[{"id":2839682,"description":"Arrêté n° 70-1339/SG/AI portant modification de l'arrêté n° 70-1004/SG/AI du 28 août 1970 portant autorisation de","link":"https://www.journalofficiel.dj/texte-juridique/arrete-n-70-1339-sg-ai-portant-modification-de-larrete-n-70-1004-sg-ai-du-28-aout-1970-portant-autorisation-de-loterie/","title":"Arrêté n° 70-1339/SG/AI portant modification de l'arrêté n° 70-1004/SG/AI du 28 août 1970 portant autorisation de loterie"},{"title":"Décision n° n°17 , mutations,","link":"https://www.journalofficiel.dj/texte-juridique/decision-n-n17-mutations-3/","id":2839683,"description":"Décision n° n°17 ,"},{"id":2839684,"title":"JORD n° 04 du 26/02/2026","link":"https://www.journalofficiel.dj/journal-officiel/n-04-du-26-02-2026/"},{"id":2839685,"link":"https://www.journalofficiel.dj/journal-officiel/n-03-du-15-02-2026/","title":"JORD n° 03 du 15/02/2026"},{"title":"Décret N° 2013/274 du 12 août 2013 portant Habilitation du MINEPAT à signer un accord de prêt pour le financement du projet d'intervention d'urgence contre les inondations dans la région de l'Extrême-Nord.","link":"https://www.prc.cm/fr/actualites/actes/328-decret-n-2013-274-du-12-aout-2013-portant-habilitation-du-minepat-a-signer-un-accord-de-pret-pour-le-financement-du-projet-d-intervention-d-urgence-contre-les-inondations-dans-la-region-de-l-extreme-nord","id":2839679,"description":"Décret N° 2013/274 du 12 août 2013 portant Habilitation du Ministre de l'Economie, de la Planification et de l'Aménagement du Territoire à signer avec l'Association Internationale de Développement (IDA), un accord de prêt d'un montant de 71,6 millions de droits de tirage spéciaux (DTS) correspondant à 108 millions de dollars US, soit environ 54 milliards de francs CFA, pour le financement du projet d'intervention d'urgence contre les inondations dans la région de l'Extrême-Nord. Lire la"},{"description":"Décret n° 2013/277 du 16 août 2013 habilitant le Ministre de l'Economie, de la Planification et de l'Aménagement du Territoire à signer avec la Banque Africaine de Développement (BAD), un Accord de prêt d'un montant de 20,990 millions d'Unités de Compte, soit environ 15,811milliards de francs CFA, pour le financement partiel de la deuxième phase du projet d'assainissement de la ville de Yaoundé. Lire la","id":2839680,"link":"https://www.prc.cm/fr/actualites/actes/341-decret-n-2013-277-du-16-aout-2013-habilitant-le-minepat-a-signer-un-accord-de-pret-pour-le-financement-partiel-de-la-deuxieme-phase-du-projet-d-assainissement-de-la-ville-de-yaounde","title":"Décret n° 2013/277 du 16 août 2013 habilitant le MINEPAT à signer un Accord de prêt pour le financement partiel de la deuxième phase du projet d'assainissement de la ville de Yaoundé."},{"title":"Décret N° 2013/275 du 12 août 2013 portant Ratification de l'accord de prêt entre la République du Cameroun et la Banque Arabe pour le Développement Economique en Afrique (BADEA).","link":"https://www.prc.cm/fr/actualites/actes/327-decret-n-2013-275-du-12-aout-2013-portant-ratification-de-l-accord-de-pret-entre-la-republique-du-cameroun-et-la-banque-arabe-pour-le-developpement-economique-en-afrique-badea","id":2839681,"description":"Décret N° 2013/275 du 12 août 2013 portant Ratification de l'accord de prêt d'un montant de 7,5 millions de dollars US, soit environ 3,75 milliards de FCFA, conclu le 30 avril 2013 entre la République du Cameroun et la Banque Arabe pour le Développement Economique en Afrique (BADEA), pour le financement du projet de construction et d'équipement du Lycée Technique de Ombe. Lire la"},{"id":2839624,"description":"This National Preparedness Month, make a plan for your business chundycz September 3, 2025 | 12:53PM This National Preparedness Month, make a plan for your business By BCP Staff How will your business operate if important systems are down due to a natural disaster or weather emergency? Do you have backup files of critical data? And do your communications, IT, and operations staff know what to do during an emergency? September is  National Preparedness Month . Whether you run a small retail store, nonprofit, or a company with many locations, it’s a good time to plan ahead to minimize damage to your business if a natural disaster strikes.  Scammers love a crisis and often target people and businesses during and after disasters to try to steal their money and personal or business information. The FTC has tools and information to help you avoid fraud as you prepare for and recover from an emergency. Here are a few points to consider as you’re making or updating your business’s emergency plan. Protect your staff, come rain or shine.  Sharing preparedness information with your employees can help keep them safe during an emergency.  Dealing with Weather Emergencies  is a one-stop shop that covers emergency preparedness, financial recovery, and scam-spotting. It also includes links to resources from other government agencies. Back up your data.  How would your business respond if a weather emergency destroyed essential paperwork or damaged devices? Work with your IT staff to ensure you’re taking a secure approach to backing up important records. Alert people in your community about the risks of disaster-related fraud. Take advantage of your standing in the business community – and your social media network – to alert people about disaster-related frauds.  Dealing with Weather Emergencies  features social media shareables to help amplify your voice. Order free FTC print publications like  Scams and Your Small Business at  ftc.gov/bulkorder and have them available for employees, customers, or to distribute in your community. All FTC publications are free to order and there are no charges for","link":"https://www.ftc.gov/business-guidance/blog/2025/09/national-preparedness-month-make-plan-your-business","title":"This National Preparedness Month, make a plan for your business"},{"id":2839625,"description":"Know the risks before investing in cryptocurrencies lfair February 16, 2018 | 2:36PM Know the risks before investing in cryptocurrencies By Elizabeth Kwok As a business person managing your personal portfolio, you do your best to keep up with the latest financial news. You’ve been hearing more about cryptocurrencies and asking yourself “Hmmm.” Of course, it’s not just bitcoin. There are now hundreds of cryptocurrencies, which are a type of digital currency, on the market. They’ve been publicized as a fast and inexpensive way to pay online, but many are now also being marketed as investment opportunities. But before you decide to purchase cryptocurrency as an investment, here are a few things to know: Cryptocurrencies aren’t backed by a government or central bank. Unlike most traditional currencies, such as the dollar or yen, the value of a cryptocurrency is not tied to promises by a government or a central bank. If you store your cryptocurrency online, you don’t have the same protections as a bank account. Holdings in online “wallets” are not insured by the government like U.S. bank deposits are. A cryptocurrency’s value can change constantly and dramatically. An investment that may be worth thousands of dollars on Tuesday could be worth only hundreds on Wednesday. If the value goes down, there’s no guarantee it will rise again. Nothing about cryptocurrencies makes them a foolproof investment. Just like with any investment opportunity, there are no guarantees. No one can guarantee you’ll make money off your investment. Anyone who promises you a guaranteed return or profit is likely scamming you. Just because the cryptocurrency is well-known or has celebrities endorsing it doesn’t mean it’s a good investment. Not all cryptocurrencies or the companies behind them are the same. Before you decide to invest in a cryptocurrency, look into the claims the company is making. Do an internet search with the name of the company and the cryptocurrency with words like review, scam, or complaint. Look through several pages of search results. Read more about Investing Online .","title":"Know the risks before investing in cryptocurrencies","link":"https://www.ftc.gov/business-guidance/blog/2018/02/know-risks-investing-cryptocurrencies"},{"title":"Avoid fireworks: Look to the FTC for help with your Made in USA claims","link":"https://www.ftc.gov/business-guidance/blog/2024/07/avoid-fireworks-look-ftc-help-your-made-usa-claims","description":"Avoid fireworks: Look to the FTC for help with your Made in USA claims chundycz July 2, 2024 | 8:02AM Avoid fireworks: Look to the FTC for help with your Made in USA claims By Julia Solomon Ensor Regular readers know that when it comes to false “Made in USA” claims, the FTC means business. Lying about product origin hurts consumers, honest businesses, and American workers. That’s why we keep suing companies that don’t play by the rules, assessing penalties where appropriate, and returning money to consumers when we can. But, although they make the headlines, the big cases don’t tell the whole story. We know most businesses that manufacture and create jobs in the USA want to play by the rules. And FTC staff is working behind the scenes to help. You can browse guidance and case documents at  www.ftc.gov/musa . If you can’t find what you need or still have questions, you can send us an email at  musa@ftc.gov . Even though we can’t bind the Commission or preapprove claims, we will do our best to answer questions. As part of these efforts, today we are releasing a refreshed version of our Complying with the Made in USA Standard guidance document. There you will find updated information about how consumers understand Made in USA claims, how the Commission evaluates advertisements, and how the laws and rules we enforce interact with those enforced by other agencies. Here are a few key takeaways: Consumer expectations control.  The FTC’s job is to make sure marketers’ claims match consumer expectations. When consumers see Made in USA claims, they expect advertised products to be all, or virtually all, made in the United States. All the way back to raw materials. If that’s not true, or you’re not sure, you should make a different claim you know you can back up. Remember that just because you buy parts from U.S. suppliers doesn’t necessarily mean those parts are made in the USA. Violations could cost you.  Companies that falsely label their products as Made in USA may have to pay civil penalties or other monetary relief. Imported products have different rules.  If your product is imported, look to U.S. Customs and Border Protection for information on how to label it, and make sure your advertisements are consistent with your labels. Ask for help if you need it.  Confused about how this all applies to your business?  Send us an email at  musa@ftc.gov . See something? Please say something . If someone isn’t playing by the rules, let us know at ReportFraud.ftc.gov . Despite what Miley Cyrus says, every day can’t be a party in the USA.  But, if you read the guidance and reach out when you need help, we know you’re going to be okay.","id":2839626},{"link":"https://www.ftc.gov/business-guidance/blog/2023/04/franchise-fundamentals-debunking-five-myths-about-buying-franchise","title":"Franchise Fundamentals: Debunking five myths about buying a franchise","id":2839627,"description":"Franchise Fundamentals: Debunking five myths about buying a franchise lfair April 21, 2023 | 1:49AM Franchise Fundamentals: Debunking five myths about buying a franchise By Lesley Fair For many people, buying a franchise has proven to be a good choice, but like any other financial decision, there is no one-size-fits-all answer to the question “Is a franchise right for me ?” Buying a franchise involves a major financial outlay and owning one often requires an “all in” lifestyle commitment. If you’re thinking about whether your future could be in a franchise, follow the FTC Business Blog for a series we’re calling Franchise Fundamentals . We’ll explore some of the factors to consider as you investigate franchise opportunities. The first topic: debunking myths and misconceptions about becoming a franchisee.    Image Myth #1:  Being a franchisee is the same as owning your own business.  Owning a franchise isn’t the same as being a business owner. In fact, the franchisor may control many aspects of your business – for example, your site location, your sales territory, the design of your retail establishment, and the products or services you can (and can’t) sell. Of course, the right franchisor may assist you with training and expertise, but that help comes with a price both in terms of finance and control. Myth #2:  Buying a franchise will give you “be your own boss” status.  After years of earning a salary, many prospective entrepreneurs look to franchise ownership as a way to exercise autonomy. Not so fast. Franchise agreements often give franchisors authority not only over big-picture decisions at the outset, but also over some day-to-day operations – how you can advertise, what your sign must look like, where you buy supplies, etc. If part of your motivation for considering a franchise is to live that “be your own boss” lifestyle, investigate thoroughly first. Myth #3:  Liking a company’s products is the best indicator that you’ll achieve success as a franchisee.  Successful franchisees often say it helps to like the product or service, but being a satisfied customer is no guarantee that a franchise is the right fit for you. Some franchises – say, auto repair or tax preparation – require technical expertise or special training. Are the skills you bring to the table a good fit for the franchise? And has your previous work experience given you the financial and management know-how essential for success?  Myth #4:  Owning a franchise is an excellent source of passive income.  Who unlocks the shop several hours before opening, turns off the lights at the end of a very long day, and is there in between to handle payroll, customer service, and maybe even routine maintenance? It’s often the franchisee. Even franchisees who choose to hire day-to-day managers will likely find that owning a franchise involves a major commitment of time, effort, and resources. That cruise-ship-and-golf-resort image some people have of franchise ownership just doesn’t square with reality. Myth #5:  Owning a franchise is a financial “sure thing.”  