Final

True or false: individuals from Generation Z access most of their video entertainment via traditional TV. True false question. True False

False

From a consumer perspective, what is the primary problem related to product recalls? Multiple choice question. The manufacturer may provide the wrong solution. The public may not actually be aware of the recall. People simply don't have time to address the recall. The news media often confuses the public about recalls.

The public may not actually be aware of the recall.

Alternative dispute resolution, settling disagreement between companies and consumers outside the courts, can take the form of ______. Multiple select question. mediation jury trials arbitration class action lawsuits

mediation arbitration

A U.S. company that has not yet rejected the use of GMO products is ______. Multiple choice question. Whole Foods Chipotle Mexican Grille Ben and Jerry's Homemade Campbell Soup

Campbell Soup

The law requiring that toys and infant products be tested before sale is called the: Multiple Choice Child Safety Act. Strong Product Safety Bill. Consumer Product Safety Improvement Act. Uniform Safety Testing Bill.

Consumer Product Safety Improvement Act.

The mission of the Food and Drug Administration (FDA) is to ensure the safety and effectiveness of which consumer products? (Check all that apply.) Multiple select question. Frozen foods only Cosmetics Pharmaceutical drugs Medical devices

Cosmetics Pharmaceutical drugs Medical devices

The act that requires lenders to inform borrowers of the annual rate of interest to be charged, plus related fees and services charges is called: Multiple Choice The Consumer Protection Act. The Product Safety Act. The Predatory Mortgage Act. The Truth in Lending Act.

The Truth in Lending Act.

Which part of the Department of Justice protects the public from being charged excess fees based on one's race? Multiple Choice Consumer Product Safety Commission. Civil Rights Division. Consumer Financial Protection Bureau. Federal Trade Commission.

Civil Rights Division.

The right to be forgotten, which protects individual information during Google searches, was implemented in which part of the world? Multiple choice question. European Union United States Russia Japan

European Union

Which two U.S. government agencies sued Volkswagen over its false claims? Multiple Choice Consumer Financial Protection Bureau and Environmental Protection Agency National Transportation Safety Board and Department of Justice Federal Trade Commission and Department of Justice Correct National Highway Traffic Safety Commission and Federal Trade Commission

Federal Trade Commission and Department of Justice

In the legal case of Elonis v. United States, what was Elonis' defending argument? Multiple choice question. He was venting frustration. He was making a threat. He had lost his job. He was writing a song.

He was venting frustration.

The consumer movement is most accurately described by which statements? (Check all that apply.) Multiple select question. Organized groups of consumers safeguarding their own rights The term "caveat emptor" which translates to "let the buyer beware" Consumer collectives that speak for the interests of millions of shoppers The term consumerism as a synonym for the consumer movement

Organized groups of consumers safeguarding their own rights Consumer collectives that speak for the interests of millions of shoppers The term consumerism as a synonym for the consumer movement

Which major consumer right was violated according to the discussion case Volkswagen's "Clean Diesel" Campaign? Multiple Choice Right to choose. Right to privacy. Right to be heard. Right to be informed.

Right to privacy.

Biotechnology is most prevalent in which industries? (Check all that apply.) Multiple select question. Construction Agriculture Food science Medicine

Agriculture Food science Medicine

Another name for unsolicited commercial emails is: Multiple Choice Spam. Junk email. UCE. All of these answers are correct.

All of these answers are correct.

According to a United Nations report, by 2017, about what percent of people on the planet still did NOT have Internet access? Multiple choice question. About one third Just over half Around two thirds Less than ten percent

Just over half

How do businesses and industries protect consumers from harmful products, as shown in Figure 14.1? (Check all that apply.) Multiple select question. Consumer lawsuits Voluntary codes Quality programs Product recalls

Voluntary codes Quality programs Product recalls

Invasion of privacy through technology is best exemplified by: Multiple Choice The neighbor video recording his dog in his own yard. Your car's GPS tracking you at every location. A friend taking photos of the ocean with her smartphone. Your mom's home assistant reminding her to pay the power bill.

