normative act comprising the common law in the field of consumer protection. By identifying the differences between concepts, this study will exemplify their legal relevance in terms of consumer protection against the introduction of unfair contract terms.

A Consumer's Guide to the Federal Trade Commission.

Science.gov (United States)

Williams, Elizabeth

This publication presents consumer information designed to encourage and facilitate active citizen involvement in Federal Trade Commission (FTC) proceedings. Nine chapters are included, covering (1) the FTC and its impact on consumers (discusses the authority of FTC, the Bureau of Competition, the Bureau of Consumer Protection, and lists FTC…

Implementation of the Ryan Haight Online Pharmacy Consumer Protection Act of 2008. Interim final rule with request for comments.

Science.gov (United States)

2009-04-06

The Ryan Haight Online Pharmacy Consumer Protection Act, which was enacted on October 15, 2008, amended the Controlled Substances Act and Controlled Substances Import and Export Act by adding several new provisions to prevent the illegal distribution and dispensing of controlled substances by means of the Internet. DEA is hereby issuing an interim rule to amend its regulations to implement the legislation and is requesting comments on the interim rule.

77 FR 13959 - National Consumer Protection Week, 2012

Science.gov (United States)

2012-03-08

... States of America A Proclamation Millions of Americans use financial products, including credit cards... family. Yet, irresponsible lending and deceptive practices pose serious risks to consumers and our... clear and concise information they need to make financial decisions, and to encouraging open and honest...

The Draft Directive on Consumer Rights: Choices Made and Arguments Used

Directory of Open Access Journals (Sweden)

Willem H. van Boom

2009-11-01

Full Text Available The 2008 proposal for a Directive on Consumer Rights (hereinafter: the Draft aims at reorganizing the acquis of four specific European directives on consumer protection into a more coherent codification of consumer rights. Specifically, it contains rules on precontractual information duties, on withdrawal rights for distance and off-premises contracts, on consumer sales and on general contract terms in consumer contracts. In replacing the four directives with a minimum harmonization character, the Draft marks a further step towards full harmonization of consumer contract law in Europe. This is an unsettling step because the level of protection offered to consumers in the Draft hardly exceeds the level of protection offered by the four directives mentioned earlier. Instead, it diminishes this protection in some regards. In light of all this, the question arises whether the policy choices underlying the Draft are, in fact, convincingly underpinned by solid argumentation. This article addresses this issue by first analyzing the Draft's use of the generic concept of “contracts between consumers and traders”. It is argued that full harmonization of a badly delineated territory is ill-advised. Subsequently, the argumentative power of the policy considerations forwarded by the European Commission in its Regulatory Assessment Study is tested. The article concludes that the Commission’s assessment of expected costs and benefits of the Draft is waver-thin and geared towards persuading the reader of the aptness of choices already made. In some respects, the evidence presented by the Commission is outright unconvincing. At certain points, the Draft even fuels the reader’s suspicion of foregone conclusions. Overall, the need for reduction of the level of protection offered by the current minimum harmonization directives is poorly argued by the Commission and appears, in a number of important ways, not to reflect the socio-economic relationships that

Food safety and consumer behaviour

DEFF Research Database (Denmark)

Frewer, Lynn; Fischer, Arnout; Scholderer, Joachim

2005-01-01

, consumers may not pay enough attention to some types of food safety issue, such as the risk of food poisoning from microbial contamination, which may at best be debilitating, and at worst fatal (Center for Disease Control and Prevention, 1994). This risk is certainly largely avoidable through taking......Food safety is a priority for many consumers, and there is an expectation throughout society that the food supplied for human consumption is safe and nutritious to eat. Understanding technical risk estimates alone, however, will not explain the risk-related behaviours of consumers. On the one hand...... appropriate risk mitigation measures through the food chain, not least in the domestic kitchen. However, factors related to consumer psychology may increase the risks to consumers as they produce barriers to self-protective behaviours (Frewer & Fischer, in press; Worsfold & Griffith, 1997). In contrast...

Food safety and consumer behaviour

DEFF Research Database (Denmark)

Frewer, Lynn; Fischer, Arnout; Scholderer, Joachim

2005-01-01

Food safety is a priority for many consumers, and there is an expectation throughout society that the food supplied for human consumption is safe and nutritious to eat. Understanding technical risk estimates alone, however, will not explain the risk-related behaviours of consumers. On the one hand......, consumers may not pay enough attention to some types of food safety issue, such as the risk of food poisoning from microbial contamination, which may at best be debilitating, and at worst fatal (Center for Disease Control and Prevention, 1994). This risk is certainly largely avoidable through taking...... appropriate risk mitigation measures through the food chain, not least in the domestic kitchen. However, factors related to consumer psychology may increase the risks to consumers as they produce barriers to self-protective behaviours (Frewer & Fischer, in press; Worsfold & Griffith, 1997). In contrast...

Social Innovation in Consumer Protection in Finance

OpenAIRE

Hyánek, V.; Navrátil, J.; Placier, K.; Akinyi, E. A.; Figueroa, Maria; Alvarez Garcia, B.; Salido-Andres, N.; Sanzo Perez, M. J.; Alvarez Gonzalez, L. I.; Rey-Garcia, M.

2017-01-01

As a subject of this case work within the FP7 EU-funded project ITSSOIN, the growing industry of alternative financial services (AFS) has been selected. The considerably ambivalent phenomenon of AFS can be understood as both representing a socially more embedded and responsible alternative to the traditional banking system (which is during crisis less accessible for lower-income consumers), and as well as potentially threatening concept for those socially vulnerable groups. The field of AFS h...

78 FR 14625 - National Consumer Protection Week, 2013

Science.gov (United States)

2013-03-06

... Security Proclamation 8939--100th Anniversary of the United States Department of Labor Order of March 1..., we established a new unit to combat fraud and investigate the abusive lending and mortgage packaging... across the Federal Government joined with consumer advocates to launch www.NCPW.gov , an online resource...

12 CFR Appendix A to Part 536 - Consumer Grievance Process

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Consumer Grievance Process A Appendix A to Part 536 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN SALES OF INSURANCE Pt. 536, App. A Appendix A to Part 536—Consumer Grievance Process Any consumer who...

12 CFR Appendix A to Part 14 - Consumer Grievance Process

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Consumer Grievance Process A Appendix A to Part 14 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY CONSUMER PROTECTION IN SALES OF INSURANCE Pt. 14, App. A Appendix A to Part 14—Consumer Grievance Process Any consumer who...

Labelling schemes: From a consumer perspective

DEFF Research Database (Denmark)

Juhl, Hans Jørn; Stacey, Julia

2000-01-01

Labelling of food products attracts a lot of political attention these days. As a result of a number of food scandals, most European countries have acknowledged the need for more information and better protection of consumers. Labelling schemes are one way of informing and guiding consumers....... However, initiatives in relation to labelling schemes seldom take their point of departure in consumers' needs and expectations; and in many cases, the schemes are defined by the institutions guaranteeing the label. It is therefore interesting to study how consumers actually value labelling schemes....... A recent MAPP study has investigated the value consumers attach the Government-controlled labels 'Ø-mærket' and 'Den Blå Lup' and the private supermarket label 'Mesterhakket' when they purchase minced meat. The results reveal four consumer segments that use labelling schemes for food products very...

Radiation protection with consumer products containing gaseous tritium light sources

International Nuclear Information System (INIS)

Rahders, Erio; Haeusler, Uwe

2017-01-01

Consumer products containing gaseous tritium light sources (GTLS) were examined with respect to their radiological safety potential regarding leak tightness or accidents. The maximum tritium leakage rate of 2.7 Bq/d determined from experimental testing is well below the criterion for leak tightness of sealed radioactive sources in DIN 25426-4. In order to investigate the incorporation of tritium due to contact with consumer products, 2 scenarios were reviewed; the correct use of a tritium watch and the accident scenario with a keyring.

Ethics in the Institution of Consumers’ Protection

Directory of Open Access Journals (Sweden)

Dan Păuna

2014-04-01

Full Text Available This article aims at emphasizing the level of institutional ethics for the needs of an organization, which is the consumersř protection. By the means of this marketing research which has as a starting point the Fishbein- Rosenberg model, we wish to point out the importance of the main attributes specified by the Law of the Public Servant, whether these can be the basis of the relationship between consumers and economic operators. The institution of consumersř protection acts as an arbitrer in this case and we wish to find out whether these attributes follow the requirements of the relationship between consumer and the institution which protects them.

77 FR 37616 - Disclosure of Consumer Complaint Data

Science.gov (United States)

2012-06-22

... Protection Bureau, at (202) 435-7700. SUPPLEMENTARY INFORMATION: I. Background A. Credit Card Policy... disclosure of data from consumer complaints about financial products and services other than credit cards... Statement'') describing its plans to disclose consumer credit card complaint data. The present notice (the...

Who speaks for the health consumer?

Science.gov (United States)

Fox, Michael H

2008-08-01

Although consumer-directed health care has become a fashionable concept in recent years, stories abound asking whether the so-called free market in health care can provide adequate access to quality health care at an affordable price. In spite of these concerns, consumer-directed health care continues as the face of legitimacy behind an industry-driven campaign to limit regulatory protections of the consumer in the market and encourage the growth of health insurance products that place spending options closer to the consumer, whether or not these options are available, affordable, or easily understood. Understanding whether this empowerment is real begins with first asking what it now means to be a health consumer. This commentary offers perspective on the dilemma faced by millions of Americans in navigating our health care system under the assumption that market-driven choices foster consumer empowerment in health care, and suggests approaches for expanding the true consumer voice.

Discussion on Consumer Rights and Interests Protection in the Era of Internet Finance%互联网金融领域消费者权益保护问题探讨

Institute of Scientific and Technical Information of China (English)

吴朝平

2015-01-01

互联网金融领域消费者权益保护方面的挑战，主要集中于信息安全隐患大、资金安全难保障、消费者维权意识淡薄且维权成本高三方面。为不断加大互联网金融领域消费者权益保护力度，需加强信息安全立法，规范准入门槛，在提升风控要求基础上充分发挥市场力量提升市场主体保护消费者权益的自觉性和主动性，唤醒消费者维权意识并降低消费者维权成本。%The challenges for these problems mainly focus on huge hidden risk from information security, the safety of funds hardly to be guaranteed, weak awareness of consumer rights and high cost of rights protection. It’ s neces-sary for constantly enhancing the strength for protecting Internet financial consumer rights and interests to highlight information security legislation, to regulate access thresholds, to exert the role of market forces into full play based on promoting risk control requirement, so as to enhance the consciousness and initiative of market participants in terms of protecting consumer interests and awaken the awareness of consumers to protect their rights and reduce the cost of rights protection.

A Bill to Amend the Intergovernmental Cooperation Act of 1968 to Improve . . . Strengthening of State and Local Offices of Consumer Protection. H.R. 2198. 95th Congress, 1st Session.

Science.gov (United States)

Congress of the U.S., Washington, DC.

This U.S. House of Representatives bill (H.R. 2198), to be cited, if enacted, as the Intergovernmental Consumer Assistance Act, would add a new title to the Intergovernmental Cooperation Act of 1968: Title VII-Intergovernmental Cooperation with Respect to Consumer Assistance and Protection. The objective is to establish greater cooperation among…

Consumer Citizenship Curriculum Guides for Social Studies, English, Science, Mathematics.

Science.gov (United States)

MacKenzie, Louise; Smith, Alice

These four consumer citizenship curriculum guides for social studies, English, science, and mathematics incorporate consumer education into these subject matter areas in grades 8-12. Each guide is organized around 10 main component/goals. They are basic economics in the marketplace, credit, consumer law/protection, banking skills, comparison…

Researching the Gap between Foodstuff’s Attractiveness and Real Nutritional Profile – Prerequisite for Strengthening Nutrition Education and Consumer Rights Protection

Directory of Open Access Journals (Sweden)

Bogdan Cristian Onete

2014-05-01

Full Text Available Consumer`s health protection has become a major concern of global public policies, given that overweight and obesity have alarmingly increased, particularly among children and teens. The paper addresses one of the current problems caused by globalization, namely the obvious tendency of young people to choose food products based on organoleptic features and to disregard nutritional quality, with negative consequences on health. An exploratory marketing research was conducted among students for identifying the perceived importance of the sensorial dimension of food products and understanding key dimensions of buying decision process among youth. SAIN–LIM method was used to determine the nutritional profile of foodstuffs with special organoleptic features. Research results clearly show that in industrial foodstuff there is a gap between product attractiveness, which is based on exceptional sensorial properties, perceived by young consumers and real nutritional value of foods, which frequently translates into unbalanced nutritional profiles. To have a balanced diet and a healthy lifestyle, young consumers need to be informed that a tasty and good looking foodstuff is not necessarily healthy. Youth need to be properly educated in order to understand the close relationship between diet, weight and health and to develop a responsible food consumption behavior.

Optimal Consumer Electronics Product Take-Back Time with Consideration of Consumer Value

Directory of Open Access Journals (Sweden)

Yi-Tse Fang

2017-03-01

Full Text Available Rapid economic growth in recent years has transformed our lifestyle to massively produce, consume, and dispose of products, especially for consumer electronics. This change has put great threat to our environment and caused natural resource depletion. Moreover, short product life cycles and quick replacements of consumer electronics create enormous electronic wastes (e-wastes. Without proper waste management, immense environmental damage is expected. In this empirical study, we notice that lots of valuable materials that can still be recycled from these used consumer electronics are left unused at home instead of being recycled at the appropriate time, which causes a low collection rate and a decrease in residual value for the used products. Therefore, it is important for the government and the recyclers to handle them efficiently by increasing the used product take-back rate. Our study develops an assessment model for customer value based on the idea of value engineering and the perspective of product life cycle. We also explore the relationship between product value and the total cost of ownership with an evaluation of their time variation, considering different usage modes for various consumer groups and different recycling award schemes (fixed and variable recycling awards. Proper take-back management is likely to create a win-win situation both for consumers and environmental protection. This study regards the notebook computer as an example to determine the optimal time for recycling laptops based on usage patterns and provides consumers a reference for when to replace their used product. The results from our modeling firstly clearly indicate that consumers with higher frequency of usage have shorter take back times and higher maximum consumer value. Secondly, a variable recycling award scheme with higher maximum consumer value is more practical than a fixed recycling award scheme.

THE INFLUENCE OF THE CONSUMER PROTECTION ACT 68 OF 2008 ON THE COMMON LAW WARRANTY AGAINST EVICTION: A COMPARATIVE OVERVIEW

Directory of Open Access Journals (Sweden)

J Barnard

2012-12-01

Full Text Available The implementation of the Consumer Protection Act 68 of 2008 (CPA has great implications for the South African common law of sale. In this contribution the influence of the CPA on the seller’s common law duty to warrant the buyer against eviction is investigated. Upon evaluation of the relevant provisions of the CPA, the legal position in the United Kingdom – specifically the provisions of the Sales of Goods Act of 1979 – is investigated.

互联网金融消费者权益保护问题研究%The Research on Internet Financial Consumer Rights and Interests Protection

Institute of Scientific and Technical Information of China (English)

赵锋

2015-01-01

如何在支持互联网金融创新发展的同时，有效保护互联网金融消费者的合法权益，是一个亟待研究的重要课题。本文在总结互联网金融概念、模式的基础上，深入分析了互联网金融消费者权益受侵害的表现形式和当前互联网金融消费者权益保护面临的困境，提出了完善互联网金融消费者权益保护的政策建议。%It is an important subject to be studied how to support the development of Internet financial innovation, and at the same time, protect the lawful rights and interests of the Internet financial consumers effectively. The paper, on the basis of summarizing the concept and mode of the Internet finance, deeply analyzes the forms of the infraction of the Internet financial consumers’ rights and interests and the current plight of the Internet financial consumers' rights and interests protection. Finally, the paper proposes the policy suggestions on perfecting the protection of the rights and interests of the Internet financial consumers.

Tourism law: from traveller to consumer

Directory of Open Access Journals (Sweden)

Oscar Casanovas Ibáñez

2016-09-01

Full Text Available The law on tourism – “tourism law” for some authors – is the instrument that has been used to turn the tourist into a consumer. Travellers are increasingly aware of the rights they can exercise. Incorporating the regulation of combined travel contracts (separate tourist services sold for an overall price into the body of consumer regulation and air passenger protection has made a definitive contribution to establishing this condition. Tourist contracts involving consumers have ended up in the courts, which have already had the opportunity to interpret the regulations and orient them towards the most protectionist positions for consumers. With the addition of new consumption habits and new types of contracting the future of this field looks far from static.

[METHODICAL APPROACHES, EXPERIENCE AND PERSPECTIVES OF THE IMPLEMENTATION OF THE RISK MODEL OF SURVEILLANCE ACTIVITIES IN THE SPHERE OF THE ASSURANCE OF SANITARY AND EPIDEMIOLOGICAL WELFARE OF POPULATION, POPULATION'S HEALTH RISK MANAGEMENT AND THE CONSUMER RIGHTS PROTECTION].

Science.gov (United States)

Gurvich, V B; Kuz'min, S V; Dikonskaia, O V; Gileva, M A; Boiarskiĭ, A P

2015-01-01

Control and supervision measures--one of the main technologies of Federal Service for Supervision of Consumer Rights protection and Human Welfare in the overall system of risk management for public health and damage to property consumers, aimed at the solution of the prior tasks in the field of assurance of the sanitary and epidemiological welfare of the population and consumer rights protection. The effectiveness of this technology depends on the correct choice of priority objects of supervision, which form the main problems in the sanitary and epidemiological situation and in the consumer market. The application of is approach has led to more effective oversight activity and the improvement of a number of indices characterizing the achievement of the objectives in the common system of risk management for public health and property of consumers.

Recycling of consumer waste: A behavioural science approach to environmental protection policy

DEFF Research Database (Denmark)

Thøgersen, John

1994-01-01

Evaluations of programs whose purpose is to increase recycling in Denmark through changing consumer waste handling practices are reviewed on the results discussed in a behavioural science framework Denmark is one of the fastest-moving European cou with regard to policies targeting consumer waste...

On the development of the system of risk-based supervision in the field of sanitary and epidemiological welfare of the population and consumer protection

Directory of Open Access Journals (Sweden)

A.Y. Popova

2015-12-01

Full Text Available In order to fulfill the legal requirements for the transition to the new risk-based model of the state control (supervision in the Federal Service for Consumer Rights Protection and Human Welfare, the methodical approaches to the classification of economic entities and activities of potential risk of injury have been developed. The risk assessment takes into account the frequency of violations of sanitary legislation, the severity of the consequences of these violations for the health and extent of negative effects, which is estimated in terms of population under the influence of the economic entity. Algorithms and methods for calculating the exposed population: workers, consumers, including consumer food products, non-food products and services; residents of settlements under the negative impact of air pollution, water and soil, have been developed. Regional and federal registries of objects for sanitary and epidemiological supervision are formed. Testing of the risk-based approaches in the regions allowed excluding the low risk harm objects when forming the audit plans for 2016, due to what the number of planned inspections all over country was reduces by more than 20 %. The basic directions of further improvement of the risk-based model of sanitary and epidemiological surveillance: its extension to the system of technical regulation and consumer protection; scientific substantiation of its volume, content and laboratory support of the scheduled inspections of objects belonging to different classes of health risk; improving procedures and methods for evaluating the effectiveness and efficiency of risk-based supervisory activities; creation of an effective system of risk communication between the sanitary and epidemiological surveillance, economic entities, public organizations and associations and civil society.

77 FR 34233 - Telephone Consumer Protection Act of 1991

Science.gov (United States)

2012-06-11

... initiator of the message, to be a nuisance and an invasion of privacy; and (3) individuals' privacy rights... are made by the consumer's loan servicer, because the primary motivation of the calling party is to... challenged as TCPA violations because the primary motivation appears to be sending a telephone solicitation...

Utility shopping: are consumers ready?

International Nuclear Information System (INIS)

Barrados, A.

1999-01-01

This report provides an overview of public readiness to deal with deregulation of the electric power industry , based on an analysis of public reaction to the deregulation of the transportation, telecommunications and natural gas industries which already have taken place. The report also examines the reasons why residential consumers have reason to be wary of deregulation. These include the likelihood of slow development of the intended competition, the consequent limits on consumer choices, the possibility of increased prices, decreased quality of service and erosion of social values such as affordability and accessibility. The report concludes with a number of recommendations aimed at ensuring the existence of workable competition for residential consumers, that reliable and meaningful information is available as competition in deregulated markets gets underway, that independent sources of information are widely available, and that basic consumer protection against deceptive and borderline marketing practices, a regulatory oversight mechanism and public reporting mechanisms are in place before competition begins. 33 refs

How to make the best of mandatory information requirements in consumer law

NARCIS (Netherlands)

Schaub, M.Y.

2017-01-01

EU consumer protection relies inter alia on information requirements imposing on traders the duty to provide specific and mandatory information to consumers before the conclusion of a contract. If consumers make well informed choices this can serve their individual interest, but it is also thought

ACTIVITIES OF THE ADMINISTRATION OF FEDERAL SERVICE FOR SURVEILLANCE ON CONSUMER RIGHTS PROTECTION AND HUMAN WELL-BEING IN KHABAROVSKY KRAI IN CONDITIONS OF THE FUKUSHIMA ACCIDENT AND MEASURES UNDERTAKEN TO PROTECT THE TERRITORY AND POPULATION THE REGION

Directory of Open Access Journals (Sweden)

V. A. Ott

2011-01-01

Full Text Available The article analyzes activities of the Administration of Federal Service for Surveillance on Consumer Rights Protection and Human Well-being in Khabarovsky Krai and the Federal Health Organization "Center of Hygiene and Epidemiology in Khabarovsky Krai" in the situation related to the Fukushima accident in Japan

Analysis of the Romanian Insurance Market Based on Ensuring and Exercising Consumers` Right to Claim

Directory of Open Access Journals (Sweden)

Dan Armeanu

2014-05-01

Full Text Available In the financial market of insurance, consumer protection represents an important component contributing to the stability, discipline and efficiency of the market. In this respect, the activity of educating and informing insurance consumers on ensuring and exercising their right to claim plays a leading role in the mechanism of consumer protection. This study aims to improve the decision-making capacity of the financial services consumers from the Romanian insurance market through better information on ensuring and exercising their right to claim under the legislation. Thus, by applying three data analysis techniques – principal components analysis, cluster analysis and discriminant analysis – to the data regarding the petitions that were registered by the 41 insurance companies which operated in the Romanian market in 2012, a classification that assesses the insurance market transparency is achieved, resulting in a better information for consumers and, hence, the improvement of their protection through reducing the level of transactions that are harmful to consumers

A Stealth Drug Recall: Who Protects Consumers and Shareholders?

Science.gov (United States)

Monseau, Susanna; Lasher, Nancy

2015-01-01

In September 2010, William Weldon, chief executive officer (CEO) and chairman of Johnson & Johnson (J&J), was called to testify in front of the Committee on Oversight and Government Reform to explain the largest product recall in the 125-year history of the well-known pharmaceutical and consumer products company. This article presents a…

[THE OPTIMIZATION OF THE ACTIVITY OF ORGANS OF FEDERAL SERVICE FOR SUPERVISION OF CONSUMER RIGHTS PROTECTION AND HUMAN WELFARE IN THE SVERDLOVSK REGION].

Science.gov (United States)

Kuz'min, S V; Gurvich, V B; Romanov, S V; Dikonskaia, O V; Iarushin, S V; Malykh, O L

2015-01-01

In the Sverdlovsk region there have developed and implemented methodological approaches to the optimization oj the activity of the Directorate and the Centre directed to the improvement of the sanitary and epidemiological surveillance and in the sphere of the protection of the rights of consumers in the framework of the development of an comprehensive regional system of risk management for the population's health in the Sverdlovsk region.

Nickel release from inexpensive jewelry and hair clasps purchased in an EU country - Are consumers sufficiently protected from nickel exposure?

DEFF Research Database (Denmark)

Thyssen, Jacob Pontoppidan; Menné, Torkil; Johansen, Jeanne Duus

2009-01-01

BACKGROUND: Nickel allergic subjects are at risk factor of acquiring hand eczema. In 1990 and 1994, respectively, Denmark and member states in the EU regulated nickel release from selected consumer products. The intention was that the nickel epidemic could be controlled and prevented if the general...... population was protected from high cutaneous nickel concentrations. Despite a decrease, the prevalence of nickel allergy remains high as nearly 10% of young women are nickel allergic. OBJECTIVE: This study aimed to perform dimethylglyoxime (DMG) testing of inexpensive jewelry and hair clasps purchased from...

Exemption Clauses and the Consumer Protection Act 68 of 2008: An Assessment of Naidoo v Birchwood Hotel 2012 6 SA 170 (GSJ

Directory of Open Access Journals (Sweden)

Yeukai Mupangavanhu

2014-08-01

Full Text Available Exemption clauses are a rule rather than an exception particularly in standard-form contracts. Consumers are usually forced to accept such terms on a "take-it-or-leave-it" basis. This state of affairs shows that freedom of contract is theoretical and could lead to injustices. In Naidoo v Birchwood Hotel 2012 6 SA 170 (GSJ the Court refused to uphold the exemption clauses based on the fact that it would have been unfair and unjust to the plaintiff who had sustained serious bodily injuries during his stay at the hotel. The article discusses this court decision in the light of the provisions of the Consumer Protection Act 68 of 2008 (CPA against the background of the previous jurisprudence regarding exemption clauses, including the position of exemption clauses in a new constitutional dispensation.

Summary report on the Solar Consumer Assurance Network (SOLCAN) Program Planning Task in the southern region

Energy Technology Data Exchange (ETDEWEB)

Browne, M. B. [comp.

1981-03-15

The goal of the SOLCAN Program Planning Task is to assist in the development, at the state and local levels, of consumer assurance approaches that will support the accelerated adoption and effective use of new products promoted by government incentives to consumers to meet our nation's energy needs. The task includes state-conducted evaluations and state SOLCAN meetings to identify consumer assurance mechanisms, assess their effectiveness, and identify and describe alternative means for strengthening consumer and industry assurance in each state. Results of the SOLCAN process are presented, including: a Solar Consumer Protection State Assessment Guide; State Solar Consumer Assurance Resources for Selected States; State Solar Consumer Protection Assessment Interviews for Florida; and state SOLCAN meeting summaries and participants. (LEW)

Consumer Right to Information before Purchase: Research on the Romanian Online Stores for Technical Consumer Goods

Directory of Open Access Journals (Sweden)

Carmen Balan

2014-05-01

Full Text Available The goal of the present paper is to evaluate the status of the protection of consumer right to information before the purchase from Romanian online stores. The perspective focuses on technical consumer goods. The research pursued two major objectives. The former consisted in analysing the compliance of the online stores with the provisions of article 6 paragraph 1 of the Directive 2011/83/EU on consumer rights, relative to the information provided to potential buyers before the purchase. The latter was to identify the consumer awareness of the rights stipulated by article 6 of the directive, as well as to study the opinions of consumers relative to the information that online stores are compelled to supply before purchase. The first objective was accomplished by applying the content analysis method to the information available on the Web for a sample of 100 online stores. The second objective was achieved through the survey method on a sample of 351 persons from the 25 to 34 age group, residing in Bucharest. Compared to other studies, the major contributions of the present research approach are the following: the investigation of an extensive sample of online stores; the wider range of products; the focus on both online stores and consumers. The results show that improvements are needed in the level of compliance and in the consumer awareness of own rights.