The only sure thing in franchising or any other business model is that there’s no such thing as a sure thing. Spending your nest egg for a national name isn’t a guarantee of success. Certainly, your skills and commitment factor into the equation, but so do a lot of variables beyond your control – demand for the product or service, competition, and local and national economic conditions, to name just a few. What’s more, under your franchise agreement, you may have to pay the franchisor even if you’re losing money. Those are just some of the intangibles to consider if you’re thinking about a franchise. Read  A Consumer’s Guide to Buying a Franchise  for more information. Here are the five posts in the the Franchise Fundamentals series:"},{"description":"Disclosures 101: New FTC resources for social media influencers lfair November 5, 2019 | 12:23PM Disclosures 101: New FTC resources for social media influencers By Lesley Fair Are you an influencer who works with brands to recommend or endorse products or services in social media? Or perhaps you’re an advertiser that uses influencers in your marketing. The FTC just issued a publication you need to know about: Disclosures 101 for Social Media Influencers . And that’s not all. To accompany the brochure, the FTC released a new video to help streamline influencers’ and advertisers’ efforts to stay on the right side of the law. The publication is new, but it breaks the compliance message down to the well-established basics. If you endorse a product or service through social media, your endorsement message should make it obvious when you have a relationship – a “material connection” – with the brand. What’s a “material connection”? It could be a personal, family, or employment relationship or a financial relationship – for example, if a brand pays you or gives you free or discounted products. Disclosures 101 for Social Media Influencers discusses when to disclose, how to disclose, and what else influencers need to know. It also answers questions on influencers’ minds: How does the disclosure requirement apply in pictures, videos, and live streams? What about tags, likes, and pins? What kind of wording effectively discloses a material connection? What about influencers who post from outside the United States? What if a person doesn’t have a relationship with a brand, but is just telling others about a product they bought and happen to like? Is it OK to assume a platform’s disclosure tool is good enough? (Spoiler alert: No, that’s not OK.) How can you use this new resource? Read the brochure. Disclosures 101 for Social Media Influencers is heavy on the specifics and light on the legal mumbo jumbo. Ten minutes is all it takes for influencers to understand the basics. If you work for an advertiser, PR firm, or agency that works regularly with influencers, get free copies from the FTC bulk order site to share with your team, use it to supplement your training efforts, and then monitor what influencers are doing on your behalf. Share what you know. Influencers and the brands that use them should want everyone to follow the same established truth-in-advertising standards. Tell your networks about the new publication and talk it up at industry events. Looking for more resources? Visit ftc.gov/influencers . Watch the video. To go along with the brochure, the FTC has produced a video that explains some compliance fundamentals. Use it as a training refresher.","id":2839618,"title":"Disclosures 101: New FTC resources for social media influencers","link":"https://www.ftc.gov/business-guidance/blog/2019/11/disclosures-101-new-ftc-resources-social-media-influencers"},{"id":2839619,"description":"Settlement with operator of post-secondary schools offers an education about lead generation lfair August 27, 2019 | 11:55AM Settlement with operator of post-secondary schools offers an education about lead generation By Lesley Fair Colleges are known for team sports, but it’s an unfortunate fact that consumer deception can be a team sport, too. A proposed FTC settlement with Career Education Corporation, American InterContinental University, Colorado Technical University, and related defendants alleges they used illegal game plans to lure consumers to their post-secondary and vocational schools. MVP “teammates” in the deceptive venture were lead generators who duped consumers into divulging personal information under false pretenses. Defendant CEC has operated numerous post-secondary and vocational schools currently attended by 35,000 students, primarily online. In addition to advertising its schools on radio and TV, on the internet, and in social media – promotions that often targeted members of the military – CEC used more than 70 lead generators, some of whom acquired leads by means of deception or illegal phone calls. If you followed the FTC’s settlement with Sun Key Publishing and related defendants , the tactics may sound familiar. For example, the Sun Key lead generators created webpages with URLs like army.com, air-force.com, or navyenlist.com that led consumers to conclude the sites had an official connection to military recruiting. Exploiting the misimpression they created, the lead generators got consumers to turn over personal data, which was then used by companies like CEC to pitch their schools. Lead generator Expand, Inc., also the subject of an FTC enforcement action , used a variation on the scheme. Expand targeted consumers looking for work, claiming to need their personal information to help them apply for “job postings.” But just as Sun Key used the deceptive cover of military recruiting to collect data, Expand donned the disguise of a job board. And CEC again used the data to sell its schools. Another CEC lead generator was Edutrek, a company the FTC has also sued for allegedly using bogus jobs and benefits sites to collect personal information from unsuspecting consumers. The FTC says CEC should have known that the leads had been acquired through deception. Just like every other company, it’s CEC’s responsibility to make sure it’s not profiting off of deception. This means that companies can’t just turn a blind eye to their lead generators’ practices. And the complaint says that CEC did – or didn’t do – much more than that. CEC didn’t alter the fundamentally deceptive misimpression that the sites were for military recruiting or employment. And the FTC alleges CEC even approved telemarketing scripts that included flat-out falsities – for example, scripts that told telemarketers to identify themselves in voicemail greetings as working at “Military Verification Services.” The complaint charges that the illegal tactics persisted during the calls. In some instances, CEC lead generators’ telemarketers continued the charade that they were affiliated with the military or potential employers. In addition, the FTC says they illegally called numbers on the National Do Not Call Registry CEC’s own in-house telemarketers engaged in illegal conduct, too. The lawsuit alleges they used high-pressure sales tactics to get consumers to enroll in its schools, even when the school didn’t offer the course of study the person wanted to pursue. And the calls were often relentless. The FTC says that CEC policy permitted its telemarketers to call the same consumer up to six times a day. In many instances, CEC placed hundreds of outbound autodialed calls to a single phone number. The complaint against CEC alleges violations of the FTC Act for numerous misrepresentations made by the company’s lead generators. In addition, the lawsuit challenges multiple violations of the Telemarketing","link":"https://www.ftc.gov/business-guidance/blog/2019/08/settlement-operator-post-secondary-schools-offers-education-about-lead-generation","title":"Settlement with operator of post-secondary schools offers an education about lead generation"},{"id":2839620,"description":"Help prepare your workforce for a weather emergency lfair May 30, 2019 | 11:12AM Help prepare your workforce for a weather emergency By Lesley Fair June 1st marks the start of hurricane season, but weather emergencies can happen anytime. The FTC encourages businesses to have a plan in place to safeguard your facilities, products, and data. And we’ve just introduced new resources aimed at helping you protect your workforce. Like your business, your employees need to prepare for extreme conditions – a task best undertaken when skies are sunny. Helping them formulate a personal plan can save lives and mitigate property losses. In addition, a resilient workforce makes it easier for your business to get back to business as soon as possible. The FTC’s new site, Dealing with Weather Emergencies , available at www.ftc.gov/weatheremergencies , has practical advice to help your staff prepare for the unexpected, spot the scams that often follow, and get back on their feet financially. What’s covered on the new site ? Everything from conducting a household inventory and stocking a secure grab-and-go box of essential documents to choosing a trusted out-of-town contact and managing money after an emergency. (We even link to tips on protecting the family pet.) Here are three ways your business can use these new resources: Share www.ftc.gov/weatheremergencies with your staff.   Telling your team “We care about your safety” is nice, but offering concrete resources shows what kind of company they work for. Spring for some snacks and sponsor a coffee break with a purpose. Enlist your HR expert to help your employees develop personal preparedness plans. Care for your community.   Are you active in local business organizations and community groups? Encourage them to take up the cause of preparedness. Use your social networks to share the FTC’s new advice with colleagues and customers. Be part of the solution.   If disaster strikes, use your standing in the business community to help people get back on their feet. We’ve put together a customizable one-page handout, Picking Up the Pieces after a Disaster , with key tips drawn from the FTC’s site. You can download the template, add local consumer protection and emergency service contacts, print copies, and distribute them. Maybe your company has weathered the storm of flooding, fires, hurricanes, etc. Based on your experience, what advice can you share with other businesses about preparing for emergencies?","link":"https://www.ftc.gov/business-guidance/blog/2019/05/help-prepare-your-workforce-weather-emergency","title":"Help prepare your workforce for a weather emergency"},{"title":"Recipe for a ROSCA violation","link":"https://www.ftc.gov/business-guidance/blog/2019/03/recipe-rosca-violation","id":2839621,"description":"Recipe for a ROSCA violation lfair March 7, 2019 | 12:20PM Recipe for a ROSCA violation By Lesley Fair From the FTC’s perspective, a certain pattern of online business has become a recipe for consumer injury . Start with a misleading “risk-free” trial offer. Add a hefty undisclosed charge if consumers don’t quickly cancel the “risk-free” trial. Cook up an undisclosed automatic shipment program that sends consumers unordered merchandise. Top with hard-to-follow upsells that add another layer of confusion . Fold in illegal charges to consumers’ credit or debit cards. Freeze out people who try to stop the unauthorized shipments and charges. Cover with straw owners to hide the defendants’ activities. It’s an unappetizing entrée that leaves consumers queasy . An d it’s a marketing scheme the FTC has challenged yet again – this time in a lawsuit against Puerto Rico-based Gopalkrishna Pai and eight companies he owns , alleging violations of the Restore Online Shoppers' Confidence Act (ROSCA) . The main ingredients in this case were online “risk-free” trials of skin care products sold in pairs – Vita Luminance and Regenelift, Derma Vibrance and Nuevoderm, Revived Youth Cream and Revived Youth Serum, and Aura Youth Cream and Aura Youth Serum. According to the FTC, the check-out pages led consumers to believe their credit cards would be billed just for a $4.95 shipping and handling fee. Below the large turquoise COMPLETE CHECKOUT button were two small line of grey type that said “Initially, just pay $4.95 for S&H today to fully evaluate Vita Luminance Cream for fourteen (14) days. We know that you’ll love your smooth, wrinkle free skin. You will receive your product within 5 business days.” But there was something buried even below the already hard-to-read fine print: a tiny “terms and conditions” hyperlink. Only by clicking on that obscure link would consumers learn that at the end of the 14- or 15-day trial period, the defendants would charge them the full price of the product – $90 or more – and enroll them in an auto-ship program with recurring charges until they cancelled. The FTC says the illegality didn’t end there. The defendants supersized the misleading deal during the check-out process by claiming to offer another “risk-free” trial of a second product that promised to “maximize your results” for another $4.95 shipping payment. But according to the FTC, that second offer came with the same strings attached, the same unauthorized credit card charges, and yet another undisclosed auto-ship progra m. The defendants said on their websites that consumers could cancel anytime by phone or email, but the FTC says that claim, too, was poco fiable – not reliable. In fact, m any of the customer service reps consumers reached spoke only Spanish and the recorded messages on some of the defendants’ phones were only in Spanish. Even if consumers were able to speak with an operator, the FTC says people often received only a partial refund or no refund at all and in many instances the onslaught of unordered merchandise continued. The complaint also alleges that , to get the merchant accounts he needed to process credit and debit card sales, defendant Pai used more than 100 phony names in an effort to camouflage his operation from payment processing entities and banks. One favorite trick: falsifying employer identification numbers to hide the fact that he was behind all of the accounts. According to the lawsuit, “By doing so, Pai shielded himself from consumer complaints and chargeback disputes related to sales processed through his LLCs’ merchant accounts, thereby evading detection from consumers, financial institutions, and law enforcement.” That wasn’t his only attempt to hoodwink the payment system. According to the complaint, Pai had “clean” sites he showed just to merchant processors – sites that differed markedly"},{"title":"Do you have a 2012, 2013, or 2014 VW Passat TDI?","link":"https://www.ftc.gov/business-guidance/blog/2018/11/do-you-have-2012-2013-or-2014-vw-passat-tdi","id":2839622,"description":"Do you have a 2012, 2013, or 2014 VW Passat TDI? lfair November 5, 