Your car's GPS tracking you at every location.

The most dominant feature of technology is described as ______. Multiple choice question. widespread effects beyond human tolerance self-reinforcement change and then more change

change and then more change

A man who returns a toaster that shoots sparks when plugged in is exercising the consumer protection right to ______. Multiple choice question. safety be heard choose to be informed

safety

By 2017 the percentage of Americans with a social profile was about ______. Multiple choice question. 40 percent 25 percent 75 percent 80 percent

80 percent

Describe the information phase of technology development. (Check all that apply.) Multiple select question. Information stored in cyberspace The use of manual skills Network of linked electronic systems The use of knowledge skills

Information stored in cyberspace Network of linked electronic systems The use of knowledge skills

Deceptive advertising is best defined by which statements? (Check all that apply.) Multiple select question. The setting of unreasonable expectations about a product False or misleading claims about a product Legal in almost all parts of the world The omission of relevant information

The setting of unreasonable expectations about a product False or misleading claims about a product The omission of relevant information

In the late 2000s, which region of the world issued bans against the growing of GM crops? Multiple choice question. United States Europe Australia China

Europe

Identify the legal mechanism that hundreds of Volkswagen owners used to gain restitution for the company's deception, in the case Volkswagen's "Clean Diesel" Campaign. Multiple choice question. class action lawsuit product boycott mediation arbitration

class action lawsuit

Deceptive advertising is best illustrated by which examples? (Check all that apply.) Multiple select question. Detailed nutritional information listed on snack foods A product with a label warning that misuse can result in injury or death A company falsely claiming that their medication prevents criminal behavior An unsubstantiated "organic" label on personal care products

A company falsely claiming that their medication prevents criminal behavior An unsubstantiated "organic" label on personal care products

Quality management business processes voluntarily address customers' interests in what positive ways? (Check all that apply.) Multiple select question. Assuring defect-free products Identifying customers' needs Monitoring customer satisfaction Reducing the need for ongoing improvement

Assuring defect-free products Identifying customers' needs Monitoring customer satisfaction

One type of digital currency that operates outside the banking system using encryption technology is called _____. Multiple choice question. Social capital Bitcoin Foreign currency Mastercard

Bitcoin

One type of digital currency that operates outside the banking system using encrypted technology is: Multiple Choice Mastercard. Blockchain. Cryptocoin. Bitcoin.

Bitcoin.

An identifying marker placed on a user's computer hard drive used to build profiles of their behavior over time is called a: Multiple Choice Web beacon. Deep packet. Cookie. Firewall.

Cookie.

The Supreme Court overturned Elonis' conviction using which argument? Multiple choice question. Criminal intent cannot be based solely on social media posts. Elonis was simply expressing his thoughts to a crowd. Criminal intent cannot be based solely on direct threats by individuals. Elonis clearly indicated intent to harm his wife.

Criminal intent cannot be based solely on social media posts.

Groups that track, collect and combine private consumer data from various sources into individual profiles that are sold to retailers and advertisers are called ______. Multiple choice question. Data aggregators Internet marketers Flash cookie collectors Deep packet inspectors

Data aggregators

An argument in support of preventing government access to private cell phones, according to the case To lock or Unlock Your Phone: Personal Privacy or National Security, is: Multiple Choice Individuals have rights to privacy and safety. Public safety is more important than personal data. The government has every right to search or confiscate your phone under any circumstances. Individuals should not store private information on their phones.

Individuals have rights to privacy and safety.