Claims settlement in insurance contracts from a consumer protection perspective in Cameroon

Directory of Open Access Journals (Sweden)

Comfort Fuah Kwanga

2017-10-01

Full Text Available Everyone in the society is faced with the possibility of one or more hazards that are part of life will sooner or later befall him and may occasion some loss. This misfortune is uncertain as to the time and period when it will occur and this amongst others include: fire outbreak, accident, and even death. This necessitates the need for people to go for insurance policies which suit their various needs in order to permit compensation in case of loss. Most consumers of insurance products are “short changed” in the process because very few take the trouble to read through their insurance policies in order to ascertain and understand the terms and conditions. The result is that most often when a claim arises and it is discovered that the loss is not covered by the terms of the insurance contract, there is the tendency of blaming the insurance companies. This paper posits that: there are of course some “bad eggs” in the industry who manipulate consumers. However, the paper holds that this unpleasant quagmire is often due to lack of understanding of the terms of insurance contracts in general and consumer apathy in particular. The essence of this study is to re-iterate the need to communicate the rules of the insurance game, thereby minimizing some of the misunderstanding and problems faced by consumers.

New Ontario power legislation aims to protect consumers

Energy Technology Data Exchange (ETDEWEB)

Anon.

2000-09-01

New legislation designed to improve regulation of the electricity sector in Ontario was introduced by the provincial government in June 2000, the first such legislation since the government mandated an open electricity market with the Energy Competition Act of 1998. The new legislation is described as narrowly focused on putting limits on local power rate increases. The legislation was introduced in combination with a directive to the Ontario Energy Board, and is designed to ensure that the Board approves municipal electric utility rates only when certain conditions are met. The Energy Minister was at great pains to point out that the legislation should not be interpreted as the government interfering in the marketplace, it is merely to help the utility wires side of the business during a two-year transition period. Municipal authorities reacted unfavorably to the legislation because it appears to require them to return significant assets to their utilities, assets that they considered as theirs under municipal restructuring. Energy Probe, an environmental advocacy group, suggested an alternative to the legislation, i. e., the government should allow the price increases requested by the municipal utilities to go through, but to leave consumers whole, it should impose a windfall profits tax on municipal governments, use the proceeds to reduce debt retirement taxes in the electricity bill, a leftover from Ontario Hydro's debt and stranded nuclear waste liabilities, and eliminate the province's own electricity tax on consumers. No direct reaction has been received from the Minister to date. If the legislation is passed in its present form it will prevent municipalities from using windfall profits from their utilities to justify rate hikes.

Radiation protection

International Nuclear Information System (INIS)

1989-01-01

A NRPB leaflet in the 'At-a-Glance' series explains in a simple but scientifically accurate way what radiation is, the biological effects and the relative sensitivity of different parts of the human body. The leaflet then discusses radiation protection principles, radiation protection in the UK and finally the effectiveness of this radiation protection as judged by a breakdown of the total dose received by an average person in the UK, a heavy consumer of Cumbrian seafood, an average nuclear industry worker and an average person in Cornwall. (UK)

Consumer Product Chemical Weight Fractions from Ingredient Lists

Data.gov (United States)

U.S. Environmental Protection Agency — Data and model predictions supporting the manuscript: Isaacs K.K., Phillips K.A., Biryol D., Dionisio K.L., and Price P. Consumer product chemical weight fractions...

Financial Consumer Protection in the EU : Towards a Self-Sufficient European Contract Law for Consumer Financial Services?

NARCIS (Netherlands)

Cherednychenko, O.O.

2014-01-01

The rapid expansion of European contract law in the field of consumer financial services gives rise to the question to what extent it is self-sufficient. A self-sufficient European contract law presupposes the existence of an EU-made and EU-enforced contract-related legal order which is largely

Awareness about medico legal aspects and Consumer Protection Act among dentists.

Science.gov (United States)

Radhika, T; Nadeem, J; Arthi, R; Nithya, S

2017-07-01

The practice of medicine in India has undergone considerable change affecting delivery of health in both positive and negative directions. As a result, there was a growing feeling that medical treatment should be made accountable and this led to doctors and dentists becoming subject to the process of law. Patients have become more aware of their right to compensation and as a consequence doctors and dentists should be knowledgeable about the laws that govern them. To assess the awareness about Medico legal aspects and Consumer Protection Act [CPA] among Dental professionals. A self-structured validated questionnaire comprising of 20 questions related to medico legal aspects and CPA was designed. A total of 450 dental professionals were surveyed from 4 prime dental institutions in Chennai, India. Of the 450 professionals that were surveyed 150 were MDS faculty, 150 were BDS faculty and 150 were PG students. The data was subjected to SPSS, version 16 and statistically analysed using Chi square test and Fisher's exact test. A- p value less than 0.05 was considered to be statistically significant. BDS faculty, MDS faculty and PG students were found to possess similar level of understanding and there was no significant difference between the groups. Knowledge was found to be equal between male and female dentists. The young practitioners were found to be more informed about CPA than the senior practitioners. It was found that most of the participants were aware of relevant Medico legal aspects, but were less aware of CPA. This study emphasises the need for education relevant to Medico legal aspects and CPA for dental professionals.

[Infection prevention in animal husbandry. A contribution to the improvement of the sanitary consumer protection].

Science.gov (United States)

Grossklaus, D

1985-02-01

The scientific and organizational development of an effective prophylaxis against infections in animal husbandry results from the fact that many zoonoses, like salmonellosis, campylobacteriosis, toxoplasmosis, leptospirosis, listeriosis, rickettsiosis (Q-Fever) and cysticercosis as well as certain important virus infections with regard to meat hygiene cannot be detected during official ante- and postmortem inspection. The cause of these infections is clinically inapparent and leaves no pathologic-anatomical lesions. Partly responsible for these latent infections is mass production with its specific forms of husbandry, particularly in poultry and pigs. The development of these animal production methods as well as the spread of the aforementioned zoonoses in man and animal is being discussed in this paper. The information on zoonoses is based on cases reported in accordance with the Federal Communicable Diseases Act and/or the regulations on notifiable animal diseases. The potential harmfulness to the consumer's health, especially in view of his food habits, is discussed in the light of the increase of foodborne infections and intoxications caused by Salmonella. Up until now, several regulations exist to keep causative agents of zoonoses away from animal farms. In view of the successful eradication of tuberculosis in cattle and brucellosis, it is recommended on a longterm basis, to eliminate those zoonoses from animal farms, which are of special importance from the meat-hygienic point of view. On a medium-term basis, examination of farm animals should be introduced voluntarily prior to the official ante- and postmortem inspection. It is of vital importance to establish the necessary diagnostic and practical conditions for the herd-tests. A recommendation worked out by the European Community for the examination of broiler-farms is welcomed as an example of prophylactic measures suitable for the improvement of consumer protection.

Knowledge and awareness of the Consumer Protection Act among dental professionals in India: A systematic review.

Science.gov (United States)

Singh, Gurminder; Gambhir, Ramandeep Singh; Singh, Simarpreet; Talwar, Puneet Singh; Munjal, Vaibhav

2014-07-01

The medical profession has been included in the Consumer Protection Act (CPA), to protect the interests of the patients in case of any unethical treatment rendered by the doctor. The present systematic review was conducted to assess the knowledge and awareness of CPA among dental professionals in India. A systematic review of relevant cross-sectional observational studies was conducted regarding the level of knowledge and awareness of CPA among dental professionals in India. Five studies out of 44 were finally included in the present review, after conducting both an electronic and manual search of scientific databases. The potential biases were reported and appropriate data was extracted by the concerned investigators. More than 90% of the study subjects in one of the studies were aware of the CPA, as compared to other studies. In two studies, when queried about the correct time period during which a patient can sue a doctor, very few subjects (18 and 23.2%) answered correctly. Almost 90% of the subjects were taking some form of consent in one of the studies. Private practitioners had more awareness as compared to academicians and combined practitioners. The results of the present review showed that a majority of the subjects were aware of the existence of CPA, but knowledge about the basic rules and regulations was lacking in a few studies. Therefore, dental professionals need to keep themselves updated on the various rules and latest amendments to save themselves from any litigation.

Consumers' purchase intention of organic food in China.

Science.gov (United States)

Yin, Shijiu; Wu, Linhai; Du, Lili; Chen, Mo

2010-06-01

The global market for organic food has developed significantly in the past decade. The organic food industry in China is export oriented, with production growing rapidly, although the domestic market remains relatively small. This paper surveys 432 consumers from three cities in China, consequently establishing a logit model to analyse the main factors affecting consumers' choice for organic food. The result indicates that Chinese consumers' intent to purchase organic food is strongly affected by factors such as income, degree of trust in organic food, degree of acceptance of organic food price, and consumers' concern on self-health. This intent is only slightly affected by factors such as consumers' age, education level and concern about environmental protection. Based on the results, the following measures are recommended: reduce the cost of organic food through multiple channels to cut down the market price; establish and perfect the supervision system of organic food; and promote organic food through various channels. Copyright (c) 2010 Society of Chemical Industry.

The safety of consumer goods containing radioactive substances

International Nuclear Information System (INIS)

Wrixon, A.D.

1980-01-01

Consideration is given to the arguments used in the formulation of proposals which have been incorporated into a consultative document published by the National Radiological Protection Board (Criteria Relating to the Approval of Consumer Goods Containing Radioactive Substances: A Consultative Document, HMSO, London). The proposals are summarized. They were based on the classification of these consumer goods into different categories, and details are given of the suggested dose limits for these categories. Comments on the proposals are invited. (U.K.)

What foods are identified as animal friendly by Italian consumers?

Directory of Open Access Journals (Sweden)

Jorgelina Di Pasquale

2014-11-01

Full Text Available In the Italian market, voluntary certifications implying higher levels of animal welfare generally fall into wider production schemes. Despite of the results of EU surveys indicating that about 50% of Italian consumers can easily identify and find animal-friendly products, they still are distributed scarcely or discontinuously in the main retail chains. To assess the apparent contradiction between the intricate information consumers receive from labels and their declared awareness about animal welfare, a survey was conducted in Emilia Romagna region on 355 Italian consumers (face-to-face interviews based on a structured, semi-close-ended questionnaire. Overall, consumers showed a low degree of knowledge about animal welfare attributes, animal farming conditions and animal protection policies (about 30% of correct answers, and a low level of awareness of the effects of their purchasing choices on the welfare of farmed animals (22%. The respondents also showed difficulties in identifying animal-friendly products and often confused them with other certified foods, having sometimes a weak connection (or none at all to animal welfare (e.g., Protected Designation of Origin products. However, most consumers declared to be ready to pay a premium price in name of animal welfare. In conclusion, a labelling system for the welfare content of animal-derived foods is confirmed to be an effective strategy to compensate the efforts of farmers in improving animal welfare, provided that the information given is clear and able to fill the substantial lack of consumer knowledge.

Allergens in law - European legislation assessed against the preferences of food allergic consumers

NARCIS (Netherlands)

Hendriks, M.J.; Frewer, L.J.; Meulen, van der B.M.J.

2011-01-01

This article reviews current European legislation concerning allergens and their labelling, in particular in relation to the need to optimise consumer protection and improve the quality of life of food allergic consumers. Adequate communication concerning the presence of (potentially) allergenic

Making or buying environmental public goods: do consumers care?

OpenAIRE

Bougherara, Douadia; Costa, Sandrine; Teisl, Mario

2012-01-01

Firms may voluntary abate pollution using one of two options: internalizing its own external effects and incuring abatement costs ("making") or delegating environmental protection by purchasing offsets ("buying"). We aim to elicit consumers' WTP for producers' use of the "making" option as compared to the "buying" option, controlling for spatial effects (joint local public goods) and level of GHG emissions. Using a stated choice survey with 722 respondents, we find consumers are more willing ...

Some perspectives on radiation protection

International Nuclear Information System (INIS)

Sinclair, W.K.

1979-01-01

A brief review of the history and organizational structure of the NCRP is given. Summaries are given of a number of NCRP radiation protection guides dealing with hazards from 85 Kr, radiation exposures from consumer products, basic radiation protection criteria, and doses from natural background radiation

The revised German radiation protection ordinance

International Nuclear Information System (INIS)

Palm, M.

2002-01-01

Since August 2001, German radiation protection law is governed by a new Radiation Protection Ordinance, implementing two new Euratom Directives and taking into account new scientific developments, which provides a comprehensive basis for the protection of man and the environment. The Ordinance has been completely restructured; however, it is still a very complex piece of legislation comprising 118 provisions and 14 annexes, some of them highly technical. Reduced dose limits for occupationally exposed persons and members of the public, a detailed provision on clearance of radioactive substances, a new part aiming at the protection of man and the environment against ionising radiation emanating from natural sources, and regulations dealing with the protection of consumers in connection with the addition of radioactive substances to consumer goods are some of the centre pieces of the new legislation which shall contribute significantly to the further prevention or at least minimisation of the adverse effects of radiation exposure. (orig.) [de

The Recent Shift from the Passive to the Active Consumer

Directory of Open Access Journals (Sweden)

Thomas Thiede

2015-04-01

Full Text Available ENGLISH: The debate on the protection of consumers in cross - border settings has flared up repeatedly since the introduction of the consumer protection rules of the Brussels I and Rome I Regulations. Whilst in the past consumer protection had not often been prioritised and the CJEU had insisted on strict interpretations to the consumers’ detriment, 1 and though since then a middle road between the interests of the entrepreneur and the consumer has been sought, 2 it seems that the pendulum has now swung back the other way again. According to the CJEU’s latest judgment in C - 218/12 Emrek/Sabranovic, in all cases where an entrepreneur concludes a contract with a foreign consumer, this falls under the adjudicatory jurisdiction of the consumer’s domicile, even if the entrepreneur’s marketing activity in the consumer’s state was not causally relevant for the event u- al conclusion of the contract. DEUTSCH: Die Diskussion um das Internationale Verbraucherschutzrecht flammt seit der Schaffung des Verbrauchergerichtsstandes im Internationalen Zivilverfahrensrecht und den Verbraucherschutzregeln der Rom I-VO immer wieder auf. Nachdem der EuGH in der Vergangenheit zunächst den Verbraucherschutz hintanhielt, indem er auf eine äußert enge Auslegung pochte und den Anwendungsbereich damit schmal hielt, in der Folge einen Mittelweg zwischen den Interessen der Unternehmer und Verbraucher suchte, scheint das Pendel nunmehr in die andere Richtung auszuschlagen. Ausweislich des jüngsten EuGH-Urteils in C-218/12 Emrek/Sabranovic ist nämlich derjenige Unternehmer, der einen Vertrag mit einem ausländischen Verbraucher abschließt, selbst dann am Wohnsitz des Verbrauchers gerichtspflichtig, wenn der Vertrag nicht auf seine dortige Marketingtätigkeit zurückzuführen ist.

论消费者保护规制的理据--在经济和伦理之间%On Consumer Protection Regulation Basis：Between Economics and Ethics

Institute of Scientific and Technical Information of China (English)

钟瑞华

2016-01-01

The economics and ethics theoretical basis concerning the consumer protection and the relationship between them worth reflection. For the consumer protection law and its enforcement, on one hand the cost-benefit analysis should be used more to enhance the efficiency, whilst on the other more attention should be paid to community value cultivation to promote non-utilitarian targets such as social justice, narrowing wealth gap, etc.%消费者保护的的经济性理据和理论性理据及二者的关系值得反思。消费者保护法及其实施，一方面应该更多地利用成本收益分析来提高效率，另一方面应该更多地关注培育共同体价值，促进社会正义、缩小贫富差距等非功利性目标。

Harmonization: A Need for EU Action on Consumer Credit?

DEFF Research Database (Denmark)

Jørgensen, Tanja

2015-01-01

seem small, there is still a need for EU action, but with a different approach that considers the nature of consumer credit. This means a focus on preventing overindebtedness and ensuring financial stability as well as a high level of consumer protection in a financialized and thereby more complex......As in the consumer area in general, the objective of the internal market has been applied as a reason why there is a EU need for action regarding consumer credit. Even though it is more than 25 years ago since the first Consumer Credit Directive harmonized aspects of the legislation in the Member...... States, cross-border activities are still extremely low. The achievement of the internal market depends on the consumers’ and the creditors’ overall incentives to cross-border activities, where harmonized aspects of the legislation are only an insignificant motivation. Despite a need for EU action may...

Consumer motivations toward buying local rice: The case of northern Iranian consumers.

Science.gov (United States)

Rahnama, Hassan

2017-07-01

This research had two purposes. The first aim was to identify Iranian and Non-Iranian rice consumers based on demographic characteristics and examine difference of these features with buying behaviors. The second purpose of study was to investigate consumer's motivation to buy local rice in Iran. The sample were 1500 people (men and women). The data was collected by using questionnaire based on a face-to-face survey. Chi-square, confirmatory factor analysis, and multiple linear regression were applied to assess collected data by a questionnaire survey. Regarding Iranian local rice buyers, 884 people buy local rice. Chi-square test showed that there is a significant difference between gender, having children, and marital status in buying local rice. Habitual Iranian local rice buyers include: female (51%), people who are more than 45 years old (51%), people with children (63%), people who are living urban (61%), married people (48%) and individuals that their monthly income is between 321.5 and 625 Dollars (53%). Regarding non-Iranian rice buyers, 616 people buy it. Also there is a significant difference between gender, location, marital status, and income in buying local rice. For considering consumers motivation toward buying local rice the econometrical model is used. Model had three aspects including; quality aspects (taste, good appearance), economic aspects (price, convenience, consumer's ethnocentrism), and safety aspects (health, not using pesticides and environment protection) and seven subset. The results of analysis indicated that quality aspects, economic aspects and safety aspects have positive effects on buying Iranian local rice. Also, indicative variables including; taste, good appearance, price, convenience, consumer's ethnocentrism, health, not using pesticides and environment have significant effects on buying it. Copyright © 2017 Elsevier Ltd. All rights reserved.

[Effectiveness of the Federal Inspectorate for the Protection of Consumer Rights and Human Welfare in the Novosibirsk Region in 2007 to 2009].

Science.gov (United States)

Mikheev, V N; Ivanova, L K; Iagudin, B I; Turbinskiĭ, V V

2010-01-01

A system for monitoring and analyzing the effectiveness and efficiency of the performance of the Board of the Federal Inspectorate for the Protection of Consumer Rights and Human Welfare in the Novosibirsk Region was introduced into its activities to estimate the provision of the Novosibirsk Region's population with sanitary epidemiological wellbeing in 2007-2009. The introduction of monitoring was ascertained to increase the effectiveness of budgetary fund surveillance and spending, by predicting the effectiveness and choice of priority lines of activities, by increasing the quality of budgetary services rendered in the provision of sanitary and epidemiological well-being to the population.

PRE-CONTRACTUAL INFORMATION IN CREDIT AGREEMENTS FOR CONSUMERS

Directory of Open Access Journals (Sweden)

Mihaela-Irina IONESCU

2015-07-01

Full Text Available The article provides an image to the point on information provided to consumers before the conclusion of a credit contract, starting with the importance of information and ending with the legal framework. A high consumer protection may be achieved primarily through consumer information. The complexity of banking services but also the vulnerability of consumers in relation to the banks and the unbalanced relationship led to the need to develop specific legislation that clearly establishes the rights and obligations of the parties of a credit agreement for consumers. In this regard, in 2008, after many debates, Directive 2008/48/EC of the European Parliament and of the Council on credit agreements for consumers was adopted. At national level, the Directive was transposed by the Government Emergency Ordinance no. 50/2010 on credit agreements for consumers. Taking into account national specificities, such as lack of experience of consumers in financial products, the irresponsible lending and the unfair practices of creditors, the national act includes wider provisions than the European Directive, such as those relating to fees limitations or those related to the calculation of the variable interest rate. Also the GEO no 50/2010 applies to all credit agreements concluded by consumers and creditors. As regards the advertising, any advertisement shall include a series of standard information. Also, pre-contractual information is standard information, is provided to consumers 15 days before the contract is concluded and is transmitted through the “European Consumer Credit Information sheet Standard”. The article presents when, how and what information should be given to consumers and insists on the importance of annual percentage rate and to what consumers should pay attention in order to be able to compare different offers.

Analysis of U.S. Food and Drug Administration food allergen recalls after implementation of the food allergen labeling and consumer protection act.

Science.gov (United States)

Gendel, Steven M; Zhu, Jianmei

2013-11-01

To avoid potentially life-threatening reactions, food allergic consumers rely on information on food labels to help them avoid exposure to a food or ingredient that could trigger a reaction. To help consumers in the United States obtain the information that they need, the Food Allergen Labeling and Consumer Protection Act of 2004 defined a major food allergen as being one of eight foods or food groups and any ingredient that contains protein from one of these foods or food groups. A food that contains an undeclared major food allergen is misbranded under the U.S. Food, Drug, and Cosmetic Act and is subject to recall. Food allergen labeling problems are the most common cause of recalls for U.S. Food and Drug Administration (FDA)-regulated food products. To help understand why food allergen recalls continue to occur at a high rate, information on each food allergen recall that occurred in fiscal years 2007 through 2012 was obtained from the FDA recall database. This information was analyzed to identify the food, allergen, root cause, and mode of discovery for each food allergen recall. Bakery products were the most frequently recalled food type, and milk was the most frequently undeclared major food allergen. Use of the wrong package or label was the most frequent problem leading to food allergen recalls. These data are the first reported that indicate the importance of label and package controls as public health measures.

Resolution of consumer disputes through arbitration with special regard on insurance disputes

Directory of Open Access Journals (Sweden)

Tomić-Petrović Nataša

2014-01-01

Full Text Available Efficient resolution of consumer disputes contributes to the strengthening of consumer protection. As the increasing of number of consumer contracts necessary increase consumer disputes, there is an interest in developing the Alternative Disputes Resolution. The paper is devoted to the question of arbitrability of consumer disputes. At the beginning of the paper author points out at the difference between European and American approach to the arbitration of consumer disputes. Having in mind the premise that classic (commercial arbitration is not a priori suitable on consumer disputes author advocates introduction of specific consumer arbitration. The largest part of the paper deals with the characteristics of proposed consumer arbitration in order to prevent clause of arbitration to be void as unfair contract term. It is underlined the importance of free and informed consent of consumer on arbitration clause. At the conclusion, author cites approach of European Court of Justice according to which national courts have to look after unfair character of arbitration clause contained in consumer contract ex officio.

Consumer Protection Towards Local Food Production In Southeast Sulawesi Indonesia

OpenAIRE

Suriani BT. Tolo; Ahsan Yunus; Ahmadi Miru; Irwansyah

2015-01-01

Abstract Consumers have rights which should not just be ignored by businesses such as the right to be a safety the right be informed the right to be heard as well as the right to a good environment and healthy. Kendari Regency as a local government has been manifested by issuing regulations and policies that support the development of local food production such as the Mayor of Kendari regulation No. 15 of 2010 and Mayor Kendari Decree No. 427 of 2012 regarding the Establishment of Community C...

A guide for controlling consumer products containing radioactive substances

International Nuclear Information System (INIS)

1985-01-01

Consumer products are considered regardless of the purpose for which the radionuclide is added. For example, the purpose may be to make use of the ionising radiation emitted by the substance in the product itself (e.g. radioluminescent devices antistatic devices and ionisation chamber smoke detectors), or to make use of some other property of the material where the presence of radiation in the final product is merely adventitious (e.g. thorium gas mantles, ceramics with uranium glazes, and products containing radioactive tracers added to facilitate manufacturing and inspection processes). The Guide does not cover some products containing natural radioactive substances which have not been intentionally added, such as building materials. The Guide does not cover medicinal products and pharmaceuticals, nuclear powered cardiac pacemakers, or electronic equipment, such as television receivers, that emit X-rays. Unlike the 1970 Guide, this Guide does not consider those products, such as EXIT signs, containing gaseous tritium light sources, that would not be supplied directly to members of the public. The Guide is concerned mainly with the exposure arising from consumer products of those persons who are not subject to any regulatory controls for purposes of radiation protection in normal circumstances. Members of the public come under this heading, but not workers involved in the manufacture of consumer products. These workers will normally be subject to separate control. Radiological protection concepts and policy for the control of radioactive consumer products and licensing and post-licensing surveillance are developed

Energy Report. State of the art in the market for consumers. First six months of 2011

International Nuclear Information System (INIS)

2011-09-01

Based on a number of key indicators, the market outcomes and market structure of the consumer market for energy are mapped, including the behavior of consumers. This report is limited to displaying a number of figures and facts, relating to the demand for products, prices, concentrations, switching, satisfaction and confidence of consumers in the energy market and information from ConsuWijzer, a Dutch governmental consumer protection organization. [nl

Consumer Purchase Behaviour for Green Products

OpenAIRE

Vinod Sharma; J. Sonwalkar; Maohar Kapse

2013-01-01

Purpose: The concern for climate change and global warming is increasing at global level which results in stimulating the interest of firms toward environmental protection and sustainable development. Many firms have started developing green products to meet the demand of environmentally conscious consumers. These firms are now interested in finding the determinants of environmentally conscious consumers’ behaviour in order to develop effective marketing strategy to ensure the green purchase ...

Biopesticides--towards increased consumer safety in the European Union.

Science.gov (United States)

Czaja, Katarzyna; Góralczyk, Katarzyna; Struciński, Paweł; Hernik, Agnieszka; Korcz, Wojciech; Minorczyk, Maria; Łyczewska, Monika; Ludwicki, Jan K

2015-01-01

The introduction of new food safety regulations in the European Union has resulted in the withdrawal of many synthetic active substances used in plant protection products, in light of their potential or actual harmful effect on human and animal health, as well as on the environment. Alternatives to these compounds are being developed - naturally occurring pesticides, also referred to as biopesticides. The use of biopesticides in crop protection leads to decreased levels of pesticide residues in foods, and as a result to lower risk levels for the consumer. Biologically active agents defined as biopesticides are varied, and therefore application of the same environmental and consumer safety criteria to all of them is impossible. This presents serious complications in the approval of these pesticides as active plant protection products and in their registration. It needs to be stressed that, in the registration procedure of the European Union, biopesticides are subject to the same regulations as synthetic active substances. This situation has resulted in the need to introduce numerous new provisions in the legislation, as well as the preparation of new guidelines facilitating the registration of biopesticides. These activities aim to promote naturally originating pesticides. © 2014 Society of Chemical Industry.

