Retail businesses that deal directly with consumers and businesses granting credit to consumers are subject to significant state and federal regulation. There are many traps for the uninitiated. Fraser Trebilcock Davis & Dunlap, P.C.'s experienced attorneys can help businesses deal with a wide range of issues.

Retail Sales: Our attorneys can help clients understand and comply with the many state and federal laws and regulations that apply to retail sales, including:

• Advertising Act of 1988
• Cancellation of Sales Contracts Acts (applies where value is given for attending a sales promotion)
• FTC Unfair Trade Practices Regulations
• Home Solicitation Sales Act
• Magnuson-Moss Warranty-Federal Trade Commission Improvement Act
• Michigan Consumer Protection Act
• Regulation of Pricing and Advertising (Sometimes called the unit pricing law)

Lottery Promotions: State and federal laws regulate the use of lottery promotions. Our attorneys can ensure your lottery promotions comply with the law.

Consumer Credit: There are many laws that apply to businesses that grant credit or make loans to consumers. Some of these laws require licensing. The rest require compliance with a number of rules, but do not require a license. Our attorneys assist with compliance in the following areas:

• Credit cards
• Debt collection practices
• Home improvement loans
• Motor vehicle loans
• Regulatory loan companies
• Retail installment sales
• Second mortgage loans
• Truth-in-lending
• Usury/maximum legal interest rate