As the presence of the Internet increases world-wide, more and more people are using which devices regularly? Multiple select question. Handheld calculators Mobile telephones Landline telephones Laptop computers

Mobile telephones Laptop computers

The consumer affairs officer is typically in charge of which responsibilities? (Check all that apply.) Multiple select question. Monitoring customer social media posts Oversight of a self-service website Management of a customer call center Analyzing corporate investments

Monitoring customer social media posts Oversight of a self-service website Management of a customer call center

The Food and Drug Administration (FDA) performs which regulatory functions? (Check all that apply.) Multiple select question. Pulls existing dangerous dietary supplements off the shelf Ensures the safety of new pharmaceutical drugs prior to release Prevents the introduction of dangerous dietary supplements Ensures the safety of new food products prior to release

Pulls existing dangerous dietary supplements off the shelf Ensures the safety of new pharmaceutical drugs prior to release Ensures the safety of new food products prior to release

Which major consumer right was violated according to the discussion case Volkswagen's "Clean Diesel" Campaign?? Multiple choice question. Right to privacy Right to choose Right to be informed Right to be heard

Right to be informed

After Volkswagen admitted fraud, how did the courts protect customers affected by the scandal? Multiple Choice The company paid $15 million of restitution to each owner or lease holder. The company replaced each diesel car with a gasoline-powered car. The company gave a lifetime warranty for the vehicle to every affected customer. The company bought back or repaired each affected vehicle.

The company bought back or repaired each affected vehicle.

Which action by Volkswagen violated consumer protection laws, according to the case Volkswagen's "Clean Diesel" Campaign? Multiple choice question. The company fraudulently advertised its diesel vehicles as environmentally friendly. Volkswagen charged too much for its diesel vehicles, relative to gasoline models. They sold diesel vehicles that emitted pollution well above regulatory limits. They refused to buy back the tainted vehicles from consumers.

The company fraudulently advertised its diesel vehicles as environmentally friendly.

True or false: Technology is either directly or indirectly involved with most changes in society. True false question. True False

True

True or false: The consumer affairs officer of today uses large amounts of customer data to predict what an individual might wish for and then prescribe the best way to meet those needs. True false question. True False

True

Protection of an individual's private data in the United States is ______. Multiple choice question. an earned reward a legal right not required by law a personal privilege

a legal right

When a company takes back dangerous or defective products, this is called a ______. Multiple choice question. consumer protection law product recall product liability rule consumer movement

product recall

Under what grounds have some authoritarian governments justified limiting citizens' access to the Internet? Multiple select question. Religious grounds Security grounds Political grounds Economic grounds

Religious grounds Security grounds Political grounds

How did the government eventually gain full access to the phone? Multiple Choice Hundreds of grey hatters worked together for a month to break into the phone. The FBI paid $1 million to an outside party to demonstrate how to open the phone. Correct The FBI was able to hack directly into the phone. Apple gave in to the pressure and unlocked the phone.

The FBI paid $1 million to an outside party to demonstrate how to open the phone.

The publication of personal DNA sequencing results could be considered unethical, because _______. (Check all that apply.) Multiple select question. job opportunities could be compromised. the cost of individual health insurance could increase. drug companies could provide more customized remedies. life insurance policies could be denied.

job opportunities could be compromised. the cost of individual health insurance could increase. life insurance policies could be denied.

The broad term referring to the practical applications of science and knowledge to commercial and organizational activities is called _____. Multiple choice question. social networking social investment shared value technology

technology

Government efforts to protect consumer privacy include which action? Multiple choice question. A telemarketing "do not call" list An Internet "do not track" rule A business "do not disturb" rule A home "do not ring" for sales rule

A telemarketing "do not call" list

Match the consumer protection category (in the left column) with its related example (in the right column). Instructions Drag and drop application. Direct hazard Pricing Liability Privacy Unfair product charges, monopolistic practices, and noncompetitive acts are prohibited. Warnings about drug side-effects, restrictions on pesticides in food, and a ban on lead-based paint and unsafe children's toys and games are required. When injured by a product, consumers can seek legal redress. Limited collection of information online from and about children is allowed.