2018 | 3:02PM Do you have a 2012, 2013, or 2014 VW Passat TDI? By Lesley Fair If you have a 2012, 2013, or 2014 Passat 2.0L TDI and got the approved emissions modification, Volkswagen has identified a potential problem with the “fix” it installed on your car that needs your immediate attention. If you have one of those vehicles but haven’t gotten the modification, you must make an important decision very soon. You’ll be getting a detailed letter in the mail from VW about this, but in the meantime, here are some key facts. In 2016 multiple government agencies and car owners sued Volkswagen , saying that the company installed “defeat devices” in 2.0L diesel cars that cheated on emissions testing. To settle the lawsuit, Volkswagen agreed to give car owners a choice: 1) VW would modify their cars to improve emissions, plus give them a cash payment; or 2) VW would buy back their cars. If you got the engine modification for your 2012, 2013, or 2014 Passat 2.0L TDI, here’s what you need to know. There’s a problem with Volkswagen’s “fix” on 2012-2014 Passats with the modification. When driving at higher speeds – typically over 80 miles per hour for 15 minutes or longer – Passats with the modification may not inject enough diesel exhaust fluid. The 15-minute period doesn’t have to be continuous and may add up over multiple trips. If you continue to drive at that speed, your dashboard warning light may come on, letting you know your emission system is malfunctioning. Later you may hear a warning chime. At some point, once you stop your car, it might not restart. What should Passat owners do if the warning light comes on? If the warning light comes on, visit your Volkswagen dealer as soon as possible. VW will turn the light off for free. Until you visit the dealer, don’t drive over 80 miles per hour. What should Passat owners do if the warning light hasn’t come on? For now, don’t drive over 80 miles per hour. How does Volkswagen plan to address this problem? Volkswagen is working on a free software update and will notify owners when it’s ready. Once you get the notice from VW, you can call your dealer to make an appointment for the software update or you can get the update when you bring your Passat in for any kind of service. But until you get the software update, keep your speed to under 80 mph. If you have a 2012, 2013, or 2014 Passat 2.0L TDI but haven’t gotten the engine modification, here’s what you need to know. You can still choose a buyback or early lease termination, rather than a modification. Even if you thought you might get the modification, there’s still time to change your mind and get the buyback or early lease termination instead. Call 1‑844‑98‑CLAIM by the date in the letter you get from VW to select the buyback or early lease termination. If you decide you still want the modification, wait until you hear from Volkswagen that the software update is available to fix the problem Volkswagen has reported. Here are answers to questions Passat owners may have. How can I get more information about the problem VW has reported with the engine modification? Call Volkswagen at 1-800-893-5298 or visit www.vw.com/contact . Will Volkswagen contact me directly? Yes. Watch your mail for a letter from Volkswagen. If you don’t get the letter within the next few days, call them at 1‑800‑893‑5298. Does the same problem happen to other 2.0L or 3.0L Volkswagens that have received the engine modification? Volkswagen reports that the problem only happens with 2012, 2013, and 2014 2.0L Passat TDIs that have the modification installed. How can I check if my VW is subject to this recall or any other recall? Visit www.vw.com/owners-recalls and enter your Vehicle Identification Number (VIN) into the Recall/Service Campaign Lookup Tool."},{"link":"https://www.ftc.gov/business-guidance/blog/2018/07/ftc-goes-used-car-shopping-test-drives-2300-vehicles","title":"FTC goes used car shopping, “test drives” 2300 vehicles","id":2839623,"description":"FTC goes used car shopping, “test drives” 2300 vehicles lfair July 12, 2018 | 11:03AM FTC goes used car shopping, “test drives” 2300 vehicles By Lesley Fair So we went used car shopping recently – the FTC and 12 other law enforcement agencies. We visited 94 dealerships in 20 cities across the country. Yes, we saw some low-mileage cream puffs, but that’s not what we were in the market for. We wanted to see if dealerships were displaying the revised Buyers Guide required as of January 28, 2018. The results proved interesting. According to the FTC’s Used Car Rule , dealers must display the Buyers Guide in the window of used cars. Consumers look to the Guide for important information to consider when used car shopping. After getting feedback from the public, the FTC announced amendments to the Used Car Rule in November 2016 and set January 28, 2018, as the effective date by which dealers had to display the revised Buyers Guide on all used vehicles they offer for sale. Among other things, the revised Buyers Guide: Adds a box that dealers can check to indicate if a vehicle is covered by a third-party warranty and if a service contract may be available; Adds a box to indicate that an unexpired manufacturer’s warranty applies; Adds air bags and catalytic converters to the list of major defects that may occur in used vehicles; Tells consumers about getting a vehicle history report and checking for open recalls; and Adds a statement in Spanish to the English-language Buyers Guide, advising Spanish-speaking consumers to ask for the Buyers Guide in Spanish if the dealer is conducting the sale in Spanish. The compliance sweep was conducted between April and June 2018 at dealerships in California, Florida, Illinois, New York, Ohio, Texas, and Washington. Inspectors found Buyers Guides on 70% of the more than 2,300 vehicles inspected. In almost half of those instances, it was the proper revised Buyers Guide. In other cases, it was the old version. Of the 94 dealerships inspectors visited, 33 had the revised Buyers Guide on more than half of their vehicles. And kudos to the 14 dealerships that had the revised Guide on all of their used cars. FTC staff sent letters to each dealership detailing the results of the inspection and offering resources to help them comply with the amended Rule. What’s the next step? In the coming weeks, inspectors will be returning to the dealerships that weren’t displaying the revised Buyers Guide. Given the potential civil penalty of $41,484 per violation, we hope to see the new Buyers Guide in the windows of all used cars. Compliance isn’t complicated. Dealers can find materials on the FTC’s portal for the auto industry : Buyers Guides: Guidance ; Buyers Guides: Fillable Forms ; Buyers Guides: Format Notes . For more information, read Answering Dealers’ Questions about the Revised Used Car Rule and the Dealer’s Guide to the Used Car Rule"},{"link":"https://bills.parliament.uk/bills/3865","title":"BBC Licence Fee Non-Payment (Decriminalisation for Over-75s) Bill","id":2839509,"description":"A Bill to de-criminalise the non-payment of the BBC licence fee by persons aged over seventy-five; and for connected"},{"description":"These Regulations are the second commencement Regulations made under the Automated Vehicles Act 2024 (c. 10) (“the Act”). They bring into force specified provisions of the","id":2839508,"title":"The Automated Vehicles Act 2024 (Commencement No. 2) Regulations 2026","link":"http://www.legislation.gov.uk/id/uksi/2026/437http://www.legislation.gov.uk/uksi/2026/437/madehttp://www.legislation.gov.uk/uksi/2026/437/made/data.xmlhttp://www.legislation.gov.uk/uksi/2026/437/made/data.rdfhttp://www.legislation.gov.uk/uksi/2026/437/made/data.aknhttp://www.legislation.gov.uk/uksi/2026/437/made/data.xhthttp://www.legislation.gov.uk/uksi/2026/437/made/data.htmlhttp://www.legislation.gov.uk/uksi/2026/437/made/data.htmhttp://www.legislation.gov.uk/uksi/2026/437/made/data.csvhttp://www.legislation.gov.uk/uksi/2026/437/made/data.pdfhttp://www.legislation.gov.uk/uksi/2026/437/contents/made"},{"link":"https://www.wto.org/english/news_e/news26_e/safe_mdg_17apr26_366_e.htm","title":"Madagascar launches safeguard investigation on certain juices, nectars and non-alcoholic beverages","description":"On 17 April 2026, Madagascar notified the WTO’s Committee on Safeguards that it had initiated on 15 April 2026 a safeguard investigation on imports of certain unfermented fruit juices and nectars, and non-alcoholic fruit-flavoured","id":2839079},{"id":2839080,"description":"On 17 April 2026, Madagascar notified the WTO’s Committee on Safeguards that it had initiated on 15 April 2026 a safeguard investigation on imports of certain tableware, kitchenware, and household and packaging articles, of","title":"Madagascar launches safeguard investigation on certain tableware, kitchenware, and household and packaging articles","link":"https://www.wto.org/english/news_e/news26_e/safe_mdg_17apr26_365_e.htm"},{"description":"Rectificatif n° 72-1327/SG/FP constatant l'avancement d’échelon, au titre de l’année 1972, du personnel des cadres territoriaux du Service de la Santé","id":2838935,"link":"https://www.journalofficiel.dj/texte-juridique/rectificatif-n-72-1327-sg-fp-constatant-lavancement-dechelon-au-titre-de-lannee-1972-du-personnel-des-cadres-territoriaux-du-service-de-la-sante-publique/","title":"Rectificatif n° 72-1327/SG/FP constatant l'avancement d’échelon, au titre de l’année 1972, du personnel des cadres territoriaux du Service de la Santé publique."},{"link":"https://www.journalofficiel.dj/texte-juridique/arrete-n-72-840-sg-cg-portant-creation-dun-emploi-de-directeur-adjoint-a-loffice-dapprovisionnement-des-magasins-temoins-et-nomination-a-cet-emploi/","title":"Arrêté n° 72-840/SG/CG portant création d’un emploi de directeur adjoint à l'Office d'Approvisionnement des magasins-témoins et nomination à cet emploi.","description":"Arrêté n° 72-840/SG/CG portant création d’un emploi de directeur adjoint à l'Office d'Approvisionnement des magasins-témoins et nomination à cet","id":2838936},{"description":"JORD SPÉCIAL n° 03 du 16/03/2026JORD SPÉCIAL n° 02 du 17/02/2026JORD n° 02 du 29/01/2026JORD SPÉCIAL n° 01 du 08/01/2026JORD n° 24 du","id":2838937,"link":"https://www.journalofficiel.dj/journal-officiel/n-03-du-16-03-2026/","title":"JORD SPÉCIAL n° 03 du 16/03/2026"},{"title":"Arrêté n° 40-426-1932 prescrivant le classement dans le domaine privé de l'Etat d une portion de terrain appartenant au domaine publie.","link":"https://www.journalofficiel.dj/texte-juridique/arrete-n-40-426-1932-prescrivant-le-classement-dans-le-domaine-prive-de-letat-d-une-portion-de-terrain-appartenant-au-domaine-publie/","id":2838938,"description":"Arrêté n° 40-426-1932 prescrivant le classement dans le domaine privé de l'Etat d une portion de terrain appartenant au domaine"},{"description":"Le Chef de l'Etat et Madame Chantal BIYA présents à la messe pontificale dite par le Pape Léon XIV à Yaoundé Rencontre historique entre le Président Paul BIYA et le Pape Léon XIV au Palais de l’Unité Discours de bienvenue de S.E.M. Paul BIYA au Pape Léon XIV - Yaoundé, le 15 avril 2026 Discours du Saint-Père lors de la rencontre avec les Autorités, la société civile et le Corps Diplomatique Loi N°2026/004 du 14 avril 2026 modifiant et complétant certaines dispositions de la loi N°2004/004 du 21 avril 2004 portant organisation et fonctionnement du Conseil Constitutionnel, modifiée et complétée par la loi N° 2012/015 du 21 décembre 2012 Loi N°2026/003 du 14 avril 2026 modifiant et complétant certaines dispositions de la loi N°2012/001 du 19 avril 2012 portant code électoral Loi N°2026/002 du 14 avril 2026 modifiant et complétant certaines dispositions de la Constitution du 02 juin 1972, modifiée et complétée par la loi N°96/06 du 18 janvier 1996 et la loi N°2008/001 du 14 avril 2008 Voyage apostolique de Sa Sainteté le Pape Léon XIV au Cameroun (15-18 avril","id":2838934,"title":"Loi N°2026/003 du 14 avril 2026 modifiant et complétant certaines dispositions de la loi N°2012/001 du 19 avril 2012 portant code électoral","link":"https://www.prc.cm/fr/actualites/actes/lois/8245-loi-n-2026-003-du-14-avril-2026-modifiant-et-completant-certaines-dispositions-de-la-loi-n-2012-001-du-19-avril-2012-portant-code-electoral"},{"title":"Loi N°2026/004 du 14 avril 2026 modifiant et complétant certaines dispositions de la loi N°2004/004 du 21 avril 2004 portant organisation et fonctionnement du Conseil Constitutionnel, modifiée et complétée par la loi N° 2012/015 du 21 décembre 2012","link":"https://www.prc.cm/fr/actualites/actes/lois/8246-loi-n-2026-004-du-14-avril-2026-modifiant-et-completant-certaines-dispositions-de-la-loi-n-2004-004-du-21-avril-2004-portant-organisation-et-fonctionnement-du-conseil-constitutionnel-modifiee-et-completee-par-la-loi-n-2012-015-du-21-decembre-2012","id":2838932,"description":"Le Chef de l'Etat et Madame Chantal BIYA présents à la messe pontificale dite par le Pape Léon XIV à Yaoundé Rencontre historique entre le Président Paul BIYA et le Pape Léon XIV au Palais de l’Unité Discours de bienvenue de S.E.M. Paul BIYA au Pape Léon XIV - Yaoundé, le 15 avril 2026 Discours du Saint-Père lors de la rencontre avec les Autorités, la société civile et le Corps Diplomatique Loi N°2026/004 du 14 avril 2026 modifiant et complétant certaines dispositions de la loi N°2004/004 du 21 avril 2004 portant organisation et fonctionnement du Conseil Constitutionnel, modifiée et complétée par la loi N° 2012/015 du 21 décembre 2012 Loi N°2026/003 du 14 avril 2026 modifiant et complétant certaines dispositions de la loi N°2012/001 du 19 avril 2012 portant code électoral Loi N°2026/002 du 14 avril 2026 modifiant et complétant certaines dispositions de la Constitution du 02 juin 1972, modifiée et complétée par la loi N°96/06 du 18 janvier 1996 et la loi N°2008/001 du 14 avril 2008 Voyage apostolique de Sa Sainteté le Pape Léon XIV au Cameroun (15-18 avril"},{"description":"Le Chef de l'Etat et Madame Chantal BIYA présents à la messe pontificale dite par le Pape Léon XIV à Yaoundé Rencontre historique entre le Président Paul BIYA et le Pape Léon XIV au Palais de l’Unité Discours de bienvenue de S.E.M. Paul BIYA au Pape Léon XIV - Yaoundé, le 15 avril 2026 Discours du Saint-Père lors de la rencontre avec les Autorités, la société civile et le Corps Diplomatique Loi N°2026/004 du 14 avril 2026 modifiant et complétant certaines dispositions de la loi N°2004/004 du 21 avril 2004 portant organisation et fonctionnement du Conseil Constitutionnel, modifiée et complétée par la loi N° 2012/015 