Unfair & Deceptive Acts & Practices

Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers. In billions of transactions annually, UDAP statutes provide the main protection to consumers against predators and unscrupulous businesses. Yet, despite their importance, UDAP statutes vary greatly in their strength from state to state.

Reports & Press Releases

Statement: FTC Affirms Consumer Rights Under the Holder Rule, May 11, 2012

Press Release
: Consumer Protection in the States: A 50-State Report on Unfair and Deceptive Acts and Practices Statutes, February 2009

State-by-State Analysis of State UDAP Statutes

Policy Analysis

NCLC Comments to the Consumer Financial Protection Bureau re: Senior Financial Exploitation, Aug. 20, 2012

Consumer Groups' Letter to Senate Opposing S. 881 (Landrieu) ‐‐ Unfair To Rent‐to‐Own Consumers, August 2011

Consumer Groups' Letter to the House Opposing HR 1588 (Canseco) ‐‐ Unfair To Rent‐to‐Own Consumers, August 2011

Protecting and Improving the Best Thing The FTC Has Ever Done: The Holder Rule

Comments of the NCLC and NACA Regarding Advance Notice of Proposed Rulemaking Relating to Unfair or Deceptive Acts or Practices, November 2007


Amicus Brief (joint): Grimes v. Enterprise Leasing, May 23, 2014

Amicus Brief (joint): Raysoni v Payless Auot Deals, LLC to the Georgia Supreme Court, May 19, 2014

Other Resources

Learn to Recognize Online Consumer Debt Relief Scams (click on Apply Now!)

U.S. Federal Trade Commission Dealing with Debt Relief Services