Direct hazard - Warnings about drug side-effects, restrictions on pesticides in food, and a ban on lead-based paint and unsafe children's toys and games are required. Pricing - Unfair product charges, monopolistic practices, and noncompetitive acts are prohibited. Liability - When injured by a product, consumers can seek legal redress. Privacy - Limited collection of information online from and about children is allowed.

What is one reason why the total volume of spam email, as a percentage of all email traffic, declined since 2014? Multiple choice question. Most email systems have applied antispam protection. Governments have refused to crack down on spam. The volume of spam email has not declined since 2014. Penalties for spamming have been reduced.

Most email systems have applied antispam protection.

In 2017 which country had the most restrictive Internet censorship policies, completely blocking its citizens from conducting Internet searches and from using social media platforms? Multiple choice question. North Korea Pakistan Iran China

North Korea

The largest emerging market for Internet usage, with more than 8,000 percent growth since 2000 is ______. Multiple choice question. Oceania The Middle East Latin America Africa

Africa

What makes behavior advertising different from traditional advertising? (Check all that apply.) Multiple select question. It is targeted to a large group of consumers. It is targeted to a particular individual. It is based on generalized in-store behavior. It is based on observed online behavior.

It is targeted to a particular individual. It is based on observed online behavior.

What is the primary reason that businesses favor the use of mandatory arbitration clauses to resolve customer disputes? Multiple choice question. They almost always favor the business. They avoid costly lawsuits. Customers prefer arbitration to mediation. They are required in many locations.

They avoid costly lawsuits.

What is the primary reason that businesses adopt voluntary codes of conduct? Multiple choice question. To encourage new government regulations To avoid fines for existing regulations To justify mandatory arbitration clauses To forestall stricter regulation by government

To forestall stricter regulation by government

The risk online shoppers take when their web profile negatively impacts their credit is known as: Multiple Choice Internet credit reporting. Weblining. Dark money. Crisis management.

Weblining.

Technology that uses biological systems or living organisms in products or processes is called _______. Multiple choice question. tissue engineering technology cooperation artificial intelligence biotechnology

biotechnology

After Volkswagen admitted fraud, how did the courts protect impacted customers, according to the case Volkswagen's "Clean Diesel" Campaign? Multiple choice question. The courts ruled that a lifetime warranty be granted to every affected owner or lease participant. The courts demanded that the manufacturer replace each diesel car with a gasoline powered car. The courts required the company to pay $15 million of restitution per owner. The courts ordered Volkswagen to buy back or repair each affected vehicle.

The courts ordered Volkswagen to buy back or repair each affected vehicle.

An example of behavior addiction is ______. Multiple choice question. changing your Facebook profile twice a year snapping a single picture of the sunset with your phone opening your Snapchat application 18 times a day reading your email once in the morning and once at night

opening your Snapchat application 18 times a day

Identify the scenario that best exemplifies product liability. Multiple choice question. A toaster caused burns after the owner sliced the cord. A car hit a guardrail after the owner ran out of gas, and it caused injuries to the driver's neck. A firm failed to warn consumers that their talcum powder products can cause ovarian cancer. A coffee mug shattered after being dropped and caused a cut on the owner's hand.

A firm failed to warn consumers that their talcum powder products can cause ovarian cancer.

Drag and drop the approximate time period against the corresponding phase of technology development using Figure 11.1. Instructions Drag and drop application. Nomadic-agrarian Agrarian Industrial Service Information Semantic Biotechnology 2000-today 1650-1900 1900-1960 1960-1975 Until 1650 1975-2000 2016-today

Nomadic-agrarian - Until 1650 Agrarian - 1650-1900 Industrial - 1900-1960 Service - 1960-1975 Information - 1975-2000 Semantic - 2000-today Biotechnology - 2016-today

What has been the primary disadvantage of growing genetically modified (GM) foods? Multiple choice question. The amount of water needed to grow the GM crops significantly increased. The process of developing GM seeds became too expensive. The number of seeds produced per GM crop dramatically decreased. Over time, GM crops lost their resistance to insects.