du 21 décembre 2012 Loi N°2026/003 du 14 avril 2026 modifiant et complétant certaines dispositions de la loi N°2012/001 du 19 avril 2012 portant code électoral Loi N°2026/002 du 14 avril 2026 modifiant et complétant certaines dispositions de la Constitution du 02 juin 1972, modifiée et complétée par la loi N°96/06 du 18 janvier 1996 et la loi N°2008/001 du 14 avril 2008 Voyage apostolique de Sa Sainteté le Pape Léon XIV au Cameroun (15-18 avril","id":2838933,"link":"https://www.prc.cm/fr/actualites/actes/lois/8244-loi-n-2026-002-du-14-avril-2026-modifiant-et-completant-certaines-dispositions-de-la-constitution-du-02-juin-1972-modifiee-et-completee-par-la-loi-n-96-06-du-18-janvier-1996-et-la-loi-n-2008-001-du-14-avril-2008","title":"Loi N°2026/002 du 14 avril 2026 modifiant et complétant certaines dispositions de la Constitution du 02 juin 1972, modifiée et complétée par la loi N°96/06 du 18 janvier 1996 et la loi N°2008/001 du 14 avril 2008"},{"id":2838738,"description":"When third-party service providers are party to sensitive data lfair November 12, 2019 | 12:02PM When third-party service providers are party to sensitive data By Lesley Fair Entrepreneurs wear a lot of hats. In addition to marketing their products, they’re responsible for operational functions like inventory, ordering, and the protection of customer data. Rather than managing all that millinery, some businesses turn to third-party service providers to run things behind the scenes. But what steps are those companies taking to secure the confidential consumer information in their possession? That’s one issue raised by the FTC’s proposed settlement with Utah-based InfoTrax Systems . InfoTrax provides operations systems and online distributor tools for the direct sales industry. Multi-level marketers contract with InfoTrax to run their web portals. Through those portals, people register with MLMs as distributors, sign up new distributors, and place orders for themselves and for the consumers who buy from them. Those transactions involve large amounts of sensitive data – full names, credit and debit cards with expiration dates and three-digit CVV numbers, bank account data, Social Security numbers, user IDs and passwords, etc. Let’s be clear: We’re not talking about a name here or an account number there. By September 2016, InfoTrax stored personal information from approximately 11.8 million consumers. But according to the complaint, InfoTrax engaged in a series of data fails that created vulnerabilities on its network, weaknesses that allowed unauthorized access to confidential consumer information. Among other things, the FTC alleges that: InfoTrax failed to perform adequate code review and penetration testing to assess cyber risks; InfoTrax failed to take precautions to detect malicious file uploads; InfoTrax failed to adequately limit where on its network third parties could upload unknown files; InfoTrax failed to adequately segment its network to ensure that one client’s distributors couldn’t access another client’s data; InfoTrax failed to implement safeguards to detect suspicious activity – for example, the company didn’t have an effective intrusion detection system to spot questionable queries; didn’t use file integrity monitoring tools to determine when files had been altered, and didn’t regularly monitor for unauthorized attempts to transfer sensitive data from its network; InfoTrax stored confidential information, including Social Security numbers, credit and debit card numbers, user IDs, and passwords in clear, readable text; and InfoTrax didn’t have a systematic process for deleting consumers’ personal information it no longer had a business need to keep on its network. What happened as a result of those failures shouldn’t come as a surprise. According to the complaint, sometime in 2014 an intruder exploited security vulnerabilities on InfoTrax’s server and a client’s website to upload malicious code that gave the intruder remote access to data on InfoTrax’s network – something that was done a total of 17 times in a two-year period, all without InfoTrax spotting the problem. You’ll want to read the complaint for details, but the FTC alleges the intruder used multiple means to make off with highly sensitive financial information about InfoTrax’s clients and end consumers. Finally, on March 7, 2016, almost two years after the data thefts began, InfoTrax got an inkling of the multiple breaches. The tip-off came in the form of an alert that one of its servers had reached its maximum capacity, a warning the company received only because an intruder had created a data archive so massive that the disk ran out of space. The FTC says that only then did the company take steps to remove the intruder from its network. But even so, the intruder continued to grab data from InfoTrax’s server for a few more weeks. The complaint alleges that InfoTrax’s failure to employ reasonable data","link":"https://www.ftc.gov/business-guidance/blog/2019/11/when-third-party-service-providers-are-party-sensitive-data","title":"When third-party service providers are party to sensitive data"},{"description":"Five cases yield tips to help keep your company Privacy Shield-compliant lfair September 3, 2019 | 3:32PM Five cases yield tips to help keep your company Privacy Shield-compliant By Lesley Fair For businesses that choose to participate, the EU-U.S. Privacy Shield framework establishes a process to allow them to transfer consumer data from European Union countries to the United States in compliance with EU law. In return, companies must follow the framework’s requirements. The FTC has announced proposed settlements with companies that claimed to participate and yet failed to complete the steps necessary to get certification from the Department of Commerce, which administers the Privacy Shield framework . Another case raises an additional concern. Four companies – DCR Workforce , a Florida management software compan; Thru, Inc. , a California cloud-based file transfer software provider; LotaData , a San Francisco business that analyzes mobile users’ location information; and TrueFace.ai , a Santa Monica-based company that offers facial recognition and identity verification services – all claimed on their websites to be certified under Privacy Shield. But according to the FTC, they submitted applications, but didn’t finish the certification process. That rendered the statements on their sites false, in violation of the FTC Act. A fifth company – EmpiriStat , a Maryland-based business that provides support services for clinical trials – was once certified under Privacy Shield, but allowed its certification to lapse in 2018. And yet the company continued to say on its site that it “has certified to the Department of Commerce that it adheres to the Privacy Shield Principles.” What’s more, the complaint charges that EmpiriStat falsely claimed it complied with the Privacy Shield principles when, in fact, it failed to verify that its published policy regarding information received from the EU was accurate and completely implemented – something the framework requires companies to do annually. The FTC alleges the company also failed to abide by the Privacy Shield requirement that companies that stop participation in the framework affirm to the Department of Commerce that they’ll continue to apply Privacy Shield protections to personal information collected while they were in the program . Proposed settlements in all five cases prohibit misrepresentation about the extent to which the companies participate in any privacy or data security program sponsored by a government or any self-regulatory or standard-setting group. The EmpiriStat order also requires the company to: 1) continue applying Privacy Shield protections to personal information it collected while participating in the program; 2) protect the data by another means allowed by the framework; or 3) return or delete the information within 10 days of the order. Once the proposed settlements appear in the Federal Register, the FTC will accept public comments for 30 day s . What messages should companies take from the dozens of Privacy Shield cases the FTC has brought to date? The FTC means business when businesses make false statements about Privacy Shield participation. The FTC is committed to using the Section 5’s prohibition on deceptive practices to challenge misrepresentations about Privacy Shield participation. The program is voluntary, but if your company says it participates, you must live up to its requirements. Finish what you start. Whether it’s your golf swing or your company’s Privacy Shield application, it’s all in the follow-through. Don’t claim to participate in the framework until you’ve completed the application and have been certified by the Department of Commerce. Privacy Shield participation comes with continuing obligations. One important framework requirement is annual recertification. To keep your company on the right side of the law, put a recertification reminder on your calendar now. (Yes, now.) Furthermore, if you decide at a later date not to","id":2838739,"title":"Five cases yield tips to help keep your company Privacy Shield-compliant","link":"https://www.ftc.gov/business-guidance/blog/2019/09/five-cases-yield-tips-help-keep-your-company-privacy-shield-compliant"},{"title":"Two on the aisle for FTC’s “That’s the Ticket” workshop","link":"https://www.ftc.gov/business-guidance/blog/2019/06/two-aisle-ftcs-thats-ticket-workshop","id":2838740,"description":"Two on the aisle for FTC’s “That’s the Ticket” workshop lfair June 6, 2019 | 10:40AM Two on the aisle for FTC’s “That’s the Ticket” workshop By Lesley Fair Humphrey Bogart said it in “The African Queen” and it was a catchphrase popularized by Jon Lovitz on “Saturday Night Live.” But to the FTC, That’s the Ticket is the name of a June 11, 2019, workshop to explore consumer protection issues related to online ticket sales – and the agenda is out now. Consumers who try to buy tickets online to a concert, theatrical performance, or sporting event have often expressed frustration with the process. That’s the Ticket will bring together advocates, industry members, academics, and law enforcers to explore the topic from the consumer’s perspective. FTC Commissioner Slaughter will open the event at 9:30 ET. Next on the agenda: Professor Eric Budish from the University of Chicago’s Booth School of Business, who will share his insights into the issues. The first panel will explore Bots and the BOTS Act . Passed in 2016, the Better Online Ticket Sales Act makes it illegal to “circumvent a security measure, access control system, or other technological control or measure on an Internet website or online service that is used by the ticket issuer to enforce posted event ticket purchasing limits or to maintain the integrity of posted online ticket purchasing order rules.” The next panel will address Other Consumer Protection Issues Around Ticket Availability . After a mid-day break, the topic will turn to The Adequacy of Ticket Price and Fee Disclosures . Do consumers have accurate information about how much they’ll be charged? The last panel of the afternoon will consider Consumer Confusion: What and From Whom Am I Buying? Do buyers have a clear picture of what they’re getting and the identity of the seller? Mary Engle, Director of the FTC’s Division of Advertising Practices, will offer closing remarks. Ironically enough, you don’t need a ticket to attend That’s the Ticket , which will take place on June 11th at the FTC’s Constitution Center conference facility, 400 7th Street, S.W., in Washington, DC. The event is free and open to the public or you can watch via webcast, which will go live moments before the 9:30 ET starting time on the That’s the Ticket event page. We’ll also live tweet using the hashtag #FTCticket.    "},{"title":"Venmo settlement addresses availability of funds, privacy practices, and GLB","link":"https://www.ftc.gov/business-guidance/blog/2018/02/venmo-settlement-addresses-availability-funds-privacy-practices-glb","id":2838741,"description":"Venmo settlement addresses availability of funds, privacy practices, and GLB lfair February 27, 2018 | 12:06PM Venmo settlement addresses availability of funds, privacy practices, and GLB By Lesley Fair Advances in payment methods could end those open-wallet debates about who owes what for the pizza. But as innovative technologies change how people pay for things, established consumer protection principles apply. An FTC complaint against peer-to-peer payment service Venmo – now operated by PayPal – alleges that the company failed to disclose material information about the availability of consumers’ funds. In addition, the lawsuit challenges aspects of the company’s privacy and security practices. A proposed settlement in the case requires Venmo to make clear disclosures about certain business practices. How Venmo works . When consumers download the Venmo app, they create an account connected to their bank account or credit or debit card. They can receive money from other Venmo users, transfer money to them, or transfer some or all of their Venmo balance to their bank account. So let’s say a Venmo user wants to pay another user $10 for that pizza or to get the other person to kick in their $10 share. To initiate a transaction, he or she either sends money to the other user or submits a “charge request” that asks the person to pay. Users must include a short message with each transaction. Within seconds, the recipient gets a notification about the transaction. The language changed over time, but Venmo typically said things like “Money credited to your Venmo balance. Transfer to your bank overnight” or someone “paid $[X] to your Venmo balance [description of transaction.] – Leave it in Venmo or transfer it to your bank account.” Venmo’s transfer policies . According to the complaint , the company’s representations led many consumers to believe that when they received payment notifications from Venmo, the funds were ready to be transferred to their bank account. But that wasn’t the case. The complaint alleges that in many instances, consumers weren’t able to transfer funds as promised. That’s because Venmo waited until a consumer attempted to transfer funds to his or her external bank account to review the transaction for fraud, insufficient funds, or other problems. For many consumers, once Venmo undertook that review, it resulted in delaying the transfer or even reversing the transaction altogether. Those delays and losses led