Ms. Etzkorn and Mr. Siegel point out that "banks, credit card companies, insurers and other types of businesses find ways to make money from the fine print nobody can read or understand," and that "lawyers have inundated us with mind-numbing disclaimers, disclosures, terms, instructions, amendments and amendments to amendments" to "avoid lawsuits or other potential problems".
And of course the flip-side is that companies that use overly complex disclaimers, disclosures, terms and conditions and instructions are deemed as trying to hide something and trick the consumer.
The report, from the Pew Charitable Trusts Safe Checkingg in the Electronic Age project, assessed 36 of the country's largest 50 banks, ranked by deposits, on their policies for clear disclosure of terms and fees; overdrafts; and dispute resolution.
On May 10, the Maryland attorney general announced a settlement with the company under which it agreed to pay restitution to Maryland customers who had never received their products or were overcharged, and to improve disclosure of terms to buyers.
While the coalition is naturally keen to explain its disclosure in terms of high principle, only the naive will doubt that self-interest is playing a role here as well.
In May Congress passed a pro-consumer credit card law to ban retroactive interest rate hikes on existing balances and compel better disclosure of terms.
"If we want to be really responsible, why not require full public disclosure, in terms of the type and volume of chemicals, but also the type recovered?" Little said.
Our aim was to assess whether there was a general consistency and disclosure in terms of the objectives and the allocation of resources in the documents, and to understand the purpose of the strategic documents.
Even if the existing literature brushes a general picture of the phenomenon of disclosure in terms of patterns, recipients, frequency, consequences, reasons, reactions, and factors [ 6- 13], little is known about the specific experience of French-speaking, Quebec-born WLHIV.
There will be talk of new anti-corruption protocols, greater financial disclosure and term limits for executives.