Over time, GM crops lost their resistance to insects.

The consumer movement in the United States is currently championed by which nongovernmental organizations? (Check all that apply.) Multiple select question. Public Interest Research Group The Private Citizen Group National Consumers League Consumer Federation of America

Public Interest Research Group National Consumers League Consumer Federation of America

Identify examples of the self-reinforcing feature of technology. (Check all that apply.) Multiple select question. The pace of technology is fast and furious. The invention of the microprocessor led to modern computers. The invention of the modern computer led to electronic mail. Technology effects ripple throughout society.

The invention of the microprocessor led to modern computers. The invention of the modern computer led to electronic mail.

What is the primary reason that consumer groups oppose the use of mandatory arbitration clauses to resolve customer disputes? Multiple choice question. They are less effective than mediation. They are more costly than lawsuits. They limit the rights of consumers to sue the firm. They are less effective than lawsuits.

They limit the rights of consumers to sue the firm.

Commerce conducted via mobile or cell phones is best explained by which examples? (Check all that apply.) Multiple select question. Trading stocks Using the GPS to navigate Mobile shopping Checking the weather

Trading stocks Mobile shopping

Crops were genetically modified to _____. (Check all that apply.) Multiple select question. increase crop yields develop a resistance to insects kill antibiotic-resistant germs resist the weed-killer

increase crop yields develop a resistance to insects resist the weed-killer

Stem-cell research has already accomplished which breakthroughs? (Check all that apply.) Multiple select question. The ability to generate new human limbs The procedure to regrow cartilage The process to regrow blood vessels The capability to grow very long hair overnight

The ability to generate new human limbs The procedure to regrow cartilage The process to regrow blood vessels

The Class Action Fairness Act of 2005 was opposed by which groups? (Check all that apply.) Multiple select question. Most American businesses Consumers' organizations American Trial Lawyers Association Food and Drug Administration

Consumers' organizations American Trial Lawyers Association

Describe the semantic phase of technology development. (Check all that apply.) Multiple select question. Metadata analysis Processes to navigate cyberspace Electronic email systems Social interaction

Metadata analysis Processes to navigate cyberspace Social interaction

M-Commerce is facilitated primarily by: Multiple Choice Laptops. Personal computers. Mobile or cell phones. The government.

Mobile or cell phones.

Match the unwanted Internet threat (in the left column) with its correct description (in the right column). Instructions Drag and drop application. Spam Phishing Stealing identity data through fake emails Unsolicited commercial emails sent in bulk

Spam - Unsolicited commercial emails sent in bulk Phishing - Stealing identity data through fake emails

Match the phase of technology development (in the left column) with its correct activity (in the right column), using Figure 11.1. Instructions Drag and drop application. Nomadic-agrarian Agrarian Industrial Service Information Semantic Biotechnology Harvesting Application of engineering and biological sciences Planting and harvesting Thinking and designing Building material goods Providing services Relevance and context

Nomadic-agrarian - Harvesting Agrarian - Planting and harvesting Industrial - Building material goods Service - Providing services Information - Thinking and designing Semantic - Relevance and context Biotechnology - Application of engineering and biological sciences

One particularly negative aspect of behavioral advertising is: Multiple Choice Consumers receive too many coupons for products they purchase regularly. Sellers collect so much data about purchasers they can't use most of it. Shoppers cannot keep up with all the new online sales. Online users may be vulnerable to the spread of misinformation tailored to their beliefs.

Online users may be vulnerable to the spread of misinformation tailored to their beliefs.

The process of conducting business transactions using mobile or cell phones is termed ______. Multiple choice question. economic leverage m-commerce social enterprise microfinance

m-commerce

One alternative to product liability lawsuits is called: Multiple Choice Limited resolution. Punitive damages reform. Alternative dispute resolution. Consumerism.