thousands of consumers to complain to Venmo. Many people reported that the company’s practices resulted in significant financial hardship – for example, not being able to pay their rent even though it appeared they had enough in their Venmo account to cover it. The complaint alleges that even in the face of mounting consumer complaints, Venmo continued to claim – without any qualifiers – that once money was credited to consumers’ Venmo accounts, users could transfer it to their bank accounts. The FTC alleges that Venmo’s failure to adequately disclose to consumers that funds could be frozen or removed from their accounts was deceptive. Venmo’s privacy practices . Consumers’ access to funds wasn’t the FTC’s only concern. By default, all peer-to-peer transactions on Venmo are displayed on Venmo’s social news feed. That includes the names of the payer and the recipient, and the accompanying message. In addition, each Venmo user has a profile page that lists their Venmo transactions. By default, their five most recent ones were visible to anyone on that page, including visitors who don’t have a Venmo account. (People without an account could still see a user’s Venmo account either by clicking on a link to the user’s Venmo profile page or by using a search engine.) Consumers who didn’t want to share their transactions could go to a Venmo menu to edit their privacy settings. By changing the “Default Audience"},{"link":"https://www.ftc.gov/business-guidance/blog/2018/11/telegram-moneygram-stop-fraud-pay-again","title":"Telegram to MoneyGram: Stop fraud. And pay up. Again.","description":"Telegram to MoneyGram: Stop fraud. And pay up. Again. chundycz November 8, 2018 | 3:34PM Telegram to MoneyGram: Stop fraud. And pay up. Again. By Michael Atleson If you run a business that offers people a way to send money to other people, you may want to pay attention to whether your service is catering to fraudsters. It’s an important message because, for many years, money transfers have been a preferred payment method for scammers, who know that they can pick up the cash and disappear. And it’ s a message some companies apparently need to hear twice. Back in 2009, the FTC sued MoneyGram for failing to address fraud-induced money transfers in its system. It’s a big system: MoneyGram offers its services to consumers worldwide through a network of agent locations – currently numbering about 350,000. And it was a lot of fraud: more than $84 million in consumer losses from 2004 to 2008. The FTC charged that MoneyGram knew its system was being used for fraud but did very little about it, and that some agents actually participated in the fraud. In 2017, we brought a case against MoneyGram’s main competitor, Western Union , which paid $586 million to settle very similar charges. For a 2018 encore, we’ve dragged MoneyGram back to the stage, this time for failing to live up to its end of the deal it struck in 2009. That settlement required MoneyGram to beef up its anti-fraud measures, such as by: (1) implementing a comprehensive anti-fraud program to protect consumers; (2) conducting due diligence on prospective agents; (3) investigating problematic agents and disciplining or terminating them as appropriate; and (4) sharing consumer complaints with the FTC. Which of those things did MoneyGram fail to accomplish fully? All of them, says the FTC. As a result, scammers kept using MoneyGram’s system to collect millions of dollars from victims. You can read more about it in the FTC’s new court filing , but here are a few glaring examples: Its electronic system for spotting and blocking fraud-induced transfers suffered serious technical problems for a year and a half, resulting in even greater consumer losses. It hired agents who had been terminated from Western Union for their role in fraud-induced money transfers. It didn’t properly investigate or discipline agents who were responsible for high volumes of fraud complaints. In fact, MoneyGram had different standards for when to take disciplinary action against large “chain” agents with 10 or more locations, allowing the company to focus its disciplinary efforts instead on lower-volume “mom and pop” agents. It didn’t record all of the consumer complaints it received and didn’t share all of the complaints it did record with the FTC. Even without a sophisticated – and fully operable -- anti-fraud system, the fraud in MoneyGram’s system was not exactly hidden from its view. The FTC’s court filing says that “[i]nformation contained in MoneyGram’s own records demonstrates that it has been aware for years of high levels of fraud and suspicious activities involving particular agents.” Annual consumer fraud complaints to MoneyGram more than doubled between 2012 to 2016. These complaints were also highly concentrated: in the last five-plus years, under 4% of MoneyGram’s agents received five or more fraud complaints, but those agents accounted for over 84% of all fraud complaints. Now MoneyGram has committed, in a revised order, to address its deficiencies and improve its anti-fraud program. It will need to block transfers of known fraudsters and provide refunds to people when agents haven’t complied with applicable policies and procedures. It will also pay $125 million in refunds to consumers who used MoneyGram to pay a scammer. (We should note that, in this matter as well as the past action against Western Union, the FTC was joined by the Department of Justice, which resolved parallel criminal actions.) When people send money using a money transfer","id":2838742},{"id":2838743,"description":"FTC, Florida AG to small business: Scrutinize “o-fishy-al” invoices lfair July 30, 2018 | 11:05AM FTC, Florida AG to small business: Scrutinize “o-fishy-al” invoices By Lesley Fair If it looks like a duck and quacks like a duck, it’s probably a duck. But the same can’t be said for a mailer that looks like an official invoice. It could be an “o- fishy -al” offer that deceptively mimics the appearance of a government document. A case filed by the FTC and the Florida Attorney General challenges the practice of sending mailers that allegedly create the false impression that small businesses are required to buy labor regulation posters from the sender. Consider what defendants Starwood Consulting, also doing business as Corporate Compliance Services, and company president Thomas Henry Fred, Jr., sent to small businesses. The mailers – which include a Washington, D.C., 202 area code – are titled “LABOR LAW COMPLIANCE REQUEST FORM” and include the warning “Failure to comply with posting regulations can lead to fines up to $17,000.” The mailers include a “Business ID” and instruct recipients to respond by a certain date. Small businesses can’t miss the purported consequences of ignoring the letter: Your business is required by federal law to post a current compliant labor law poster in the workplace. Federal law requires that this poster be placed on the property of the business. Whether you have 1 employee or 1,000 you must post current employment posters in the workplace. The poster must also include information about workers compensation benefits. Pursuant to federal law 29 USC Sec. 999(i) & 29 USC Sec. 2005 penalties and risks of non-compliance with posting regulations can lead to potential fines of $17,000 per instance, for failing to post federally required information. Further, lawsuits can be tolled based on failing to display mandatory posters. . . . To obtain your Federal employment labor law poster, please detach the above coupon and return it in the enclosed envelope with your document processing fee of $84.00. The mailer continues: “IMPORTANT! FOLLOW INSTRUCTIONS EXACTLY WHEN COMPLETING THIS FORM.” Those instructions include directions to detach the “payment coupon,” return it with the “document fee” of $84, and keep the bottom portion as the “official receipt.” The enclosed return envelope is addressed to “Corporate Compliance Services, Compliance Processing Center.” That’s a description of the mailer, but here are the facts, according to the FTC and the AG. First, the mailer isn’t from a government entity or affiliate. Starwood Consulting and its d/b/a Corporate Compliance Services are private companies in the business of selling those posters. In addition, despite the 202 area code, the defendants have no operations in Washington and posters similar to the ones the defendants peddle are available for free from the U.S. Department of Labor. What about those statutory provisions referring to “potential fines of $17,000 per instance”? In fact, neither of those citations has anything to do with labor posters. 29 U.S.C. § 999(i) refers to repealed provisions of the Young Adult Conservation Corps and 29 U.S.C. § 2005 addresses the Employee Polygraph Protection Act. According to the complaint , recipients of the mailer are often small businesses that have recently incorporated or established limited liability companies. What’s more, some businesses say they never received the posters they paid for. Others report they got second notices that they had to pay another $84 fee to get an updated poster. Despite a small “disclaimer” at the bottom of the reverse side of the mailer that “[t]his offer serves as a solicitation and not to be intended as a bill due,” the FTC and the AG say that business owners were misled and filed more than 250 complaints about the company. (According to the Better Business","title":"FTC, Florida AG to small business: Scrutinize “o-fishy-al” invoices","link":"https://www.ftc.gov/business-guidance/blog/2018/07/ftc-florida-ag-small-business-scrutinize-o-fishy-al-invoices"},{"title":"First INFORM Consumers Act enforcement case filed against online marketplace Temu","link":"https://www.ftc.gov/business-guidance/blog/2025/09/first-inform-consumers-act-enforcement-case-filed-against-online-marketplace-temu","description":"First INFORM Consumers Act enforcement case filed against online marketplace Temu kkrown September 5, 2025 | 10:00AM First INFORM Consumers Act enforcement case filed against online marketplace Temu Online marketplaces and third party sellers looking for a refresher on the INFORM Consumers Act should look no further than the recent settlement with Whaleco, Inc., which operates the online marketplace Temu. The complaint alleges the company failed to provide online shoppers with required information and tools. This is the first case brought to enforce the INFORM Act. The INFORM Act, which went into effect in 2023, seeks to make online transactions more transparent. Among other things, the law requires online marketplaces to collect, verify, and disclose certain information about high-volume third party sellers. ( Informing Businesses about the INFORM Consumers Act  has more on how the law defines terms, what’s required of online marketplaces, and the substantial penalties the FTC and state law enforcers may seek if online marketplaces violate the law.) In 2022, Temu launched its online marketplace in the United States, where consumers can view product listings on Temu’s homepage, through search results, and in gamified shopping experiences on the platform. According to the complaint, Temu violated the INFORM Act by failing to offer a mechanism for consumers to report suspicious activity — electronically and by phone — on the gamified product listings of many high-volume third party sellers and by failing to offer a telephonic mechanism on non-gamified product listings. The complaint also alleges that Temu did not post required identifying information about sellers on its gamified product listings or mobile site, and that Temu’s disclosures, when made, were difficult to find. According to the settlement, Temu will pay a $2 million civil penalty, provide a telephonic mechanism for consumers to report suspicious activity on listings, and make other required disclosures. Is your business covered by the INFORM Act? Make sure you:  Review the provisions of the INFORM Act thoroughly . Make sure you fully understand — and have measures in place to comply with — each of its requirements. Make required disclosures easy for consumers to notice . Required disclosures should stand out from any surrounding material and use plain language. Minimize or eliminate steps consumers need to take to reach required disclosures. Ensure required disclosures are available across all iterations of your platform . The INFORM Act mandates disclosures on all interfaces with product listings. And as your platforms evolve, regularly assess and update your compliance efforts. If your business sells through online platforms, check out  What Third Party Sellers Need to Know About the INFORM Consumers Act . This covers what sellers are impacted by the INFORM Act, what you can expect online platforms to require of you, and what information platforms must disclose about you to consumers. It also answers some questions you may have about the law. And if you spot a violation of the INFORM Act, r­eport it to the FTC using this  dedicated link","id":2838744},{"link":"https://www.ftc.gov/business-guidance/blog/2020/06/ftc-wants-your-feedback-about-proposed-made-usa-rule","title":"FTC wants your feedback about proposed Made in USA Rule","id":2838735,"description":"FTC wants your feedback about proposed Made in USA Rule lfair June 22, 2020 | 4:04PM FTC wants your feedback about proposed Made in USA Rule By Lesley Fair If your clients are interested in Made in USA issues – and you know they are – there are two developments at the FTC they need to know about. First, the FTC just announced a Notice of Proposed Rulemaking for a Made in USA Labeling Rule . You’ll want to read the notice in detail, but the proposed Rule would apply to labels on products that make unqualified Made in USA claims. (In FTC parlance, an “unqualified” claim is a broad representation made without limitations.) The proposed Rule would incorporate established guidance already set forth in FTC decisions and orders and in the agency’s 1997 Enforcement Policy Statement on U.S. Origin Claims . Consistent with that guidance, the proposed Rule would prohibit marketers from making unqualified MUSA claims on labels unless: Final assembly or processing of the product occurs in the United States; All significant processing that goes into the product occurs in the United States; and All or virtually all ingredients or components of the product are made and sourced in the United States. The proposed Rule wouldn’t change or affect any other existing federal or state law or regulation relating to country-of-origin labels, but it suggests one notable modification: The proposed Rule would allow the FTC to seek civil penalties for violations. Once the proposed Rule is published in the Federal Register, we invite you to file a public comment either online or on paper. (Thanks for following the instructions for submitting comments included in the notice of proposed rulemaking.) Development #2 is that the FTC just issued a staff report on last fall’s Made in USA workshop convened to consider consumer perception of Made in USA claims and to discuss the agency’s Made in USA enforcement program. Dive into the report for the details, but according to the one panelist who provided survey evidence on how consumers understand Made in USA claims, a 2013 study suggests that almost 3 in 5 Americans agree that “Made in America” means that all parts of a product, including any natural resources it contains, originated in the United States. According to that same study, one third of consumers believe that 100% of a product must originate in a country for it to be called “made” in that country. The report cites those statistics in support of long-standing guidance in the FTC’s Enforcement Policy Statement on U.S. Origin Claims that at least a significant minority of consumers are likely to be deceived by an unqualified Made in USA claim for a product incorporating more than a trivial amount of foreign content."