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Topic: End consumer

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	FRB: Vehicle Leasing: Glossary
		Ending of the lease before the scheduled termination date for any reason, voluntary or involuntary (for example, you return the vehicle early or default on the lease, or the vehicle is stolen or totaled).
		If you believe the amount owed at the end of the lease term is unreasonable and refuse to pay, the lessor or assignee may attempt to prove that the residual value was reasonable when it was set at the beginning of the lease.
		The requirement of the Consumer Leasing Act that charges for delinquency, default, or early termination be reasonable in light of the lessor's or assignee's (1) anticipated or actual harm caused by such delinquency, default, or early termination, (2) difficulties in proving loss, and (3) inconvenience in obtaining a remedy.
	www.federalreserve.gov /pubs/leasing/glossary.htm (4528 words)

	Insights - Why Consumer Research Matters to Suppliers - 08/05
		End consumer research tends to have an "increasing returns" element to it—the more you know and the longer you do it, the more benefit you get from it, and the harder it is for competitors to duplicate your knowledge base.
		They might not be doing the direct research with end consumers (although we would argue that this wouldn't at all be an inappropriate strategy), but they should be asking their customers what they know about shifting consumer preferences in end products (e.g., seating) and what the emerging product implications are for them.
		End consumer knowledge is best leveraged when the company has gone through the strategic process of focusing its product portfolio.
	www.autofieldguide.com /columns/0805insight.html (1340 words)

	[No title]
		A consumer's enrolling in a payroll deduction plan or preauthorized-payment plan after the obligation has begun is permissible under the rule as long as it is done voluntarily by the consumer and at the consumer's request.
		consumer — used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
		The consumer need not pay (and the creditor may not try to collect) any portion of any required payment that the consumer believes is related to the disputed amount (including related finance or other charges).
	www.state.in.us /dfi/education/StudyUnits/unit3.doc (16611 words)

	Summary Of Consumer Credit Laws
		Creditors to notify consumers of the name and address of credit reporting agencies (credit bureaus) whose reports were used as a basis for adverse credit decisions.
		Limits consumer liability to $50 for unauthorized transfers involving an access device or card, if the financial institution is notified within two business days from the date the consumer discovers the loss of a card.
		Makes a consumer liable for billing errors if the consumer fails to notify the financial institution within 60 days of receiving a statement containing an error, unless there are mitigating circumstances that prevent the consumer from notifying the institution.
	www.cardreport.com /laws/summary.html (3134 words)

	FCA Exam Manual EM-614 Consumer Protection - Truth In Lending
		Consumer Credit--credit to a natural person where 50 percent or more is for personal, family, or household purposes.
		Both the previous and subsequent borrower must be consumers, but the determination of an "existing residential mortgage transaction" is based on the conditions related to the assuming consumer.
		Consumers will not be required to pay any amount in excess of the finance charge or dollar equivalent of the APR actually disclosed on transactions involving willful violations which were intended to mislead the consumer.
	www.fca.gov /examman.nsf/0/6dc9d3df869bd386852561cd006e74e9?OpenDocument (7212 words)

	Title 70C. Utah Consumer Credit Code, Chapter 3. Closed-end Consumer Credit Debt
		(a) The unpaid balance of a closed-end consumer credit debt at any point in time shall consist only of any unpaid earned finance charge, the unpaid principal of the debt, and any delinquency or deferral and other allowable charges that may have been assessed prior to prepayment.
		(3) If the maturity of a closed-end consumer credit debt is accelerated for any reason and judgment is obtained, the debtor is entitled to have the unpaid balance of the debt calculated, less any legal offset, as if payment in full had been made on the date judgment was entered.
		Interest on the judgment shall be the rate agreed on by the parties with respect to the debt.
	www.code-co.com /utah/code/03/70c03.htm (546 words)