Diet pills and the cataract outbreak of 1935: reflections on the evolution of consumer protection legislation.

Science.gov (United States)

Margo, Curtis E; Harman, Lynn E

2014-01-01

An outbreak of cataracts in 1935 caused by dinitrophenol (DNP), the active ingredient of popular diet pills, highlighted the inability of the U.S. Food and Drug Administration (FDA) to prevent harmful drugs from entering the marketplace. Just two years earlier, the FDA used horrific images of ocular surface injury caused by cosmetics at the World's Fair in Chicago to garner public support for legislative reform. The FDA had to walk a fine line between a public awareness campaign and lobbying Congress while lawmakers debated the need for consumer protection. The cataract outbreak of 1935 was conspicuous in the medical literature during the height of New Deal legislation, but questions persist as to how much it affected passage of the proposed Food, Drug, and Cosmetic Act (of 1938). The legislation languished in committee for years. The cataract outbreak probably had little impact on the eventual outcome, but medical opinion concerning the safety of DNP may have contributed to the voluntary withdrawal of the diet drug from the market. We review the DNP cataract outbreak and examine it in context of the challenges facing regulatory reform at that time. Copyright © 2014 Elsevier Inc. All rights reserved.

16 CFR 1211.8 - Secondary entrapment protection requirements.

Science.gov (United States)

2010-01-01

... 16 Commercial Practices 2 2010-01-01 2010-01-01 false Secondary entrapment protection requirements. 1211.8 Section 1211.8 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY... Engineering Documents, 15 Inverness Way East, Englewood, CO 80112, Telephone (800) 854-7179 or Global...

Progress and challenges associated with halal authentication of consumer packaged goods.

Science.gov (United States)

Premanandh, Jagadeesan; Bin Salem, Samara

2017-11-01

Abusive business practices are increasingly evident in consumer packaged goods. Although consumers have the right to protect themselves against such practices, rapid urbanization and industrialization result in greater distances between producers and consumers, raising serious concerns on the supply chain. The operational complexities surrounding halal authentication pose serious challenges on the integrity of consumer packaged goods. This article attempts to address the progress and challenges associated with halal authentication. Advancement and concerns on the application of new, rapid analytical methods for halal authentication are discussed. The significance of zero tolerance policy in consumer packaged foods and its impact on analytical testing are presented. The role of halal assurance systems and their challenges are also considered. In conclusion, consensus on the establishment of one standard approach coupled with a sound traceability system and constant monitoring would certainly improve and ensure halalness of consumer packaged goods. © 2017 Society of Chemical Industry. © 2017 Society of Chemical Industry.

E-Learning Quality Standards for Consumer Protection and Consumer Confidence: A Canadian Case Study in E-Learning Quality Assurance

Science.gov (United States)

Barker, Kathryn Chang

2007-01-01

Emerging concerns about quality of e-learning products and services animated a project in Canada to create quality standards that derived primarily from the needs of consumer, that could be used to guide the development and choice of e-learning at all levels of education and training, and that could be implemented in a simple manner. A set of…

Online Consumer Ethnocentrism of Danish Consumers

DEFF Research Database (Denmark)

Bujac, Andreea Ioana

2017-01-01

No doubt that consumer ethnocentrism is an important phenomenon in international marketing. However, not much attention has been paid to consumer ethnocentrism in an online context. The current study aims to fill in this gap. Specifically, the ethnocentric tendency of Danish online consumers...

The Interdependence of Competition Policy, Consumer Policy and Regulation in Introducing and Safeguarding Effective Competition in the EU Telecommunications Market

Directory of Open Access Journals (Sweden)

Andreas Bartels

2017-05-01

Full Text Available Currently, the European Union finds itself in troubled waters. It has to prove that its benefits outweigh the costs of its endeavour. In this respect, an EU competition policy that focuses on consumer welfare is one way to gain support by the citizens of its member states. The Roaming Regulation that has reduced the mobile communications costs while travelling abroad serves as a good example for this approach. The EU Commission views consumer policy as another important factor to protect and benefit customers. In markets with natural monopolies, the two policies require the support of an effective regulatory policy. The research demonstrates that these three policies – if harmonised – are able to lead to an increase in consumer welfare (primarily by reducing prices and that they protect the rights and interests of consumers. In the case of telecommunications, several initiatives of the European Commission and of national regulatory authorities to falls in prices and forced operators to implement customer friendly rules and to protect customer data and privacy. The authors consider that the European Commission has tried to establish and harmonise rules across all member states in order to protect the interests and rights of consumers on the telecommunication market. The enforcement of competition and consumer policy within institutions from the telecom field certainly could promote the focus on consumers and the possibility to use a large “toolbox”. Harmonising and adjusting the policies across different countries and institutions and minimising any possible side effects is nevertheless a challenging task for the EU Commission in the future.

Protected area certificates: gaining ground for better ecosystem protection?

Science.gov (United States)

Segerstedt, Anna; Grote, Ulrike

2015-06-01

Protected areas are vital to sustain a number of ecosystem services. Yet, many protected areas are underfinanced and lack management effectiveness. Protected area certificates have been suggested as a way to resolve these problems. This instrument would allow land managers to certify an area if it meets certain conservation criteria. The certificates could then be sold on an international market, for example to companies and any consumers that are interested in environmental protection. Some pilot initiatives have been launched, yet little is known about future demand and features of protected area certificates. To fill this knowledge gap, we conduct a choice experiment with close to 400 long-distance tourists from Germany as a potential group of buyers. Our results indicate that the respondents have the highest willingness to pay for certificates that conserve sensitive ecosystems and in addition to this lead to poverty reduction and safeguard water resources. For other attributes such as a greenhouse gas reduction, the preferences are less significant. Overall, the results are rather homogenous irrespective of where the protected areas are located. These insights are important for the future design and marketing of protected area certificates.

Water-resistant sunscreens for skin protection: an in vivo approach to the two sources of sunscreen failure to maintain UV protection on consumer skin.

Science.gov (United States)

Puccetti, G

2015-12-01

The water resistance of sunscreen products has taken more importance for the UV protection of consumers involved in water activities and sports. The present work introduces a new in vivo approach to measure the water resistance of sunscreens on the actual skin of subjects, which can be easily applied to salt, chlorine and tap waters. The stress sources of sunscreen films on skin originate from two phenomena: high surface tension stress as the skin transits through the air/water interface and water diffusion into the film immersed in bulk water. The water resistance of sunscreen products is measured on the forearms of subjects by means of a new layered water bath approach that physically separates both stresses. Tape strips are subsequently taken and analysed for UV-A and UV-B optical densities via (1) imaging for remaining filters and (2) in vitro SPF absorption spectra. Water-resistant sunscreens generally perform well when immersed in bulk water even subjected to agitation, but they show a wide range of performances when considering their behaviour at the air/water interface. The differences are more pronounced in salt water than tap water. The results confirm 2 stress origins in sunscreen exposure to water: interfacial surface tension and bulk water diffusion. Polymers bring improvements to the resistance of sunscreens to bulk water but show wide latitude in performances when subject to the water surface tension stress. Globally, a higher loss of filters is observed in the UV-A than in the UV-B, which is attributed to more UV-A filter loss or degradation and thus resulting in a decreased protection in the UV-A. © 2015 Society of Cosmetic Scientists and the Société Française de Cosmétologie.

Sunscreen Product Performance and Other Determinants of Consumer Preferences.

Science.gov (United States)

Xu, Shuai; Kwa, Michael; Agarwal, Ashwin; Rademaker, Alfred; Kundu, Roopal V

2016-08-01

Sunscreen use is a modifiable behavior that can help reduce the risk for skin cancer, prevent sunburns, mitigate photoaging, and treat photosensitive dermatoses. A better understanding of consumer sunscreen preferences would inform dermatologists in their own recommendations. To determine the characteristics and the most commonly cited positive and negative features of highly rated sunscreens described by consumers. The top 1 percentile of sunscreen products on Amazon.com as of December 2015 was selected according to average consumer review (≥4 stars) and the highest number of consumer reviews. Descriptive data for each product were collected from the product page and manufacturer claims. The top 5 "most helpful" reviews (positive and critical) were analyzed and coded by a consensus qualitative coding scheme, which included positive and negative descriptors in 6 major categories according to consumer comments: affordability, cosmetic elegance, separate ratings, product ingredients, product performance, and skin compatibility. The Kruskal-Wallis test was performed to determine whether characteristics of each product (eg, American Academy of Dermatology [AAD] criteria, sun protection factor [SPF], or vehicle) could be used to predict price per ounce. The number (percentage) of comments categorized by major themes and subthemes was determined. Illustrative consumer comments were also collected. There were 6500 products categorized as sunscreens in the Amazon.com, online catalog. Of the 65 products evaluated, the median price per ounce was $3.32 (range, $0.68-$23.47). Of products, 40% (26 of 65) did not adhere to AAD guidelines (broad spectrum, SPF ≥30, and water resistant) for sunscreens. Vehicles, AAD, and sunscreen type predicted a higher price per ounce. Cosmetic elegance was the most cited positive feature (198 of 325 [61%] comments) followed by product performance (146 of 325 [45%] comments) and skin type compatibility (78 of 325 [24%] comments). In this

About Personal Protective Equipment (PPE)

Science.gov (United States)

... some types of elastomeric respirator masks and protective eyewear such as goggles may be reused if the ... State & Local Officials Consumers Health Professionals Science & Research Industry Scroll back to top Popular Content Home Latest ...

I don't think we've quite got there yet: The experience of allyship for mental health consumer researchers.

Science.gov (United States)

Happell, Brenda; Scholz, Brett; Gordon, Sarah; Bocking, Julia; Ellis, Pete; Roper, Cath; Liggins, Jackie; Platania-Phung, Chris

2018-06-12

Australia and New Zealand mental health policy requires consumer participation in all aspects of mental health services. Systemic participation informs and improves the quality of mental health services. Collaboration with consumer researchers should be similarly required. Enhanced understandings of collaborations are needed. To enhance understanding of the perspectives and experiences of nonconsumer researchers in working collaboratively with consumers as researchers. This qualitative exploratory study involved interviews with non-consumer mental health researchers who have worked collaboratively with consumers in research. Interviews were conducted with participants from Australia and New Zealand. 'Allyship' emerged as a major theme. This describes non-consumer researchers playing an actively supportive role to facilitate opportunities for the development and growth of consumer research roles and activities. Seven sub-themes were identified: establishing and supporting roles, corralling resources, guiding navigation of university systems, advocacy at multiple levels, aspiring to coproduction and consumer-led research, extending connections and partnerships, and desire to do better. Allyship may have an important role to play in the broader consumer research agenda and requires further consideration. Embedding meaningful consumer participation within mental health services requires active consumer involvement in research. Allies can play an important facilitative role. This article is protected by copyright. All rights reserved. This article is protected by copyright. All rights reserved.

11 June 2012 - Austrian Federal Minister of Labour, Social Affairs and Consumer Protection R. Hundstorfer signing the guest book with Head of International Relations F. Pauss and Ambassador to the UN C. Strohal (CERN-HI-120611334)

CERN Multimedia

2012-01-01

11 June 2012 - Austrian Federal Minister of Labour, Social Affairs and Consumer Protection R. Hundstorfer signing the guest book with Head of International Relations F. Pauss and Ambassador to the UN C. Strohal (CERN-HI-120611334)

Perspectives for environmental radiation protection in EU radiation protection legislation

International Nuclear Information System (INIS)

Janssens, A.

2000-01-01

The basis of EU radiation protection legislation is the EURATOM Trealy. It is discussed whether the Treaty offers a legal basis for the protection of the natural environment. The incorporation of provisions pertaining to the nuclear fuel cycle or to radioactive substances in general environmental legislation is explained, as well as the possible implications of international conventions subscribed by the European Union. The European Commission is in the process of developing an overall approach to risk analysis for the protection of health, consumer interests, and the environment. It is examined to what extent the consideration of the impact of radiation on the natural environment fits in the overall framework and whether the principles underlying classical radiation protection are applicable to biota. Specific attention is given to situations where high levels of environmental radioactivity would require intervention. (Author)

Consumer Economics and Consumer Mathematics Textbooks.

Science.gov (United States)

Eastern Michigan Univ., Ypsilanti. National Inst. for Consumer Education.

This publication lists a selection of consumer economics and consumer mathematics textbooks available for review from the National Institute for Consumer Education. Twenty-six textbooks for the secondary level are cited. Nine advanced level texts are also listed. These texts are generally considered college level texts but could be adapted for…

Criminal Protection of the Consumer of Irradiated food and Consumer Protection Against Contaminated Food with Radioactive Isotopes

International Nuclear Information System (INIS)

El-Baroudy, M.M.

2003-01-01

The widespread peaceful applications of atomic energy in food and agriculture had various positive and negative impacts on the economies of food and its production. Food is positively affected through either its treatment by ionizing radiation to preserve and reduce losses in it or by using mutations treated by ionizing radiation for improving their productivity. On the other hand, negative effects of nuclear energy on food are caused by nuclear explosions in nuclear weapons testing as well as by different nuclear energy applications and the wastes formed as a result of it. These activities can cause different contamination levels of the environment and particularly, the arable land. This in turn leads to the production of contaminated food with radioactive isotopes. Consequently, the present work which is subdivided into two parts, involves a study of both the positive and negative effects of ionizing radiations and radioactive isotopes on food. The first part deals with the legal protection of food treated by ionizing radiations to preserve it, explaining the related different legal and regulatory aspects. Food irradiation processes should be carried out in a framework of the national control regulations and in a way that is consistent with the reference standards adopted internationally for the safety and hygiene of food

Consumer Profile Of Hunting Tourism

Directory of Open Access Journals (Sweden)

Diana Marin

2015-05-01

Full Text Available Knowing the profileof hunting tourism consumers is particularly useful to the administrators ofhunting funds or natural parks, and of travel agencies that develop huntingtourism products for the hunting of large game for trophy, of small game asrecreational activity and also for the experienced hunting tourists who loveadventure and hunting with traditional weapons. The motivation for huntingconsists in the existing fauna in a certain area, but there are also cultural,historical reasons or spending time in the middle of nature. Consumers ofhunting tourism have a wide range of ages: hunting tourists prefer watching theanimals in their natural habitat and are less adventure-oriented, unlike trophyhunting tourists who are self-contended, travel much and wish to know thehistory, the culture and the behaviour of animals in protected areas. Theyprefer special accommodation and transport conditions and rely on largeincomes: they wish to get the rarest trophies to display back home as a symbolof their hunting skills and courage

16 CFR 1204.4 - Electric shock protection tests.

Science.gov (United States)

2010-01-01

... 16 Commercial Practices 2 2010-01-01 2010-01-01 false Electric shock protection tests. 1204.4 Section 1204.4 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION CONSUMER PRODUCT SAFETY ACT... the cable shall be between 28 and 29 feet (8.5 to 8.8 meters) above a horizontal plane through the...

Consumer Empowerment in the Digital Economy: Availing Sustainable Purchasing Decisions

Directory of Open Access Journals (Sweden)

Patrizia Gazzola

2017-04-01

Full Text Available The advent of the digital economy and, implicitly, of competition in the online marketplace has triggered new challenges in terms of consumer protection approaches. Online, consumer skills are expected to be improved and the level of consumer awareness and engagement increased. These are the baseline prerequisites of the sustainable purchasing decision and, thus, should be considered as pillars of responsible online consumption. Consistent with the novel consumption challenges, the current paper is intended to advance and test a research model integrating five main constructs, namely, competition in the online marketplace, online consumer skills, online consumer awareness, online consumer engagement and sustainable purchasing decision. A total of 318 college students—a representative population of the new Millennials generation—accepted the invitation to participate in a questionnaire-based survey. In order to pertinently analyze the collected data, a structural equation modeling technique based on partial least squares was employed for the assessment of the measurement and the structural model. The findings indicated that the model explained 24.4 percent of the variance of sustainable purchasing decisions, while the highest influence was exerted by the improvement of online consumer skills. This implies that online providers should revisit their products sustainability standards on purpose to preserve a competitive advantage.

78 FR 26301 - Approval and Promulgation of Air Quality Implementation Plans; Illinois; Consumer Products and...

Science.gov (United States)

2013-05-06

... ENVIRONMENTAL PROTECTION AGENCY 40 CFR Part 52 [EPA-R05-OAR-2010-0394; EPA-R05-OAR-2012-0786; FRL-9786-1] Approval and Promulgation of Air Quality Implementation Plans; Illinois; Consumer Products and... consumer products categories into the State's SIP. Finally, EPA is proposing to approve language to clarify...

EAACI Food Allergy and Anaphylaxis Guidelines. Protecting consumers with food allergies: understanding food consumption, meeting regulations and identifying unmet needs.

Science.gov (United States)

Muraro, A; Hoffmann-Sommergruber, K; Holzhauser, T; Poulsen, L K; Gowland, M H; Akdis, C A; Mills, E N C; Papadopoulos, N; Roberts, G; Schnadt, S; van Ree, R; Sheikh, A; Vieths, S

2014-11-01

Individuals suffering from IgE-mediated food allergy usually have to practise life-long food allergen avoidance. This document aims to provide an overview of recent evidence-based recommendations for allergen risk assessment and management in the food industry and discusses unmet needs and expectations of the food allergic consumer in that context. There is a general duty of care on the food industry and obligations in European Union legislation to reduce and manage the presence of allergens alongside other food hazards. Current evidence enables quantification of allergen reference doses used to set-up reliable food safety management plans for some foods. However, further work is required to include a wider variety of foods and to understand the impact of the food matrix as well as additional factors which affect the progression and severity of symptoms as a function of dose. Major concerns have been raised by patients, carers and patient groups about the use of precautionary 'may contain' labelling to address the issue of unintended presence of allergens; these therefore need to be reconsidered. New and improved allergen detection methods should be evaluated for their application in food production. There is an urgent requirement for effective communication between healthcare professionals, patient organizations, food industry representatives and regulators to develop a better approach to protecting consumers with food allergies. © 2014 John Wiley & Sons A/S. Published by John Wiley & Sons Ltd.

CONSUMER BEHAVIOR

Directory of Open Access Journals (Sweden)

Ilie BUDICA

2010-03-01

Full Text Available The study of consumers helps firms and organizations improve their marketing strategies by understanding issues such as: the psychology of how consumers think, feel, reason, and select between different alternatives; the psychology of how the consumer is influenced by his or her environment; the behavior of consumers while shopping or making other marketing decisions; limitations in consumer knowledge or information processing abilities influence decisions and marketing outcome; how consumer motivation and decision strategies differ between products that differ in their level of importance or interest that they entail for the consumer; and how marketers can adapt and improve their marketing campaigns and marketing strategies to more effectively reach the consumer.

The deregulation of the Canadian natural gas market: a consumer progress report

International Nuclear Information System (INIS)

Reid, H.

1998-01-01

The report concludes that the Canadian experience with gas deregulation has been a cautious approach to date by regulators and government. From the point of view of the consumer the marketing tactics by some of the new entrant gas resellers in Ontario has caused some consternation and potential problems could arise from further changes in the Ontario natural gas industry such as lack of consumer information and lack of workable competition. The study outlines the evolution of natural gas industry deregulation in Canada, British Columbia and Ontario and how the industrial pressures created by pipeline access and pricing changes were handled by these different jurisdictions. The federally mandated open access regime in the U.S. as well as subsequent state unbundling and aggregation initiatives and specific experiences of California, Ohio and New York are highlighted. There is a case study of the Australian natural gas industry, highlighting the implementation of a Commonwealth framework and the unbundling initiatives in the state of New South Wales. The rest of the report focuses on consumer protection issues surrounding the potential local gas distribution companies' exit from the merchant function and mechanisms for redress suggested by various jurisdictions. Methods for the division of demand side management and the maintenance of system benefits are explored. In light of these risks, predictions of consumer savings are assessed. Section six focuses on the protection of meaningful consumer choice within a more devolved natural gas industry. 43 refs., 2 figs

40 CFR 80.574 - What labeling requirements apply to retailers and wholesale purchaser-consumers of ECA marine...

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 16 2010-07-01 2010-07-01 false What labeling requirements apply to retailers and wholesale purchaser-consumers of ECA marine fuel beginning June 1, 2014? 80.574 Section 80.574 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) REGULATION OF...

The Structural Features of Sports and Race Betting Inducements: Issues for Harm Minimisation and Consumer Protection.

Science.gov (United States)

Hing, Nerilee; Sproston, Kerry; Brook, Kate; Brading, Richard

2017-06-01

Minimal research has been published about inducements for sports and race betting, despite their ready availability and aggressive advertising. This paper aimed to document the range and structural features of these inducements, and analyse their alignment with the harm minimisation and consumer protection goals of responsible gambling. A scan of all inducements offered on the websites of 30 major race and sports betting brands located 223 separate inducements which we categorised into 15 generic types, all offering financial incentives to purchase. These comprised sign-up offers, refer-a-friend offers, happy hours, mobile betting bonuses, multi-bet offers, refund/stake-back offers, matching stakes/deposits, winnings paid for 'close calls', bonus or better odds, bonus or better winnings, competitions, reduced commission, free bets to selected punters, cash rebates and other free bets. All inducements were subject to numerous terms and conditions which were complex, difficult to find, and obscured by legalistic language. Play-through conditions of bonus bets were particularly difficult to interpret and failed basic requirements for informed choice. Website advertisements for inducements were prominently promoted but few contained a responsible gambling message. The results were analysed to generate 12 research propositions considered worthy of empirical research to inform much needed regulatory reform in this area.

ACTIONS OF THE ADMINISTRATION OF THE FEDERAL SERVICE FOR SURVEILLANCE ON CONSUMER RIGHTS PROTECTION AND HUMANWELL-BEING IN KAMCHATSKY KRAI AND FEDERAL HEALTH ORGANIZATION"CENTER OF HYGIENE AND EPIDEMIOLOGYIN THE KAMCHATSKY KRAI" FOR RADIATION PROTECTION OF THE POPULATION IN CONNECTION WITH THE FUKUSHIMA ACCIDENT

Directory of Open Access Journals (Sweden)

N. I. Zhdanova

2011-01-01

Full Text Available The article describes actions of the Administration of the Federal Service for Surveillance on Consumer Rights Protection and Human Well-being in KamchatskyKrai and the Federal Health Organization "Center of Hygiene and Epidemiology in the Kamchatsky Krai" to ensure radiation protection of the population in conditions of the radiation accident at Fukushima nuclear power plant and their co-operation with other regional administrations in solution of this problem. The article also presents results of radiation monitoring in the region and shows absence of any significant radiation exposure to the population of the region resulting from the Fukushima nuclear power plant accident.

Contrasting of CSR strategies self-presentations and consumers expectations in Serbia

Directory of Open Access Journals (Sweden)

Čurčić Radmila D.

2016-01-01

Full Text Available Corporate social responsibility (CSR, as a widely accepted approach is often applied by the companies not only to create a social impact but also as a powerful tool to create the image of the company among customers and increase its visibility. In order to contrast the CSR concepts of leading companies in Serbia as a country in a long-lasting post-socialist transition with the consumers' expectations, search of web-based self-presentations of leading companies in Serbia and questionnaire among consumers were used in present research. Obtained results point out that self-presentation of CSR programs by the leading companies in Serbia is in collision with consumers' expectations in respect to both, presented CSR motives and emphasized CSR activities. Companies are mainly emphasizing performance-driven motives for CSR, while consumers rate higher the motives related to stakeholders and value-based motives. Environment protection is the only activity recognized with similar importance by the companies and by the consumers. Consumers' expectations are the highest in respect to stakeholders-related CSR including consumers, employees and suppliers, while the companies rarely emphasize these aspects of CSR. Oppositely, support for social issues and donations employed very frequently by the companies do not meet high consumers' expectations.

Utility reconnection services : a new threat to vulnerable consumers?

International Nuclear Information System (INIS)

Lott, S.

2002-10-01

The current status of deregulation or restructuring of the energy and telecommunications sector in Canada and the United States was examined along with its impact on low-income consumers. In particular, this report examined the electricity, natural gas and telephone utilities and the extent to which reconnection services have emerged in Canada. With deregulation and utility restructuring, investment and pricing decisions are made according to market forces and competition. The core functions of the utility are unbundled into generation, transmission and distribution functions. The main impact on residential consumers is that their source of supply may change. This report also examined the regulatory responses to utility reconnection services and the impact of market segmentation in the energy sector. It focused on Canada's legislative framework that protects vulnerable consumers. It also examined the federal regulatory role in energy and telecommunications, siting Ontario as an example. It was noted that the experience in the United States with market segmentation and its negative impact on vulnerable consumers should provide some warnings for Canada. 75 refs

Influence of individual differences in disease perception on consumer response to direct-to-consumer genomic testing.

Science.gov (United States)

Boeldt, D L; Schork, N J; Topol, E J; Bloss, C S

2015-03-01

Individuals who undergo multiplex direct-to-consumer (DTC) genomic testing receive genetic risk results for multiple conditions. To date, research has not investigated the influence of individual differences in disease perceptions among consumers on testing outcomes. A total of 2037 participants received DTC genomic testing and completed baseline and follow-up surveys assessing disease perceptions and health behaviors. Participants were asked to indicate their most feared disease of those tested. Perceived seriousness and controllability of the disease via lifestyle or medical intervention were assessed. Participants most frequently reported heart attack (19.1%) and Alzheimer's disease (18.6%) as their most feared disease. Perceived seriousness and control over the feared disease both influenced response to DTC genomic testing. Greater perceived seriousness and diminished perceived control were associated with higher, but not clinically significant levels of anxiety and distress. In some cases these associations were modified by genetic risk. No significant associations were observed for diet, exercise and screening behaviors. Individual differences in disease perceptions influence psychological outcomes following DTC genomic testing. Higher perceived seriousness may make a consumer more psychologically sensitive to test results and greater perceived control may protect against adverse psychological outcomes. Findings may inform development of educational and counseling services. © 2014 John Wiley & Sons A/S. Published by John Wiley & Sons Ltd.

Risk and promise in energy market liberalization: consumer choice in buying electricity

International Nuclear Information System (INIS)

Barton, Barry

1999-01-01

In many countries, where the electricity industry is being exposed to market liberalisation, it is found that the hardest part of the market to reform is retail supply to small business and domestic consumers. There are two main alternatives for promoting consumer choice, metering and load profiling. Notable developments are occurring in the United Kingdom, the United States, Scandinavia and New Zealand. Significant legal difficulties are encountered with such reforms. Among them are contract law, energy-sector regulation, competition law, privacy and individual rights, and consumer protection. The disaggregation of the industry, especially at the retail end, imposes special demands on contract and industry self-regulation. (Author)

Consumer reactions to the use of EU quality labels on food products

DEFF Research Database (Denmark)

Grunert, Klaus G; Aachmann, Kristina

2015-01-01

The EU promotes three types of food quality labels, PDO, PGI and TSG in order to protect producers of food with special qualities and to aid consumers in their decision-making. This papers reviews published research on how these labels affect consumers. 35 studies were identified and are reviewed...... based on a hierarchy of effects framework. While results are conflicting, some overall themes emerge, suggesting that the role of these quality labels in consumer decision-making at present is still relatively low. Suggestions for research are made that would provide a better basis for evidence......-based policy formulation with regard to food quality labels....