},{"description":"New FTC warning letters cite unsupported Coronavirus-related health and earnings claims sgressin April 24, 2020 | 12:44PM New FTC warning letters cite unsupported Coronavirus-related health and earnings claims By Seena Gressin The FTC is not the pen pal you want if you operate a multi-level marketing company but aren’t closely monitoring your distributors. In its latest round of warning letters, the FTC warns ten MLM companies that they are responsible for the claims made by their participants. The letters direct the companies to report within 48 hours what actions they’ve taken to stop their distributors from claiming their products can treat or prevent Coronavirus disease, that MLM business opportunity participants are likely to earn substantial income, or both. The FTC says that the health and earnings claims are unsubstantiated and therefore violate truth-in-advertising laws. The products at issue are not scientifically proven to treat or prevent COVID-19, the disease that Coronavirus causes. The FTC previously has sent warning letters to companies about their Coronavirus-related health claims, but the new letters are the first to also target claims about potential business opportunity earnings. The letters come at a time when millions of people are out of work and facing financial challenges as a result of the pandemic. MLM companies rely on a network of independent distributors, sometimes called business opportunity participants, to buy and resell their products, often through direct person-to-person sales or online. MLMs typically offer participants a cut of the sales made by people the participant recruits to invest in the business opportunity. The new recruits then try to sell the products, and try to recruit more people to do the same. Most people who join MLMs make little or no money. According to the FTC, distributors of the MLM companies receiving the letters have posted promotional messages on Facebook, Instagram, and other social media sites. Health claims the FTC letters cite include: “STAY SAFE!! MAKE YOUR IMMUNE SYSTEM STRONG!!!” Standard coronavirus protection kit . #antiseptics and #immunity_support.” “HOW WILL YOU FIGHT OFF CORONA? USE NUTRABURST-CHAGA- .... #coronacure #coronaprevention ... #immunesupport #immunebooster ... #immunesystembooster” “Got the coronavirus heebeegeebees? Boost your immunity with this amazing deal!!!!” “... If interested to learn more or obtain oils or rollers Let me know A little extra protection can help #doterra #NursesCOVID19 #Dialysis #ImmunityBoosters #ImproveRespiratoryFunction” Earnings claims the FTC letters cite include: “...Living in quarantine and where 14 million people applied for unemployment just last week ... I’ll stick with the opportunity to change people’s lives ... turn a small investment into six figures .... #arbonne ... #quarantine #2020” “Need to make extra money? Find it difficult to pay your bills? Were you laid off/ #fired? Be your own Boss w/doTERRA essential oils. Msg me to achieve financial independence #laidoff #unemployed #cantpaymybills #cantpaymyrent #student #sales #sidehustle #makemoney #stayathomemom.” “[E]veryone’s getting stimulus checks right now... There is no better investment you could do... Take that money that you’re about to get back... figure out a way to make this happen tonight.” In the letters alleging unsubstantiated health claims, FTC staff reminds the companies that, under the FTC Act, claims that a product can prevent, treat, or cure a serious disease require the support of well-controlled human clinical studies. Because “no such study is currently known to exist” for the advertised products, the FTC says the companies “must immediately cease making all such claims.” In the letters alleging deceptive earnings claims, FTC staff reminds the companies that under the FTC Act, “claims about the potential to achieve a wealthy lifestyle, career-level income, or significant","id":2838736,"link":"https://www.ftc.gov/business-guidance/blog/2020/04/new-ftc-warning-letters-cite-unsupported-coronavirus-related-health-earnings-claims","title":"New FTC warning letters cite unsupported Coronavirus-related health and earnings claims"},{"id":2838737,"description":"FTC challenges Online Trading Academy’s money-making claims lfair February 12, 2020 | 4:35PM FTC challenges Online Trading Academy’s money-making claims By Lesley Fair Ads for health products often target Boomer Consumers, but those aren’t the only claims pitched to people looking toward retirement. An FTC action alleges a company called Online Trading Academy has taken in more than $370 million by gearing its deceptive representations to that demographic. In addition, the complaint alleges violations of the Consumer Review Fairness Act. According to the FTC, the California-based operation, related companies, and three individual defendants advertise a “patented strategy” that consumers can apply “to any asset class including stocks, options, futures and currencies” to rake in big money. They claim their “training programs” – with price tags as high as $50,000 – will teach consumers how to “invest like the pros on Wall Street.” ”No matter your experience and goals,” people were told the defendants’ “proven” strategy was “designed to make money in any market, whether it’s going up or down.” The complaint recounts the process the defendants use to attract consumers through TV and radio ads, online promotions, and direct mail. First comes an in-person “preview” seminar. Next, people pay $299 for a three-day “orientation.” That’s where the defendants urge attendees to sign up for seminars costing thousands more. The defendants assign each attendee an “Education Counselor” – a/k/a salesperson working on commission – who follows up by phone or email. According to the complaint, the defendants train their Education Counselors not to “look like, act like or sound like, a traditional salesperson,” but instead to take on a “role” and lead consumers through “The Pain Funnel,” Q&A designed to overcome consumer qualms. To get people to sign up for more seminars, the defendants routinely offer to finance all or part of the cost with loans at 18%, with the promise to forgive the interest if the consumer pays the total off within six months. The FTC says that in some instances, the defendants lead buyers to believe they’ll be able to repay the loan quickly with money they’ll make using that “patented strategy.” So how much does Online Trading Academy say consumers will earn? A central theme of their pitch is “You don’t have to work on Wall Street to make money like Wall Street.” Infomercials feature purchasers claiming that “in three hours I made $12,000” or “I made $32,000 in less than seven trading days.” In a YouTube video, a retiree says he made “$40,000 in a single trade.” In addition, a speaker at a live event claimed consumers “could potentially make $50,000 of annual income with an account size as low as $5,000” because Online Trading Academy has “a patent on the fact that you can time the markets,” which “gives us the ability to know when to get in and when to get out, long-term and short-term.” Other speakers – including some of the named defendants – paint a picture of lavish lifestyles filled with international travel, a “super luxury car” every year, and homes in areas where kids have “live-in nannies, cooks, gardeners.” One speaker said the money he made using Online Trading Academy’s strategy allows him to live in an enclave so exclusive that a neighbor, a renowned Olympic gold medalist, taught his daughter to swim. But the facts paint a different picture. The FTC alleges the defendants don’t systematically collect data sufficient to substantiate their earnings claims. But even the evidence they do have gave them good reason to know their representations are deceptive. For starters, according to the FTC, the defendants know that few consumers who","link":"https://www.ftc.gov/business-guidance/blog/2020/02/ftc-challenges-online-trading-academys-money-making-claims","title":"FTC challenges Online Trading Academy’s money-making claims"},{"link":"https://bills.parliament.uk/bills/4022","title":"Northern Ireland Troubles Bill","id":2838453,"description":"A Bill to make new provision to address the legacy of the Northern Ireland"},{"link":"https://bills.parliament.uk/bills/4030","title":"Railways Bill","description":"A Bill to make provision about railways and railway services; and for connected","id":2838454},{"id":2838449,"title":"The Air Navigation (Restriction of Flying) (Glasgow) Regulations 2026","link":"http://www.legislation.gov.uk/id/uksi/2026/432http://www.legislation.gov.uk/uksi/2026/432/madehttp://www.legislation.gov.uk/uksi/2026/432/pdfs/uksi_20260432_en.pdfhttp://www.legislation.gov.uk/uksi/2026/432/contents/made"},{"id":2838450,"link":"http://www.legislation.gov.uk/id/uksi/2026/433http://www.legislation.gov.uk/uksi/2026/433/madehttp://www.legislation.gov.uk/uksi/2026/433/pdfs/uksi_20260433_en.pdfhttp://www.legislation.gov.uk/uksi/2026/433/contents/made","title":"The Air Navigation (Restriction of Flying) (Finchley) Regulations 2026"},{"description":"This Order provides approval for seven highway authorities to require the payment of charges in accordance with the Lane Rental Schemes set out in article 2 (“the Schemes”) for certain street works carried out in the","id":2838451,"title":"The Street Works (Charges for Occupation of the Highway) Order 2026","link":"http://www.legislation.gov.uk/id/uksi/2026/424http://www.legislation.gov.uk/uksi/2026/424/madehttp://www.legislation.gov.uk/uksi/2026/424/made/data.xmlhttp://www.legislation.gov.uk/uksi/2026/424/made/data.rdfhttp://www.legislation.gov.uk/uksi/2026/424/made/data.aknhttp://www.legislation.gov.uk/uksi/2026/424/made/data.xhthttp://www.legislation.gov.uk/uksi/2026/424/made/data.htmlhttp://www.legislation.gov.uk/uksi/2026/424/made/data.htmhttp://www.legislation.gov.uk/uksi/2026/424/made/data.csvhttp://www.legislation.gov.uk/uksi/2026/424/made/data.pdfhttp://www.legislation.gov.uk/uksi/2026/424/contents/made"},{"id":2838452,"title":"The Air Navigation (Restriction of Flying) (Epsom) Regulations 2026","link":"http://www.legislation.gov.uk/id/uksi/2026/423http://www.legislation.gov.uk/uksi/2026/423/madehttp://www.legislation.gov.uk/uksi/2026/423/pdfs/uksi_20260423_en.pdfhttp://www.legislation.gov.uk/uksi/2026/423/contents/made"},{"description":"These Regulations amend Schedule 4 to the Investigatory Powers Act 2016 (c. 25). Schedule 4 sets out the public authorities, other than local authorities, who may exercise powers under Part 3 of that Act to obtain communications data (“communications data” is defined in section 261(5) of that Act). It sets out the requirements for authorisations for obtaining communications data, including: the relevant statutory purposes, the types of communications data, the kinds of senior officer capable of providing an authorisation and the circumstances in which they can provide an","id":2838447,"title":"The Investigatory Powers (Communications Data) (Relevant Public Authorities) Regulations 2026","link":"http://www.legislation.gov.uk/id/uksi/2026/426http://www.legislation.gov.uk/uksi/2026/426/madehttp://www.legislation.gov.uk/uksi/2026/426/made/data.xmlhttp://www.legislation.gov.uk/uksi/2026/426/made/data.rdfhttp://www.legislation.gov.uk/uksi/2026/426/made/data.aknhttp://www.legislation.gov.uk/uksi/2026/426/made/data.xhthttp://www.legislation.gov.uk/uksi/2026/426/made/data.htmlhttp://www.legislation.gov.uk/uksi/2026/426/made/data.htmhttp://www.legislation.gov.uk/uksi/2026/426/made/data.csvhttp://www.legislation.gov.uk/uksi/2026/426/made/data.pdfhttp://www.legislation.gov.uk/uksi/2026/426/contents/made"},{"link":"http://www.legislation.gov.uk/id/uksi/2026/427http://www.legislation.gov.uk/uksi/2026/427/madehttp://www.legislation.gov.uk/uksi/2026/427/made/data.xmlhttp://www.legislation.gov.uk/uksi/2026/427/made/data.rdfhttp://www.legislation.gov.uk/uksi/2026/427/made/data.aknhttp://www.legislation.gov.uk/uksi/2026/427/made/data.xhthttp://www.legislation.gov.uk/uksi/2026/427/made/data.htmlhttp://www.legislation.gov.uk/uksi/2026/427/made/data.htmhttp://www.legislation.gov.uk/uksi/2026/427/made/data.csvhttp://www.legislation.gov.uk/uksi/2026/427/made/data.pdfhttp://www.legislation.gov.uk/uksi/2026/427/contents/made","title":"The Charities Acts 1992 and 2011 (Substitution of Sums) Order 2026","description":"This Order amends the Charities Act 1992 (c. 41) (“the 1992 Act”), the Charities Act 2011 (c. 25) (“the 2011 Act”) and the Charities Act 2011 (Group Accounts) Regulations 2015 (S.I. 2015/322) by substituting the sums specified in the Order. The effect of the Order is to increase the financial thresholds which trigger some of the regulatory requirements applying to","id":2838448},{"id":2838220,"description":"Du 15 au 17 avril 2026, la Conférence de haut niveau sur l'universalisation de la Cour permanente d'arbitrage (CPA) et de la Conférence de La Haye de droit international privé (HCCH) s'est tenue à Dakar (Sénégal). Elle a réuni plus de 65 participants représentant 17 États et cinq organisations intergouvernementales, dont les Secrétaires Généraux des deux organisations. La conférence a rassemblé des ministres et de hauts","link":"https://www.hcch.net/fr/news-archive/details/?varevent=1147","title":"Conférence de haut niveau sur l’universalisation de la PCA et de la HCCH"},{"id":2837460,"description":"Décision n° 53-466-1935 Affectation","link":"https://www.journalofficiel.dj/texte-juridique/decision-n-53-466-1935-affectation-speciale/","title":"Décision n° 53-466-1935 Affectation spéciale."