	Lansing State Journal:War's end bolsters consumer sentiment (Site not responding. Last check: 2007-10-21)
		NEW YORK - Consumers remain wary about current economic conditions but are confident that a turnaround is only months away, pushing a key indicator to a six-month high, according to the latest consumer confidence survey released Tuesday.
		Analysts were expecting a reading of 84 for May. The April index had soared 19.6 points from March as consumers cheered a quick end to the war in Iraq.
		Consumers who said jobs are difficult to find jumped to 32.6 from 29.4, while those claiming work was plentiful slipped to 12.6 from 13 in April.
	www.lsj.com /news/business/030528economy7c.html (358 words)

	Debt Consolidation Time - Consumer Debt
		There is a multitude of adjectives and phrases that could be used to describe our consumer debt solutions and the reasons why they have proven to be so effective over the years.
		Most of the time, clients don't even care about the reasons why our panel of experts can so easily find debt free plans for their needs in a short period of time, as long as this is the end result of the application process.
		What these consumer debt responses consist of will vary based on your circumstances, but the main goal will always be to target your consumer debt and determine the best way to make it a permanent issue of the past.
	www.debtconsolidationtime.com /debt-free/consumer-debt (526 words)

	Johanson Berenson LLP :: A Primer on Installment Sales and Closed-End Credit
		Open-end credit sales of consumer goods and services generally take the form of the seller's use of a credit card, often bearing the name of the seller or retailer from whom the consumer is making the purchase.
		The credit is open-ended because it allows the consumer to make additional purchases, and to carry the balance or debt incurred for an open period of time, so long as the minimum payments are made as agreed between the parties.
		In essence, this is akin to consumers going out to seek their own financing to pay for the home improvement, but the process is assisted by relationships the contractor may already have with a direct lender.
	www.johansonberenson.com /ex_a_retail_install.htm (1920 words)

	US CODE: Title 15,1637a. Disclosure requirements for open end consumer credit plans secured by consumer’s ...
		An estimate, based on the creditor’s experience with such plans and stated as a single amount or as a reasonable range, of the aggregate amount of additional fees that may be imposed by third parties (such as governmental authorities, appraisers, and attorneys) in connection with opening an account under the plan.
		A statement that the consumer may ask the creditor for a good faith estimate by the creditor of the fees that may be imposed by third parties.
		as the case may be, a statement of such fact, including an explicit statement that at the end of such repayment period a balloon payment (as defined in section 1665b (f) of this title) would result which would be required to be paid in full at that time.
	www4.law.cornell.edu /uscode/html/uscode15/usc_sec_15_00001637---a000-.html (1612 words)

	Title 70C. Utah Consumer Credit Code, Chapter 4. Open-end Consumer Credit Contract
		If there is an unpaid balance in an open-end account on the date the finance charge is applied and that charge does not exceed $1 for billing cycles which are monthly or longer, the creditor may assess a minimum charge of not more than $1 for those periods.
		(6) (a) A creditor may include a notice required by this section of a change to an open-end consumer credit contract on or in the same envelope as a periodic statement or other material sent to the borrower by the creditor.
		With respect to an open-end consumer credit contract, a finance charge may only be calculated during any particular billing cycle on the basis of either:
	www.code-co.com /utah/code/03/70c04.htm (533 words)

	Year-End Consumer Confidence Ends on Positive Note
		The late-year rise in consumer opinion was an optimistic sign for the economy, although analysts cautioned that confidence was still below levels in August.
		The Conference Board, a private research group, said its index of consumer confidence climbed to 103.6 in December from 98.3 in November.
		Consumers had a turbulent 2005, with the confluence of a brutal hurricane season and an accompanying spike in energy prices taking its toll on Americans' perception of their own economic well-being.
	www.gourmetretailer.com /gourmetretailer/headlines/article_display.jsp?vnu_content_id=1001772601 (491 words)

	Consumer Credit Laws
		Consumer credit transactions are regulated both at the Federal and the State level.
		If the disclosures are incorporated into the loan agreement they must be separated from all other loan details; for example, they may be placed in a boxed section on the form or be separated by bold print dividing lines (often referred to as the "Federal Box").
		Explains how consumer credit laws can help you shop for credit, apply for it, keep a positive credit record, and, if need be, complain about an unfair deal.
	www.state.in.us /dfi/education/crlaws.htm (3505 words)

