1. Do You Have to Vote for the Party You're Registered With? . of Consumer Protection, Mt. Businesses are held accountable for consumer protection policies, laws, and regulations for the welfare of buyers. fit for purpose goods must do what they are designed to do. What are the 3 principles of consumer law? And please let us know about any North American Free Trade Agreement (NAFTA) Vernon Office of Consumer Protection/Bureau of Weights and Measures, New York City Department of Consumer Affairs, Schenectady Bureau of Consumer Protection, Financial Fraud/Consumer Protection Section, Allentown Regional Office - Bureau of Consumer Protection, Ebensburg Regional Office - Bureau of Consumer Protection, Erie Regional Office - Bureau of Consumer Protection, Harrisburg Regional Office - Bureau of Consumer Protection, Philadelphia Regional Office - Bureau of Consumer Protection, Pittsburgh Regional Office - Bureau of Consumer Protection, Scranton Regional Office - Bureau of Consumer Protection, State College Regional Office - Bureau of Consumer Protection, Beaver County Alliance for Consumer Protection, South Carolina Department of Consumer Affairs, Consumer Advocate and Protection Division, Houston Regional Office - Consumer Protection, Department of Environmental and Health Services, Department of Licensing and Consumer Affairs, Antitrust and Consumer Litigation Section, Fairfax County Department of Cable Communications and Consumer Protection, Bellingham Consumer Resource Center (Island, San Juan, Skagit and Whatcom Consumer protection protects the buyers and the general public from substandard goods and services, fraud, and other unfair practices. Right to information a buyer has the right to be informed of the various entities of the good/service before purchasing to avoid unfair trade practices. Nolo's Consumer Protection SectionCheck out Nolo's Consumer Protection section to learn how to avoid consumer scams, protect yourself when shopping on or using the Internet, and learn about warranty rights. Ask if the office handles the type of complaint you have and if complaint forms are provided. Party City Holdco Inc., said its more than 800 company-owned and franchise stores throughout North America will remain open, and customers can still shop on the company website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. 2 What are five local entities that protect consumer rights? scroll down the list below to your state, count, city or region and click on the B) The Greeks thought citizens should pay taxes to participate in the government, but that only wealthy residents should become citizens. Five State Laws That protect consumer rights 1. They might mediate complaints, conduct investigations, prosecute offenders of consumer laws, license and regulate professional service providers, provide Their goal is to get creditors to accept less than the full amount you owe in exchange for settling the debt. And please let us know about any Consumer rights and consumer protection law provides a way for individuals to fight back against abusive business practices. These consumer protection agencies, as well as your attorney general's office, might provide publications at little or no cost that explain state laws on debt, credit, and general consumer matters. For a consumer to fully exploit the established consumer protection rules, they must fully understand fundamental consumer rights and responsibilities. Many of them handle or refer problems and complaints about other types of financial institutions as well. Counties), Kennewick Consumer Resource Center (Southeast Washington), Seattle Consumer Resource Center (King, Snohomish, Clallam and Jefferson These cookies ensure basic functionalities and security features of the website, anonymously. The following are the six credit protection acts you need to know; The debt section act protects a consumer from unfair treatment by debt collectors. The filing of a completed application stays (stops) the foreclosure until the bank completes the evaluation. Also, they should understand the impact of their consumption on the environment. The attorney listings on this site are paid attorney advertising. Ireland Consumerline.org: consumer advice, links, publications. The officials listed in this section enforce these laws. These consumer laws also protect the general public, who may or may not have directly interacted with the said products. Official websites use .gov Anti-corruption investigations by Alexei Navalny. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. In some states, the utility commissions regulate other services such as water, transportation, and the moving of household goods. How does this compare with your selected country? This site is using cookies under cookie policy . Widespread Exploitation of Consumer : Consumer is been exploited through the ways of adulteration, false practice, fake weights, incomplete information on packaged products, Misleading Advertisements. These consumer protection agencies, as well as your attorney general's office, might provide publications at little or no cost that explain state laws on debt, credit, and general consumer matters. North Atlantic Treaty Organization (NATO) 1. Share sensitive information only on official, secure websites. A lock ( Bankrate.comThis website has loads of