🕷️ Crawler Inspector

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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 96 (from laksa044)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa096.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.stateag.org/policy-areas/consumer-protection\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.stateag.org/policy-areas/consumer-protection\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.stateag.org\/policy-areas\/consumer-protection","crawl_time":1775809364,"first_indexed_time":1518500586,"http_code":200,"src_unparsed":"org,stateag!www,\/policy-areas\/consumer-protection s443","src_root_hash":"9645312771298806496","history_drop_reason":null,"meta_title":"Consumer Protection — StateAG.org","meta_descriptions":["Resources on state attorneys general protecting consumers from misinformation, scams, and negligence."],"attrs_boilerpipe_text":"Attorneys General bear unique responsibilities in protecting consumers from misinformation, scams, and negligence. Attorneys general work with consumers, the business community, the private bar, and the federal government to ensure that consumers are treated legally and fairly in the marketplace. Since the passage of state Unfair and Deceptive Practices Acts (UDAP) in the late 1970’s, state attorneys general often carry out their consumer protection duties on a multistate basis.\nFor teaching materials that discuss the policies and the hurdles of state attorney general consumer protection, see the materials from weeks 4 and 5 of the Syllabus:\nConsumer Protection\nMultistate Advocacy & Private Counsel\nThe best source for information about state attorney general consumer protection is found at the\nConsumer Protection hub\nof the National Attorneys General Training & Research Institute (NAGTRI). See also their\nCenter for Consumer Protection\nand its\nnewsletter\n.\nFor tracking specific cases and settlements, including actual court filings, the best resource is the\nState Litigation and AG Activity Database\n, a website maintained by Marquette Political Science Professor Paul Nolette. Prof. Nolette works closely with NAAG and the site is easily searchable and provides up-to-date information not found anywhere else.\nThe database is augmented for past cases by\nThe State Center Consumer Protection Report\n, a newsletter and website maintained by\nThe Center for State Enforcement of Antitrust and Consumer Protection Laws\n. Another important organization on the area of student loans is the\nStudent Borrower Protection Center\n.\nOther trusted organizations include the\nAARP\n,\nThe National Consumer Law Center\n, and two federal agencies, the\nFederal Trade Commission\nand the\nConsumer Financial Protection Bureau\n. For tech issues including privacy, see the\nAG Tech Forum\nhosted by the Berkman Center at Harvard Law School.","attrs_markdown":"[StateAG.org](https:\/\/www.stateag.org\/)\n\n- [About](https:\/\/www.stateag.org\/about)\n- [AG 101](https:\/\/www.stateag.org\/ag-101)\n- [AG Ethics](https:\/\/www.stateag.org\/ethics)\n- [Teaching](https:\/\/www.stateag.org\/teaching)\n- Policy Areas\n  [About](https:\/\/www.stateag.org\/policy-areas\/about-policy-areas) [Antitrust](https:\/\/www.stateag.org\/policy-areas\/antitrust) [Charities](https:\/\/www.stateag.org\/policy-areas\/charities) [Consumer Protection](https:\/\/www.stateag.org\/policy-areas\/consumer-protection) [Criminal Justice](https:\/\/www.stateag.org\/policy-areas\/criminal-justice) [Diverse Communities](https:\/\/www.stateag.org\/policy-areas\/diverse-communities) [Environment](https:\/\/www.stateag.org\/policy-areas\/environment) [Labor](https:\/\/www.stateag.org\/policy-areas\/labor) [The Tobacco Settlement](https:\/\/www.stateag.org\/policy-areas\/the-tobacco-settlement-2)\n\n# [StateAG.org](https:\/\/www.stateag.org\/)\n- [About](https:\/\/www.stateag.org\/about)\/\n- [AG 101](https:\/\/www.stateag.org\/ag-101)\/\n- [AG Ethics](https:\/\/www.stateag.org\/ethics)\/\n- [Teaching](https:\/\/www.stateag.org\/teaching)\/\n- [Policy Areas](https:\/\/www.stateag.org\/policy-areas\/consumer-protection)\/\n  - [About](https:\/\/www.stateag.org\/policy-areas\/about-policy-areas)\n  - [Antitrust](https:\/\/www.stateag.org\/policy-areas\/antitrust)\n  - [Charities](https:\/\/www.stateag.org\/policy-areas\/charities)\n  - [Consumer Protection](https:\/\/www.stateag.org\/policy-areas\/consumer-protection)\n  - [Criminal Justice](https:\/\/www.stateag.org\/policy-areas\/criminal-justice)\n  - [Diverse Communities](https:\/\/www.stateag.org\/policy-areas\/diverse-communities)\n  - [Environment](https:\/\/www.stateag.org\/policy-areas\/environment)\n  - [Labor](https:\/\/www.stateag.org\/policy-areas\/labor)\n  - [The Tobacco Settlement](https:\/\/www.stateag.org\/policy-areas\/the-tobacco-settlement-2)\n\n# [StateAG.org](https:\/\/www.stateag.org\/)\nAn Educational Resource on the Office of State Attorney General\n\n# Consumer Protection\nResources on state attorneys general protecting consumers from misinformation, scams, and negligence.