	US CODE: Title 15,1637. Open end consumer credit plans
		(iii) the card issuer discloses clearly and conspicuously that the consumer is not obligated to accept the card or account and the consumer will not be obligated to pay any of the fees or charges disclosed unless the consumer elects to accept the card or account by using the card.
		(i) the consumer is given a 30-day period to avoid payment of the fee or to have the fee recredited to the account in any case where the consumer does not wish to continue the availability of the credit; and
		In any case in which a proposed change described in paragraph (1) occurs, the insured consumer shall be given the name and address of the new guarantor or insurer and a copy of the policy or group certificate containing the basic terms and conditions, including the premium rate to be charged.
	www.law.cornell.edu /uscode/html/uscode15/usc_sec_15_00001637----000-.html (2853 words)

	Energy Use of U.S. Consumer Electronics at the end of the 20th Century
		The major consumer electronics in U.S. homes accounted for over 10% of U.S. residential electricity consumption in 1999, which is comparable to the electricity consumed by refrigerators or lighting.
		In all, consumer electronics consumed 110 TWh in the U.S. in 1999, over 60% of which was consumed while the products were not in use.
		In general, Active usage values were based on consumer surveys, while the remaining values were estimated from anecdotal data or best guesses.
	eetd.lbl.gov /EA/Reports/46212 (936 words)

	ThreadSafeQueue (Site not responding. Last check: 2007-10-21)
		End of input protocol: When the producer has no more to send, it calls end.
		The consumer can wait for done to insure that processing is complete before moving on.
		Consumer: Wait for next object with a timeout.
	www.siue.edu /~cbwilso/dale/doc/utility/ThreadSafeQueue.html (152 words)

	Are sizzling gadget sales cooling off? \| CNET News.com
		Despite a forecast for $125.7 billion in device sales this year by the Consumer Electronics Industry Association--that's up 11 percent from 2004-—brisk growth is unlikely to continue over the next 18 months, according to Chris Crotty, an analyst with market research firm iSuppli.
		Consumer electronics sales should experience a significant dip in growth next year, according to iSuppli, which cites such factors as market saturation and rising gas prices.
		Consumer adoption of digicams is expected to pass 60 percent in Japan and about 50 percent in the United States and Europe this year--something the PC industry took about 20 years to accomplish, Crotty said.
	news.com.com /Are+sizzling+gadget+sales+.../2100-1041_3-5842167.html (986 words)

	Consumer Confidence Shaky as Recession Nears End
		Amid reports of the recession's end, consumer confidence dipped slightly in February for the first time in two months, a move economists say is expected as the economy begins a turnaround, the AP reports.
		Analysts predict consumer confidence will not be helped by the slight rise in the jobless number rate that's expected.
		"Consumers are a bit worried that economic recovery could slow as they see a continuing higher jobless rate and the setback in the stock market as the result of the Enron scandal," Sung Won Sohn, chief economist at Wells Fargo, told the AP.
	www.nfib.com /object/3180408.html (225 words)

	Types of Car Leases: Open-end and Closed-end. Be Careful!
		This type of lease allows you to simply return your vehicle at the end of the lease and have no other responsibilities other than possible payment of excessive damage or mileage charges.
		Closed-end leases are based on the concept that the number of miles you drive annually is fairly predictable (12,000 miles per year is typical), that the vehicle will not be driven in rough or abusive conditions, and that its value at the end of the lease (the residual) is therefore somewhat predictable.
		At the time you lease, the leasing company estimates the vehicle's lease-end residual value based on the expected number of driven miles and, if the vehicle is actually worth less than the residual when you turn it in, the leasing company takes the financial hit, not you.
	www.leaseguide.com /lease06.htm (516 words)