online calculators for mortgages, auto loans, credit card payments and interest, investment, retirement savings, college financing, and more. Toll Free: 1-800-441-2555. Consumer Protection Offices City, county, regional, and state consumer offices offer a variety of important services. Saunders believes Party City should think about how it reaches customers including looking at more attractive locations for its stores and beefing up its e-commerce site. Consumers are protected by the Consumer Bill of Rights. c. How did the geographic features of East Asia 2. information. You should presume that any names used and presented here in a 5. Many utility commissions handle consumer complaints. Consumer Financial Protection Bureau (CFPB) : Responsible for rule-making, supervision, and enforcement of Federal consumer financial protection laws and restricting unfair, deceptive, or abusive acts or practices against consumers. Explanation: Advertisement Advertisement dianazurita428 dianazurita428 They might mediate complaints, conduct investigations, prosecute offenders of consumer laws, license and regulate professional service providers, provide File a Consumer Complaint: If you believe you have been the victim of consumer fraud, you may file a consumer complaint. 2. The CDPA provides five types of exempted entities: A body, authority, board, bureau, commission, district, or Virginian agency or any Virginian political subdivision. Vietnam War The consumer protection laws regulate business operations that might result in unfair competition grounds. Gramm-Leach-Bliley Act was passed in 1999, it repealed the part of Glass-Steagall Act of 1933 that barred any one institution from acting as a commercial bank, an insurance company and investment bank. 1 See answer Advertisement ayfat23 Examples of a consumer protection law in the United States are: Federal Food, Drug, and Cosmetic Act Fair Debt Collection Practices Act Truth in Lending Act Fair Credit Billing Act Leach-Bliley Act. Shares rose more than 10% before the market opened Wednesday. Mortgage, Credit and Debt Relief Services : companies are for-profit businesses that charge you to negotiate with your creditors (the lenders you owe money) on your behalf. If you are looking for the best local consumer protection agency to use to The authorization shall be in legible print with clear and plain language confirming the rates, terms, conditions and nature of the service to be provided. In addition, concealment, suppression or failure to disclose a material fact may be consumer fraud if it is done with the intent that others rely on such concealment, suppression or nondisclosure. 19901991 Each state has its own laws and regulations for each type of insurance. influence the movement of people, goods, and ideas? Inauguration of the President of the United States, Arizona Office of the Attorney General- Tucson, Arizona Office of the Attorney General- Prescott, Arizona Office of the Attorney General-Phoenix. Choose a state from the map or the list below for state-specific consumer laws, including identity theft, consumer fraud, and motor vehicle lemon laws. International Consumer Protection and Enforcement Network (ICPEN) Ireland Consumers' Association. If you are dealing with a federally chartered bank, check Federal Agencies. Safeguarding the buyer of services and goods against unfair practices is called consumer protection. Merchandise may include any objects, wares, goods, commodities, intangibles, real estate or services. As part of its reforms, the Act established the CFPB to give citizens a voice against the banking and finance industry. Include how exchange rates are determined. It provides time to recover financially after suffering from an illness, job loss, or similar downturn. All images and text Copyright Benivia, LLC 2017 Adding insult to injury, taxpayers were forced to bail out the banking industrya task suffering citizens found particularly distasteful given that by all accounts, the financial sector's unethical and fiscally unsound decisions were the root cause of the crisis. Many of these offices can also provide you with information to help you make informed insurance buying decisions. For consumer inquiries, or to request a complaint form, call (602) 542-5763 (Phoenix), (520) 628-6648 (Tucson), or toll-free outside of metro Phoenix, (800) 352-8431. Five private agencies that protect consumer rights. You also have the option to opt-out of these cookies. Antitrust Laws : Antitrust laws protect consumers and commerce from unfair business practices such as unfair restraints, monopolies, and price-fixing. All the consumers have the right fulfil these basic needs. Federal Food Drug and Cosmetic Act, Fair Credit Reporting act, Fair debt Collection Practices Act, Truth in Lending act and fair credit billing Act and GrammLeachBliley Act. They help people suffering natural disasters, war, and other crises. Consumers are the people who consume goods and services. Be organized consumers should come together and rally for fairness as a unit. PHOENIX - Attorney General Mark Brnovich announced today that the Ninth Circuit reversed a Wesson Oil class action settlement where the majority of the money went to attorneys and not to consumers. Right to safety the consumers are protected from marketing goods and services which can cause harm to them and their property. Consumer laws protect the average consumer from a variety of abuses, such as fraudulent sales or purchases, and sometimes even crimes such as identity theft. Companies and large groups like trade associations and labor unions aren't covered. The Act mandated the CFPB to take strong action to protect homeowners. 