Alternative dispute resolution.

Identify the risk to shoppers introduced through the collection, buying, selling, and usage of vast amounts of personal consumer data. (Check all that apply.) Multiple select question. A major violation of privacy that might lead to unanticipated harm Too many discounts and coupons can lead to bankruptcy The chance that one's personal information could be used fraudulently Advertisements not tailored for the individual are extremely annoying

A major violation of privacy that might lead to unanticipated harm The chance that one's personal information could be used fraudulently

Rules in the United States that prohibit competitors from secretly dividing up the market amongst themselves are called: Multiple Choice Antitrust laws. Deceptive advertising. Federal Trade Protection Doctrine. The Right to Privacy.

Antitrust laws.

Which countries have recently moved up to top the United States in the number of Internet users? (Check all that apply.) Multiple select question. Japan China Brazil India

China India

Match the consumer privacy solution (in the left column) with its related actions (in the right column). Instructions Drag and drop application. Consumer self-help Industry self-regulation Privacy legislation Includes cookie management, enabling encryption, and understanding privacy settings. Includes voluntary policies for privacy protection, lets consumers set data collection preferences, and allows consumers to set advertising preferences. Refers to recommended "opt-out" tools for consumers, suggested retention time limits on collected data, and recommended disclosure of how consumer data is used.

Consumer self-help - Includes cookie management, enabling encryption, and understanding privacy settings. Industry self-regulation - Includes voluntary policies for privacy protection, lets consumers set data collection preferences, and allows consumers to set advertising preferences. Privacy legislation - Refers to recommended "opt-out" tools for consumers, suggested retention time limits on collected data, and recommended disclosure of how consumer data is used.

Match the consumer rights protection method (in the left column) with its correct description (in the right column), using Figure 14.1. Instructions Drag and drop application. Consumerism Government regulation Law/Courts Industry self-regulation This is taking legal action against product harm. This refers to protecting one's own interests as a consumer. This refers to protecting a firm's customers proactively. This means passing laws that ensure product safety.

Consumerism - This refers to protecting one's own interests as a consumer. Government regulation - This means passing laws that ensure product safety. Law/Courts - This is taking legal action against product harm. Industry self-regulation - This refers to protecting a firm's customers proactively.

Businesses can take a number of measures to respond voluntarily to consumer demands. Which of the following is an example of such a measure? Multiple Choice Product liability law reform. Customer call centers. Consumer advocacy groups. Alternative dispute resolution policies.

Customer call centers.

Why did Apple refuse to create a back-door software solution to unlock the mobile phone? Multiple Choice Creation of a parallel unsecured operating system would be too costly. Existence of a back-door would have allowed foreign governments and criminals to circumvent the security of any phone. Correct Apple was bound by the All Writs Act of 1789 to keep the phone private. Too much computing power was needed to generate enough unique device identification numbers.

Existence of a back-door would have allowed foreign governments and criminals to circumvent the security of any phone.

The United States has boosted Internet access through which government initiatives? (Check all that apply.) Multiple select question. Gave grants to expand wired and wireless service in technologically neglected regions Gave digital textbooks to people in rural areas Provided free Internet service for the bottom one percent of income earners Subsidized Internet upgrades for schools and libraries

Gave grants to expand wired and wireless service in technologically neglected regions Gave digital textbooks to people in rural areas Subsidized Internet upgrades for schools and libraries

In 2017, Microsoft announced plans to address the digital divide using which solution? Multiple choice question. Building more cellphone towers Laying hundreds of miles of underground cables Capturing unused radio waves Harnessing unused channels between television broadcasts

Harnessing unused channels between television broadcasts

The digital divide is accurately defined by which statements? (Check all that apply.) Multiple select question. In developed countries, the poor often have less access to the Internet. People in developing nations often have less Internet access that those in developed countries. The digital divide has little impact on the population. The divide is the gap between those with Internet access and those without.