	Consumer Publications
		Consumer publications from the Attorney General's Office are available at no charge upon request.
		Missourians can plan now for the end of life with step-by-step information and forms on how to communicate their wishes for health care and other issues.
		The Attorney General's Office and The Missouri Bar have available a free consumer education kit that comes with a teachers guide, 20-page workbook and 26-minute videotape.
	www.ago.mo.gov /publications/publications.htm (266 words)

	FRB: Vehicle Leasing: Quick Consumer Guide
		This quick consumer guide is for a closed-end lease, the most common type of vehicle lease.
		LEASING: At the end of the lease (typically 2-4 years), you may have a new payment either to finance the purchase of the existing vehicle or to lease another vehicle.
		At the end of the lease, if you don't buy the vehicle, you may have to pay a disposition fee and charges for excess miles and excessive wear.
	www.federalreserve.gov /pubs/leasing (931 words)

	FDIC: FDIC Law, Regulations, Related Acts - Consumer Protection
		The financial institution as a consumer reporting agency
		Responsibilities of a financial institution to consumers when it is a consumer reporting agency
		Responsibilities of a financial institution when it furnishes or uses consumer reports for employment purposes
	www.fdic.gov /regulations/laws/rules/6500-100.html (966 words)

	Consumer Assistance
		ConsumerLine, a free consumer service, acts as an intermediary between consumers and direct marketing companies to resolve complaints on a timely basis.
		Consumers register and, for security purposes, re-confirm their individual registration with the e-Mail Preference Service (e-MPS).
		Legitimate marketers want to help in identifying those consumers who exhibit behavior that suggests they may be making too many, unusual, or sweepstakes related purchases.
	www.dmaconsumers.org /consumerassistance.html (532 words)

	FDIC: FDIC Law, Regulations, Related Acts - Consumer Protection
		For the purposes of this chapter, a catalog or other multiple-page advertisement shall be considered a single advertisement if it clearly and conspicuously displays a credit terms table on which the information required to be stated under this chapter is clearly set forth.
		(1) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.
		(2) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
	www.fdic.gov /regulations/laws/rules/6500-400.html (1229 words)

	Consumer Electronics
		Broadstream Bstream* Middleware forms the link between broadband IP networks and consumers, presenting service providers with the opportunity to protect existing subscribers, gain new ones and develop additional revenue streams.
		This software enables the consumer to display, organize and manage digital photos, music, video and other content shared among CE devices in the home, including the ability to "virtualize" the storage and retrieval of digital content in the home regardless of where the content is stored.
		Java* Virtual Machines and embedded browsers - To ease the porting and interoperability of their software to various consumer electronics devices, some vendors are architecting their applications in either Java or as an application that can run within a ported embedded browser.
	www.intel.com /design/celect (2802 words)

	The end of branding as we know it (Site not responding. Last check: 2007-10-21)
		This involved a series of activities including school contact programmes, children marches through villages, stencilling on walls and a "glow germ test" to demonstrate live to children the presence of germs on their hands -- bringing to life a brand promise by direct involvement with the end-consumer.
		Entertainment, where the experience goes into the consumer but the consumer does not actively participate in it.
		Educational, where the experience goes into the consumer and he also is actively affected by it.
	us.rediff.com /money/2004/oct/01guest.htm (1214 words)

	MediaMall: Pro Media: Media Viewfinder: High-End "Consumer" DV Cameras ..
		More importantly, for the sake of getting some perspective on the ways that this new format is shaking up the industry, manufacturers are attempting to categorize these DV camcorders as something less than professional.
		Putting aside for the moment the confusion that's created by trying to lump together cameras that costs more than $4,000 in the same category with the low budget (less than $1,000) truly consumer stuff, I think the fact is that DV (even the one-chip cameras) actually represent is a new category of professional equipment.
		There are far too many professionals using 3-chip DV cameras like the Sharp D-5000U, the Sony VX-1000 and the Panasonic AG-1 to earn at least part of their livelihood for anyone to pretend that these are not professional cameras (albeit with the limitations mentioned below).
	www.mediamall.com /promedia/viewfinder/projob.html (495 words)

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