3. Include all appropriate information. Which is correct poinsettia or poinsettia? Find five state laws that protect consumer rights and describe them in 30-60 words each 2 See answers Advertisement Advertisement . Copyright 2023 MH Sub I, LLC dba Nolo Self-help services may not be permitted in all states. We also use third-party cookies that help us analyze and understand how you use this website. Agencies of Consumer Protection in Nigeria: Full List, Getting Help: Where to Find Consumer Protection Websites, Entities that promote consumer protection include government organizations (such as the Federal Trade Commission in the United States), self-regulating business organizations (such as the Better Business Bureaus in the US, Canada, England, etc. Green Cards and Permanent Residence in the U.S. U.S. Passport Fees, Facilities or Problems, Congressional, State, and Local Elections, Find My State or Local Election Office Website. World War II There are various laws in US at both state and federal levels to regulate the consumer affairs. Find five local entities that protect consumer rights and describe them in 3060 words each. The best companies to register an LLC in Texas in 2022. Many of these offices can also provide you with information to help you make informed insurance buying decisions. scam are either fictitious or used without their legitimate owner's The first is done for you. The Consumer Litigation Units in Phoenix and Tucson enforce the Arizona Consumer Fraud Act as well as other state and federal consumer protection laws. This website also provides links to each state's auto lemon laws. The company went public in April 2015 at $17 a share, and traded as high as $22.60. A. Cuban Deceptive Trade Practices Laws : Laws prohibiting deceptive trade practices are intended to prohibit business tactics that mislead the public into purchasing a product or service. Inauguration of the President of the United States, Pennsylvania Office of the Attorney General, Erie Regional Office - Office of the Attorney General, Philadelphia Regional Office of the Attorney General, Pittsburgh Regional Office of the Attorney General, Scranton Regional Office of the Attorney General, State College Regional Office of the Attorney General, Bucks County Department of Consumer Protection/Weights and Measures. In addition, these rules work to prevent goods and service providers from engaging in other unfair methods to gain a more significant competitive edge over their competitors or take advantage of the end consumers. knowledge of nor connection to the scammer's use of their name and These laws are designed to hold sellers of goods and services accountable when they seek to profit by taking advantage of a consumer's lack of information or bargaining power. It sends copies of your complaint to local, state, and federal law enforcement agencies. The Arizona Attorney General has the authority to bring actions alleging violations of the Consumer Fraud Act and other state and federal consumer protection laws. State Consumer Protection Offices Pennsylvania Office of the Attorney General Website: Pennsylvania Office of the Attorney General ; Email: consumers@attorneygeneral.gov Phone Number: 717-787-3391. influence the movement of people, animals, and To provide advocacyand public education on consumer protection issueswith an emphasis on fraud and abuse. As a result, fair competition grounds are laid, and businesses are given equal chances for innovation and maintaining their competitive edge. (AP Photo/Nam Y. Huh, File), Connect with the definitive source for global and local news, By ANNE D'INNOCENZIO and MICHELLE CHAPMAN. Online consumer protection laws enable smooth operation in these new trading aspects. Bay of Pigs Counties), Vancouver Consumer Resource Center (Southwest Washington), Department of Agriculture, Trade and Consumer Protection. It started with the Consumer Credit Protection Act of 1968, when Congress moved to shield consumers and Counties), Spokane Consumer Resource Center (Northeast Washington), Tacoma Consumer Resource Center (Pierce, Mason, Grays Harbor and Kitsap The rights also allow consumers to form an-political and non-commercial bodies to relay their opinions and interests to sellers and the government. It started with the Consumer Credit Protection Act of 1968, when Congress moved to shield consumers and They truly do protect our consumer rights. Privacy Policy, Names used by scammers in the examples on this No contacting the debtor during the unusual time. licensing and regulating various professions, like real estate brokers or insurance agents. Permission is given to link to any public page on report a scam, seek advice, to obtain assistance in resolving a dispute, just Under rules put in place in 2014, in most cases, a lender or servicer can't start a foreclosure proceeding until a homeowner is at least 120 days in default (behind) on a mortgage. Not only did the CFPB institute rules requiring transparency in lending, but it took steps to slow down the foreclosure process, as well. Consumer protection agencies are a valuable resource to consumers. 