},{"id":2837461,"description":"Décret n° 52-1364 relatif au cumul de rémunération des comptables supérieurs et du personnel du cadre des trésoreries des Territoires","link":"https://www.journalofficiel.dj/texte-juridique/decret-n-52-1364-relatif-au-cumul-de-remuneration-des-comptables-superieurs-et-du-personnel-du-cadre-des-tresoreries-des-territoires-doutre-mer/","title":"Décret n° 52-1364 relatif au cumul de rémunération des comptables supérieurs et du personnel du cadre des trésoreries des Territoires d'Outre-Mer."},{"id":2837462,"description":"Arrêté n° 2006-0146/PR/MAEM portant approbation des comptes prévisionnels pour l’année 2006 de l’Office National des Eaux de Djibouti","title":"Arrêté n° 2006-0146/PR/MAEM portant approbation des comptes prévisionnels pour l’année 2006 de l’Office National des Eaux de Djibouti (ONED).","link":"https://www.journalofficiel.dj/texte-juridique/arrete-n2006-0146-pr-maem-portant-approbation-des-comptes-previsionnels-pour-lannee-2006-de-loffice-national-des-eaux-de-djibouti-oned/"},{"title":"Arrêté n° 19-460-1935 rapportant les arrêtés n° 158 du 9 mars 1934 et n° 860 du 9 décembre 1934 réglementant la surveillance par le chef des Bureaux du Secrétariat général des services financiers de la colonie.","link":"https://www.journalofficiel.dj/texte-juridique/arrete-n-19-460-1935-rapportant-les-arretes-n-158-du-9-mars-1934-et-n-860-du-9-decembre-1934-reglementant-la-surveillance-par-le-chef-des-bureaux-du-secretariat-general-des-servic/","id":2837463,"description":"Arrêté n° 19-460-1935 rapportant les arrêtés n° 158 du 9 mars 1934 et n° 860 du 9 décembre 1934 réglementant la surveillance par le chef des Bureaux du Secrétariat général des services financiers de la"},{"title":"FTC to glue company: Stick to established Made in USA principles","link":"https://www.ftc.gov/business-guidance/blog/2016/10/ftc-glue-company-stick-established-made-usa-principles","id":2837393,"description":"FTC to glue company: Stick to established Made in USA principles lfair October 19, 2016 | 10:07AM FTC to glue company: Stick to established Made in USA principles By Lesley Fair The phrase is only nine letters long, but for many consumers, it makes the difference between a product in the shopping basket and one left on the shelf. It’s “Made in USA” and the FTC just announced a settlement of its lawsuit against Chemence, Inc. , for misleading Made in USA claims. If your company makes similar representations, is it time for a compliance check? Georgia-based Chemence manufactures Kwik Fix, Hammer Tite, and Krylex Glues – fast-acting glues made with cyanoacrylate. The FTC sued Chemence in February 2016, alleging that the company’s “Made in USA” or “proudly made in the U.S.A.” claims for its cyanoacrylate glues suggested that the products were all, or virtually all, made in the United States. According to the FTC, when you look at the chemicals, including those essential to the glues’ function, 55% of the cost of the substances came from imports – rendering the company’s Made in USA claims misleading. The FTC also alleged that Chemence assisted others in deceiving consumers by distributing marketing materials to private-label sellers and third-party sites and storefronts that included misleading Made in USA claims. The settlement , which includes a $220,000 financial remedy, requires changes in how Chemence advertises its products. The order prohibits the company from making unqualified Made in USA claims for any product unless it can show that final assembly or processing – and all significant processing – take place in the United States, and that all or virtually all ingredients or components are made and sourced in the U.S. The order also prohibits Chemence from providing others with the means to make deceptive Made in USA claims about its products. What about qualified claims? Under the order, which was filed in federal court in Cleveland, Chemence may make qualified Made in USA claims only if those representations include clear and conspicuous disclosures about the extent to which the products contain foreign parts, ingredients, or processing. Does your company make Made in USA claims on products or packaging, in ads, on your website, or in marketing materials? Read the FTC’s Enforcement Policy Statement on U.S. Origin Claims for compliance guidance."},{"id":2837283,"description":"A Bill to Make provision in relation to criminal courts in England and Wales; to make provision about the leadership of tribunals; to amend section 1 of the Children Act 1989 to remove the presumption relating to the involvement of parents in the life of a child; and for connected","title":"Courts and Tribunals Bill","link":"https://bills.parliament.uk/bills/4083"},{"title":"The Air Navigation (Restriction of Flying) (The Mall) (Emergency) Regulations 2026","link":"http://www.legislation.gov.uk/id/uksi/2026/429http://www.legislation.gov.uk/uksi/2026/429/madehttp://www.legislation.gov.uk/uksi/2026/429/pdfs/uksi_20260429_en.pdfhttp://www.legislation.gov.uk/uksi/2026/429/contents/made","id":2837282},{"id":2836626,"description":"Arrêté n° 256 portant virement de crédits au budget du Port pour l'exercice","title":"Arrêté n° 256 portant virement de crédits au budget du Port pour l'exercice 1960.","link":"https://www.journalofficiel.dj/texte-juridique/arrete-n-256-portant-virement-de-credits-au-budget-du-port-pour-lexercice-1960/"},{"description":"Décision n° 27-363-1927","id":2836623,"title":"Décision n° 27-363-1927 Nominations.","link":"https://www.journalofficiel.dj/texte-juridique/decision-n-27-363-1927-nominations/"},{"title":"JORD SPÉCIAL n° 02 du 17/02/2026","link":"https://www.journalofficiel.dj/journal-officiel/n-02-du-17-02-2026/","description":"JORD SPÉCIAL n° 02 du 17/02/2026JORD n° 02 du 29/01/2026JORD SPÉCIAL n° 01 du 08/01/2026JORD n° 24 du 31/12/2025JORD n° 23 du","id":2836624},{"link":"https://www.journalofficiel.dj/texte-juridique/arrete-n-16-453-1934-promulguant-dans-la-colonie-le-decret-du-24-juillet-1934-relatif-a-lexpropriation-dun-terrain-a-la-cote-francaise-des-somalis/","title":"Arrêté n° 16/453/1934 promulguant dans la colonie le décret du 24 juillet 1934 relatif à l'expropriation d'un terrain à la Côte française des Somalis.","description":"Arrêté n° 16/453/1934 promulguant dans la colonie le décret du 24 juillet 1934 relatif à l'expropriation d'un terrain à la Côte française des","id":2836625},{"title":"CROA case shows why piggybacking isn’t the answer for consumers shouldering bad credit","link":"https://www.ftc.gov/business-guidance/blog/2020/03/croa-case-shows-why-piggybacking-isnt-answer-consumers-shouldering-bad-credit","id":2836597,"description":"CROA case shows why piggybacking isn’t the answer for consumers shouldering bad credit lfair March 9, 2020 | 11:07AM CROA case shows why piggybacking isn’t the answer for consumers shouldering bad credit By Lesley Fair The practice is called piggybacking, but it’s not child’s play. It’s where a person with iffy credit pays a credit repair company to be listed as an authorized user on the account of someone with good credit – even though they don’t actually have access. The idea is that the person with bad credit can inflate their own credit score and get the money-saving benefits of better credit by “piggybacking” on the credit of a stranger. That’s how a Denver-based business pitched its services to cash-strapped consumers. But the FTC says the defendants couldn’t back up their score improvement claims and engaged in a host of illegal practices that violated the FTC Act, the Credit Repair Organizations Act (CROA) , and the Telemarketing Sales Rule. BoostMyScore and CEO William O. Airy claimed to offer consumers “the amazing benefit” of having another person’s credit “‘copied and pasted’ on to your credit report,” giving the buyer “the biggest possible FICO® score boost in less than 60 days; and it’s guaranteed!” Here’s how the defendants described their services, for which they charged consumer between $325 to $4,000 – or even more: HOW TO HACK YOUR CREDIT SCORE. What is a tradeline? Steroids straight into the heart of your credit score... Adding a high quality “tradeline” is the most effective way to quickly boost your credit score. Through a process called “tradeline renting” or “credit piggybacking,” you can overcome your credit woes. Online and in radio ads, the defendants promised consumers concrete benefits – for example, qualifying for a mortgage. According to one promotional piece, “ . . . many of our customers realize a jump of about 120 points in as little as two weeks. What would a credit score increase of that size mean for you? If you are like most people, that could be the difference between having your mortgage application approved or not.” The complaint alleges the defendants also advised those strangers with good credit on how to conceal what was going on: While speaking with call center employees. . . [i]f someone is being . . . overly inquisitive, and you feel they may be trying to uncover your motive of earning an income by renting out the AU [Authorized User] spots on your cards, you can simply tell them you have to run and will call them back later to complete your tasks. Then immediately hang up, without waiting for a response, because doing so usually closes out your account on their computer screen, reducing any chance they had of transferring you to another department or manager tasked with closing credit card accounts they assume are being utilized in this way. You’ll want to read the complaint for details of the allegations, but the FTC says the defendants violated the FTC Act by deceptively claiming that their services would significantly improve consumers’ credit scores and help them get mortgages. The lawsuit also alleges the defendants violated the Credit Repair Organizations Act by the misleading use of tradelines and by engaging in a course of business that results in fraud or deception. The FTC says they also violated CROA and the Telemarketing Sales Rule by making misrepresentations about credit repair service and by charging illegal advance fees. The settlement prohibits the defendants from marketing credit repair services that attempt to add an authorized user to anyone’s credit unless that person has actual access. In addition to other provisions to protect consumers in the future, the proposed order prohibits misrepresentations about the legality of credit piggybacking. Most of the proposed $6.6 million judgment would be suspended due to the defendants’ financial"},{"title":"One truth to take from the Trudeau story","link":"https://www.ftc.gov/business-guidance/blog/2016/07/one-truth-take-trudeau-story","description":"One truth to take from the Trudeau story lfair July 5, 2016 | 10:47AM One truth to take from the Trudeau story By Lesley Fair Recently, the FTC sent hundreds of thousands of refund checks to people who bought the book The Weight Loss Cure “They” Don’t Want You to Know About by pitchman Kevin Trudeau. Court decisions have established there wasn’t much truth in Mr. Trudeau’s advertising claims, but the story behind the law enforcement actions underscores one fundamental truth: the FTC’s commitment to effective order enforcement. Kevin Trudeau is no stranger to the FTC. He settled a case in 1998 for his role in promoting products via infomercial, including an addiction treatment method advertised to “work virtually 100 percent of the time” and a “hair farming system.” Then came his involvement in the marketing of Coral Calcium Supreme, deceptively advertised to cure cancer and other serious diseases. That led to a 2004 order that, among other things, banned him for life from the infomercial industry. But he parlayed a narrow exception into his next misleading promotion, the Weight Loss Cure book. Trudeau touted it as an easy eat-what-you-want plan, but once people bought the book, they learned the truth. It required near-starvation dieting and daily injections of prescription drugs. In 2009, a federal judge ordered Trudeau to repay consumers millions of dollars for violating the 2004 order. Trudeau continued to spend lavishly on living-the-high-life luxuries, and yet claimed to be too broke to pay the required refunds. The FTC wasn’t buying it and went back to court to untangle the web Trudeau had created to hide his assets. The trial judge didn’t buy it either and at one point jailed Trudeau for refusing to disclose the whereabouts of money that rightfully belonged to defrauded consumers. Ultimately, a court-appointed receiver unearthed millions of dollars Trudeau had hidden – and the search continues for more money he squirreled away. The checks we sent reflect partial refunds, but it’s important to cash or deposit them within 60 days. People who cash or deposit that check may get a second check if more money become available. Visit our Trudeau refund page for information. (Looking for details about other FTC cases that led to money back for consumers? Bookmark the FTC’s general refunds page for information consumers need to confirm that a check from an FTC case is legit.) So what’s Mr. Trudeau doing now? 10 years in a federal prison. A federal appellate court upheld a jury verdict finding him in criminal contempt. “Based on the size of Trudeau’s fraud and the flagrant and repetitive nature of his contumacious conduct,” the court also rejected Trudeau’s challenge to the prison sentence. What’s the one truth advertisers should take from the Trudeau story? That the heart and soul of the FTC’s mission is effective order enforcement. In most cases, people and companies under order implement in-house changes to prevent a repeat performance. But for those who don’t, the FTC will take the steps necessary to protect consumers from recidivists. And as the Trudeau case suggests, we’re in it for the long haul.","id":2836590},{"title":"FTC says Uber took a wrong turn with misleading privacy, security promises","link":"https://www.ftc.gov/business-guidance/blog/2017/08/ftc-says-uber-took-wrong-turn-misleading-privacy-security-promises","id":2836591,"description":"FTC says Uber