Mercedes Kelley Tunstall

Mercedes Kelley Tunstall

Ballard Spahr LLP

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FTC Combats ‘Cramming’ in Mobile Apps and Services

In a recently released staff report, the Federal Trade Commission makes several recommendations designed to reduce “mobile cramming.” Cramming occurs when consumers access or enroll in third-party services through a mobile...more

8/4/2014 - Advertising Cell Phones Cramming Enforcement FTC Mobile Apps Mobile Devices Mobile Payments Mobile Services Third-Party Wireless Devices Wireless Industry

FTC Announces Settlements with Data Brokers over Alleged FCRA Violations

The Federal Trade Commission recently announced two more settlements with data brokers for alleged violations of the Fair Credit Reporting Act (FCRA). The settlements with Instant Checkmate, Inc., InfoTrack Information...more

4/11/2014 - Credit Reports Data Brokers Data Protection FCRA FTC

FTC Continues Aggressive FCRA Enforcement against Data Brokers

The Federal Trade Commission continues to aggressively enforce the Fair Credit Reporting Act (FCRA) against data brokers, as shown by its recent settlement with TeleCheck Services, Inc. The settlement requires TeleCheck to...more

1/24/2014 - Civil Monetary Penalty Data Brokers Data Protection Enforcement Enforcement Actions FCRA FTC Personally Identifiable Information

FTC Settles Nine Auto Dealer Deceptive Advertising Cases

The Federal Trade Commission announced last week that it had entered into proposed consent orders with nine auto dealers in six states that were charged with deceptive advertising in violation of Section 5 of the FTC Act....more

1/15/2014 - Advertising Car Dealerships CLA False Advertising FTC Regulation M Regulation Z TILA

FTC Settles First FCRA Risk-Based Pricing Notice Enforcement Action

The Federal Trade Commission recently announced the settlement of its first enforcement action for alleged violations of the Fair Credit Reporting Act (FCRA) risk-based pricing rule (Rule). The settlement demonstrates that...more

12/24/2013 - Compliance Enforcement Enforcement Actions FCRA FTC Risk-Based Approaches

FTC Settles Deceptive Advertising Claims against Two Auto Dealers

The Federal Trade Commission recently accepted agreements containing proposed consent orders from two car dealers who were charged with deceptive advertising in violation of Section 5 of the FTC Act....more

9/4/2013 - Automotive Industry Car Dealerships False Advertising FTC

FTC Charges Payment Processor with ‘Assisting and Facilitating’ Debt Relief Scam

The Federal Trade Commission recently brought an enforcement action against a company that processed credit card payments for the operator of an alleged debt relief telemarketing scam. This action serves as a reminder to...more

6/11/2013 - Amended Complaints Credit Cards Debt-Relief Industry Enforcement FDIC FTC Scams Telemarketing Telemarketing Sales Rule

FTC Proposes Banning Telemarketer Use of Remotely Created Checks, Cash-to-Cash Money Transfers, and Similar Payment Methods

The Federal Trade Commission has proposed changes to its telemarketing sales rule (TSR) that would prohibit sellers and telemarketers from accepting or requesting remotely created checks or payment orders, cash-to-cash money...more

5/24/2013 - Do Not Call List Fraud FTC Money Transfer Payment Methods Payment Processors RCCs RCPOs Telemarketing Telemarketing Sales Rule

FTC Sends FCRA Warning to Providers of Rental Histories

The Federal Trade Commission continues to keep Fair Credit Reporting Act (FCRA) enforcement at the forefront of its activities, as shown by its recent warnings to operators of six websites that provide information about...more

4/11/2013 - Consumer Reports FCRA FTC Landlords Tenants Warning Letters Websites

Mortgage Banking Update - March 21, 2013

In This Issue: - Uniform State Test Implementation Nearing - Mortgage Servicer's Alleged Failure To Be Licensed Subjects Company to Claims under State and Federal Debt Collection Statutes - Sixth Circuit...more

3/21/2013 - Amount in Controversy CAFA Class Action Data Protection Debt Collection FDCPA Foreclosure FTC HOA Licenses Liens Mobile Payments Mortgages Privity of Contract Res Judicata Robo-Signing SCOTUS Uniform State Test

FTC Issues Report on Mobile Payments

The Staff Report on mobile payments recently issued by the Federal Trade Commission (FTC) focuses on areas of concern discussed at the FTC’s April 2012 workshop. The report does not break much new ground, but it does...more

3/18/2013 - Data Protection FTC Mobile Devices Mobile Payments

FTC and California Attorney General Issue Reports on Mobile Privacy

The Federal Trade Commission and the California Attorney General have recently published reports focused on mobile privacy. The FTC’s “Mobile Privacy Disclosures” staff report, released on February 1, 2013, followed the...more

2/5/2013 - App Developers Attorney Generals Data Breach Data Collection Data Protection FTC Kamala Harris Mobile Apps Mobile Devices Mobile Privacy Disclosures Privacy on the Go

FTC Retains Door-to-Door Sales Rule but Proposes Higher Exemption Amount

The Federal Trade Commission recently released its decision to retain its rule requiring disclosure of a buyer’s right to cancel door-to-door sales of consumer goods and services (Cooling-Off Rule)....more

12/28/2012 - Cooling-Off Rule Disclosure Requirements Door-to-Door Sales FTC

FTC Settles ‘History Sniffing’ Charges Against Online Advertising Network

The Federal Trade Commission recently announced that it entered into a settlement with Epic Marketplace, Inc., (Epic) an online advertising company, of charges that its "history sniffing" practices violated Section 5 of the...more

12/13/2012 - Behavioral Advertising Browser History Sniffing FTC

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