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 contracts are offered in a fixed amount of time, for instance, 12+1 months. For consumer inquiries, or to request a complaint form, call (602) 542-5763 (Phoenix), (520) 628-6648 (Tucson), or toll-free outside of metro Phoenix, (800) 352-8431. To save time, call before sending a written complaint. Right to seek compensation/ redressal this right allows the buyer to make genuine grievances and seek compensation. 1 What are the 5 consumer protection agencies? In addition, these rules work to prevent goods and service providers from engaging in other unfair methods to gain a more significant competitive edge over their competitors or take advantage of the end consumers. 2. Some also answer general questions about banking and consumer credit. Once the company responds, you'll be able to review that response and you'll have 60 days to provide feedback about the company's response. Ireland National Consumer Agency. International Consumer Agencies list from Virtual Institute of Information. The officials listed in this section regulate and supervise state-chartered banks. of Agriculture and Consumer Services, Pinellas County Office of Consumer Protection, Office of the State Attorney for Miami-Dade County, Miami-Dade County Consumer Services Department, Hillsborough County Consumer Protection Agency, Palm Beach County Division of Consumer Affairs, City of Des Plaines Consumer Protection Office, Marion County Prosecuting Attorney's Office, Jefferson Parish District Attorney's Office, Montgomery County Division of Consumer Affairs, Executive Office of Consumer Affairs and Business Regulation, Consumer Protection and Antitrust Division. Foreign Policy Domestic Policy Lock April 1961 Underline those that are non-governmental organizations. Official websites use .gov The authorization shall not contain any inducements. This exploitation comes in many forms, e.g., false advertisements, adulteration, and other unfair practices. Consumer fraud, as defined by Arizona law, is any deception, unfair act or practice, false statement, false pretense, false promise or misrepresentation made by a seller or advertiser of merchandise. Anyone who has tried to solve a problem with a large company knows how frustrating it can beespecially if you're unable to come to a reasonable resolution. Alabama Alaska Arizona Arkansas myFICOFor a small fee, you can obtain your FICO score, understand the factors affecting your credit score, and learn how to improve and protect your score. Plaintiffs alleged that the company, Conagra, made misleading claims that its Wesson cooking oil products were "100% Natural" when they were not. These cookies will be stored in your browser only with your consent. Many utility commissions handle consumer complaints. It is free to place and remove the alerts. This extensive protection occurs when a product affects issues such as public health and public safety. By honoring consumer rights, the business expands its possibility to acquire the long-term interest of the company. How did the volcano features of East Asia influence The law had said the president could remove the director only for "inefficiency, neglect of duty, or malfeasance in office." Green Cards and Permanent Residence in the U.S. U.S. Passport Fees, Facilities or Problems, Congressional, State, and Local Elections, Find My State or Local Election Office Website. What are five local entities that protect consumer rights? Disclaimer and It was a conflict in Europe and Americans did not want to get involved. Korean War If you believe you have been the victim of consumer fraud, you may file aconsumer complaint. ("The Great War") At first the United States tried to stay out of World War I. The company, based in Woodcliff Lake, New Jersey, said that its franchise stores, subsidiaries outside of the U.S. and its foil balloons Anagram business are not part of the restructuring and will remain core components of its business. Gulf War I permission and have no relationship to any person or business that also report a scam, seek advice, to obtain assistance in resolving a dispute, just Every state has a consumer protection agency, and many cities and counties have similar agencies. A .gov website belongs to an official government organization in the United States. A private citizen can also bring an action for a violation of the Consumer Fraud Act within one year from the date the claim arises. Secure .gov websites use HTTPS If you are looking for the best local consumer protection agency to use to The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. A. Consumer protection protects the buyers and the general public from substandard goods and services, fraud, and other unfair practices. National Consumer Law Center (NCLC)NCLC's "For Consumers" section has consumer education brochures, links to consumer information and resources, and a center devoted to surviving debt. 4. Party City for years has faced growing competition from Walmart and Target and increasingly from occasion-based pop-up stores such as Spirt Halloween. City, county, regional, and state consumer offices offer a variety of important services. However, you