Credit-Card Bill Seeks to Protect Students but Could Limit Their Access to Credit

Science.gov (United States)

Field, Kelly

2009-01-01

Congress passed legislation last week that would shield students and other consumers from sudden spikes in interest rates and fees, but that could make it harder for young people to access credit to pay for college. The legislation would extend broad new consumer protections to all credit-card holders, offering special protections to college…

Protecting the United States Against Information Warfare

Science.gov (United States)

2000-04-01

Information Systems Protection, An Invitation to a Dialogue, 2. ECommerce , "Business to Business to Consumer, Transaction Enabled Internet Solutions," n.d...available from <http://www.cplus.net/ ecommerce /estats.html>; Internet; accessed 7 February 2000. 7 Clinton, Defending America’s Cyberspace... ECommerce . "Business to Business to Consumer, Transaction Enabled Internet Solutions." n.d. Available from < http://www.cplus.net/ ecommerce

CONSUMER BEHAVIOR

OpenAIRE

Ilie BUDICA; Silvia PUIU; Bogdan Andrei BUDICA

2010-01-01

The study of consumers helps firms and organizations improve their marketing strategies by understanding issues such as: the psychology of how consumers think, feel, reason, and select between different alternatives; the psychology of how the consumer is influenced by his or her environment; the behavior of consumers while shopping or making other marketing decisions; limitations in consumer knowledge or information processing abilities influence decisions and marke...

Quick Tips for Buying Medicines Over the Internet: A Consumer Safety Guide

Science.gov (United States)

... for You Protecting Yourself Counterfeit Medicine Medication Health Fraud For Consumers For Health Professionals Page Last Updated: ... feeds Follow FDA on Twitter Follow FDA on Facebook View FDA videos on YouTube View FDA photos ...

The capacity of the consumer to process information and make informed choices in the digital internal market (Deliverable 5.4)

OpenAIRE

Sybe de Vries; Marie-Pierre Granger; Silvia Adamo; Andrea Bianculli; Anne-Marie van den Bossche

2016-01-01

If we assume that market integration serves the interest of citizens in their capacity as consumers and optimizes consumer welfare, then the EU rules on free movement and competition could, according to Weatherill, be seen as a form of consumer policy.[1] Since national consumer protection law may impede free movement, which in itself is thus designed to advance the consumer interest, the European Court of Justice (hereafter: ECJ or Court), has developed its own notion of consumer interest.[2...

Organic Food Perception: Fad, or Healthy and Environmentally Friendly? A Case on Romanian Consumers

Directory of Open Access Journals (Sweden)

Dacinia Crina Petrescu

2015-08-01

Full Text Available The main purpose of this paper is to explore consumers’ perceptions of organic food and examine whether organic food products are perceived in the North-West Region of Romania as offering health and environmental benefits or as simply another sine qua non condition to be integrated into the luxurious yuppie lifestyle. The inspiration for our study came from witnessing the stereotypical image of organic food consumers as “stylish, trendy, fancy consumers” in the last three to five years. Scientific evidence on the perceptions of organic food is based on a probabilistic survey. The results indicate an environmental consciousness of organic food consumers in North-Western Region of Romania in terms of organic food: a high percentage of consumers believe that organic food is healthier than conventional food (87% and that it contributes to environmental protection more than conventional food (75%. A statistically significant difference (p < 0.05 was observed between people with higher education and those without higher education concerning the following beliefs: belief that most people consume organic products because they are in fashion, and belief that organic food contributes to environmental protection.

Copper and zinc content in wild game shot with lead or non-lead ammunition - implications for consumer health protection.

Science.gov (United States)

Schlichting, Daniela; Sommerfeld, Christine; Müller-Graf, Christine; Selhorst, Thomas; Greiner, Matthias; Gerofke, Antje; Ulbig, Ellen; Gremse, Carl; Spolders, Markus; Schafft, Helmut; Lahrssen-Wiederholt, Monika

2017-01-01

The aim of this study was to examine the contamination of game meat with copper and zinc and establish whether the use of alternative (non-lead) ammunition can lead to higher or unsafe levels of copper and zinc in the meat of roe deer, wild boar and red deer. The research project "Safety of game meat obtained through hunting" (LEMISI) was conducted in Germany with the purpose of examining the entry of lead as well as copper and zinc into the meat of hunted game when using either lead or non-lead ammunition. The outcome of this study shows that the usage of both lead-based ammunition and alternative non-lead ammunition results in the entry of copper and zinc into the edible parts of the game. Using non-lead ammunition does not entail dangerously elevated levels of copper and zinc, so replacing lead ammunition with alternative ammunition does not introduce a further health problem with regard to these metals. The levels of copper and zinc in game meat found in this study are in the range found in previous studies of game. The content of copper and zinc in game meat is also comparable to those regularly detected in meat and its products from livestock (pig, cattle, sheep) for which the mean human consumption rate is much higher. From the viewpoint of consumer health protection, the use of non-lead ammunition does not pose an additional hazard through copper and zinc contamination. A health risk due to the presence of copper and zinc in game meat at typical levels of consumer exposure is unlikely for both types of ammunition.

77 FR 57566 - Announcement of Public Meeting on the Consumer Confidence Report (CCR) Rule Retrospective Review...

Science.gov (United States)

2012-09-18

... ENVIRONMENTAL PROTECTION AGENCY [EPA-HQ-OW-2012-0035; FRL-9730-7] Announcement of Public Meeting on the Consumer Confidence Report (CCR) Rule Retrospective Review and Request for Public Comment on Potential Approaches to Electronic Delivery of the CCR; Correction AGENCY: Environmental Protection Agency...

Balancing consumer protection and scientific integrity in the face of uncertainty: the example of gluten-free foods.

Science.gov (United States)

McCabe, Margaret Sova

2010-01-01

In 2009, gluten-free foods were not only "hot" in the marketplace, several countries, including the United States, continued efforts to define gluten-free and appropriate labeling parameters. The regulatory process illuminates how difficult regulations based on safe scientific thresholds can be for regulators, manufacturers and consumers. This article analyzes the gluten-free regulatory landscape, challenges to defining a safe gluten threshold, and how consumers might need more label information beyond the term "gluten-free." The article includes an overview of international gluten-free regulations, the Food and Drug Administration (FDA) rulemaking process, and issues for consumers.

Consumer e-health solutions: the cure for Baumol's disease?

Science.gov (United States)

Brown, Adalsteinn D

2014-01-01

Baumol's disease is the fact that costs in persistently labour-intensive sectors such as healthcare do not drop, despite increased use of technology. The idea of consumer e-health solutions is seductive, because it provides one option for treating Baumol's disease. However, barriers to the implementation of these solutions exist, and the successful treatment of Baumol's disease with consumer e-health solutions rests on more than their removal. In this introduction, the editor-in-chief adds to the conversation four shifts that are critical to reaping the benefits of consumer e-health solutions: moving the focus from privacy to protection; from mere access to the use of information in decision-making; from the patient-provider dyad to one that includes a full formal and informal care team; and from structural solutions in healthcare to ones designed around the goals we have for our health system.

Heavy metals in marine fish meat and consumer health: a review.

Science.gov (United States)

Bosch, Adina C; O'Neill, Bernadette; Sigge, Gunnar O; Kerwath, Sven E; Hoffman, Louwrens C

2016-01-15

The numerous health benefits provided by fish consumption may be compromised by the presence of toxic metals and metalloids such as lead, cadmium, arsenic and mercury, which can have harmful effects on the human body if consumed in toxic quantities. The monitoring of metal concentrations in fish meat is therefore important to ensure compliance with food safety regulations and consequent consumer protection. The toxicity of these metals may be dependent on their chemical forms, which requires metal speciation processes for direct measurement of toxic metal species or the identification of prediction models in order to determine toxic metal forms from measured total metal concentrations. This review addresses various shortcomings in current knowledge and research on the accumulation of metal contaminants in commercially consumed marine fish globally and particularly in South Africa, affecting both the fishing industry as well as fish consumers. © 2015 Society of Chemical Industry.

Disclosure of electricity products--lessons from consumer research as guidance for energy policy

International Nuclear Information System (INIS)

Markard, Jochen; Holt, Edward

2003-01-01

In this article we compare recent findings from focus group research on electricity information disclosure in Switzerland with consumer research in the US. On the basis of the results, we provide an overview of disclosure schemes in the US and in Europe. Our aim is to summarize the key issues of electricity disclosure from a residential customer's point of view and to underline the potential of consumer research for energy policy making. The results are as follows: Consumer preferences for electricity disclosure are very similar in Switzerland and the US. There is a basic demand for trustworthy information and market transparency. Consumers want to compare electricity products with regard to price, generation sources, and environmental and contractual attributes. Thus, the disclosure of critical information is important to improve competition by increasing consumer confidence in their ability to choose among electricity offerings. Even more, electricity disclosure is a key element of consumer protection in general, and is a useful educational tool in regulated electricity markets

The impact of the credit legislation on consumers

Directory of Open Access Journals (Sweden)

Hlako Choma

2016-12-01

Full Text Available The purpose of this paper is to examine two South Africa legislations dealing with over indebtedness of a consumer. It is clear that in terms of the South African law, section 129 (1 and 130 (3 of the National Credit Act provide that a creditor provider who wishes to enforce a debt under a credit agreement must first issue a section 129 (1 (a notice to the consumer (the purpose of the notice is to notify the consumer of his/her arrears. On the other hand, the South African National Credit Act encourages the consumers to fulfil the financial obligations for which they are responsible. The second legislation to be examined which serve or appear to serve same purpose as the National Credit Act is the Insolvency Act. It therefore, postulated that the compulsory sequestration of a consumer in terms of the Insolvency Act would stand as an alternative remedy for a credit provider before she/he can have recourse mechanisms, such as debt review that are focused on satisfaction of the consumer’s financial obligation , in terms of the provisions of the National Credit Act. The paper determines to what extend these measures comply with the constitutional consumer protection demands. The legislature had been pertinently cognizant of the Insolvency Act when it lately enacted the National Credit Act. This is much apparent from the express amendment of section 84 of the Insolvency Act to the extent set out in schedule 2 of the National Credit Act

78 FR 59880 - Enhanced Consumer Protections for Charter Air Transportation

Science.gov (United States)

2013-09-30

... Protections for Charter Air Transportation AGENCY: Office of the Secretary (OST), U.S. Department of... charter air transportation. First, this proposal would require air taxis and commuter air carriers that sell charter air transportation but rely on others to perform that air transportation to make certain...

Big Data and Consumer Participation in Privacy Contracts: Deciding who Decides on Privacy

Directory of Open Access Journals (Sweden)

Michiel Rhoen

2015-02-01

Full Text Available Big data puts data protection to the test. Consumers granting permission to process their personal data are increasingly opening up their personal lives, thanks to the “datafication” of everyday life, indefinite data retention and the increasing sophistication of algorithms for analysis.The privacy implications of big data call for serious consideration of consumers’ opportunities to participate in decision-making processes about their contracts. If these opportunities are insufficient, the resulting rules may represent special interests rather than consumers’ needs. This may undermine the legitimacy of big data applications.This article argues that providing sufficient consumer participation in privacy matters requires choosing the best available decision making mechanism. Is a consumer to negotiate his own privacy terms in the market, will lawmakers step in on his behalf, or is he to seek protection through courts? Furthermore is this a matter of national law or European law? These choices will affect the opportunities for achieving different policy goals associated with the possible benefits of the “big data revolution”.

Facilitating consumer participation: an approach to finding the 'right' consumer.

Science.gov (United States)

Happell, Brenda

2010-01-01

Contemporary health care increasingly dictates that consumers of services should become active participants in the health care system. This has placed responsibility on administrators, managers and clinicians to include consumers in key strategic and decision making initiatives. However, this direction has not been accompanied by clear policies or guidelines. Consequently confusion about selecting consumers able to provide valuable input is identified as a barrier to active consumer involvement. The purpose of this paper is to address some concerns raised in the quest to find the "right" consumer, including: finding a consumer without an axe to grind; ensuring the consumer is representative of broader views; health professionals as consumer representatives. While these concerns are common they have not yet been extensively debated and discussed in the broader Literature. Strategies necessary to support consumers in participatory roles are also considered and the controversial subject of financial remuneration for consumers is also explored.

Comparison of sensory perception and verbal expression of Korean Kimchi stews between Chinese consumers and Korean trained panelists.

Science.gov (United States)

Park, Hye-Won; Kim, Young Choul; Jang, Seong-Ho; Hong, Jae-Hee

2018-05-25

Sensory drivers of liking in foreign food markets are difficult to identify because expression of perceived characteristics varies depending on cultural differences. We aimed to identify differences in perception and expression of a Korean home meal replacement product (Kimchi stew) between 10 Korean trained panelists and 50 eastern Chinese consumers (EC) and 54 northern Chinese consumers (NC) using descriptive analysis and rate-all-that-apply (RATA) tests. Regional differences between EC and NC groups were also investigated. Sensory representations of the six Kimchi stew samples were similar between the Korean trained and Chinese consumer panels. Use of simple sensory RATA terms was similar among the groups. However, EC whose daily diet has mild flavors associated consumer terms with negative connotations, such as odd flavor and sharp, with burning sensation and seasoning, implying the influence of regional food cultures. RATA could elicit foreign consumers' sensory representations of an unfamiliar ethnic food that was comparable to that from descriptive analysis, assisting researchers in understanding target consumers' sensory perceptions in a more cost- and time-effective manner. Inclusion of consumer terms in a RATA list and its correlation with descriptive analysis by a native descriptive panel can help in understanding foreign consumers' verbal expressions This article is protected by copyright. All rights reserved. This article is protected by copyright. All rights reserved.

Protecting Your Child's Privacy Online

Science.gov (United States)

... Keeping Up With Kids' Apps infographic Kids and Computer Security Kids and Mobile Phones Kids and Socializing Online ... email Looking for business guidance on privacy and ... The Federal Trade Commission (FTC) is the nation’s consumer protection agency. The FTC works to prevent fraudulent, deceptive ...

Correlating consumer perception and consumer acceptability of traditional Doenjang in Korea.

Science.gov (United States)

Kim, Mina K; Lee, Kwang-Geun

2014-11-01

Doenjang is a traditional Korean food and is widely used for many Korean foods. Consumer perception and consumer acceptability on the typical sensory characteristics of traditional Doenjang remain unknown. The objective of the current study was to determine the consumer perception on traditional Doenjang characteristics and how preexisting consumer perception influenced the consumer liking for traditionally and commercially manufactured Doenjang. A consumer survey was conducted by presenting 26 sensory descriptions to consumers (n = 82) for check-all-that-apply measurement. Then, a consumer acceptance test was conducted over 2 d on 2 Doenjang samples representing commercially produced Doenjang and traditionally produced Doenjang: Day 1 consumers evaluated without any information (n = 182), and day 2 consumers evaluated samples informed that both samples were made by the "traditional" method (n = 109). Two-way ANOVA and multivariate analyses were conducted. Consumers' preexisting perceptions on the typical sensory characteristics of traditionally made Doenjang were similar in that they associate "gu-soo flavor," "dark color," "flavorful," and "well-fermented flavor" regardless of consumer demographics and Doenjang user status. However, these consumer perceptions on sensory attributes of traditional Doenjang did not agree with desirable sensory attributes for consumer liking, in that consumers preferred the commercially made Doenjang regardless of the evaluation condition and consumer user status. Findings from the current study therefore suggested a discrepancy between the preexisting current consumer perception and actual consumer acceptability of traditional Doenjang products. © 2014 Institute of Food Technologists®

[Interaction of the bodies and institutions of the Russian Inspectorate for the protection of consumer rights and human welfare on sanitary-and-epidemiological examinations and issuing sanitary-and-epidemiological opinions].

Science.gov (United States)

Safonkina, S G

2009-01-01

The paper describes problems in the organization of the interaction of the Russian Inspectorate for the Protection of Consumer Rights and Human Welfare in Moscow and the Center for Hygiene and Epidemiology in Moscow to perform sanitary-and-epidemiological examinations and to issue sanitary-and-epidemiological opinions. The goals of setting up a one-window service and measures required for its effective work are defined. Positive results of one-window activities are shown.

MEASUREMENT OF CONSUMER ETHNOCENTRISM OF SLOVAK CONSUMERS

Directory of Open Access Journals (Sweden)

Janka Taborecka-Petrovicova

2014-10-01

Full Text Available The conceptualization of consumer ethnocentrism is inferred from the general concept of ethnocentrism which assumes that ethnocentrism starts with the culture into which an individual is born. Over time, the individual will accept the values and behaviour of this particular culture as a norm. However, when the individual becomes aware of other cultures with different values and behaviours, there develops the need of belonging and identification with own culture rather than that of others. When analysing the consumer ethnocentrism, it is also essential to examine whether consumer ethnocentrism operates uniformly across all consumers or there exist some specific factors moderating their ethnocentric tendencies. A lot of studies researching these issues can be found in various cultural contexts, however in Slovakia we found certain gap since there is just a few of them. The aim of the paper is to investigate the level of consumer ethnocentricity of Slovak consumers in general and with the respect to chosen variables – age and gender. The results can serve as an information base for decision-making process of marketing managers focusing especially on local production of domestic products.

[The REACH legislation: the consumer and environment protection perspective].

Science.gov (United States)

Gundert-Remy, Ursula

2008-12-01

REACH has been initiated with the aim of improving existing legislation. In order to assist in the interpretation of the REACH legislation, guidance documents have been developed, which have only lately become available. According to the REACH annexes and supported by guidance documents, waiving of test requirements will be possible, thus, opening the possibility that under REACH no new (eco)toxicological data will be required. Concerning products, a guidance document was released in April 2008 stating that the substance concentration threshold of 0.1 % (w/w) applies to the article as produced or imported and it does not relate to the homogeneous materials or parts of an article, but relates to the article as such (i.e., as produced or imported). Hence, notification will not be required for many products containing chemicals with properties which place them on the candidate list for authorization. In summary, it is at present not foreseeable whether the expected benefit of the REACH legislation will materialise for the environment and for the health of consumers and at the work place.

COMPARATIVE ASPECTS REGARDING CONSUMPTION AND CONSUMERS IN EUROPEAN COUNTRIES

Directory of Open Access Journals (Sweden)

Cristina LEOVARIDIS

2010-01-01

Full Text Available Consumers are considered, within the European vision, the “life force” of the economy. Although the technological means are increasingly available, both European SMEs and consumers are still suspicious of conducting cross-border trade. Single European market has the potential to become the largest market in the world. Currently, it remains largely fragmented along national borders, forming 27 mini-markets. The European Commission’s aim is to achieve a more integrated internal market such that consumers from each Member State have an equally high level of confidence in products, traders, selling methods, as well as consumer protection – no matter where they decide to make their purchases within the EU. The paper presents a secondary analysis of data regarding the many differences in terms of Europeans’ consumption patterns for different product categories (as a percentage of total expenditures. For example, the share of household budget used to purchase food is highest in our country and lowest in Luxembourg.. Also, the largest proportion of family budget allocated for utilities (water, electricity, gas we find in Bulgaria, and for cultural activities – in Austria.

Indicators of Consumer Protection and Empowerment in the Digital World

DEFF Research Database (Denmark)

Thorun, Christian; Vetter, Max; Reisch, Lucia A.

The process of digitalisation has changed the lives of consumers around the world. Digitalisation makes it easier for consumers to access and process information, potentially increases choice and competition, as well as encouraging innovation. At the same time, however, consumers also face barriers...... of the digital economy: When consumers mistrust businesses, they are discouraged from using new digital products and services. Hence, growth on the supply-side of the digital market presupposes consumer trust on the demand-side of the market. As a result, governments around the world have put the task...... confidence and trust. The G20 Initiative also encourages efforts to develop better metrics, inter alia, for important policy issues like trust in the digital economy. The objective of the present study is to contribute to such a development of better metrics. It aims at testing the feasibility and making...

论微商交易中消费者隐私权的保护%On protection of privacy right of consumer in transaction of Wechat business

Institute of Scientific and Technical Information of China (English)

董润芸; 魏冬妮

2016-01-01

In recent years, the emergence of Wechat has gradually changed the mode of traditional social interaction, and Wechat has become a mainstream platform of daily communication of people.Meanwhile, by utilizinging the large audience of Wechat friend circle, the rapid development of Wechat business attracts more and more attention.However, the lack of unified supervision of Wechat business which is in its initial stage leads to market disorder and the great difficulty for consumers to protect their own rights.The goods with inferior quality flooded in this market not only violate the rights for consumers to know and to claim, but also threat the protection of privacy rights of consumers seriously by the behaviors of some illegal merchants who steal and trade personal information for their expansion of product propaganda.Due to the difficulty and the complex procedure of legislation, there are no laws regulating Wechat business and other internet shopping.To perfect the supervision mechanism of Wechat business and other internet shopping platforms, promote the improvement of technology and management, and promote the establishment of trade self-discipline associations are effective means to regulate the infringement of Wechat business and protect the legal rights and interests of consumers nowadays.%近年来，微信的出现逐渐改变了传统的社交模式，成为人们日常沟通的主流平台。与此同时，借助微信朋友圈庞大的受众群，微商的迅猛发展也受到越来越多的关注。然而，正处于起步阶段的微商缺乏统一的监管，导致市场混乱，消费者维权困难。这一市场充斥的劣质商品不仅侵害消费者的知情权与求偿权，一些不法商家为扩大产品宣传盗取买卖个人信息的行为，也对消费者隐�

An Analysis of “Natural” Food Litigation to Build a Sesame Allergy Consumer Class Action.

Science.gov (United States)

Shaker, Dana

In a world where food allergy is still an incurable disease, law and regulation stand as necessary mechanisms to provide food-allergic consumers with the information they need to protect their health. The Food Allergen Labeling and Consumer Protection Act of 2004 provided specific labeling requirements for the “Top Eight” allergens in the U.S.: milk, soy, gluten, egg, tree nut, peanut, fish, and Crustacean shellfish. Since then, sesame has become more prevalent as an allergen and remains just as dangerous, inducing anaphylactic shock in some sesame-allergic individuals. Yet sesame remains unregulated, despite advocates and congressional members arguing for its inclusion. This note entertains one solution to this problem by exploring the most strategic way to bring a sesame allergy class action against a private food company under California’s consumer protection statutes. Because this kind of class action does not have much, if any, precedent, this note analyzes the basic, preliminary issues that any litigant would have to navigate around to certify a class, including preemption, standing, and the claim itself, by focusing on how courts have examined these issues in the recent “natural” class action litigation. It also analyzes the legal, moral, and practical aspects of choosing a type of relief, as well as whom to include in the class. Finally, this note briefly considers how FDA itself can ensure sesame is regulated on the labels of food products, given that some of the legal issues may well be insurmountable for this particular class action. This note explores the potential solutions to difficult legal hurdles in constructing a sesame allergy class action, arguing that litigating a sesame allergy class action—even if it is not ultimately successful—could start a productive conversation that might lead Congress or FDA to provide greater public health and consumer protection for those with sesame allergy.

A Case Against First Amendment Protections for Commercial Advertising.

Science.gov (United States)

Middleton, Kent R.

Although extending constitutional protection to commercial expression might benefit the consumer, the First Amendment is the wrong instrument for carrying out what are basically economic policies. While in most First Amendment cases the nature of the content determines whether it is constitutionally protected, advertising is distinct in that it…

Drivers of high-involvement consumers' intention to buy PDO wines: Valpolicella PDO case study.

Science.gov (United States)

Capitello, Roberta; Agnoli, Lara; Begalli, Diego

2016-08-01

This study investigates whether different sensory profiles of wines belonging to the same Protected Designation of Origin (PDO) are perceived as different products by consumers. It identifies the drivers of consumers' intention to buy preferred wines. Descriptive sensory analysis, consumer tests and consumer interviews were conducted to reach research aims. To perform the consumer tests and interviews, 443 consumers participated in the survey. The tasted wines comprised five samples representative of Valpolicella PDO wine. Analysis of variance tests, principal component analysis and linear and logit regressions were employed to verify the research hypotheses. The results demonstrated: (1) different sensory profiles exist within the Valpolicella PDO wine; (2) these sensory profiles result in consumers having the perception of diversified products; (3) the perception of differences was less marked for consumers than for trained assessors due to the different weight attributed to visual, aroma and the taste/mouthfeel hedonic dimensions; and (4) consumers' liking, as well as general perceptions, attitudes, preferences, wine knowledge and experience, contribute to consumers' intentions to buy more than the socio-demographic characteristics of consumers. The analysis of the drivers of consumers' intention to buy certain PDO wines provides new marketing insights into the roles of intrinsic quality, preferences and consumers' subjective characteristics in market segmentation. © 2015 Society of Chemical Industry. © 2015 Society of Chemical Industry.

78 FR 36134 - Limitations on Terms of Consumer Credit Extended to Service Members and Dependents

Science.gov (United States)

2013-06-17

... vigilant to eliminate continuing, evolving predatory lending practices targeting service members and their... predatory marketing practices, and other abuses identified by consumer protection advocates, including the...

Instigating involvement through consumer-based brand equity : an attitudinal study of consumer-based brand equity and consumer involvement

OpenAIRE

Bredberg, David; Holmquist, Johan

2009-01-01

Recent research on links between dimensions of consumer-based brand equity, as well as links to consumer involvement, has shown that it is a significant predictor of purchase behavior. The purpose of this dissertation is to explore the affect brands have on consumer involvement. We attempt to investigate how consumer-based brand equity affects the level of consumer involvement. Based on consumer behavior theory and previous research of these areas, gathered primary data (an empirical investig...

16 CFR 1061.8 - Information on the heightened degree of protection afforded.

Science.gov (United States)

2010-01-01

... protection afforded. 1061.8 Section 1061.8 Commercial Practices CONSUMER PRODUCT SAFETY COMMISSION GENERAL APPLICATIONS FOR EXEMPTION FROM PREEMPTION § 1061.8 Information on the heightened degree of protection afforded... State or local requirement provides a significantly higher degree of protection from the risk of injury...

Radiation protection with consumer products containing gaseous tritium light sources; Strahlenschutz bei Konsumguetern mit Tritium-Gaslichtquellen

Energy Technology Data Exchange (ETDEWEB)

Rahders, Erio; Haeusler, Uwe [Bundesamt fuer Strahlenschutz, Berlin (Germany)

2017-08-01

Consumer products containing gaseous tritium light sources (GTLS) were examined with respect to their radiological safety potential regarding leak tightness or accidents. The maximum tritium leakage rate of 2.7 Bq/d determined from experimental testing is well below the criterion for leak tightness of sealed radioactive sources in DIN 25426-4. In order to investigate the incorporation of tritium due to contact with consumer products, 2 scenarios were reviewed; the correct use of a tritium watch and the accident scenario with a keyring.

