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

  • Group comments to the FCC re: ​preserving the Telecommunications Consumer Protection Act (TCPA) protections for cell phones, Nov. 17, 2014.
  • Comments to the Federal Trade Commission regarding the Telemarketing Sales Rule Regulatory Review, Nov. 13, 2014
  • Comments of NCLC on behalf of its low income clients and multiple other groups to the federal banking agencies on federal regulations against unfair and deceptive practices, Oct. 27, 2014
  • 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


Other Resources