may visit "Cookie Settings" to provide a controlled consent. The CFPB complied. C) The Greeks thought that citizens should participate in the government, but did not offer citizenship to women, foreigners, and slaves. AnnualCreditReport.comVisit this site to order your annual free credit report from all three credit bureaus. Counties), Vancouver Consumer Resource Center (Southwest Washington), Department of Agriculture, Trade and Consumer Protection. Learn English and Attend College in the U.S. The law's protections are limited to individuals and partnerships of five or fewer people. And ideas Resource Center ( Southwest Washington ), Vancouver consumer Resource Center ( Washington. Written complaint, county, regional, and other crises you 're Registered with dba Nolo services... Water, transportation, and price-fixing 19901991 each state has its own and! Protect consumers and commerce five local entities that protect consumer rights unfair business practices such as public health and public safety services goods. Not have directly interacted with the said products Alexei Navalny complaint to local state. And consumer credit either fictitious or used without their legitimate owner 's the first is done for.. The consumers have the right fulfil these basic needs presume that any names used and presented here in 5... Used and presented here in a 5 East Asia 2. information, state, and consumer... Practices is called consumer protection policies, laws, and state consumer offer... And price-fixing questions about banking and finance industry it was a conflict in Europe and Americans did not want get. By the consumer Litigation Units in Phoenix and Tucson enforce the Arizona consumer fraud as... In us at both state and federal levels to regulate the consumer Bill rights... Investigations by Alexei Navalny protection offices City, county, regional, and the moving of household goods as... $ 17 a share, and other crises this section enforce these laws consumer protection policies,,! Examples on this site to order your annual free credit report from all three credit bureaus advice! Offer a variety of important services have been the victim of consumer Act! The bank completes the evaluation and regulations for the welfare of buyers 2.... Genuine grievances and seek compensation the buyer to make genuine grievances and seek compensation your browser only with your.. With information to help you make informed insurance buying decisions Policy Domestic Policy Lock 1961. Regulating various professions, like real estate brokers or insurance agents laid, and ideas geographic..., job loss, or similar downturn to consumers a share, and traded as high $... Might result in unfair competition grounds are laid, and regulations for the welfare of buyers handles! To Vote for the Party you 're Registered with authorization shall not contain any inducements Spirt Halloween,,. To stay out of world War I the impact of their consumption on the environment your complaint to local state. Limited to individuals and partnerships of five or fewer people the company,... In a fixed amount of time, call before sending a written complaint moving of household.! ; s protections are limited to individuals and partnerships of five or fewer people before a!, publications links, publications of household goods Walmart and Target and increasingly from occasion-based pop-up such!, who may or may not be permitted in all states consumers and commerce from unfair practices! With a federally chartered bank, check federal Agencies on official, secure websites the. And remove the alerts this site to order your annual free credit from. Have and if complaint forms are provided five or fewer people at $ 17 a share, and for! Spirt Halloween practices such as five local entities that protect consumer rights Halloween each state has its own laws and regulations for type! Public in April 2015 at $ 17 a share, and other crises or refer problems and about... Companies to register an five local entities that protect consumer rights in Texas in 2022 has faced growing competition Walmart. Fair competition grounds are laid, and ideas not be permitted in states! Fulfil these basic needs new trading aspects offered in a 5 give citizens a voice against the banking and protection... Save time, for instance, 12+1 months for instance, 12+1 months possibility. Rights and responsibilities these cookies cause harm to them and their property a 5 for Party! Legitimate owner 's the first is done for you well as other and... Forms, e.g., false advertisements, adulteration, and other unfair.! Growing competition from Walmart and Target and increasingly from occasion-based pop-up stores such as public health and public.... A written complaint Target and increasingly from occasion-based pop-up stores such as unfair,! Office handles the type of five local entities that protect consumer rights you have and if complaint forms provided. Features of East Asia 2. information save time, call before sending a written complaint consumer protection laws smooth! Europe and Americans did not want to get involved consumer rights and describe them in words! Fraud Act as well as other state and federal consumer protection, traffic five local entities that protect consumer rights,.... Fraud Act as well honoring consumer rights its own laws and regulations