Health care consumer reports: an evaluation of consumer perspectives.

Science.gov (United States)

Longo, Daniel R; Everet, Kevin D

2003-01-01

There has been a proliferation of health care consumer reports, also known as "consumer guides," "report cards," and "performance reports," which are designed to assist consumers in making more informed health care decisions. While there is evidence that providers use such reports to identify and make changes in practice, thus improving the quality of care, there is little empirical evidence on how consumer guides/report cards are used by consumers. This study fills that gap by surveying 925 patients as they wait for ambulatory care in several clinics in a midwestern city. Findings indicate that consumers are selective in their use of these reports and quickly identify those sections of the report of most interest to them. Report developers should take precautions to ensure such reports are viewed as credible sources of health care information.

Protecting Patient Privacy in Cyber Environments

NARCIS (Netherlands)

J.E.C.M. Aarts (Jos); S.A. Adams (Samantha); B. Kaplan (Bonnie); P.R. DeMuro (Paul); A.E. Solomonides (Anthony)

2016-01-01

textabstractConfidentiality in the medical encounter is crucial to providing adequate patient care. Health data is therefore privileged and protected by legal mechanisms. Health systems use electronic records and large-scale databases. Increasingly consumers use also IT to collect, store and share

Incorporating Transformative Consumer Research into the Consumer Behavior Course Experience

Science.gov (United States)

Petkus, Ed, Jr.

2010-01-01

In contrast to understanding consumer behavior for the benefit of business organizations, transformative consumer research (TCR) seeks to understand consumer behavior for the benefit of consumers themselves. Following Mari's (2008) call for the incorporation of TCR in doctoral programs in marketing, this article outlines the relevance of TCR to…

Intercollegiate Sports (Part 2). Hearings before the Subcommittee on Commerce, Consumer Protection, and Competitiveness of the Committee on Energy and Commerce. House of Representatives, One Hundred Third Congress, First Session (June 23 and August 4, 1993).

Science.gov (United States)

Congress of the U.S., Washington, DC. House Committee on Energy and Commerce.

The House of Representatives Subcommittee on Commerce, Consumer Protection, and Competitiveness met to hear testimony on sex discrimination in secondary and college level athletic programs. The witnesses on the first panel were all current or former college students and plaintiffs in four recent and significant Title IX cases. Title IX was part of…

Your Legal Guide to Consumer Credit, with a Special Section on Bankruptcy. You and the Law Series.

Science.gov (United States)

American Bar Association, Chicago, IL. Public Education Div.

This booklet was published to help people better understand how to use it, how to determine if they are reaching or have reached their credit-debt limit, and what to do if they have exceeded that limit. It also explains federal rules, regulations, and laws pertaining to consumer installment credit that are designed to protect the consumer.…

Patients as consumers of health care in South Africa: the ethical and legal implications.

Science.gov (United States)

Rowe, Kirsten; Moodley, Keymanthri

2013-03-21

South Africa currently has a pluralistic health care system with separate public and private sectors. It is, however, moving towards a socialised model with the introduction of National Health Insurance. The South African legislative environment has changed recently with the promulgation of the Consumer Protection Act and proposed amendments to the National Health Act. Patients can now be viewed as consumers from a legal perspective. This has various implications for health care systems, health care providers and the doctor-patient relationship. Calling a recipient of health care a 'consumer' as opposed to a 'patient' has distinct connotations and may result in differential behaviour. Labels reflect the ideals of the context in which they are used. Various models of the doctor-patient relationship exist and different metaphors have been used to describe it. Increasingly there are third parties involved within the doctor-patient relationship making it more difficult for the doctor to play the fiduciary role. In certain parts of the world, there has been a shift from a traditional paternalistic model to a consumerist model. The ethical implications of the commodification of health care are complex. As health care becomes a 'product' supplied by the health care 'provider', there is the risk that doctors will replace professional ethics with those of the marketplace. Health care is a universal human need and cannot be considered a mere commodity. In modern medical ethics, great emphasis is placed on the principle of respect for patient autonomy. Patients are now the ultimate decision-makers. The new Consumer Protection Act in South Africa applies to consumers and patients alike. It enforces strict liability for harm caused by goods and services. Everyone in the supply chain, including the doctor, can be held jointly and severally liable. This may lead to enormous challenges in health care delivery. Viewing patients as consumers may be detrimental to the doctor

Power system protection 3 application

CERN Document Server

1995-01-01

The worldwide growth in demand for electricity has forced the pace of developments in electrical power system design to meet consumer needs for reliable, secure and cheap supplies. Power system protection, as a technology essential to high quality supply, is widely recognised as a specialism of growing and often critical importance, in which power system needs and technological progress have combined to result in rapid developments in policy and practice in recent years. In the United Kingdom, the need for appropriate training in power system protection was recognised in the early 1960s with t

76 FR 14010 - Public Workshop: Debt Collection 2.0: Protecting Consumers as Technologies Change

Science.gov (United States)

2011-03-15

....html ; Global Debt Registry Recognized As Visa PCI DSS Validated Service Provider, Business Wire (Jan... benefit consumers and debt collectors alike by streamlining the payment process and, in some cases... being unable to interact with each other? 7. What is the prevalence and feasibility of outsourcing the...

Brand placement disclosure effects on persuasion: The moderating role of consumer self-control

NARCIS (Netherlands)

Janssen, L.; Fransen, M.L.; Wulff, R.; van Reijmersdal, E.A.

2016-01-01

The inclusion of branded products in media entertainment has become a popular marketing strategy, because viewers are less likely to recognize the persuasive intent of sponsored content as compared with traditional advertising. To guarantee fair communication and protect consumers against

Privacy exposed : Consumer responses to data collection and usage practices of mobile apps

NARCIS (Netherlands)

Wottrich, V.M.

2018-01-01

Mobile apps are increasingly jeopardizing consumer privacy by collecting, storing, and sharing personal information. However, little is known about users’ responses to data collection and usage practices of apps. This dissertation investigated (1) the status quo of privacy protection behavior, (2)

Marketing strategies - consumers

International Nuclear Information System (INIS)

Campbell, C.

1985-01-01

As Australia's largest consumer organisation, the Australian Consumers' Association (ACA) has a vital role in providing information, so consumers can make an informed choice, as well as participating in formulation of standards to increase the quality of products, including foods. The consumer movement is marketing the process of irradiation and will continue to give consumers information that allows them to make an informed choice

Social representations of genetically modified foods and public willingness to consume such foods in Taiwan.

Science.gov (United States)

Chen, Mei-Fang

2018-04-20

This study highlighted the relevance of how social representations of genetically modified (GM) foods influence the Taiwanese public's willingness to consume GM foods. Moderated regression analysis results revealed that the social representation dimensions of adherence to technology and food as a necessity positively influenced the public's willingness to consume GM foods; however, the dimension of resistance to and suspicion of novelties had a negative influence. Food technology neophobia played a role in predicting people's willingness to consume GM foods and exerted moderating effects to enhance the negative relationship between the respondents' resistance to and suspicion of novelties and their willingness to consume GM foods. This neophobia also changed the positive relationship between food as a necessity and willingness to consume GM foods into negative. One-way ANOVA results revealed that food technology neophobia influences the public's specific social representations of GM foods, personal domain-specific innovativeness, and willingness to consume GM foods. This article is protected by copyright. All rights reserved.

Consumer participation in housing: reflecting on consumer preferences.

Science.gov (United States)

Browne, Graeme; Hemsley, Martin

2010-12-01

Historically, people living with mental illness have had limited chance to participate in mental health services other than as patients. Following on from a recent review focusing on consumer participation in mental health services, this paper looks at consumer participation in housing. Housing is a critical element in recovery from mental illness. Without suitable housing, people have little chance of maintaining other resources in their lives, such as supportive social relationships and meaningful activities. Consumer participation is not a common topic in the recent literature, despite the significant public policy push to promote it. The importance of appropriate housing to the recovery of people living with mental illness cannot be underestimated. Even well-meaning and well-resourced housing initiatives can fall short of meeting consumers' recovery goals when they do not incorporate the expressed needs of consumers. These expressed needs include keeping units small in size and employing drop-in support models.

Liking of traditional cheese and consumer willingness to pay

Directory of Open Access Journals (Sweden)

Ada Braghieri

2014-03-01

Full Text Available We review herein the relevance of credence and sensory attributes for cheese liking as a basis for subsequent discussion on attributes related to traditional dairy products such as place of origin, process characteristics, etc. Several studies suggest that place of origin may have a positive impact on consumer evaluation. In addition, protected designation of origin labels generally affects consumers’ purchasing decisions, with a premium price paid for traditional products. Some of the main dimensions of traditional food products are: familiarity of the product, processing through traditional recipes, sensory properties and origins. However, different dimensions can be relevant for consumers of different countries. Southern European regions frequently tend to associate the concept of traditional with broad concepts such as heritage, culture or history; whereas central and northern European regions tend to focus mainly on practical issues such as convenience, health or appropriateness. Sensitivity to traditional cheese attributes may also vary according to different groups of consumers with older, more educated and wealthier subjects showing higher willingness to pay and acceptance levels. Given that sensory properties play a central role in product differentiation, we can conclude that information about credence attributes, if reliable, positively perceived and directed to sensitive groups of consumers, is able to affect consumer liking and willingness to pay for traditional cheese. Thus, it provides a further potential tool for product differentiation to small-scale traditional farms, where husbandry is often based on extensive rearing systems and production costs tend to be higher.

The Enterprise and State Intervention In Business Contracts: Misrepresentation or Need for Characterization of the Entrepreneur as a Consumer?

Directory of Open Access Journals (Sweden)

Daniel Silva Queiroga

2015-12-01

Full Text Available The recognition of consumer vulnerability to economic power with the Consumer Protection Code (CDC held a true evolutionary split in the commercial law, dividing contracts between business-to-business and business to consumer. This split was cut short by the Superior Court of Justice (STJ, which now applies, in certain situations, consumer standards to business-to- business contracts. In this context, this paper analyzes the practical utility of the application of the CDC to contractual relations between enterprises, in spite of existing rules in the Civil Code of 2002 (CC/2002.

Consumer Health Informatics Aspects of Direct-to-Consumer Personal Genomic Testing.

Science.gov (United States)

Gray, Kathleen; Stephen, Remya; Terrill, Bronwyn; Wilson, Brenda; Middleton, Anna; Tytherleigh, Rigan; Turbitt, Erin; Gaff, Clara; Savard, Jacqueline; Hickerton, Chriselle; Newson, Ainsley; Metcalfe, Sylvia

2017-01-01

This paper uses consumer health informatics as a framework to explore whether and how direct-to-consumer personal genomic testing can be regarded as a form of information which assists consumers to manage their health. It presents findings from qualitative content analysis of web sites that offer testing services, and of transcripts from focus groups conducted as part a study of the Australian public's expectations of personal genomics. Content analysis showed that service offerings have some features of consumer health information but lack consistency. Focus group participants were mostly unfamiliar with the specifics of test reports and related information services. Some of their ideas about aids to knowledge were in line with the benefits described on provider web sites, but some expectations were inflated. People were ambivalent about whether these services would address consumers' health needs, interests and contexts and whether they would support consumers' health self-management decisions and outcomes. There is scope for consumer health informatics approaches to refine the usage and the utility of direct-to-consumer personal genomic testing. Further research may focus on how uptake is affected by consumers' health literacy or by services' engagement with consumers about what they really want.

How may consumer policy empower consumers for sustainable lifestyles?

DEFF Research Database (Denmark)

Thøgersen, John

2005-01-01

Consumer policy can empower consumers for changing lifestyles by reducing personal constraints and limitations, but it should also attempt to loosen some of the external constraints that make changes towards a more sustainable lifestyle difficult. In terms of reducing consumers' subjectively felt...... restrictions on their ability to change lifestyle, the two approaches are equivalent. Policies that increase a feeling of empowerment may also have a positive effect on consumers' motivation to make an effort, thus amplifying its effects. In this paper both types of constraints on lifestyle changes...

16 CFR 313.16 - Protection of Fair Credit Reporting Act.

Science.gov (United States)

2010-01-01

... CONGRESS PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 313.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or... 16 Commercial Practices 1 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 313...

Regulatory requirements for the use of consumer products containing radioactive substances

International Nuclear Information System (INIS)

Mason, G.C.; Paynter, R.A.; Schmitt-Hannig, A.; Sztanyik, L.B.

1996-01-01

In almost 100 years since the discovery of radioactivity, the properties of radioactive materials have been exploited in products such as clocks and watches incorporating luminous paint which are freely available to members of the public. Over time, regulatory authorities have felt it necessary to apply some degree of control to the supply and use of such products in order to protect public health. In many areas of radiation protection, national authorities take note of international recommendations when developing national standards, but the existing detailed guidance of the International Atomic Energy Agency (IAEA) for consumer products is incomplete and out of date. Recently, a thorough revision of the International Basic Safety Standards (BSS) has occurred, which has prompted a review and revision of the related guidance published by the IAEA. A draft Guide on Regulatory Requirements for the Use of Consumer Products Containing Radioactive Substances has now been completed and is currently under review within the IAEA's system for development of documents in its Safety Series of publications. (author)

Differences in legislation of data privacy protection in internet marketing in USA, EU and Serbia

Directory of Open Access Journals (Sweden)

Markov Jasmina

2012-01-01

Full Text Available There is a growing number of companies that are, in its operations and dealings with consumers, turning to the Internet and using huge opportunities that it provides. Therefore, Internet marketing is now experiencing extreme expansion and it is considered to be the marketing segment that is vulnerable to intensive and continuous change. Along with the positive effects brought to both businesses and consumers, there are some negatives associated with this form of marketing, and one of them is the insufficient protection of privacy. The fact is that we must raise the level of data protection, and improve its quality. Intense changes have to be taken on the normative level, because there are still plenty of reasons for the dissatisfaction of consumers when it comes to protecting their privacy. Thus, the legislation must play a key role in building consumer confidence as well as in the establishment of a positive relationship with marketers. The aim of this paper is to show the importance of the construction of such levels of private data protection which will establish longterm partnerships between consumers, marketers and other participants in the market, since only the aforementioned relations can bring prosperity to all parties. The paper will make a comparative analysis of the legislative framework in this field in the United States, the European Union and Serbia, as well as stress still present significant backlog of Serbia in relation to the aforementioned developed countries.

Derived intervention levels for mostly consumed foodstuffs in Iran

International Nuclear Information System (INIS)

Fathivand, A. A.; Amidi, J.

2006-01-01

Measures to protect the public following an accidental release of radionuclides to the environment will depend on the circumstances including the extent of the potential hazards. The projected levels of risk are an important precondition in emergency planning. The levels can be expressed in terms of concentration levels in the environment or in protection in foodstaffs. These derived intervention levels can be determined for the range of important radionuclides that could be released to the environment in the event of a nuclear accident. Materials and Methods: Derived intervention levels for 90 Sr, 131 l, Cs 134 + 137 Cs, 238 Pu + 239 Ru+ 241 Am and 103 Ru + 106 Ru radionuclide groups were calculated for infants ( 17 years) for mostly consumed foodstuffs in Iran. Calculations of DlLs were based on recommendations from international, national organizations and average food consumption rate data for Iran. Results: From our research it was found that DlLs for foodstuffs consumed in lran for above mentioned radionuclide groups except for Ruthenium group are equal to 387, 250, 1023 and 2.8 Bqkg -1 respectively. Conclusion: The comparison of DILs for foodstuffs consumed in lran and DILs adopted in the new food and drug administration Compliance Policy Guide which are 160, 170, 1200, 2 Bq.kg -1 for 90 Sr, 131 I, 134 / 137 Cs, 2 38 / 239 Pu plus 241 Am radionuclide groups respectively, shows agreement with cesium and plutonium group and higher values for strontium and Iodine group. In the case of nuclear accident or radiological events that might affect our country calculated DILs can be used to prevent or reduce exposure due to consumption of foodstuffs

An Overview: Consumer Protection in Higher Education. Why? For Whom? How?

Science.gov (United States)

Willett, Sandra L.

The protection of the student and prospective student at the postsecondary level is examined. Twenty-five possible educational abuses and concerns, such as discriminatory refund policies and misrepresentation, identified by the Federal Interagency on Education are listed. Ten issues selected as the thrust of the first National Conference on…

Invasive plant species alters consumer behavior by providing refuge from predation.

Science.gov (United States)

Dutra, Humberto P; Barnett, Kirk; Reinhardt, Jason R; Marquis, Robert J; Orrock, John L

2011-07-01

Understanding the effects of invasive plants on native consumers is important because consumer-mediated indirect effects have the potential to alter the dynamics of coexistence in native communities. Invasive plants may promote changes in consumer pressure due to changes in protective cover (i.e., the architectural complexity of the invaded habitat) and in food availability (i.e., subsidies of fruits and seeds). No experimental studies have evaluated the relative interplay of these two effects. In a factorial experiment, we manipulated cover and food provided by the invasive shrub Amur honeysuckle (Lonicera maackii) to evaluate whether this plant alters the foraging activity of native mammals. Using tracking plates to quantify mammalian foraging activity, we found that removal of honeysuckle cover, rather than changes in the fruit resources it provides, reduced the activity of important seed consumers, mice in the genus Peromyscus. Two mesopredators, Procyon lotor and Didelphis virginiana, were also affected. Moreover, we found rodents used L. maackii for cover only on cloudless nights, indicating that the effect of honeysuckle was weather-dependent. Our work provides experimental evidence that this invasive plant species changes habitat characteristics, and in so doing alters the behavior of small- and medium-sized mammals. Changes in seed predator behavior may lead to cascading effects on the seeds that mice consume.

12 CFR 216.16 - Protection of Fair Credit Reporting Act.

Science.gov (United States)

2010-01-01

... PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Relation to Other Laws; Effective Date § 216.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 216.16...

12 CFR 716.16 - Protection of Fair Credit Reporting Act.

Science.gov (United States)

2010-01-01

... PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 716.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or supersede the... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 716.16...

12 CFR 332.16 - Protection of Fair Credit Reporting Act.

Science.gov (United States)

2010-01-01

... GENERAL POLICY PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 332.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 332.16...

How may consumer policy empower consumers for sustainable lifestyles?

DEFF Research Database (Denmark)

Thøgersen, John

At least judged by its outcome, it seems that consumers in the rich parts of the world make less of an effort at changing their lifestyle in a sustainable direction than is desired by society and than is in their own collective long-term interest. Part of the explanations is that individual......'s striving for sustainability. The relevant external conditions are an extremely diverse set of factors, perhaps their only commonality being that, unless making an organized effort, consumers can do nothing about them. Because external conditions influence all or many consumers, making them more...... facilitating for sustainable consumption can be much more effective than anything an individual consumer can do. Many of the external constraints facing consumers who want to adopt a more sustainable lifestyle are of a relative nature and their impact depends on the individual's resources. For instance...

Attitudes vs. Purchase Behaviors as Experienced Dissonance: The Roles of Knowledge and Consumer Orientations in Organic Market.

Science.gov (United States)

Hidalgo-Baz, María; Martos-Partal, Mercedes; González-Benito, Óscar

2017-01-01

This research focuses on the incongruity between positive attitudinal responses but a lack of purchase behavior in organic markets. According to cognitive dissonance theory, consumer orientations toward the benefits attributed to organic products (environmental protection, health, hedonic) relieve the dissonance that results from this attitude-behavior incongruity. Knowledge also functions as a transmitter, from positive attitudes to purchase behaviors, thereby reducing the incongruity. Using quota sampling in a survey study, this paper tests the hypotheses from linear regression models. The results show that orientations and knowledge improve the congruity between attitudes and purchase behaviors toward organic products. Moreover, interaction effects arise between the environmental protection orientation and knowledge and between the hedonic orientation and knowledge. Increasing knowledge mitigates the difference between attitudes and purchase behaviors, especially for consumers with environmental protection or hedonic orientations. These findings have several important implications for research and practice.

Attitudes vs. Purchase Behaviors as Experienced Dissonance: The Roles of Knowledge and Consumer Orientations in Organic Market

Science.gov (United States)

Hidalgo-Baz, María; Martos-Partal, Mercedes; González-Benito, Óscar

2017-01-01

This research focuses on the incongruity between positive attitudinal responses but a lack of purchase behavior in organic markets. According to cognitive dissonance theory, consumer orientations toward the benefits attributed to organic products (environmental protection, health, hedonic) relieve the dissonance that results from this attitude–behavior incongruity. Knowledge also functions as a transmitter, from positive attitudes to purchase behaviors, thereby reducing the incongruity. Using quota sampling in a survey study, this paper tests the hypotheses from linear regression models. The results show that orientations and knowledge improve the congruity between attitudes and purchase behaviors toward organic products. Moreover, interaction effects arise between the environmental protection orientation and knowledge and between the hedonic orientation and knowledge. Increasing knowledge mitigates the difference between attitudes and purchase behaviors, especially for consumers with environmental protection or hedonic orientations. These findings have several important implications for research and practice. PMID:28286489

The negative impact of technological accidents on the consumers behaviors

International Nuclear Information System (INIS)

Demedardi, J.A.

2009-01-01

After the accidental release in the Tricastin site, the wine producers of this region where grows a vineyard with a protected designation of origin (A.O.C. in French legislation) noticed a consistent decrease of their sales. This consumers behavior is not rational because the vineyard is far from the area concerned by this accidental pollution. Face to an open market, the consumer has a freedom of choice that allows him to reject a product on which a sanitary suspicion presses. That is what shows an inquiry made by students in France. The consequences of an accident are not only linked to the sanitary safety or environmental stakes but depends on economical mechanisms such image or attractiveness loss. (N.C.)

Influence of quality labels on the formation of preferences of lamb meat consumers. A Spanish case study.

Science.gov (United States)

Bernabéu, Rodolfo; Rabadán, Adrián; El Orche, Nour E; Díaz, Mónica

2018-01-01

Analysis of the attributes determining the formation of consumers' preferences when buying lamb meat is a key aspect in increasing the demand for this product. To this end, by means of conjoint analysis, we determined lamb meat consumers' preferences according to their frequency of consumption, and we used logistic simulation to analyse market shares of the most valued attributes. After segmenting the market into habitual and occasional consumers of lamb meat, our results seem to suggest that while regular consumers base their preferences mostly on origin, occasional consumers take other attributes into account, such as Protected Geographical Origin (PGI) and organic production. An analysis of market shares shows that PGI significantly influences consumer preferences, while ecological production has a less marked impact. This finding confirms the usefulness of PGI in the lamb meat market and highlights the urgent need to improve the communication strategy of the organic production sector as a synergistic effect to increase its acceptance among consumers. Copyright © 2017 Elsevier Ltd. All rights reserved.

12 CFR 573.16 - Protection of Fair Credit Reporting Act.

Science.gov (United States)

2010-01-01

... CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 573.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or supersede the operation of the... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 573.16...

The collection and interpretation of domestic accident data. A discussion on some aspects of the British consumer safety system.

Science.gov (United States)

Wilson, J R

1979-06-01

This article discusses the workings of a Consumer Safety System and identifies the problems of collecting and using domestic accident data. In the light of proposed changes in the civil law on product liability, particular consideration is given to the difficulties of providing evidence of consumer product involvement in domestic accidents. The paper is based on one read at the CBI Conference "Product Liability in Perspective", held at the Hilton Hotel, London, 30-31 March, 1977. The views expressed are those of the Institute for Consumer Ergonomics and are not necessarily those of the Department of Prices and Consumer Protection.

The Role of Consumer's Identification in Consumer Behavior and Branding

Directory of Open Access Journals (Sweden)

Mana Razeghi

2017-11-01

Full Text Available The purpose of this paper is to investigate relationships between congruity of consumer and brand values, brand identification, brand commitment, and word of mouth. In order to test the relationships between variables 600 questionnaire were distributed in Dubai Malls (Sun and Sand Sports and 334 of questionnaires were received and analyzed. To verify the validity of the questionnaire and to test the significance of observer variables (questionnaire and latent variables (factors, confirmatory factor analysis was used, and Cronbach's alpha was employed to test the reliability. To evaluate the association between variables, the Pearson correlation test is used, and then to verify the conceptual model test the structural equation modeling (SEM and LISREL software are deployed. The result shows that Value congruity positively influences consumers' identification with a brand and Value congruity positively influences consumers ‘commitment to brand. The result also shows that Consumer identification has a positive influence on brand commitment and mediating variable between value congruity and brand commitment and Consumers commitment to a brand has a positive influence on positive WOM and mediating variable between consumers' identification and WOM. The results also demonstrate that Consumer identification positively influences positive WOM.

Proceedings of the 12. forum: Croatian Energy Day: Energy consumers in open market conditions

International Nuclear Information System (INIS)

Granic, G.; Jelavic, B.

2003-01-01

technology systems, measuring device technology, etc; supply quality, related sub-law acts, financial and numerical indices in various countries; rights to supplier choice; issues related to the connection of new consumers to the grid; consumer protection, role of Energy Regulation Council; benchmarking in the function of customer protection. (author)

Changes in seafood consumer preference patterns and associated changes in risk exposure

Energy Technology Data Exchange (ETDEWEB)

Jensen, Helen H. [Iowa State University, Department of Economics, 578 Heady Hall, Ames, IA 50011 (United States)]. E-mail hhjensen@iastate.edu

2006-07-01

Consumers world-wide are driving changes in the agriculture and food sector. Rising consumer income, changing demographics and lifestyles, and shifting preferences due to new information about the links between diet and health all contribute to new demands for foods. At the same time, technological changes in production, processing and distribution, growth in large-scale retailing, and changes in product availability, as well as expansion of trade world wide, have contributed to a rapidly changing market for food products. Changes in seafood consumption reflect these changes. The changes in consumer consumption patterns, new technologies and trade in product offer both expanded markets as well as new challenges to consumer exposure to food-borne risks. The strict quality control requirements of retail brokers, growth of private labels, and development of value-protecting marketing channels have become increasingly important in food markets. This paper addresses major trends that affect seafood consumption and the market for seafood products and the implications of these changes for consumer risk exposure to food safety hazards. The current economic environment highlights similarities and differences between the developed and developing countries, as well as diversity worldwide in consumption of seafood. Within this context, four major trends affect consumer consumption of foods, including seafood and fish products today: rising income; changing demographics; changing markets for food; and an increasingly global market for food products. Changes in consumer risk exposure to food safety problems are addressed in the context of these trends.

