[{"description":"Le texte français suit. Following the incredible success of our inaugural program, LLI is BACK for its second run, led once again by the incomparable Annette Demers. The program will kick off on January 19, 2026 with our first virtual meet up. Lessons will be released every two weeks, with regular recap virtual meet ups. The LLI then wraps up in Moncton, with an in-person workshop and the pre-conference session. Optional courses will return after the CALL/ACBD conference. A reminder that the virtual portion of the LLI is FREE for all CALL/ACBD members. A certificate of completion will be given out to those who complete the entire virtual program as well as the in-person workshop within two calendar years. You do not need to complete all sessions unless you would like to obtain a certificate of completion. For more information about the program, and to register for upcoming sessions, visit the CALL/ACBD website, here: Law Librarians Institute .   À la suite de l’incroyable succès de notre programme inaugural, le LLI est de RETOUR pour une deuxième édition, dirigée une fois de plus par l’incomparable Annette Demers. Le programme débutera le 19 janvier 2026 avec notre première rencontre virtuelle. Les leçons seront publiées toutes les deux semaines, accompagnées de rencontres virtuelles régulières pour des récapitulatifs. Le LLI se terminera à Moncton avec un atelier en personne et une séance préconférence. Les cours optionnels reprendront après le congrès de l’ACBD/CALL. Un rappel que la portion virtuelle du LLI est GRATUITE pour tous les membres de l’ACBD/CALL. Un certificat d’achèvement sera remis à celles et ceux qui complètent l’ensemble du programme virtuel ainsi que l’atelier en personne dans un délai de deux ans. Il n’est pas nécessaire de participer à toutes les séances, sauf si vous souhaitez obtenir un certificat d’achèvement. Pour plus d’informations sur le programme et pour vous inscrire aux prochaines séances, visitez le site web de l’ACBD/CALL ici : Institut des bibliothécaires de droit","titre":"Law Librarians Institute 2026 / Institut des bibliothécaires de droit 2026","pubDate":"Mon, 26 Oct 2026 07:55:56 +0100","id":3241534,"source":"Canadian Association of Law Libraries / L'Association canadienne des bibliothèques de droit CALL/ACBD Blog","url":"https://www.callacbd.ca/CALL-Blog/13573991"},{"titre":"Company to pay $22 million for offering \"free\" credit scores that turned out to be not so free","id":3194913,"pubDate":"Sat, 03 Oct 2026 08:09:37 +0200","description":"Company to pay $22 million for offering \"free\" credit scores that turned out to be not so free wfg-adm109 November 19, 2014 | 11:12AM Company to pay $22 million for offering \"free\" credit scores that turned out to be not so free By Lesley Fair We’ve brought law enforcement actions – dozens of ‘em. We’ve held workshops, issued reports, and sent warning letters. If it takes sky writing, tap dancing, and a float in a Thanksgiving Day parade, we’ll do that, too. But here’s what’s not going to happen. The FTC is not giving up until businesses get the message that: 1) Free means free; and 2) Key terms and conditions have to be clearly and conspicuously disclosed. A $22 million settlement announced by the FTC and the AGs of Illinois and Ohio with a national credit monitoring service advertising so-called “free” credit scores emphasizes that point. Another note for practitioners: It's the FTC's third case alleging violations of ROSCA . One Technologies and related outfits marketed their credit monitoring programs, MyCreditHealth and ScoreSense, through at least 50 sites, including FreeScore360.com, FreeScoreOnline.com and ScoreSense.com. Their strategy was simple. Buy advertising on search engines so their ads show up near the top when people look for phrases like “free credit report\" and then follow up with a persuasive pitch: “View your latest Credit Scores from All 3 Bureaus in 60 seconds for $0!” According to the lawsuit , the defendants failed to clearly tell consumers that if they availed themselves of those “free” services and didn’t cancel within seven days, the defendants would ding their credit cards for $29.95 a month over and over and over again. The complaint includes screen shots of the defendants’ sites, but before looking at them, take out your reading glasses because they’ll come in handy in trying to locate where the defendants chose to tell people about that $29.95 monthly fee. One line of fine print added in late 2012 said “Free 7-Day trial when you order your 3 Free Credit Scores. Membership is then just $29.95 per month until you call to cancel.” The first problem: The type was tiny – a fraction of the size of the defendants’ multiple use of the word “free.” The second problem: Why should consumers even have to be on the look-out for the cost, given that the defendants so prominently advertised it as “free”? A second purported disclosure appeared as an obscure hyperlink on the page where people typed in their Social Security number and birthdate.  Sandwiched between the logos of various security firms and a large color button that said CONTINUE was this less-than-crystal-clear statement: By clicking on the ‘Continue’ button, you agree to the Offer Details, to the Terms and Conditions, acknowledge receipt of our Privacy Policy and agree to its terms . . . The “Offer Details” link triggered a small pop-up that said, among other things, “At the end of the 7-day trial period, your credit/debit card will be charged $29.95 on a monthly basis until you call to cancel.” Another place the defendants put the information was on a side panel of the Payment Form in white letters on a grey background – a color combination one of the defendants’ own employees described as “known to cause seizures in lab rats.” According to the complaint, once people spotted the unauthorized charges on their accounts, the defendants didn’t make it easy to stop the billing.  And even when people asked for their money back because they hadn’t approved of the charges, the defendants denied refunds to many of them. The lawsuit alleges violations of the FTC Act, as well as the Illinois Consumer Fraud Act, the Ohio Consumer Sales Practices Act, and related state rules. In addition, the complaint is the third FTC action to charge violations of ROSCA, the Restore Online Shoppers’","source":"FTC USA Business Blog Posts","url":"https://www.ftc.gov/business-guidance/blog/2014/11/company-pay-22-million-offering-free-credit-scores-turned-out-be-not-so-free"}]