Consumer Laws

Consumer Laws

Illinois and federal laws that help protect you as a consumer

May 2014

Illinois General Assembly

Legislative Research Unit

JOINT COMMITTEE ON LEGISLATIVE SUPPORT SERVICES

President of the Senate & Chairman

Speaker of the House House Republican Leader Senate Republican Leader

Sen. John J. Cullerton Rep. Michael J. Madigan Rep. Jim Durkin Sen. Christine Radogno

LEGISLATIVE RESEARCH UNIT

Co-Chairperson Co-Chairperson Executive Director Associate Director

Sen. Pamela J. Althoff Vacant Alan R. Kroner Jonathan P. Wolff

Senators Thomas Cullerton Sam McCann Julie A. Morrison Jim Oberweis Martin A. Sandoval

Representatives Adam Brown

La Shawn K. Ford Chad Hays

Barbara Wheeler Vacant

The Legislative Research Unit is the central research agency for the General Assembly. A board of 12 legislators, appointed by the Joint Committee on Legislative Support Services, supervises its operations.

A staff of researchers handles inquiries from legislators, legislative committees, and partisan staff. The staff's areas of expertise include law generally, science and technology, taxation, education, local government, economics and fiscal affairs, and the political and social history of Illinois.

Legislative Research Unit 222 S. College, Suite 301 Springfield, Illinois 62704-1894

Phone: 217/782-6851 E-mail: lru@ Website: mission/lru/lru_home.html

Cover note: photo by Kathleen Young

Consumer Laws

May 2014

Revised by Joshua Scanlon, Research Associate, and other members of the LRU research staff

Proofing & cover design by Kathleen Young, Proofreader-Office Associate Layout by Dianna Jones, Office Administrator Publication 371

Introduction

This booklet tells about Illinois and federal laws that help protect you as a consumer. The laws are grouped by subject, using a question-and-answer format in most places. Subjects covered include false advertising, identity theft, automobile sales and repairs, collection agencies, credit cards, door-to-door selling, online buying, retail installment contracts, and repossession.

Numbered notes at the end of the booklet list each law described in the text. To get more information, you can use these endnotes to look up these laws at many public libraries. If you can't get the information there, your state legislator's office can help if given all the information in the note. The final section of the booklet, "For More Help," makes suggestions for places to go if you need to enforce rights described here.

Your best protection as a consumer is to shop wisely. This includes reading forms and disclosures before agreeing to anything. If you don't understand what a form says, take it to someone you trust who can explain it to you. This can often prevent a disappointing consumer experience.

Alan R. Kroner Executive Director

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