Consumer Advisory: Foreclosure Rescue Scams, February 2014

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: Foreclosure Rescue Scams

Consumer Advisory: Home Repairs & Home Improvements, April 2014

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: Home Repairs & Home Improvements

Consumer Advisory: Unauthorized Charges & “Free Trial” Offers, May 2014

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: Unauthorized Charges & “Free Trial” Offers

Consumer Advisory: The Drive to Destroy: Removing data from computer hard drives, storage devices & wireless phones, June 2014

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: The Drive to Destroy: Removing data from computer hard drives, storage devices & wireless phones

Consumer Advisory:Student Loan “Rescue” Companies Are No Lifeline! July 2014

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about:Student Loan “Rescue” Companies Are No Lifeline!

Consumer Advisory: The Drive to Destroy: Heath Fraud: Protecting Your Wellness and Your Wallet, August 2014

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: The Drive to Destroy: Heath Fraud: Protecting Your Wellness and Your Wallet

Consumer Advisory: How to Hinder Hackers? Protect Your Password! Tips to better secure your computer and online accounts, September 2014

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: How to Hinder Hackers? Protect Your Password! Tips to better secure your computer and online accounts

Consumer Advisory: Hold the Line on Annoying Robocalls How to respond to unwanted or illegal prerecorded robocalls October 2014

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: Hold the Line on Annoying Robocalls How to respond to unwanted or illegal prerecorded robocalls

Consumer Advisory: Smarter Holiday Shopping Holiday season shopping tips for consumers, November 2014

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: Smarter Holiday Shopping Holiday season shopping tips for consumers

Consumer Advisory: First You Win, Then You Lose Prize, sweepstakes and international lottery scams, December 2014

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: First You Win, Then You Lose Prize, sweepstakes and international lottery scams

Consumer Advisory: Tax Time Scams & Tips, January 2015

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: Tax Time Scams & Tips

Consumer Advisory: Debt Collections & Debt Collection Scams, February 2015

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: Tax Time Scams & Tips

A Comparative Study: Service Animals and Emotional Support Animals under the Fair Housing Act and the Americans with Disabilities Act & An Overview of Assistance Animal Laws of Select States, April 18, 2010

The Americans with Disabilities Act (ADA) and the Fair Housing Act (FHA) prohibit discrimination on the basis of disability and govern the use of service or emotional support animals in places where pets may not be permitted. However, courts have been struggling with how to define and treat animals that qualify for protection under each law. This has created confusion as to what rights and duties are owed disabled persons and the animals that live with or accompany them. This essay attempts to clarify these two federal laws with regard to service or emotional support animals and the differing parties‘ rights and interests. It also includes an overview of select state laws that govern assistance animals of all types and our recommendations for enhancing the Iowa Civil Rights Act.

Amyloid Beta Precursor Protein: Proper Credit for the Basic Biochemical Properties of the Most Studied Protein in the 21st Century

The amyloid precursor protein (APP) is mainly known for being the precursor of the ß-amyloid peptide, which accumulates in plaques found in the brain of Alzheimer's disease patients. Expression in different tissues and the degree of sequence identity among mammals indicate an essential and non-tissue specific physiological function. APP is anchored to the membrane and displays a single C-terminal intracellular domain and a longer N-terminal extracellular domain. The basic biochemical properties and the scattered data on research, not related to production of beta-amyloid peptide, suggest that the protein and the molecules resulting from APP proteolytic cleavage may act as adhesion factors, enzymes, hormones/neurotransmitters and/or protease inhibitors. APP deserves to be known for its quite notable properties and its physiological role(s).

Luottokortti luotto- ja maksujärjestelynä

Suomessa on käytössä jo yli 13 miljoona maksukorttia, joista luottokorttien osuus on yli 5 miljoonaa. Vaikka korttien määrä ja niiden avulla suoritettujen ostojen määrä on lisääntynyt huomattavasti, on lainsäädännössä niiden huomioon ottaminen jäänyt puutteelliseksi. Kuluttajaa suojaa kuluttajansuojalainsäädäntö, joka säätelee korttiehtoja sekä luottokortin mainontaa. Suurimpana oikeudellisena problematiikkana voidaan nähdä korttien luvaton käyttö ja siitä seuraavat vastuunjako-ongelmat. Milloin kuluttajan on vastuussa kortilla tehdyistä oikeudettomista ostoista ja milloin vastuu jää myyjälle tai luottokorttiyhteisölle. Luottokorttijärjestelyssä on mukana kolme osapuolta: ostaja, myyjä ja luottokortin myöntäjä. Jos kuluttajan ostamassa tavarassa on virhe, on hänellä oikeus vaatia hyvitystä tai palautusta myyjältä. Luottokortilla ostaessa mukana on myös luottokorttiyhteisö. Korkein oikeus on ratkaisussaan vuodelta 2007 todennut, että luottokortin myöntäjällä on sama vastuu ostajaa kohtaan kuin myyjälläkin.