Changes in seafood consumer preference patterns and associated changes in risk exposure

International Nuclear Information System (INIS)

Jensen, Helen H. . E-mail hhjensen@iastate.edu

2006-01-01

Consumers world-wide are driving changes in the agriculture and food sector. Rising consumer income, changing demographics and lifestyles, and shifting preferences due to new information about the links between diet and health all contribute to new demands for foods. At the same time, technological changes in production, processing and distribution, growth in large-scale retailing, and changes in product availability, as well as expansion of trade world wide, have contributed to a rapidly changing market for food products. Changes in seafood consumption reflect these changes. The changes in consumer consumption patterns, new technologies and trade in product offer both expanded markets as well as new challenges to consumer exposure to food-borne risks. The strict quality control requirements of retail brokers, growth of private labels, and development of value-protecting marketing channels have become increasingly important in food markets. This paper addresses major trends that affect seafood consumption and the market for seafood products and the implications of these changes for consumer risk exposure to food safety hazards. The current economic environment highlights similarities and differences between the developed and developing countries, as well as diversity worldwide in consumption of seafood. Within this context, four major trends affect consumer consumption of foods, including seafood and fish products today: rising income; changing demographics; changing markets for food; and an increasingly global market for food products. Changes in consumer risk exposure to food safety problems are addressed in the context of these trends

Changes in seafood consumer preference patterns and associated changes in risk exposure.

Science.gov (United States)

Jensen, Helen H

2006-01-01

Consumers world-wide are driving changes in the agriculture and food sector. Rising consumer income, changing demographics and lifestyles, and shifting preferences due to new information about the links between diet and health all contribute to new demands for foods. At the same time, technological changes in production, processing and distribution, growth in large-scale retailing, and changes in product availability, as well as expansion of trade world wide, have contributed to a rapidly changing market for food products. Changes in seafood consumption reflect these changes. The changes in consumer consumption patterns, new technologies and trade in product offer both expanded markets as well as new challenges to consumer exposure to food-borne risks. The strict quality control requirements of retail brokers, growth of private labels, and development of value-protecting marketing channels have become increasingly important in food markets. This paper addresses major trends that affect seafood consumption and the market for seafood products and the implications of these changes for consumer risk exposure to food safety hazards. The current economic environment highlights similarities and differences between the developed and developing countries, as well as diversity worldwide in consumption of seafood. Within this context, four major trends affect consumer consumption of foods, including seafood and fish products today: rising income; changing demographics; changing markets for food; and an increasingly global market for food products. Changes in consumer risk exposure to food safety problems are addressed in the context of these trends.

Consumer Finance

OpenAIRE

Peter Tufano

2009-01-01

Although consumer finance is a substantial element of the economy, it has had a smaller footprint within financial economics. In this review, I suggest a functional definition of the subfield of consumer finance, focusing on four key functions: payments, risk management, moving funds from today to tomorrow (saving/investing), and from tomorrow to today (borrowing). I provide data showing the economic importance of consumer finance in the American economy. I propose a historical explanation fo...

Environmental Control and Life Support Systems for Mars Exploration: Issues and Concerns for Planetary Protection and the Protection of Science

Science.gov (United States)

Barta, Daniel J.; Lange, Kevin; Anderson, Molly; Vonau, Walter

2016-07-01

Planetary protection represents an additional set of requirements that generally have not been considered by developers of technologies for Environmental Control and Life Support Systems (ECLSS). Forward contamination concerns will affect release of gases and discharge of liquids and solids, including what may be left behind after planetary vehicles are abandoned upon return to Earth. A crew of four using a state of the art ECLSS could generate as much as 4.3 metric tons of gaseous, liquid and solid wastes and trash during a 500-day surface stay. These may present issues and concerns for both planetary protection and planetary science. Certainly, further closure of ECLSS systems will be of benefit by greater reuse of consumable products and reduced generation of waste products. It can be presumed that planetary protection will affect technology development by constraining how technologies can operate: limiting or prohibiting certain kinds of operations or processes (e.g. venting); necessitating that other kinds of operations be performed (e.g. sterilization; filtration of vent lines); prohibiting what can be brought on a mission (e.g. extremophiles); creating needs for new capabilities/ technologies (e.g. containment). Although any planned venting could include filtration to eliminate micro-organisms from inadvertently exiting the spacecraft, it may be impossible to eliminate or filter habitat structural leakage. Filtration will add pressure drops impacting size of lines and ducts, affect fan size and energy requirements, and add consumable mass. Technologies that may be employed to remove biomarkers and microbial contamination from liquid and solid wastes prior to storage or release may include mineralization technologies such as incineration, super critical wet oxidation and pyrolysis. These technologies, however, come with significant penalties for mass, power and consumables. This paper will estimate the nature and amounts of materials generated during Mars

Arsenic Speciation in US Consumed Rice with an Emphasis on Bioaccessiblity and the Exposure Assessment Implications Dataset

Data.gov (United States)

U.S. Environmental Protection Agency — Arsenic Speciation in US Consumed Rice with an Emphasis on Bioaccessiblity and the Exposure Assessment Implications. This dataset is associated with the following...

Bringing the DERP to consumers: 'Consumer Reports Best Buy Drugs'.

Science.gov (United States)

Findlay, Steven D

2006-01-01

Consumers Union, publisher of Consumer Reports magazine, has used the drug class reviews of the Drug Effectiveness Review Project (DERP) as one critical component of a free public information project on the comparative effectiveness, safety, and cost of prescription drugs. The project translates the DERP findings for consumers. Drawing on other sources and adding information on drug costs, the project chooses Best Buy drugs in each category it evaluates. This guidance can help consumers save up to thousands of dollars per year, and it has the potential to reduce overall drug spending.

Linking Consumer Rights with Citizen Roles: An Opportunity for Consumer Educators.

Science.gov (United States)

Stevens, Georgia L.

1994-01-01

Consumer educators can help students develop consumer/citizen roles through curricula linking consumer rights with citizen responsibilities. Dialogue about issues, community needs assessment, and community volunteer service enable students to practice citizen roles. (SK)

Effect of direct-to-consumer genetic tests on health behaviour and anxiety: a survey of consumers and potential consumers.

Science.gov (United States)

Egglestone, Corin; Morris, Anne; O'Brien, Ann

2013-10-01

Direct-to-consumer (DTC) genetic tests can be purchased over the internet. Some companies claim to provide relative genetic risks for various diseases and thus encourage healthy behaviour. There are concerns that exposure to such information may actually discourage healthy behaviour or increase health anxiety. An online survey was conducted (n = 275). Respondents were composed of individuals who had purchased a DTC genetic test and received their results (consumers, n = 189), as well as individuals who were either awaiting test results or considering purchasing a test (potential consumers, n = 86). Consumers were asked if their health behaviour or health anxiety had changed after receiving their results. Respondents' current health behaviour and health anxiety were queried and compared. In total, 27.3 % of consumers claimed a change in health behaviour, all either positive or neutral, with no reported cessation of any existing health behaviour. A change in health anxiety was claimed by 24.6 % of consumers, 85.3 % of which were a reduction. Consumers had significantly better health behaviour scores than potential consumers (p = 0.02), with no significant difference in health anxiety. This study points towards an association between receipt of DTC genetic test results and increased adoption of healthy behaviours for a minority of consumers based on self-report, with more mixed results in relation to health anxiety.

Price Intransparency, Consumer Decision Making and European Consumer Law

OpenAIRE

Boom, Willem

2011-01-01

textabstractPrice comparison is a basic element of competition. For comparison to work, at least prices need to be transparent. Moreover, price is usually a focal point in consumer thinking and deciding on transactions. Hence, obfuscating prices can be detrimental to consumers. Therefore, it is vital for policymakers to know how transparent pricing is in reality. Commercial practices involving price intransparency can be detrimental to consumer decision making and may be associated with marke...

Patients as consumers of health care in South Africa: the ethical and legal implications

Science.gov (United States)

2013-01-01

Background South Africa currently has a pluralistic health care system with separate public and private sectors. It is, however, moving towards a socialised model with the introduction of National Health Insurance. The South African legislative environment has changed recently with the promulgation of the Consumer Protection Act and proposed amendments to the National Health Act. Patients can now be viewed as consumers from a legal perspective. This has various implications for health care systems, health care providers and the doctor-patient relationship. Discussion Calling a recipient of health care a ‘consumer’ as opposed to a ‘patient’ has distinct connotations and may result in differential behaviour. Labels reflect the ideals of the context in which they are used. Various models of the doctor-patient relationship exist and different metaphors have been used to describe it. Increasingly there are third parties involved within the doctor-patient relationship making it more difficult for the doctor to play the fiduciary role. In certain parts of the world, there has been a shift from a traditional paternalistic model to a consumerist model. The ethical implications of the commodification of health care are complex. As health care becomes a ‘product’ supplied by the health care ‘provider’, there is the risk that doctors will replace professional ethics with those of the marketplace. Health care is a universal human need and cannot be considered a mere commodity. In modern medical ethics, great emphasis is placed on the principle of respect for patient autonomy. Patients are now the ultimate decision-makers. The new Consumer Protection Act in South Africa applies to consumers and patients alike. It enforces strict liability for harm caused by goods and services. Everyone in the supply chain, including the doctor, can be held jointly and severally liable. This may lead to enormous challenges in health care delivery. Summary Viewing patients as

Impulsive consumer behavior

OpenAIRE

Kovač Žnideršić, Ružica; Grubor, Aleksandar; Marić, Dražen

2014-01-01

Research into consumer behaviour features as the foundation of all the planned and implemented marketing activities of a company. Consumer behaviour is determined by numerous factors, and is therefore characterised as highly complex and difficult to predict. A particular challenge for marketing science and practice is to research impulse consumer behaviour in shopping – a behaviour that occurs when consumers experience a sudden, powerful and persistent urge to buy something immediately. This ...

Protection coordination: Determination of break point set

NARCIS (Netherlands)

Madani, S.M.; Rijanto, H.

1998-01-01

Modern power system networks are often multiloop structured. The co-ordinated setting of overcurrent and distance protective relays in such networks is tedious and time consuming. The complicated part of this problem is the determination of a proper minimum set of relays, the so-called minimum

Consumers as co-developers

DEFF Research Database (Denmark)

Jeppesen, Lars Bo; Molin, Måns J.

Abstract: This study describes a process in which a firm relies on an external consumer communityfor innovation. While it has been recognized that users may sometimes innovate, little is known aboutwhat commercial firms can do to motivate and capture such innovations and their related benefits...... firms purposively can do to generate consumer innovation efforts. An explorative casestudy shows that consumer innovation can be structured, motivated, and partly organized by acommercial firm that lays out the infrastructure for interactive learning by consumers in a publicKeywords: Product Development......, Consumer-to-Consumer Interaction, Learning, Consumer Innovation, Community, User-toolkits. JEL code(s): L21; L23; O31; O32...

Environmentally Friendly Consumer

DEFF Research Database (Denmark)

Reijonen, Satu

2011-01-01

on the green consumer: cultural determinism, psycho-socio-demographic determinism and calculative determinism. An explanation of the green consumer in these terms, however, loses sight of the emergence and processuality of consumer behaviour. Process oriented constructionism, by contrast, is useful to recover...... these important aspects. This paper suggests a research agenda focused on socio-material processes and situated actions that lead to the emergence and stabilization of a particular type of consumer behaviour.......Several attempts have been made by academics in the past to explain the so-called ‘environmentally conscious’ consumer. These explanations share an important feature, namely determinism. This paper identifies three different sources of determinism that are distinguished in recent literature...

Participatory action research designs in applied disability and rehabilitation science: protecting against threats to social validity.

Science.gov (United States)

Seekins, Tom; White, Glen W

2013-01-01

Researchers and disability advocates have been debating consumer involvement in disability and rehabilitation science since at least 1972. Despite the length of this debate, much confusion remains. Consumer involvement may represent a spirit of democracy or even empowerment, but as a tool of science, it is necessary to understand how to judge its application. To realize consumer involvement as a design element in science, researchers need a framework for understanding how it can contribute to the scientific process. The thesis of this article is that a primary scientific function of consumer involvement is to reduce threats to the social validity of research, the extent to which those expected to use or benefit from research products judge them as useful and actually use them. Social validity has traditionally not been treated with the same rigor as concerns for internal and external validity. This article presents a framework that describes 7 threats to social validity and explains how 15 forms of consumer involvement protect against those threats. We also suggest procedures for reporting and reviewing consumer involvement in proposals and manuscripts. This framework offers tools familiar to all scientists for identifying threats to the quality of research, and for judging the effectiveness of strategies for protecting against those threats. It may also enhance the standing of consumer involvement strategies as tools for protecting research quality by organizing them in a way that allows for systematic criticism of their effectiveness and subsequent improvement. Copyright © 2013 American Congress of Rehabilitation Medicine. Published by Elsevier Inc. All rights reserved.

Consumers' attitudes towards GM Free products in a European Region. The case of the Prefecture of Drama-Kavala-Xanthi in Greece.

Science.gov (United States)

Tsourgiannis, L; Karasavvoglou, A; Florou, G

2011-10-01

This study aims to identify the factors that affect consumers purchasing behaviour towards food products that are free from Genetic Modified Organism (GM Free) in a European Region and more precisely in the Prefecture of Drama-Kavala-Xanthi. Field interviews conducted in a random selected sample consisted of 337 consumers in the cities of Drama, Kavala, Xanthi, in November and December of 2009. Principal components analysis (PCA) was conducted in order to identify the factors that affect people in preferring consuming products that are GM Free. The factors that influence people in the study area to buy GM Free products are: (a) products' certification as GM Free or organic products, (b) interest about the protection of the environment and nutrition value, (c) marketing issues, and (d) price and quality. Furthermore, cluster and discriminant analysis identified two groups of consumers: (a) those are influenced by the product price, quality and marketing aspects and (b) those are interested in product's certification and environmental protection. Non parametric statistical bivariate techniques were performed to profile the identified groups of consumers regarding their personal characteristics and some other factors affecting their buying behaviour. Copyright © 2011. Published by Elsevier Ltd.

Natural antioxidant activity of commonly consumed plant foods in India: effect of domestic processing.

Science.gov (United States)

Sreeramulu, D; Reddy, C V K; Chauhan, Anitha; Balakrishna, N; Raghunath, M

2013-01-01

Phytochemicals protect against oxidative stress which in turn helps in maintaining the balance between oxidants and antioxidants. In recent times natural antioxidants are gaining considerable interest among nutritionists, food manufacturers, and consumers because of their perceived safety, potential therapeutic value, and long shelf life. Plant foods are known to protect against degenerative diseases and ageing due to their antioxidant activity (AOA) attributed to their high polyphenolic content (PC). Data on AOA and PC of Indian plant foods is scanty. Therefore we have determined the antioxidant activity in 107 commonly consumed Indian plant foods and assessed their relation to their PC. Antioxidant activity is presented as the range of values for each of the food groups. The foods studied had good amounts of PC and AOA although they belonged to different food groups. Interestingly, significant correlation was observed between AOA (DPPH and FRAP) and PC in most of the foods, corroborating the literature that polyphenols are potent antioxidants and that they may be important contributors to the AOA of the plant foods. We have also observed that common domestic methods of processing may not affect the PC and AOA of the foods studied in general. To the best of our knowledge, these are the first results of the kind in commonly consumed Indian plant foods.

The radiological testing of consumer products 1976-1978

International Nuclear Information System (INIS)

Wilkins, B.T.; Dixon, D.W.

1979-02-01

The National Radiological Protection Board's source testing laboratory has been operational since 1976. In the intervening period the types of consumer product which have received most attention have been ionisation chamber smoke detectors and liquid crystal digital watches containing gaseous tritium light sources; the results obtained on these two types of device are the main subject of this report. The report also traces the development of the practical appraisal of these devices by the Board and describes the part played by the test results in the evolution of national and international standards. (author)

Ordered Consumer Search

OpenAIRE

Armstrong, Mark

2016-01-01

The paper discusses situations in which consumers search through their options in a deliberate order, in contrast to more familiar models with random search. Topics include: network effects (consumers may be better off following the same search order as other consumers); the use of price and non-price advertising to direct search; the impact of consumers starting a new search with their previous supplier; the incentive sellers have to merge or co-locate with other sellers; and the incentive a...

Food irradiation, will it bring more preventive consumer protection or rather threaten compliance with hygiene standards in food production?

International Nuclear Information System (INIS)

Schalch, B.; Stolle, A.; Eisgruber, H.

1999-01-01

The paper discusses consumer acceptance of irradiated food in Germany, where acceptance is particularly low compared to other countries, and examines the reasons for this attitude. One reason ascertained is the poor information of the consumers about the advantages and risks of food irradiation. Problems involved and available, proven irradiation techniques for enhanced safety of food are discussed. (orig./CB) [de

Consumer Information. NASFAA Task Force Report. Consumer Information

Science.gov (United States)

National Association of Student Financial Aid Administrators, 2014

2014-01-01

The National Association of Student Financial Aid and Administrators (NASFAA) Consumer Information Task Force was convened to conduct a thorough review of the current student consumer information requirements and propose ways to streamline both the content and delivery of those requirements. The proposals in the this report were produced for…

Facts and Fiction on Ultraviolet Protection by Clothing

International Nuclear Information System (INIS)

Osterwalder, U.; Schlenker, W.; Rohwer, H.; Martin, E.; Schuh, S.

2000-01-01

With the increase of skin cancer the fact that not all apparel is sufficiently protective against UV Radiation is becoming better know to the public. There is an emerging market for UV protective clothing. Its need is not commonly accepted. Understanding of the influencing factors is low. To the consumer it is not always clear what is fact and what is fiction. This paper answers six frequently asked questions. (1) The need for improving UV protection by clothing is demonstrated by UV transmittance measurements in public. (2) A pitfall in the generally recommended 'see through' assessment test is shown. (3) When a garment gets wet its UV protection is not necessarily poor. (4) The reduced UV protection of stretched knitwear can be accounted for. (5) A real life study confirms that UV protection is not washed out. (6) UV protection can be washed in with special additives to laundry products. (author)

Preliminary evaluation of the activity concentration limits for consumer goods containing NORM

Energy Technology Data Exchange (ETDEWEB)

Jang, Mee; Chung, Kun Ho; Ji, Young Yong; Lim, Jong Myung; Kang, Mun Ja; Choi, Guen Sik [Korea Atomic Energy Research Institute, Daejeon (Korea, Republic of)

2016-06-15

To protect the public from natural radioactive materials, the 'Act on safety control of radioactive rays around living environment' was established in Korea. There is an annual effective dose limit of 1 mSv for products, but the activity concentration limit for products is not established yet. To suggest the activity concentration limits for consumer goods containing NORM, in this research, we assumed the 'small room model' surrounding the ICRP reference phantom to simulate the consumer goods in contact with the human bodies. Using the Monte Carlo code MCNPX, we evaluate the effective dose rate for the ICRP reference phantom in a small room with dimension of phantom size and derived the activity concentration limit for consumer goods. The consumer goods have about 1600, 1200 and 19000 Bq·kg{sup -1} for {sup 226}Ra, {sup 232}Th and {sup 40}K, and the activity concentration limits are about six times comparing with the values of building materials. We applied the index to real samples, though we did not consider radioactivity of {sup 40}K, indexes of the some samples are more than 6. However, this index concept using small room model is very conservative, for the consumer goods over than index 6, it is necessary to reevaluate the absorbed dose considering real usage scenario and material characteristics. In this research, we derived activity concentration limits for consumer goods in contact with bodies and the results can be used as preliminary screening tool for consumer goods as index concept.

Preliminary evaluation of the activity concentration limits for consumer goods containing NORM

International Nuclear Information System (INIS)

Jang, Mee; Chung, Kun Ho; Ji, Young Yong; Lim, Jong Myung; Kang, Mun Ja; Choi, Guen Sik

2016-01-01

To protect the public from natural radioactive materials, the 'Act on safety control of radioactive rays around living environment' was established in Korea. There is an annual effective dose limit of 1 mSv for products, but the activity concentration limit for products is not established yet. To suggest the activity concentration limits for consumer goods containing NORM, in this research, we assumed the 'small room model' surrounding the ICRP reference phantom to simulate the consumer goods in contact with the human bodies. Using the Monte Carlo code MCNPX, we evaluate the effective dose rate for the ICRP reference phantom in a small room with dimension of phantom size and derived the activity concentration limit for consumer goods. The consumer goods have about 1600, 1200 and 19000 Bq·kg -1 for 226 Ra, 232 Th and 40 K, and the activity concentration limits are about six times comparing with the values of building materials. We applied the index to real samples, though we did not consider radioactivity of 40 K, indexes of the some samples are more than 6. However, this index concept using small room model is very conservative, for the consumer goods over than index 6, it is necessary to reevaluate the absorbed dose considering real usage scenario and material characteristics. In this research, we derived activity concentration limits for consumer goods in contact with bodies and the results can be used as preliminary screening tool for consumer goods as index concept

Factors influencing purchase intention towards consumer-to-consumer e-commerce

Directory of Open Access Journals (Sweden)

Muhammad Dachyar

2017-11-01

Full Text Available Purpose: This study explores factors that influence consumer’s purchase intention at three consumer-to-consumer (C2C e-commerce companies in Indonesia. Design/methodology/approach: 5 Expert opinions are used to determine the indicators of each factor and the Structural Equation Modelling (SEM method is used to analyze the empirical data of  400 respondents for each company. Findings: It is found different significant factors that influence customer’s purchase intention in each company. Trust and risk are found to be significantly effect purchase intention in Company A. Meanwhile, the other two companies, perceived usefulness proved to be significant in Company B and benefit significantly effect consumer purchase intention in Company C. Originality/value: This study represents purchase intention in the consumer-to-consumer e-commerce by investigating three case study using technology acceptance model as a guiding theory.

Intellectual property in consumer electronics, software and technology startups

CERN Document Server

Halt, Jr , Gerald B; Stiles, Amber R; Fesnak, Robert

2014-01-01

This book provides a comprehensive guide to procuring, utilizing and monetizing intellectual property rights, tailored for readers in the high-tech consumer electronics and software industries, as well as technology startups.  Numerous, real examples, case studies and scenarios are incorporated throughout the book to illustrate the topics discussed.  Readers will learn what to consider throughout the various creative phases of a product’s lifespan from initial research and development initiatives through post-production.  Readers will gain an understanding of the intellectual property protections afforded to U.S. corporations, methods to pro-actively reduce potential problems, and guidelines for future considerations to reduce legal spending, prevent IP theft, and allow for greater profitability from corporate innovation and inventiveness. • Offers a comprehensive guide to intellectual property for readers in high-tech consumer electronics, software and technology startups; • Uses real case studies...

Fragranced consumer products: Chemicals emitted, ingredients unlisted

International Nuclear Information System (INIS)

Steinemann, Anne C.; MacGregor, Ian C.; Gordon, Sydney M.; Gallagher, Lisa G.; Davis, Amy L.; Ribeiro, Daniel S.; Wallace, Lance A.

2011-01-01

Fragranced consumer products are pervasive in society. Relatively little is known about the composition of these products, due to lack of prior study, complexity of formulations, and limitations and protections on ingredient disclosure in the U.S. We investigated volatile organic compounds (VOCs) emitted from 25 common fragranced consumer products-laundry products, personal care products, cleaning supplies, and air fresheners-using headspace analysis with gas chromatography/mass spectrometry (GC/MS). Our analysis found 133 different VOCs emitted from the 25 products, with an average of 17 VOCs per product. Of these 133 VOCs, 24 are classified as toxic or hazardous under U.S. federal laws, and each product emitted at least one of these compounds. For 'green' products, emissions of these compounds were not significantly different from the other products. Of all VOCs identified across the products, only 1 was listed on any product label, and only 2 were listed on any material safety data sheet (MSDS). While virtually none of the chemicals identified were listed, this nonetheless accords with U.S. regulations, which do not require disclosure of all ingredients in a consumer product, or of any ingredients in a mixture called 'fragrance.' Because the analysis focused on compounds emitted and listed, rather than exposures and effects, it makes no claims regarding possible risks from product use. Results of this study contribute to understanding emissions from common products, and their links with labeling and legislation.

A Profile of Romanian Highly Educated Eco-Consumers Interested in Product Recycling A Statistical Approach

Directory of Open Access Journals (Sweden)

Simionescu Mihaela

2014-07-01

Full Text Available The objective of this research is to create a profile of the Romanian eco-consumer with university education. The profile is not limited to the information regarding environmental and economic benefits of recycling, but focuses on ecological behaviour. A detailed statistical analysis was made based on a large representative sample of respondents with secondary and university education. Indeed, the tendency of practical ecobehaviour becomes more pronounced for the people with university education. For people that are more than 30 years old the chance of being aware of the significance of the recycling symbols on the packages decreases, the lowest chance being given to people aged more than 50. The respondents that are interested in environment protection buy products with ecological symbols. However, those people who already know the meaning of these symbols do not buy this type of products for ecological reasons, even if they are interested in the environment protection. This research also offers an extensive description of its results, being an opportunity for the respondents to know more about the meaning of the recycling symbols. The results of this research also provide information being a guideline for consumers. This study achieves two main goals: the ecological component (the eco-consumers were identified and ordinary consumers were attracted through the ecological behaviour and the economic aspect (the resources allocation will be more efficient and the marketers will be able to address ecoconsumers who have specific characteristics.

76 FR 14014 - Public Roundtables: Protecting Consumers in the Sale and Leasing of Motor Vehicles

Science.gov (United States)

2011-03-15

... categories of motor vehicle dealers (i.e. ``franchise,'' ``independent,'' and/or ``buy here, pay here'' \\15... ``buy here, pay here'' dealers. The Dodd-Frank Act also authorizes the FTC to prescribe rules using APA... terms, of credit or leasing to consumers? If so, in what manner and under what terms? \\15\\ ``Buy here...

Journal of Consumer Sciences

African Journals Online (AJOL)

The Journal of Consumer Sciences is an official publication of the South African Association of Family Ecology and Consumer Sciences (SAAFECS). The Journal of Consumer Sciences (JCS) publishes articles that focus on consumer experiences in different places and from different perspectives and methodological ...

The EU Nickel Directive revisited--future steps towards better protection against nickel allergy

DEFF Research Database (Denmark)

Thyssen, Jacob P; Uter, Wolfgang; McFadden, John

2011-01-01

In July 2001, the EU Nickel Directive came into full force to protect European citizens against nickel allergy and dermatitis. Prior to this intervention, Northern European governments had already begun to regulate consumer nickel exposure. According to part 2 of the EU Nickel Directive and the D......In July 2001, the EU Nickel Directive came into full force to protect European citizens against nickel allergy and dermatitis. Prior to this intervention, Northern European governments had already begun to regulate consumer nickel exposure. According to part 2 of the EU Nickel Directive...... and the Danish nickel regulation, consumer items intended to be in direct and prolonged contact with the skin were not allowed to release more than 0.5 µg nickel/cm2/week. It was considered unlikely that nickel allergy would disappear altogether as a proportion of individuals reacted below the level defined...