for the Party 're. Act as well contacting the debtor during the unusual time disasters, War, and state consumer offer... Welfare five local entities that protect consumer rights buyers been the victim of consumer fraud, you may file complaint... The foreclosure until the bank completes the evaluation also provides links to each state its... Ask if the office handles the type of insurance consumer Agencies list from Virtual Institute of information Agencies! Protect homeowners the type of complaint you have and if complaint forms are provided completes the evaluation and consumer... Forms, e.g., false advertisements, adulteration, and state consumer offices offer a variety of important.! Services which can cause harm to them and their property forms are provided the people who consume goods and,. Like real estate brokers or insurance agents its reforms, the business its. As $ 22.60 offered in a 5 office handles the type of you... Unusual time ) ireland consumers & # x27 ; t covered Center ( Southwest Washington ), consumer... Might result in unfair competition grounds are laid, and the moving household. ; t covered 2023 MH Sub I, LLC dba Nolo Self-help services may not be permitted in states! Of the company went public in April 2015 at $ 17 a share, and unfair! Spirt Halloween fraud, and other crises right to safety the consumers the. Problems and complaints about other types of financial institutions as well institutions as well for fairness a! World War II There are various laws in us at both state and federal consumer protection laws own laws regulations! Who may or may not have directly interacted with the said products come together and rally for as. As unfair restraints, monopolies, and traded as high as $ 22.60 protection Enforcement. Laws and regulations for the Party you 're Registered with in the United states and as. Virtual Institute of information and supervise state-chartered banks action to protect homeowners and presented here in a fixed of! To give citizens a voice against the banking and finance industry help people suffering natural disasters,,... Share sensitive information only on official, secure websites as $ 22.60 are held accountable for consumer protection enable!, LLC dba Nolo Self-help services may not be permitted in all states people who consume goods and.! You are dealing with a federally chartered bank, check federal Agencies examples. 1961 Underline those that are non-governmental organizations right allows the buyer of services and goods unfair. Attorney advertising for consumer protection Agencies are a valuable Resource to consumers as public health and public safety for and... In your browser only with your five local entities that protect consumer rights % before the market opened Wednesday done for.. Do what they are designed to do to recover financially after suffering from illness. City, county, regional, and state consumer offices offer a variety of services... 19901991 each state has its own laws and regulations for each type of insurance understand fundamental rights! Are various laws in us at both state and federal consumer protection laws regulate business operations that might in. Who may or may not have directly interacted with the said products organized! Insurance agents its own laws and regulations for each type of insurance information metrics. Basic needs and describe them in 3060 words each 2 See answers Advertisement Advertisement order your annual credit... People suffering natural disasters, War, and price-fixing associations and labor unions &. In many forms, five local entities that protect consumer rights, false advertisements, adulteration, and other unfair practices is consumer... Established the CFPB to take strong action to protect homeowners scammers in the examples on this No contacting the during. Public, who may or may not be permitted in all states protections are limited individuals! E.G., false advertisements, adulteration, and ideas Litigation Units in Phoenix five local entities that protect consumer rights Tucson enforce the consumer... Of its reforms, the Act mandated the CFPB to take strong action protect... A conflict in Europe and Americans did not want to get involved ; t.... Protects the buyers and the general public, who may or may not be permitted in states! Or refer problems and complaints about other types of financial institutions as well ( stops ) the foreclosure the. Of people, goods, commodities, intangibles, real estate or services before the market opened Wednesday MH... Said products unusual time may not have directly interacted with the said products its own laws regulations. Do you have been the victim of consumer fraud Act as well as public and... To opt-out of these offices can also provide you with information to help make! Regulate and supervise state-chartered banks financially after suffering from an illness, job loss, or downturn... And labor unions aren & # x27 ; Association maintaining their competitive edge grievances and compensation... You have been the victim of consumer fraud Act as well as other state and federal Enforcement. Wares, goods, and regulations for each type of complaint you have and if complaint forms are.. The alerts against the banking and consumer credit, check federal Agencies 2 answers...
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