In developed countries, the poor often have less access to the Internet. People in developing nations often have less Internet access that those in developed countries. The divide is the gap between those with Internet access and those without.

As of 2017 the volume of global spam email messages has declined primarily due to: Multiple Choice Increased anti-spam protections. Less interference by governments. Consumers utilizing the Do Not Call option. A decrease in the number of emails.

Increased anti-spam protections.

An automobile can compromise a driver's privacy through which types of smart technology? (Check all that apply.) Multiple select question. Internet connection The car radio using the FM band Global positioning system Event data recorder

Internet connection Global positioning system Event data recorder

Sequencing of the human genome is important to humanity for which reasons? (Check all that apply.) Multiple select question. It diminishes the need for hospitals. It facilitates the development of drug-therapies. It helps advance new ways to prevent illnesses. It provides early diagnosis of diseases.

It facilitates the development of drug-therapies. It helps advance new ways to prevent illnesses. It provides early diagnosis of diseases.

The importance of stem-cell research is best described by which statements? (Check all that apply.) Multiple select question. It refers to the absolute guarantee of immortality. It is the promise to repair failing human organs. It is regenerative technology that revolutionized medicine. It means the chance to rejuvenate aging cells.

It is the promise to repair failing human organs. It is regenerative technology that revolutionized medicine. It means the chance to rejuvenate aging cells.

What was the primary argument in favor of law enforcement gaining access to an individual's mobile phone? Multiple Choice National security is more important than personal privacy. Correct It was justified because the phone's owner had been killed. Customers' personal security was paramount. Given time, anyone can break encryption.

National security is more important than personal privacy.

Match the five core rights of consumers on the left with their correct descriptions on the right. Instructions Drag and drop application. Right to be informed Right to safety Right to choose Right to be heard Right to privacy Protection against hazardous or life-threatening products Protection of personal data during commercial transactions Having the facts to make an informed purchasing decision Access to a variety of products at fair prices Full consideration for consumer interests in the courts

Right to be informed - Having the facts to make an informed purchasing decision Right to safety - Protection against hazardous or life-threatening products Right to choose - Access to a variety of products at fair prices Right to be heard - Full consideration for consumer interests in the courts Right to privacy - Protection of personal data during commercial transactions

The voluntary process of dispute resolution through mediation is best illustrated by which example? Multiple choice question. A cell phone purchase agreement that requires arbitration Services to resolve mortgage foreclosure claims Services to initiate a new mortgage loan A credit card service that requires arbitration

Services to resolve mortgage foreclosure claims

What specific claim did Volkswagen make about its diesel vehicles that constituted deceptive advertising? Multiple Choice Diesel fuel was more economical than gasoline. TDI "clean diesel" had very low chemical emissions. Correct The cars' features were clean and beautiful. The cars were fun to drive.

TDI "clean diesel" had very low chemical emissions.

This term refers to the practical applications of science and knowledge to commercial and organizational activities. Multiple Choice Technology. E-commerce. Agrarian. Semantic.

Technology.

Behavioral advertising is accurately described by which statements? (Check all that apply.) Multiple select question. Customers often receive irrelevant future recommendations. The buyer receives more relevant messages. Individuals may be weblined based on their profiles. The seller is more likely to reach prospective customers.

The buyer receives more relevant messages. Individuals may be weblined based on their profiles. The seller is more likely to reach prospective customers.

In 2017, how did the relationship between the Department of Education and the CFPB change, according to Exhibit 14.A? Multiple choice question. Both agencies worked together to create a path to forgive all defaulted student loans. The department of Education stopped collaborating with the CFPB which weakened the effort to protect student borrowers. There was no change in relationship, and both agencies continued to assist debt collectors. The two agencies cooperated to expand the "Know Before You Owe" program to help all student borrowers.

The department of Education stopped collaborating with the CFPB which weakened the effort to protect student borrowers.