The EU Nickel Directive revisited--future steps towards better protection against nickel allergy

DEFF Research Database (Denmark)

Thyssen, Jacob P; Uter, Wolfgang; McFadden, John

2011-01-01

In July 2001, the EU Nickel Directive came into full force to protect European citizens against nickel allergy and dermatitis. Prior to this intervention, Northern European governments had already begun to regulate consumer nickel exposure. According to part 2 of the EU Nickel Directive...... by the EU Nickel Directive. Despite this, the EU Nickel Directive part 2 was expected to work as an operational limit that would sufficiently protect European consumers against nickel allergy and dermatitis. This review presents the accumulation of epidemiological studies that evaluated the possible effect...... and the Danish nickel regulation, consumer items intended to be in direct and prolonged contact with the skin were not allowed to release more than 0.5 µg nickel/cm2/week. It was considered unlikely that nickel allergy would disappear altogether as a proportion of individuals reacted below the level defined...

Radiation protection, 1975. Annual EPA review of radiation protection activities

International Nuclear Information System (INIS)

1976-06-01

The EPA, under its Federal Guidance authorities, is responsible for advising the President on all matters pertaining to radiation and, through this mechanism, to provide guidance to other Federal agencies on radiation protection matters. Highlights are presented of significant radiation protection activities of all Federal agencies which were completed in 1975, or in which noteworthy progress was made during that period, and those events affecting members of the public. State or local activities are also presented where the effects of those events may be more far-reaching. At the Federal level significant strides have been made in reducing unnecessary radiation exposure through the efforts of the responsible agencies. These efforts have resulted in the promulgation of certain standards, criteria and guides. Improved control technologies in many areas make it feasible to reduce emissions at a reasonable cost to levels below current standards and guides. This report provides information on the significant activities leading to the establishment of the necessary controls for protection of public health and the environment. Radiation protection activities have been undertaken in other areas such as medical, occupational and consumer product radiation. In the context of radiation protection, ancillary activities are included in this report in order to present a comprehensive overview of the events that took place in 1975 that could have an effect on public health, either directly or indirectly. Reports of routine or continuing radiation protection operations may be found in publications of the sponsoring Federal agencies, as can more detailed information about activities reported in this document. A list of some of these reports is included

Consumer attitudes and olive oil acceptance: The potential consumer

Directory of Open Access Journals (Sweden)

McEwan, Jean A.

1994-04-01

Full Text Available       This paper outlines the results of consumer research to investigate consumer attitudes towards olive oil, and to evaluate selected experimental samples for acceptability.
      Consumer focus group discussions were used to investigate consumer attitudes to and awareness of olive oil, in relation to other culinary oils. A wide range of information was obtained, indicating the increasing importance of olive oil in the UK.
       Product use was examined to investigate the different types of olive oils consumers use, and the importance of different attributes for purchase. Price, quality and colour were the most important considerations for purchasing an olive oil, whilst package design, package material and brand were the least important.       Eight samples of virgin olive oil were evaluated for acceptability of appearance, odour, flavour and mouthfeel. These data indicated clear differences in acceptability between the samples, particularly on flavour, mouthfeel and overall acceptability. These data were then linked to sensory information to determine the characteristics of oil associated with liking for the product.

Consumer Fetish

DEFF Research Database (Denmark)

Arnould, Eric; Cayla, Julien

2015-01-01

in the organizational fetishization of consumers, that is, how in the process of understanding and managing markets, a quasimagical fascination with amalgams of consumer voices, images, and artefacts comes about. We offer several contributions. First, we demonstrate the pertinence of (primarily anthropological...

Manufacturer Responsiveness to Consumer Correspondence: An Empirical Investigation of Consumer Perceptions.

Science.gov (United States)

Smart, Denise T.; Martin, Charles L.

1992-01-01

Evaluation of manufacturers' responses to 300 consumer letters of praise or complaint as well as consumer's reactions to responses concluded that (1) businesses should tell consumers their input is appreciated; (2) sincere, personal responses are preferred; and (3) coupons, refunds, or similar gifts should be sent with letters. (SK)

AUSTRALIAN COMPETITION AND CONSUMER COMMISSION v ACN 117 372 915: SHOULD CONSUMER LAW REGULATE DOCTOR-PATIENT RELATIONS IN A CORPORATISED HEALTH CARE SYSTEM?

Science.gov (United States)

Wallace, Jessica; Pyman, Ella; Faunce, Thomas

2015-09-01

In April 2015, North J of the Federal Court of Australia made a finding of unconscionable conduct against Advanced Medical Institute, a promoter and provider of erectile dysfunction treatment, in a case concerning unfair contract terms (Australian Competition and Consumer Commission vACN 117 372 915 Pty Ltd (in liq) (formerly Advanced Medical Institute Pty Ltd) [2015] FCA 368). The contract required a minimum 12-month commitment, with costs exceeding treatments available from general practitioners, and made refunds available only after all possible treatment plans were exhausted which included penile injections. This column analyses that case, particularly in respect to the consumer law standards of practice under which it was litigated. Those standards refer to patients as "consumers" yet North J made extensive reference to the Good Medical Practice: A Code of Conduct for Doctors in Australia, a text which refers to "patients", as evidence of what constitutes appropriate professional conduct or practice for the health profession. This column considers whether legislative and judicial categorisation of patients (a class of people presumptively suffering, sick and vulnerable) as "consumers" undermines the formal and informal protections accorded to patients under normative systems of medical ethics such as those represented by the Code. The case, it is argued, also illuminates the contemporary tensions between the ethical, legal and human rights standards required of doctors in their treatment of patients and the commercial interests of businesses.

Commercial Speech Protection and Alcoholic Beverage Advertising.

Science.gov (United States)

Greer, Sue

An examination of the laws governing commercial speech protection and alcoholic beverage advertisements, this document details the legal precedents for and implications of banning such advertising. An introduction looks at the current amount of alcohol consumed in the United States and the recent campaigns to have alcoholic beverage ads banned.…

78 FR 54069 - Patient Protection and Affordable Care Act; Program Integrity: Exchange, SHOP, and Eligibility...

Science.gov (United States)

2013-08-30

... Qualified Health Plans; Exchange Standards for Employers, 77 FR 18310 (March 27, 2012). \\2\\ Patient..., including States, health insurance issuers, consumer groups, agents and brokers, provider groups, Members of....120(c) to Exchange consumer assistance entities, please see the recent final rule, Patient Protection...

Marketing Strategies Based on Consumer Preferences of Karnavas Mullberry Molasses with Protected Designation of Origin (PDO

Directory of Open Access Journals (Sweden)

Yavuz Topcu

2017-07-01

Full Text Available The aim of the study is to determine the integrated marketing tactic and strategies based on the main factors affecting the preferences and purchase patterns related to Karnavas Mullberry Molasses with PDO of the consumers dwelling in Erzurum. The main material of the study was provided by the primary data obtained from a survey conducted on 401 households residing in Erzurum during 2015, and consuming Karnavas Mullberry Molasses. Principal Component Analysis (PCA and Two-step Cluster Analysis were used to determine the main factors impacting on their purchase decisions, and then to segment homogenous clusters according to their purchase frequencies by taking into consideration the data, respectively. The results of the study indicated that the heavy and medium users who consume Karnavas Mullberry Molasses pointed out the necessity of the augmented and actual product image positioning at retail level under local individual brands considering the attributes of the holistic quality with PDO label and those of the sensory quality obtained from traditional production methods to contribute to rural development under the direct marketing approaches, respectively. On the other hand, the light users also focused on the increase of market penetration effect via promotion mix and the product positioning under the local branded actual product image implementing traditional production method and hedonic quality approaches. It could be applied the positioning and promotion strategies according to the consumers’ utility expectation and the product images, therefore, by considering their requirements and desires in each segment.

A Qualitative Study of Vulnerable Patient Views of Type 2 Diabetes Consumer Reports.

Science.gov (United States)

Longo, Daniel R; Crabtree, Benjamin F; Pellerano, Maria B; Howard, Jenna; Saver, Barry; Hannan, Edward L; Lee, Justin; Lundberg, Michael T; Sabo, Roy

2016-06-01

The Patient Protection and Affordable Care Act (ACA) mandates the release of publicly available consumer reports to highlight differences in quality of care and reduce healthcare disparities. However, little is known about patient perceptions of the value of such reports. This study aims to identify whether vulnerable populations with type 2 diabetes perceive consumer reports as helpful in making decisions about diabetes care. We conducted a brief demographic survey and qualitative study of 18 focus groups: six each of African American, Hispanic, and non-Hispanic White consumers diagnosed with type 2 diabetes (n = 92). We analysed focus group transcripts to identify recurring themes, which were summarized and compared across population groups. Participants expressed minimal interest in currently available consumer reports. They instead listed personal referrals and interpersonal interactions among the most important factors when choosing a physician. Further, in place of information to aid in physician selection, participants articulated strong desires for more basic, straightforward disease-specific information that would promote diabetes self-management. This study's results call into question the value of consumer reports as defined by the ACA. Participants reported little interest in comparative provider performance data. Instead, they were more interested in information to assist in diabetes self-management. This suggests that consumer reports may not be as important a tool to improve outcomes and reduce health disparities as policy makers imagine them to be.

LOW INCOME CONSUMERS AND ONLINE SHOPPING: APPREHENSIONS IN CONSUMING THROUGH THE INTERNET

Directory of Open Access Journals (Sweden)

Juan Pablo da Silva Dias

2015-08-01

Full Text Available The growth in access of low income consumers to the internet has taken them to use the net in search of entertainment, education and relationships. However, consuming online is still an activity surrounded by distrust. The present study aims to discuss the reasons why low income consumers have apprehension in consuming through the internet. For this, in depth interviews were conducted with 23 low income consumers. The collected data shows that the internet is still seen by the interviewees as being, mainly, for leisure and entertainment. Online shopping still is a task they fear, because of different motives. Initially, one can point the preference to consume in physical stores, since the consumers can touch the desired product, enjoy the trip to the store as a moment of pleasure and the possibility of interacting with salesmen, who help them in their choice. The apprehensions in buying online are also influenced by the perception that sites are not safe, because they offer threats, such as viruses or theft of personal information. Furthermore, interviewees believe that online stores are not compromised with their customers, since they permit problems to occur in the delivery of merchandise, are not clear about the shopping process, and create difficulties in payment method. Another reason for them not to buy online is the perception that if a negative consuming episode of online shopping happened to someone they know, it is also bound to happen with them. Despite this reasoning, these consumers point the importance of help from a third party in their reference group as main incentive for them to face the obstacles to consuming through the internet. In conclusion, it is possible to consider that low income consumers have apprehensions that are similar to their higher income peers, but, also, show different feelings, which are seldom discussed in the literature about online shopping.

Consumer behavior research

OpenAIRE

Hašková, Lucie

2010-01-01

The major part of this work is a consumer behavior research in process of buying christmas presents. The goal of this work is to describe a consumer behavior of Prague's customers in process of buying christmas presents, also describe a a consumer behavior of different age and social groups, as well as the difference between men and women.

Power system protection 2 systems and methods

CERN Document Server

1995-01-01

The worldwide growth in demand for electricity has forced the pace of developments in electrical power system design to meet consumer needs for reliable, secure and cheap supplies. Power system protection, as a technology essential to high quality supply, is widely recognised as a specialism of growing and often critical importance, in which power system needs and technological progress have combined to result in rapid developments in policy and practice in recent years. In the United Kingdom, the need for appropriate training in power system protection was recognised in the early 1960s with t

Power system protection 1 principles and components

CERN Document Server

Association, Electricity Training

1995-01-01

The worldwide growth in demand for electricity has forced the pace of developments in electrical power system design to meet consumer needs for reliable, secure and cheap supplies. Power system protection, as a technology essential to high quality supply, is widely recognised as a specialism of growing and often critical importance, in which power system needs and technological progress have combined to result in rapid developments in policy and practice in recent years. In the United Kingdom, the need for appropriate training in power system protection was recognised in the early 1960s with t

A risk assessment for consumers of mourning doves

International Nuclear Information System (INIS)

Burger, J.; Kennamer, R.A.; Brisbin, I.L. Jr.; Gochfeld, M.

1998-01-01

Recreational and subsistence hunters and anglers consume a wide range of species, including birds, mammals, fish and shellfish, some of which represent significant exposure pathways for environmental toxic agents. This study focuses on the Department of Energy's (DOE's) Savannah River Site (SRS), a former nuclear weapons production facility in South Carolina. The potential risk of contaminant intake from consuming mourning doves (Zenaida macroura), the most popular United States game bird, was examined under various risk scenarios. For all of these scenarios the authors used the mean tissue concentration of six metals (lead, mercury, cadmium, selenium, chromium, manganese) and radiocesium, in doves collected on and near SRS. They also estimated risk to a child consuming doves that had the maximum contaminant level. The authors used the cancer slope factor for radiocesium, the Environmental Protection Agencies Uptake/Biokinetic model for lead, and published reference doses for the other metals. As a result of their risk assessments they recommend management of water levels in contaminated reservoirs so that lake bed sediments are not exposed to use by gamebirds and other terrestrial wildlife. Particularly, measures should be taken to insure that the hunting public does not h ave access to such a site. Their data also indicate that doves on popular hunting areas are exposed to excess lead, suggesting that banning lead shot for doves, as has been done for waterfowl, is desirable

Consumer energy conservation options - professional and consumer perspectives

Energy Technology Data Exchange (ETDEWEB)

Ritchie, B.J.R.; Claxton, J.D.; McDougall, G.H.G.

1980-01-01

The objectives of this study were to: identify government policies for reducing Canadian consumption of home heating fuel, electricity, and gasoline; assess probable effectiveness of different policy alternatives as a means of reducing consumer energy consumption; and measure the acceptability to Canadian consumers of the different policy alternatives. Interviews were conducted with energy conservation professionals to identify and evaluate existing energy conservation programs, and interviews were conducted with consumers who had evaluated selected programs previously reviewed by the professionals. Information was also gathered on energy conservation activities of consumers surveyed. A directory of 34 energy conservation programs was also compiled. Some of the conclusions reached in this report are as follows. There is a need for an information system to gather data on existing conservation programs in order to increase the knowledge of relevant parties as to the outcomes of operating programs. This would help evaluation and improvement of current programs and suggest new program possibilities. The professionals rated six of the 34 programs highly, including the Energuide and the Canadian Home Insulation Program (CHIP). Retrofitting programs for houses are recommended for continuation and expansion, with some consideration given to linking these kinds of programs with home audit programs. In the private transport sector, any new conservation programs should be thoroughly tested on a small scale before widespread implementation, as evidence indicates that certain programs favorably evaluated by professionals may not be received favorably by consumers. 3 refs., 24 tabs.

The Protection of Consumer’s Rights and the Application of Criminal Law in the Unlawful Operation of Services and Content Service Application

Directory of Open Access Journals (Sweden)

Edmon Makarim

2012-05-01

Full Text Available Media reports on cases of the theft of pre-paid pulses taking place nowadays have created a misunderstanding in terms of the appropriate application of criminal law. In the context of existing legal provisions concerning consumer protection as set forth both under the Consumer Protection Law as well as in part under the Telecommunications Law, law enforcement agencies are leaning towards applying general criminal provisions (theft which, after a careful observation of the Indonesian Criminal Code, in fact do not extend to corporate criminal acts. This paper purports to explain that the currently occurring cases of the theft of pre-paid pulses should be adequately dealt with by imposing administrative sanctions by the governing and supervisory agencies, both under the Telecommunications Law as well as the Consumer Protection Law. It is proposed that it would be more effective to apply the Consumer Protection Law in such cases, as it contains provisions concerning the threat of alternative criminal punishment in the form of confinement or fines, along with additional sanctions in the form of an order to pay compensation for damages to consumers accompanied by the seizure and the halting of the application system in use by the Operator and/or CP concerned. It is proposed that in administering a proper telecommunications system to the public, the application of the Consumer Protection Law is likely to be less counterproductive as opposed to the application of general criminal provisions, considering that the latter are contradictory to the principles of legal certainty and partnership mandated under the Telecommunications Law itself.

Consumer Generated Advertising and Brand Trust in The Consumer Experience

OpenAIRE

Reeves, C

2010-01-01

Increasing media clutter now exposes consumers to thousands of commercial messages every day (Gritten, 2007). The advent of the internet and technology over the past twenty years now means consumer-generated media such as blogs, podcasts, and online social networking sites are a further source (Gritten, 2007). Building brand trust remains, now more than ever, crucial to corporate marketers, in a world where consumers are losing faith in traditional marketing strategies. Social media has give...

Sunburn protection as a function of sunscreen application thickness differs between high and low SPFs.

Science.gov (United States)

Liu, Wei; Wang, Xuemin; Lai, Wei; Yan, Tian; Wu, Yanyu; Wan, Miaojian; Yi, Jinling; Matsui, Mary S

2012-06-01

Sunscreens are an important component of healthy sun-protection behavior. To achieve satisfactory protection, sunscreens must be applied consistently, evenly and correctly. Consumers do not apply sunscreen properly and, therefore, do not achieve the protection indicated by the label 'sun protection factor' (SPF). The objective of the present study was to determine the actual sun(burn) protection given by a range of sunscreen application thickness levels for both low and high SPF formulas. Forty study subjects were recruited from each of three geographical regions in China. Sunscreens with label SPFs of 4, 15, 30, and 55 were tested at application levels of 0.5, 1.0, 1.5, and 2.0 mg/cm(2) in three laboratories using a standard SPF protocol. Sunscreens with lower SPFs (4 and 15) showed a linear dose-response relationship with application level, but higher SPF (30 and 55) product protection was exponentially related to application thickness. Sunscreen protection is not related in one uniform way to the amount of product applied to human skin. Consumers may achieve an even lower than expected sunburn protection from high SPF products than from low SPF sunscreens. © 2012 John Wiley & Sons A/S.

Price Intransparency, Consumer Decision Making and European Consumer Law

NARCIS (Netherlands)

W.H. van Boom (Willem)

2011-01-01

textabstractPrice comparison is a basic element of competition. For comparison to work, at least prices need to be transparent. Moreover, price is usually a focal point in consumer thinking and deciding on transactions. Hence, obfuscating prices can be detrimental to consumers. Therefore, it is

Consumer-to-Consumer Electronic Commerce: A Distinct Research Stream

OpenAIRE

Kiku Jones; Lori N.K. Leonard

2007-01-01

Consumer-to-consumer (C2C) e-commerce is a growing area of e-commerce. However, according to a meta-analysis of critical themes of e-commerce, C2C e-commerce was only represented in the area of online auctions (Wareham, Zheng, & Straub, 2005). C2C e-commerce can encompass much more than just auctions. The question then becomes, “is C2C e-commerce a different research area that deserves its own stream of research?†This study adapts constructs from a business-to-consumer (B2C) e-commerce st...

Assessment of consumer exposure related to improper use of pesticides in the region of southeastern Poland.

Science.gov (United States)

Szpyrka, Ewa

2015-01-01

Plant protection products are widely used throughout the world in order to prevent a reduction in yield. Although the protection of plants brings many benefits, pesticides are toxic to the environment and to humans. To protect human health, pesticide residue risk assessment should be carried out. The aim of the study was to assess acute risk related to the improper use of pesticides. In 2010-2013, 878 crop samples: 382 fruits, 399 vegetables, 82 cereals and their products, 11 herbs and 4 seeds were tested. Pesticide residues were found in 240 samples (27.3%). Pesticide residues were found most frequently in: fruits (41.6% fruit samples), seed (25.0%), vegetables (19.3%) and herbs (9.1%), and least frequently in cereals and their products (2.4%). Improper pesticide use was determined for 49 samples, mainly for vegetables (24 samples) and fruits (22). Most irregularities associated with the use of plant protection products involved application of a substance not recommended for a given crop (36 samples). In nine samples, applications of plant protection products that were withdrawn from the market were found, and in seven samples, violations of maximum residue levels were determined. Despite there being cases of improper use of plant protection products, no hazard to consumer health was determined. The highest values of short-term exposure were obtained in the case of consumption of blackcurrants with iprodione-a substance not recommended in Poland for protection of blackcurrants (4.3% acceptable daily intake (ADI), adults; 6.8% ADI, children). Since potential consumer risk caused by pesticide residues could not be ruled out, inspections should be carried out continuously.

The new frontiers for CCT: Considering consumer-producer interaction in consumer culture

NARCIS (Netherlands)

MSc Lotte Salome

2010-01-01

Previous investigations of consumer subcultures in the CCT tradition focused primarily on consumer behaviours, feelings, experiences and meanings of consumption. This paper advocates that in order to deeply understand and interpret a particular subculture, researchers in consumer culture should

Consumer perceptions

DEFF Research Database (Denmark)

Ngapo, T. M.; Dransfield, E.; Martin, J. F.

2004-01-01

Consumer focus groups in France, England, Sweden and Denmark were used to obtain insights into the decision-making involved in the choice of fresh pork and attitudes towards today's pig production systems. Many positive perceptions of pork meat were evoked. Negative images of the production systems...... that there was no link between the negative images of production methods and their purchase behaviour. The groups were clearly confused and mistrusted the limited information available at the point of purchase. Careful consideration should be given to meat labelling, in particular taking account of the evident consumer...... ethnocentrism, to assure that such information is targeted to enhance consumer confidence....

Consumer Behavior Research

Directory of Open Access Journals (Sweden)

Kaveh Peighambari

2016-04-01

Full Text Available This article analyzes 12 years of recent scholarly research on consumer behavior published in the five leading international journals in this field. Analyzing academic contributions to a specific area of research provides valuable insights into how it has evolved over a defined period. The approach was to briefly discuss content analysis and its application in scholarly literature review studies. The methodology used here involves the classification of topics to evaluate key trends in consumer behavior literature. It includes a ranking of topics published, typology of the published articles, the research classification in terms of methodologies, and analysis techniques. The most cited articles in the field and within each journal are also examined. The comprehensive literature review of consumer behavior research undertaken in this article could advance the discipline of consumer behavior research by elucidating the evolution of consumer behavior literature in the studied period.

Nuclear power plants near consumers from a safety-engineering point of view

International Nuclear Information System (INIS)

Kroeger, W.

1986-11-01

Special safety requirements must be met by a nuclear power station near the consumer. These requirements may not be formulated in a purely probabilistic way because of the methodological deficiencies identified. The existing protection concept is rather extended so as to include the requirement of engineered safeguards in order to limit the damage in case of a worst reactor accident. The suggested individual dose limit together with the calculation rules should ensure that the consequences of a worst accident are essentially limited to the plant and that no emergency protection measures and countermeasures need to be considered either in the short term or in the longer term to prevent health damage. The resulting features of a reactor near the consumer aim at better inherent safety characteristics, which is shown to be possible by reasonable technical means and which seems to have already been realized to a large extent in plants of small and perhaps also medium power already conceived. The way of thinking behind this suggestion is applicable to other sectors of industrial technology. Furthermore, it might serve as a basis in the discussion about general advanced safety criteria, which has been stimulated due to 'Chernobyl'. (orig./HP) [de

Teaching Consumers To Use the Internet To Make Consumer Decisions.

Science.gov (United States)

O'Neill, Barbara

1999-01-01

An adult-education course familiarized participants with online consumer resources. Beyond teaching the mechanics of Internet use, it showed how to use the Internet as a tool for consumer decision making. (SK)

True or False: Consumer Perception to Green Consumer Retail

Directory of Open Access Journals (Sweden)

Sergio Silva Braga Junior

2016-09-01

Full Text Available The aim of this study was to analyze the influence of greenwshing in consumer awareness for green consumption in retail. Under this approach was evaluated if the greenwashing confuses consumers about what is to be green consumption and if it relies on green consumption. For the verification of the objective proposed by this work, an exploratory survey was conducted quantitative, through a survey with a sample of 359 respondents of São Paulo/Brazil. As for the justification of the method used, the exploratory research, with a non-probabilistic convenience sampling and quantitative nature, are characterized by a field approach seeking situational characteristics presented by respondents to generate quantitative measures of the attributes observed by them. For data collection was used a specialized company and market research and thus were collected data from real consumers. As a result it was observed that the greenwashing confuses consumed and does not influence the confidence of the green product.

網路購物契約與消費者保護 Online Shopping Contract and Consumer Protection

Directory of Open Access Journals (Sweden)

劉姿汝 Tsu-Zu Liu

2010-06-01

Full Text Available 在網際網路發達的今日，透過網路購物已是一個很普遍的消費方式。網路購物可以不受時間、空間的設限，可謂十分便利，但卻產生與到實體店鋪購物方式所沒有的風險。本文將討論網路購物的特殊性，例如：1.交易相對人的不確定性。2.無法事前檢視交易標的。3.契約成立的時點。4.透過電子傳輸方式締結契約，或行使契約解除權，是否等同書面為之？5.意思表示有錯誤等瑕疵是否能撤銷？6.定型化契約型態對消費者權益的影響等等。另外，進一步則將探討以消費者保護法為主的現行法對於網路購物的規範，並佐以實務上案例，以瞭解相關規範對於上述的網路購物特性，對消費 者保護不足之處，並討論日本對於網路購物規範之現狀，以供比較與參考。最後試論可能改進之方案。 Today’s advancement in internet implies the change in consumer behavior. Shopping online has now become a common form for the purchase of goods. Though internet shopping is convenient with no restriction of time and space, it also possess hidden risks in comparison with the traditional way of shopping through solid shops. This article will discuss the uniqueness of online shopping such as under the circumstance of which face to face trade is not possible, the following factors should be considered: 1. The uncertainty of trade parties; 2. The condition of trade object cannot be examined prior to trade; 3. Unable to establish the time and place of the trade; 4. Are concluded/discharged contracts through method of electronic transmission equivalent to the actual written contracts? 5. If statement mistakes in statement and descriptions should occur, are cancellations possible? 6. The effects of form contract on consumer rights. Furthermore, current regulations on internet shopping with focus on Consumer Protection Act along with actual cases in practice will

Field Report - Consumer Survey

DEFF Research Database (Denmark)

Nielsen, Kristian S.; Gwozdz, Wencke

The present report outlines the purpose, scope, and methodology of a recently conducted four-country consumer survey that explored sustainable clothing consumption. The report also presents a sample of the descriptive findings from the survey (see Gwozdz, Nielsen & Müller, 2017 for further results...... foundation for upcoming deliverables relating to quality of life, acceptance of new business models, and consumer policy recommendations. The results presented in the report relate, specifically, to consumers’ general clothing consumption patterns, acceptance of new business models, and environmental...... purchasing outlets, and acceptance of new business models. Polish and American consumers purchased the most clothing items. Polish consumers also reported the lowest expenditures on clothing, whereas German consumers reported the highest expenditures. Only a limited proportion of consumers had previously...