took a wrong turn with misleading privacy, security promises lfair August 15, 2017 | 10:07AM FTC says Uber took a wrong turn with misleading privacy, security promises By Lesley Fair How much information does Uber have about its riders and drivers? A lot. The FTC just announced a settlement addressing charges that the company falsely claimed to closely monitor internal access to consumers’ personal information on an ongoing basis. The FTC also alleges that Uber failed to live up to its promise to provide reasonable security for consumer data. Uber collects and maintains sensitive information about its riders – for example, names, addresses, profile pictures, and detailed trip records, including geolocation. When people sign up to be Uber drivers, the company collects a lot of data, too – Social Security numbers, driver’s license numbers, bank account numbers, car registrations, and the like. The story behind the FTC’s complaint goes back to at least 2014. That’s when the company was the subject of news reports alleging that Uber employees had improperly accessed riders’ personal information. How did consumers react? Not well. To respond to the controversy, Uber posted this statement on its site: Uber has a strict policy prohibiting all employees at every level from accessing a rider or driver’s data. The only exception to this policy is for a limited set of legitimate business purposes. Our policy has been communicated to all employees and contractors . . . . The policy is also clear that access to rider and driver accounts is being closely monitored and audited by data security specialists on an ongoing basis, and any violations of the policy will result in disciplinary action, including the possibility of termination and legal action. How did Uber store some of the sensitive information in its possession? Uber used a well-known third-party cloud storage service to maintain large amounts of it, including back-ups of its massive rider and driver databases. Uber claimed it “securely stored” personal information, using “standard, industry-wide, commercially reasonable security practices such as encryption, firewalls and SSL (Secure Socket Layers) . . . .” If consumers expressed reluctance to provide personal data, customer service reps assuaged their concerns by promising that Uber was “extra vigilant” and that their information “will be stored safely and used only for purposes you’ve authorized. We use the most up to date technology and services to ensure that none of these are compromised.” That’s what Uber said , but what was going on behind the scenes? According to the complaint , despite the promise of “ongoing” monitoring by data security specialists, the system Uber implemented in December 2014 wasn’t designed or staffed to effectively monitor the data that Uber workers were accessing, so the company abandoned it. From August 2015 until May 2016, Uber didn’t follow up in a timely fashion on alerts concerning the possible misuse of consumers’ personal information. For a particular six-month period, Uber only monitored access to the account information of a select group. Who? Certain high-profile users, including Uber executives. The FTC also alleges that Uber engaged in practices that, taken together, failed to provide reasonable security for personal information in the cloud storage service. You’ll want to read the complaint for details, but according to the FTC, Uber let all programs and engineers that accessed the cloud storage service use a single access key that provided full admin privileges over everything Uber stored there, failed to restrict access based on employees’ job functions, failed to require multi-factor authentication for access, and stored sensitive information in clear, readable – in other words, unencrypted – text. What’s more, until September 2014, Uber failed to implement reasonable security training and guidance"},{"title":"FTC blows the whistle on business coaching program","link":"https://www.ftc.gov/business-guidance/blog/2017/06/ftc-blows-whistle-business-coaching-program","description":"FTC blows the whistle on business coaching program lfair June 26, 2017 | 11:28AM FTC blows the whistle on business coaching program By Lesley Fair Rockne, Lombardi, Landry, Shula. Behind every sports dynasty, there’s a legendary coach. But according to the FTC , marketers of “business coaching” services took consumers for millions by using offside sales tactics that will likely disqualify them from the Truth-in-Advertising Hall of Fame. One notable feature of the cases is that it took two pages just to list the interconnected companies and individuals involved in the operation, but it boils down to this. The complaint alleges that a Utah-based company called Guidance hired telemarketing outfits – “sales floors” – to pitch its supposedly personalized business coaching services. According to the FTC, based on misleading promotional materials and testimonials supplied by Guidance, telemarketers used a host of deceptive practices to get people to pay thousands of dollars on the false promise that the services would enable them to start their own successful internet businesses. Here’s an example from a videotaped testimonial of the kind of claims the defendants used to get consumers on their team: “I’ve grossed over $12,000 last month alone. Everything gets better all the time. I’ve got a whole stack of orders over here to prove it. Right behind me, this laptop, I bought this to start my online business. Before that I never owned a computer, I never touched a computer.” The pleadings includes details of other tactics the defendants used to recruit customers. According to the FTC, telemarketers pitched the coaching services as an exclusive one-on-one program of business know-how and specialized market research available only to a limited number of qualified people. Under the guise of screening to see if consumers “qualified,” telemarketers probed for their story – their financial status, personal hardships, or other circumstances the defendants referred to behind closed doors as the person’s “pains.” The defendants then used that information to tailor the sales pitch and to set the price where a prospect was likely to bite. If consumers appeared interested, they were transferred to a “closer” who encouraged them to use their credit card to pay for the program as part of the OPM (“Other People’s Money”) strategy. In other words, put it on plastic, pay it back with the big bucks you’ll rake in from the program, and then pocket the profits. Once people signed up – the initial cost sometimes topped $10,000 – the FTC says the defendants blitzed them with pricey upsells. The FTC alleges in two separate complaints that Guidance, its predecessor Thrive Learning, and two of the sales floors – Discover and PLI – violated the FTC Act and the Telemarketing Sales Rule. According to the lawsuits, most people didn’t get the advertised services or the promised earnings. If anything, the only “coaching” they got was basic info about online auctions and PayPal accounts – pointers available for free on eBay. In fact, the FTC says that the overwhelming majority of people who bought the defendants’ business coaching services were never able to establish a business. In addition, the lawsuits charge the defendants with collecting consumers’ financial information under false pretenses. The complaint against the Thrive defendants also includes a credit card factoring charge. To settle the case, the defendants have agreed to broad injunctive provisions and lifetime bans from business coaching or work-at-home opportunities, with narrow exemptions for certain lawful business activities. (Thrive will be banned from credit card factoring, too.) The orders include financial judgments which, based on the defendants’ financial condition, will be partially suspended after they turn over a total of $2.1 million in cash and assets worth as much as","id":2836592},{"description":"$586 million Western Union settlement: Be careful about the company your company keeps lfair January 19, 2017 | 12:11AM $586 million Western Union settlement: Be careful about the company your company keeps By Lesley Fair “For many years, Western Union’s money transfer system has been used by fraudsters around the world to obtain money from their victims.” That’s how the FTC’s complaint against Western Union opens – and it tells a compelling story of a corporation the FTC says knew that massive fraud was afoot and had the ability to address it, but chose to look the other way. It didn’t end there because according to the lawsuit, even in the face of obvious evidence that many of its own agents were complicit, Western Union ignored it while pocketing massive cash. The global $586 million settlement, which also resolves separate Justice Department criminal investigations into the company’s failure to maintain an effective anti-money laundering program in violation of the Bank Secrecy Act, sounds a cautionary note for other businesses to consider the company they keep.  Many people use Western Union’s money transfer system to send money to family and friends, but Western Union also was a fan favorite of crooks and con artists around the world. According to the lawsuit , the company’s own in-house data documented that.  For example, between 2004 and 2015, Western Union received 146,909 complaints about bogus online purchases , totaling at least $187 million in losses. Fraudulent lotteries accounted for another 75,543 complaints, totaling $86 million in losses. And those “Wire money to get me out of jail!” scams that target unsuspecting family members generated 41,897 complaints and at least $73 million in losses. Of Western Union’s total network of 515,000 agents, the FTC says a small number account for the vast majority of consumer complaints. You’ll want to read the complaint for details, but here’s just one example. In 2012, Mexico had 17,710 Western Union agent locations, but 137 – less than 1% of them – accounted for more than 80% of the reported fraud. And those are stats based on Western Union’s own documents. Sky-high consumer complaint rates were just the start. Thirty-nine Western Union agents have been charged in the U.S. and Canada for crimes like mail fraud, wire fraud, or money laundering, with more than 100 arrested by law enforcement agencies in other countries. Some were prosecuted for being in cahoots with con artists. Others were charged with setting up their own scams. But even in the face of consumer complaints, criminal prosecutions, a 2005 settlement with AGs from 47 states and the District of Columbia, a 2009 FTC action against competitor MoneyGram, and warnings from the U.S. Secret Service and authorities in Canada, Japan, the U.K., Spain, and elsewhere, the FTC says it was business as usual for Western Union. In certain countries where Western Union was at a particularly high risk for use by criminals – Nigeria, for example – Western Union had rarely, if ever, terminated an agent for fraud as of October 2015. Among other things, the lawsuit alleges that despite what Western Union knew, it failed to take prompt action against agents with high levels of consumer fraud, didn’t conduct adequate background checks of prospective new agents or those up for contract renewal, didn’t adequately train and monitor its agents, and failed to adequately record consumer fraud complaints. In addition to violations of the Telemarketing Sales Rule, the FTC alleges that Western Union’s failure to take timely, appropriate, and effective action in the face of fraud-induced money transfers was an unfair trade practice. The settlement imposes the $586 million payment and requires Western Union to put a comprehensive A-to-Z anti-fraud program in place, complete with meaningful training and monitoring to protect consumers in the future. The order also prohibits the company from","id":2836593,"link":"https://www.ftc.gov/business-guidance/blog/2017/01/586-million-western-union-settlement-be-careful-about-company-your-company-keeps","title":"$586 million Western Union settlement: Be careful about the company your company keeps"},{"id":2836594,"description":"Green lights, red flags, blue lobster: FTC Rules of the Road for Business heads to Cleveland sgressin October 19, 2020 | 9:24AM Green lights, red flags, blue lobster: FTC Rules of the Road for Business heads to Cleveland By Seena Gressin Ohioans know how to handle the virtually impossible. Take Clawde, a rare blue lobster that was destined for a dinner plate this July when a sharp-eyed worker in a Cuyahoga Falls Red Lobster restaurant spotted him, fished him from a holding tank, and started events that landed Clawde in posh new digs at the Akron Zoo — where a veterinarian’s exam led Clawde to be redubbed Clawdia. According to the zoo, blue lobsters occur one in every 2 million. And the chances of one being caught, shipped, saved, and not savored? We’ll go with virtually impossible. Why are we telling you? Well, who among us doesn’t need a good lobster tale these days? But it also brings us to another rare event soon to happen in Ohio — Green Lights & Red Flags: FTC Rules of the Road for Business . It’s a free business seminar focused on hot topics in truth-in-advertising law, social media marketing, data security, business-to-business fraud, and more . It will take place on Thursday, October 29, from 1 p.m. to 3:45 p.m. Eastern Time , online from Cleveland. Since it’s virtually possible for you to attend from wherever you are, you’re invited. Green Lights & Red Flags continues a popular business workshop series that the FTC has held over the years with regional partners in cities across the county. The Cleveland event will bring together national and state legal experts and Ohio business and marketing professionals to offer practical insights into how established consumer protection principles apply in today’s marketplace. Business owners, marketing and advertising professionals, and lawyers who advise them will want to attend. The workshop is co-hosted by the FTC, the Office of the Ohio Attorney General, Better Business Bureau Serving Greater Cleveland, and the Cuyahoga County Department of Consumer Affairs. Visit the event page for details and to register . We hope you’ll join us, virtually. No lobster bibs are","link":"https://www.ftc.gov/business-guidance/blog/2020/10/green-lights-red-flags-blue-lobster-ftc-rules-road-business-heads-cleveland","title":"Green lights, red flags, blue lobster: FTC Rules of the Road for Business heads to Cleveland"}]