State Specific Consumer Forms

Consumers are defined as individuals who purchase, use, maintain, and dispose of products and services. Consumers are users of the final product. Consumer is a member of that broad class of people who are affected by pricing policies, financing practices, quality of goods and services, credit reporting, debt collection, and other trade practices for which the state and federal consumer protection laws are enacted.

Federal and state statutory laws govern consumer protection issues, such as credit transactions, inferior, adulterated, hazardous or deceptively advertised products, and deceptive or fraudulent sales practices. Federal statutes and regulations govern mail fraud, wholesome poultry and meat, misbranding and adulteration of food and cosmetics, truth in lending, false advertising, the soundness of banks, securities sales, standards of housing materials, flammable fabrics, and various business practices.