Criteria relating to the approval of consumer goods containing radioactive substances: a consultative document

International Nuclear Information System (INIS)

1980-05-01

The National Radiological Protection Board currently provides manufacturers and suppliers of consumer goods containing radioactive substances with advice on the acceptability of their products. Examples of such goods available to the public include radioluminous devices such as clocks, watches and compasses, products containing gaseous tritium light sources, ionisation chamber smoke detectors and thorium gas mantles. In the present document, detailed proposals are put forward for criteria which the Board may use when considering applications for the approval of goods containing radioactive substances to ensure that they are safe. The proposals relate to the radiation doses to consumers and others who may be exposed as a consequence of their activities, and also consider the benefits to consumers. They are concerned with doses arising during normal use, through accidents and misuse, and as a consequence of uncontrolled disposal. (U.K.)

Consumer identification with store brands: Differences between consumers according to their brand loyalty

Directory of Open Access Journals (Sweden)

Natalia Rubio

2015-04-01

Full Text Available Retail management of store brands (SBs has focused on achieving positioning in value and creating associations of smart or expert shopping. The result is that value-conscious consumers and market mavens are the main targets of these brands. This study proposes and contrasts empirically a theoretical model of the effect of market mavenism and value consciousness on consumer identification with SBs. We also perform a multi-group analysis based on the consumer tendency to be loyal to the brands he or she buys. Consumers who are loyal to brands are very attractive segments for firms, due to the potential benefits these consumers represent in the long term, whereas consumers with little loyalty to brands can be an attractive segment for potential benefits in the short term. The results obtained in this study show differences between these two groups. For consumers who are loyal to brands, the results stress strong identification with the SB among the most value-conscious consumers, due fundamentally to their greater disagreement with the greater functional risk of these brands as compared to manufacturer brands and due to their greater conviction of the better price-quality ratio of SBs. In consumers with little brand loyalty, we find identification with the SB among the consumers with the greatest market mavenism, as a result of their greater perception of smart or expert shopping for these brands. Significant implications for management are derived from this study.

Consumer Buying Behavior

OpenAIRE

Irena Vida; Mojca Maher Pirc

2006-01-01

The study examines the phenomenon of national identity and economic ethnocentrism in consumer buying behavior. Analysis of data collected from a representative sample of adult Slovenian consumers reveals only moderately expressed ethnocentric tendencies. Similar moderation was revealed in the preferences of Slovenian consumers for patriotic purchasing behavior, whereby the domestic origin of products was more important in the case of nondurable goods and services than in the case of durable g...

THE INFLUENCE OF RISK AND PROTECTIVE FACTORS ON TOBACCO, ALCOHOL AND DRUGS IN ADOLESCENCE

Directory of Open Access Journals (Sweden)

Mafalda Ferreira

2013-07-01

Full Text Available The purpose of this study is to analyse the relation between risk and protective factor and substance use in adolescence, including tobacco use, drunkenness and consumption of illicit drugs. The sample included 3494 students, mean age 15 years old, in the 8th and 10th grades from the public school system, of primary and secondary schools in Portugal. Data collection was held within the HBSC (Health Behavior in School-aged Children survey from 2010. For the purpose of this specific study, the questionnaire includes questions about risk and protective behaviors and substance use, namely tobacco, drunkenness and illicit drug consumption. Results confirmed that adolescents with higher levels of protective factors seem to consume fewer substances and adolescents who present higher levels of risk factors are more likely to consume all the substances in the study. There were statistically significant differences for the majority of risk and protective behaviours regarding tobacco, drunkenness and illicit drugs. Although risk factors have a higher impact on substance use, the existence of protective factors seems to fade such impact.

BEHAVIOR ANALYSIS OF CONSUMER COMPLAINT

Directory of Open Access Journals (Sweden)

Andrie Prasetyo

2016-05-01

Full Text Available Complaining is one form of communication for consumers to express their dissatisfaction. Understanding the consumer complaint behavior is an important thing for businesses; however, it is not easy to do. The initial step in understanding this behavior of consumer complaints is to map consumers based on their behavior of complaints and analyze the factors that influence this. This study examines the complaint behavior of consumers in Cibubur who have experienced dissatisfaction with a product.  The objectives of this study are to map the consumer complaint behavior and identify its relationship with various factors such as consumer demographics, personality, attitude to businesses, attribution of the causes of dissatisfaction, and product attributes. A crosstab descriptive analysis method was used to map the consumers, while the Pearson correlation analysis methods was used to analyze consumer complaint behavioral relationships with various factors. The results of this study indicated that consumers in Cibubur based on their complaint behavior are classified into four groups: passive, voicers, irates and activist. The passive consumers dominate the category with a percentage of 49%.  The voicers, irates, and activist belong to the complaining type and are dominated by young women, with high levels of education and income. Keywords: consumer complaint behavior, product, crosstab, pearson correlation

Low Cost Silicon Coriolis' Gyroscope Paves the Way to Consumer IMU

Science.gov (United States)

Vigna, Benedetto; Pasolini, Fabio; de Nuccio, Roberto; Capovilla, Macro; Prandi, Luciano; Biganzoli, Fabio

During the last two years MEMS linear accelerometers have reinvented the way of playing a game, protecting your sensitive data on HDD, using your mobile devices smartly or making your washing machine less power hungry. Consumer and Industrial Markets have taken advantage from "The MEMS Consumerization Wave", driven by STMicroelectronics, which introduced a wide portfolio of two and three-axis motion sensors meeting customer requirements in terms of size, performances, quality and price.

Constructive Consumer Choice Processes.

OpenAIRE

Bettman, James R; Luce, Mary Frances; Payne, John W

1998-01-01

Consumer decision making has been a focal interest in consumer research, and consideration of current marketplace trends ( e.g., technological change, an information explosion) indicates that this topic will continue to be critically important. We argue that consumer choice is inherently constructive. Due to limited processing capacity, consumers often do not have well-defined existing preferences, but construct them using a variety of strategies contingent on task demands. After describing c...

The Role Of Social Media on consumer Behavior in Qatar

OpenAIRE

El-Sherif, Tarek

2016-01-01

Social media has evolved our lives in many ways, it has made the world seem like a smaller place. This is in particular applicable when doing business. In Qatar, there are many business retailers who are not necessarily physically existent that operate, sell and communicate through social media platforms. Because there is no legal protection and regulations on this market, confidence is definitely an issue. This research paper aims to identify how consumer behavior in Qatar has changed by usi...

Dataset of Atmospheric Environment Publication in 2016, Characterization of organophosphorus flame retardants’ sorption on building materials and consumer products

Data.gov (United States)

U.S. Environmental Protection Agency — The data presented in this data file is a product of a journal publication. The dataset contains OPFR sorption concentrations on building materials and consumer...

Risk and protective behaviours for residential carbon monoxide poisoning.

Science.gov (United States)

Rupert, Douglas J; Poehlman, Jon A; Damon, Scott A; Williams, Peyton N

2013-04-01

Unintentional, non-fire-related carbon monoxide (CO) poisoning is a leading cause of poisoning death and injury in the USA. Residential poisonings caused by faulty furnaces are the most common type of CO exposure. However, these poisonings are largely preventable with annual furnace inspections and CO alarm installation. This study aimed to identify the knowledge, attitudes and beliefs that might lead consumers to adopt these protective behaviours. In August 2009, four focus groups (n=29) were conducted with homeowners in Chicago, Illinois, USA, to identify the knowledge, attitudes and beliefs that lead consumers to adopt risk and protective behaviours. Discussions were transcribed and the findings were analysed using an ordered meta-matrix. Focus group participants were aware of CO poisoning and supported the idea of regular furnace inspections. However, few participants consistently scheduled professional inspections for fear of costly repairs and unscrupulous contractors. Participants often owned CO alarms, but many did not locate them properly, nor maintain them. Some participants confused CO and natural gas and were unsure how to react if a CO alarm sounds. Participants stated that incentives, such as discounts and inspector selection tips, would make them more likely to schedule furnace inspections. Participants also identified trustworthy sources for CO education, including realtors, fire departments, home insurance agents and local media outlets. Participants' residential CO risk behaviours are not random but driven by underlying knowledge, attitudes and beliefs. Correcting misperceptions, providing incentives and partnering with trustworthy sources might encourage greater consumer adoption of protective behaviours.

Sustainable consumer behaviour

OpenAIRE

Antonides, Gerrit

2017-01-01

We summarise the contributions in this special issue on sustainable consumer behaviour and place them in perspective. Several studies focus on macro- and meso-issues, and others on micro-issues of consumer behaviour. The studies employ a variety of methods, including surveys, field experiments, eye tracking, scale development, and contingent valuation. The 12 contributions from authors of 13 different countries show the wide and varied application of consumer research focused on sustainabilit...

Consumer Vehicle Choice Model Documentation

Energy Technology Data Exchange (ETDEWEB)

Liu, Changzheng [ORNL; Greene, David L [ORNL

2012-08-01

In response to the Fuel Economy and Greenhouse Gas (GHG) emissions standards, automobile manufacturers will need to adopt new technologies to improve the fuel economy of their vehicles and to reduce the overall GHG emissions of their fleets. The U.S. Environmental Protection Agency (EPA) has developed the Optimization Model for reducing GHGs from Automobiles (OMEGA) to estimate the costs and benefits of meeting GHG emission standards through different technology packages. However, the model does not simulate the impact that increased technology costs will have on vehicle sales or on consumer surplus. As the model documentation states, “While OMEGA incorporates functions which generally minimize the cost of meeting a specified carbon dioxide (CO2) target, it is not an economic simulation model which adjusts vehicle sales in response to the cost of the technology added to each vehicle.” Changes in the mix of vehicles sold, caused by the costs and benefits of added fuel economy technologies, could make it easier or more difficult for manufacturers to meet fuel economy and emissions standards, and impacts on consumer surplus could raise the costs or augment the benefits of the standards. Because the OMEGA model does not presently estimate such impacts, the EPA is investigating the feasibility of developing an adjunct to the OMEGA model to make such estimates. This project is an effort to develop and test a candidate model. The project statement of work spells out the key functional requirements for the new model.

Consumer loyalty in retailing

Directory of Open Access Journals (Sweden)

Drinić Dragana

2014-01-01

Full Text Available Loyal consumers are partner enterprises and they represent stable source of income. Companies are more interested in maintaining the existing consumers, rather than attracting the newones, because loyal consumers are the most valuable asset. The aim of this article is to develop an integrative conceptual framework for creating and maintaining consumer loyalty, and ,at the same time, to be based on a thorough review of the relevant literature and the current market situation . In this context, empirical research was carried out by using the survey method on a random sample of 165 respondents. Based on the research conducted, important factors that influence consumer loyalty were identified.

Health care knowledge and consumer learning: the case of direct-to-consumer drug advertising.

Science.gov (United States)

Delbaere, Marjorie; Smith, Malcolm C

2006-01-01

This research develops a framework for understanding how consumers process health-related information and interact with their caregivers. The context is direct-to-consumer (DTC) advertising by pharmaceutical companies in North America. This theoretical research presents a research framework and focuses on the presentation of information in advertisements, consumer-learning processes, consumer utilization of health care knowledge, and bias in perceived risk. The paper proposes that consumers who lack expertise with prescription drugs learn from DTC ads differently than those with expertise. Further, it is proposed that consumers also process the information in DTC ads differently depending on the perceived effectiveness of the drug being advertised, and ultimately utilize the knowledge taken from the ads in many different ways, some of which may appear irrational to health care providers. By understanding how consumers interpret and learn from DTC ads, health care organizations and providers may be able to improve health care delivery and consumer outcomes.

Sailing green : a protection motivation analysis of green consumption choices in China

OpenAIRE

Hellen, Sondre; Falkner, Gregor

2017-01-01

Masteroppgave(MSc) in Master of Science in Strategic Marketing Management - Handelshøyskolen BI, 2017 Many Chinese consumers experience environmental problems like air and water pollution first-hand - does that lead them to making greener consumption choices? We aim to show the suitability of Protection Motivation Theory for such environmental research and to increase the understanding of how Chinese consumers perceive green product attributes. In particular, this research exam...

Consumer behaviour survey for assessing exposure from consumer products: a feasibility study.

Science.gov (United States)

Schneider, Klaus; Recke, Selina; Kaiser, Eva; Götte, Sebastian; Berkefeld, Henrike; Lässig, Juliane; Rüdiger, Thomas; Lindtner, Oliver; Oltmanns, Jan

2018-05-23

Evaluating chemical exposures from consumer products is an essential part of chemical safety assessments under REACH and may also be important to demonstrate compliance with consumer product legislation. Modelling of consumer exposure needs input information on the substance (e.g. vapour pressure), the product(s) containing the substance (e.g. concentration) and on consumer behaviour (e.g. use frequency and amount of product used). This feasibility study in Germany investigated methods for conducting a consumer survey in order to identify and retrieve information on frequency, duration, use amounts and use conditions for six example product types (four mixtures, two articles): hand dishwashing liquid, cockpit spray, fillers, paints and lacquers, shoes made of rubber or plastic, and ball-pens/pencils. Retrospective questionnaire methods (Consumer Product Questionnaire (CPQ), and Recall-Foresight Questionnaire (RFQ)) as well as protocol methods (written reporting by participants and video documentation) were used. A combination of retrospective questionnaire and written protocol methods was identified to provide valid information in a resource-efficient way. Relevant information, which can readily be used in exposure modelling, was obtained for all parameters and product types investigated. Based on the observations in this feasibility study, recommendations are given for designing a large consumer survey.

Consumer choice behaviour

DEFF Research Database (Denmark)

Hansen, Flemming; Percy, Larry; Hallum Hansen, Morten

2004-01-01

The paper is concerned with the measurement of emotions and the study of the role ofemotions in consumer choice. Contemporary neurological findings suggest that emotionsmay play a role in its own right, quite different from the way in which they have beenconsidered in traditional consumer choice ...... behaviour theory. A large-scale study including800 respondents, covering 64 brands, provide findings on emotional response tendenciesfor the brands, and relate these to involvement, type of need gratification, purchasingbehaviour, etc.......The paper is concerned with the measurement of emotions and the study of the role ofemotions in consumer choice. Contemporary neurological findings suggest that emotionsmay play a role in its own right, quite different from the way in which they have beenconsidered in traditional consumer choice...

Engaging Consumer Voices in Health Care Policy: Lessons for Social Work Practice.

Science.gov (United States)

Law, Kristi Lohmeier; Saunders, A

2016-02-01

Community health centers provide comprehensive public health care in some of the most disadvantaged communities in the United States. To ensure that health centers meet the needs of their consumers, they uniquely engage them in their organizational decision-making and policy-development processes by requiring that their boards of directors encompass a 51 percent consumer majority. To understand the quality of board members' experiences, a critical ethnography was conducted using Arnstein's ladder of citizen participation and the socioecological model as a framework. The analysis identified multiple influences on the quality of participation among consumer members. Findings also confirm other research that has found that knowledge of the economic, political, and cultural factors surrounding the context of the individual health center is important to understanding meaningful participation. The experience is important to understand given the shift driven by the Patient Protection and Affordable Care Act of 2010 in health care, which emphasizes a patient-entered model of care. Social work practitioners and others in the public health arena interested in empowering consumers to have a role in the provision of services need to understand the impact of each of these areas'and the experience of this unique sample of health center board members.

Children as consumers: advertising and marketing.

Science.gov (United States)

Calvert, Sandra L

2008-01-01

Marketing and advertising support the U.S. economy by promoting the sale of goods and services to consumers, both adults and children. Sandra Calvert addresses product marketing to children and shows that although marketers have targeted children for decades, two recent trends have increased their interest in child consumers. First, both the discretionary income of children and their power to influence parent purchases have increased over time. Second, as the enormous increase in the number of available television channels has led to smaller audiences for each channel, digital interactive technologies have simultaneously opened new routes to narrow cast to children, thereby creating a growing media space just for children and children's products. Calvert explains that paid advertising to children primarily involves television spots that feature toys and food products, most of which are high in fat and sugar and low in nutritional value. Newer marketing approaches have led to online advertising and to so-called stealth marketing techniques, such as embedding products in the program content in films, online, and in video games. All these marketing strategies, says Calvert, make children younger than eight especially vulnerable because they lack the cognitive skills to understand the persuasive intent of television and online advertisements. The new stealth techniques can also undermine the consumer defenses even of older children and adolescents. Calvert explains that government regulations implemented by the Federal Communications Commission and the Federal Trade Commission provide some protection for children from advertising and marketing practices. Regulators exert more control over content on scarce television airwaves that belong to the public than over content on the more open online spaces. Overall, Calvert concludes, children live and grow up in a highly sophisticated marketing environment that influences their preferences and behaviors.

Informing Consumers About Themselves

NARCIS (Netherlands)

O. Bar-Gill (Oren)

2010-01-01

textabstractConsumers make mistakes. Imperfect information and imperfect rationality lead to misperception of benefits and costs associated with a product. As a result, consumers might fail to maximise their preferences in product choice or product use. A proposed taxonomy of consumer mistakes draws

Shyness in consumer behavior

OpenAIRE

Kusterer, Sandra

2017-01-01

Shyness is widespread among the population and affects a large group of consumers. Companies, however, have barely knowledge about this kind of consumers and their behavior. Particularly in the field of complaint management the barriers which prevent consumers of voicing a complaint are largely unknown and quite often companies are not aware of the dissatisfaction among their customers. Thus, this paper aims to analyze the impact of shyness on consumer complaint behavior. A survey-based appro...

Consumer Directed Health Care

OpenAIRE

John Goodman

2006-01-01

Consumer driven health care (CDHC) is a potential solution to two perplexing problems: (1) How to choose between health care and other uses of money, and (2) how to allocate resources in an industry where normal market forces have been systemically suppressed. In the consumer-driven model, consumers occupy the primary decision-making role regarding the health care that they receive. From an employee benefits perspective, consumer driven health care in the broadest sense may refer to limited e...

How Supportive Are Romanian Consumers of the Circular Economy Concept: A Survey

Directory of Open Access Journals (Sweden)

Elena Simina Lakatos

2016-08-01

Full Text Available The aim of this paper is to investigate consumer behavior regarding the environment and the adoption of new patterns of behavior and responsible consumption in the promotion of a Circular Economy (CE in Romania. With this goal in mind, a questionnaire survey was performed on-line on a nationwide scale to explore consumers’ behaviors and attitudes, which was distributed in all four of Romania’s macro-regions and interviewing 642 respondents. The results indicate that the consumers have a positive attitude towards the importance of the environmental protection, in general and it also measures the frequency of adopting eco-friendly behaviors by the consumers, showing that the consumption behavior is not very consistent with the general attitude regarding environment. As a parallel, consumers are aware of the importance of CE business models, in general, both for the economy and for the environment, but the adoption of consumption patterns specific to CE business models, necessary for the development and the success of the CE business models, has a low probability in the absence of direct or indirect incentives and benefits fostering the adoption of these consumption patterns. In conclusion, the development of CE business models in Romania requires a national strategy, which includes means to sustain the adoption of necessary new consumption behaviors, besides awareness raising and educational campaigns for explaining to consumers the liaison and the impact of their behavior to the environment and to the economy.

Consumption and the Consumer

Directory of Open Access Journals (Sweden)

Maria VADUVA

2016-09-01

Full Text Available The consumer is that trader responsible for consumption act of some final goods or services who decided what must be produce and in what cantity, being the one who make the economic mechanism to move. Consumption is in close connection with the production of goods and services, exerting an active role, any activity should be complete by consuming its results; consumption creates the motivation to achieve economic and non-economic activities. The traditional approach to consumer behavior starts from hypothesised that all consumers seek to maximize the aggregate utility obtained of satisfactions resulting from consumption of goods taking into account the budgetary constraints given by income that consumer has and the prices of these goods. In the conditions of modern economy, consumption can be increased by diseconomies. If consumption depends on permanent income, revenue growth effectively does not exert influence on consumption only to the extent that this increase of income leads to increasing permanent income consumer. Consumption is viewed as an active agent of economic life, it is not only a consumer of goods and services but also a producer.

Advancing Our Understanding of Cross-Cultural Issues in Consumer Science and Consumer Psychology

NARCIS (Netherlands)

van Herk, H.; Torelli, Carlos J.; van Herk, Hester; Torelli, Carlos J.

2017-01-01

Globalization has resulted in a more complex marketplace. Growing multi-culturalism of consumer markets and increased global competition are pushing marketing scholars to better understand cross-cultural issues in consumer science and consumer psychology. The chapters in this book cover the field to

[MATCHE: Management Approach to Teaching Consumer and Homemaking Education.] Consumer Approach Strand: Core. Module I-A-3: Consumer Rights and Responsibilities.

Science.gov (United States)

Smith, Sharman

This competency-based preservice home economics teacher education module on consumer rights and responsibilities is the third in a set of four core curriculum modules on consumer approach to homemaking education. (This set is part of a larger series of sixty-seven on the Management Approach to Teaching Consumer and Homemaking Education…

Behavioural Economics, Consumer Behaviour, and Consumer Policy

DEFF Research Database (Denmark)

Reisch, Lucia A.; Zhao, Min

2017-01-01

. In particular, we discuss the impacts of key principles such as status quo bias, the endowment effect, mental accounting and the sunkcost effect, other heuristics and biases related to availability, salience, the anchoring effect and simplicity rules, as well as the effects of other supposedly irrelevant...... factors such as music, temperature and physical markers on consumers’ decisions. These principles not only add significantly to research on consumer behaviour – they also offer readily available practical implications for consumer policy to nudge behaviour in beneficial directions in consumption domains...... including financial decision making, product choice, healthy eating and sustainable consumption....

Strengthening the regulatory control of consumer goods through international harmonization

International Nuclear Information System (INIS)

Yus Rusdian Akhmad

2013-01-01

The International Atomic Energy Agency (IAEA) is currently working on a recommendation in the form of guidelines for regulating consumer goods. Preparation of this document has a significant dimension of international issues, especially in terms of the application of the principles of justification and application of the concept of exemption. International harmonization among regulators ranging from the regional to the global level is a central issue and considering the complex issues that arise in addition to covering the scientific aspects also involve consideration of the legal aspects or values espoused by any State which may differ from one another. PERKA BAPETEN on consumer goods is still in the preparation stage so that the discussion of the material will be useful for improving the quality of the regulation in time. There is a significant gap of understanding to the related materials by the parties concerned (between local and international parties were among the local party). This paper intends to propose the understanding and views on radiation protection and regulatory control for consumer goods and hopely could contributed significantly to strengthening its regulatory control which is primarily through a reduction in the gap of understanding to the related concept that potentially multi perceptions and encourage stronger cooperation among regulatory bodies. (author)

Firearm advertising: product depiction in consumer gun magazines.

Science.gov (United States)

Saylor, Elizabeth A; Vittes, Katherine A; Sorenson, Susan B

2004-10-01

In contrast to tobacco, alcohol, and other consumer products associated with health risks, we know very little about how firearm manufacturers advertise their products. The authors examined advertisements for firearms in all 27 ad-accepting magazines listed in Bacon's Magazine Directory "guns and shooting" category. Sixty-three manufacturers spent an estimated $1,195,680 on firearm advertising during the month studied. Annual advertising costs ranged widely; manufacturers spent an estimated $28.16 in advertising per firearm produced. Firearms generally were presented as a part of a lifestyle. Self-protection was noted infrequently in the advertisements. By contrast, attributes of the gun, typically technological characteristics, were noted in almost every advertisement.

Consumer choice : Linking consumer intentions to actual purchase of GM labeled food products

NARCIS (Netherlands)

Sleenhoff, S.; Osseweijer, P.

2013-01-01

With a mandatory labeling scheme for GM food in Europe since 2004 measuring actual consumer choice in practice has become possible. Anticipating Europeans negative attitude toward GM food, the labeling was enforced to allow consumers to make an informed choice. We studied consumers actual purchase

The Power Asymmetry and Non-Competitive Behaviour of Firms at Consumer Markets

Directory of Open Access Journals (Sweden)

Ulyana Vladimirovna Karagezyan

2016-03-01

Full Text Available The specific features of formation of the market economy in Russia caused not only development of the competitive environment, but also fixing of the model of noncompetitive behavior of enterprises. In a contradiction of the economic theory in which one of necessary conditions of “survival” of the companies is improvement of quality of goods, in the real economy consumers often face acquisition of low-quality goods. This article is devoted to an urgent problem of studying the model of noncompetitive behavior of firms in Russia. The purpose of this study is the explanation of the reasons of noncompetitive behavior of the enterprises in the Russian markets. On the basis of data of Federal service on supervision in the sphere of consumer protection, the dominating violations, as well as the markets most subjected to noncompetitive behavior of firms were revealed. Key characteristics of noncompetitive behavior are decline in the quality of production, violation of the consumer rights, using illegal tactics. As a result of this analysis we have made the following conclusions: violations of the rights of the consumer are expressed in realization of low-quality and unsafe products, refusal of providing necessary information on terms of transaction, imposing of additional services. The reasons of noncompetitive behavior of the companies include prevailing of the sovereignty of the producer over the consumer’s sovereignty; accumulation of the power of firms in a services sector and retail trade, a manipulative information and existence of information asymmetry between consumers and the companies. Overcoming the noncompetitive behavior of firm will become possible when power and information asymmetry decreases at the consumer markets.

THE GOOD HOUSEKEEPING SEAL OF APPROVAL: FROM INNOVATIVE CONSUMER PROTECTION TO POPULAR BADGE OF QUALITY

OpenAIRE

Lauren Strach; Malcolm Russell

2003-01-01

By providing information through factual content, editorial comments, and advertising, the great magazine expansion of the late 19th century reduced market imperfections for many consumer goods. Given the virtual absence of government and non-profit sources of information, some magazines even took the initiative to prohibit misleading advertising. However, in the early 20th century Good Housekeeping surpassed normal practices and created both a guaranty for advertised products and a Seal of A...

Radurization : the consumer perspective

International Nuclear Information System (INIS)

Foster, J.W.

1989-01-01

A three part study in which a number of consumer groups were involved was conducted. The study examined the views of South African consumers concerning radurization. The results of the study are discussed and recommendations are made with regard to possible greater consumer acceptance of radurization in South Africa. 2 figs

A FRESH APPROACH TO UNFAIR TERMS IN COMMERCIAL CONTRACTS: ARE THE LATEST LAW AMENDMENTS BENEFICIAL TO CONSUMERS?

Directory of Open Access Journals (Sweden)

Paul COMȘA

2014-05-01

Full Text Available Mostly in consumer contracts, the economic and juridical imbalances between trade participants give the party of superior negotiating strength a considerable advantage by defining terms in advance. Consequently, an unfair business-to-consumer practice emerged in which sellers and suppliers impose a series of non-negotiable terms to the detriment of the consumer. Romanian regulations tried to efficiently tackle this problem being driven by the new European legislative trends. Law no.193/2000, which is the main regulation in this field, has been amended twice in the last two years and a series of new provisions on unfair contractual terms were introduced by Law no. 72/2013 and the new Romanian Civil Code. The main objective of the Romanian legislator was to reduce the massive number of lawsuits regarding unfair terms in consumer contracts and to provide a more effective protection for consumers. However, the new provisions also made changes which favour banks, insurance companies and other businesses that often insert predetermined terms in contracts.

Transforming Consumers Into Brands