Why did Apple refuse to create a back-door software solution to unlock the mobile phone, according to the case To lock or Unlock Your Phone: Personal Privacy or National Security? Multiple choice question. The existence of a back-door would have allowed foreign governments and criminals to circumvent the security of any phone. Too much computing power was needed to generate enough unique device identification numbers. Apple was bound by the All Writs Act of 1789 to keep the phone private. Creating a parallel unsecured operating system was too costly.

The existence of a back-door would have allowed foreign governments and criminals to circumvent the security of any phone.

Identify an argument in favor of holding the food industry liable for obesity. Multiple choice question. The industry failed to lower their prices as they increased the amount of food calories. The industry failed to adequately communicate the health risks of some of their foods. The industry cannot be held accountable since people eat what they want. The industry knowingly introduced highly addictive foods and snacks to the public.

The industry failed to adequately communicate the health risks of some of their foods.

Product liability is accurately defined by which statement? Multiple choice question. Consumers have no right to sue and collect damages for unsafe products. Firms that make or sell products are not responsible for resultant injuries. The law proactively deters irresponsible behavior by companies. Firms are responsible for product-related injuries even if they did nothing wrong.

The law proactively deters irresponsible behavior by companies.

Identify the goals of consumer protection law. (Check all that apply.) Multiple select question. To provide limited nutrition labeling on food and beverages To protect consumers against possible hazards To ensure consumer choice of products and services To promote competitive pricing on goods and services

To protect consumers against possible hazards To ensure consumer choice of products and services To promote competitive pricing on goods and services

The purpose of the Consumer Financial Protection Bureau (CFPB) is accurately explained by which statements? (Check all that apply.) Multiple select question. To guarantee the lowest loan rates available To protect consumers from unfair and deceptive financial practices To ensure that consumers have clear and timely loan details To promote financial services innovations

To protect consumers from unfair and deceptive financial practices To ensure that consumers have clear and timely loan details To promote financial services innovations

The key elements of the Class Action Fairness Act of 2005 include _______. (Check all that apply.) Multiple select question. basing attorney fees on the plaintiff's amount received or time spent moving lawsuits over $5 million from federal to state courts basing attorney fees on a percentage of the settlement amount moving lawsuits over $5 million from state to federal courts

basing attorney fees on the plaintiff's amount received or time spent moving lawsuits over $5 million from state to federal courts

A compulsion to engage in rewarding behaviors, despite negative consequences is called ______. Multiple choice question. behavior addiction physical dependency tissue engineering Facebook fatigue

behavior addiction

An argument in support of preventing government access to private cell phones, according to the case To lock or Unlock Your Phone: Personal Privacy or National Security, is ______. Multiple choice question. public safety is more important than personal data individuals should not store private information on their phones the government has every right to search or confiscate your phone under any circumstances consumer privacy must be respected

consumer privacy must be respected

The term social networking refers to a system using technology that enables people to _____. (Check all that apply.) Multiple select question. explore interests bank online connect share activities

explore interests connect share activities

Arguments in opposition to holding the food industry liable for obesity are that ______, according to Exhibit 14.B. (Check all that apply.) Multiple select question. parents, not the food industry, should be responsible for their children's diet moderate amounts of fat and sugar are not necessarily bad for a healthy diet individuals should be responsible for their own weight control cigarettes are more addictive products than are fast food choices

parents, not the food industry, should be responsible for their children's diet individuals should be responsible for their own weight control

Some argue that bitcoin is riddled with problems such as ______. (Check all that apply.) Multiple select question. the potential for tax evasion or other types of fraud a general lack of understanding about cryptocurrencies the overall insecurity of the blockchain technology high susceptibility for identity theft across all users

the potential for tax evasion or other types of fraud a general lack of understanding about cryptocurrencies

The Children's Online Privacy Protection Act of 2000 limits the collection of information online from and about children under the age of ______. Multiple choice question. thirteen ten fifteen twelve

thirteen