\n\n# [StateAG.org](https:\/\/www.stateag.org\/)\n- [About](https:\/\/www.stateag.org\/about)\/\n- [AG 101](https:\/\/www.stateag.org\/ag-101)\/\n- [AG Ethics](https:\/\/www.stateag.org\/ethics)\/\n- [Teaching](https:\/\/www.stateag.org\/teaching)\/\n- [Policy Areas](https:\/\/www.stateag.org\/policy-areas\/consumer-protection)\/\n  - [About](https:\/\/www.stateag.org\/policy-areas\/about-policy-areas)\n  - [Antitrust](https:\/\/www.stateag.org\/policy-areas\/antitrust)\n  - [Charities](https:\/\/www.stateag.org\/policy-areas\/charities)\n  - [Consumer Protection](https:\/\/www.stateag.org\/policy-areas\/consumer-protection)\n  - [Criminal Justice](https:\/\/www.stateag.org\/policy-areas\/criminal-justice)\n  - [Diverse Communities](https:\/\/www.stateag.org\/policy-areas\/diverse-communities)\n  - [Environment](https:\/\/www.stateag.org\/policy-areas\/environment)\n  - [Labor](https:\/\/www.stateag.org\/policy-areas\/labor)\n  - [The Tobacco Settlement](https:\/\/www.stateag.org\/policy-areas\/the-tobacco-settlement-2)\n\n# Consumer Protection\n***\n\nAttorneys General bear unique responsibilities in protecting consumers from misinformation, scams, and negligence. Attorneys general work with consumers, the business community, the private bar, and the federal government to ensure that consumers are treated legally and fairly in the marketplace. Since the passage of state Unfair and Deceptive Practices Acts (UDAP) in the late 1970’s, state attorneys general often carry out their consumer protection duties on a multistate basis.\n\nFor teaching materials that discuss the policies and the hurdles of state attorney general consumer protection, see the materials from weeks 4 and 5 of the Syllabus:\n\n- [Consumer Protection](https:\/\/www.stateag.org\/syllabus-2020\/week-4)\n- [Multistate Advocacy & Private Counsel](https:\/\/www.stateag.org\/syllabus-2020\/week-5)\n\nThe best source for information about state attorney general consumer protection is found at the [Consumer Protection hub](https:\/\/www.consumerresources.org\/) of the National Attorneys General Training & Research Institute (NAGTRI). See also their [Center for Consumer Protection](https:\/\/www.naag.org\/nagtri\/centers\/center-for-consumer-protection.php) and its [newsletter](https:\/\/www.naag.org\/publications\/nagtri-newsletters\/consumer-protection-news.php).\n\nFor tracking specific cases and settlements, including actual court filings, the best resource is the [State Litigation and AG Activity Database](https:\/\/attorneysgeneral.org\/), a website maintained by Marquette Political Science Professor Paul Nolette. Prof. Nolette works closely with NAAG and the site is easily searchable and provides up-to-date information not found anywhere else.\n\nThe database is augmented for past cases by [The State Center Consumer Protection Report](https:\/\/statecenterinc.org\/cpi-newsletter\/), a newsletter and website maintained by [The Center for State Enforcement of Antitrust and Consumer Protection Laws](https:\/\/thestatecenter.org\/). Another important organization on the area of student loans is the [Student Borrower Protection Center](https:\/\/protectborrowers.org\/).\n\nOther trusted organizations include the [AARP](https:\/\/www.aarp.org\/ppi\/issues\/consumer-protection\/), [The National Consumer Law Center](https:\/\/www.consumerfinance.gov\/), and two federal agencies, the [Federal Trade Commission](https:\/\/www.ftc.gov\/about-ftc\/bureaus-offices\/bureau-consumer-protection) and the [Consumer Financial Protection Bureau](https:\/\/www.consumerfinance.gov\/%20). For tech issues including privacy, see the [AG Tech Forum](https:\/\/www.stateag.org\/initiatives\/agtech-forum) hosted by the Berkman Center at Harvard Law School.\n***\n## Additional Resources\n### Debt Buyers\n\nFeatured\n\n[Report - Debt Collection and Debt Buying](https:\/\/www.stateag.org\/policy-areas\/consumer-protection\/consumer-protection-resources\/2016\/11\/26\/report-debt-collection-and-debt-buying)\n\n[State AG-CFPB Settlement with Chase Bank Over Credit Card Collections](https:\/\/www.stateag.org\/policy-areas\/consumer-protection\/consumer-protection-resources\/2016\/11\/26\/state-ag-cfpb-settlement-with-chase-bank-over-credit-card-collections)\n\n[CFPB Proposal to Overhaul Debt Collection Market](https:\/\/www.stateag.org\/policy-areas\/consumer-protection\/consumer-protection-resources\/2016\/11\/26\/cfpb-proposal-to-overhaul-debt-collection-market)\n\n[N.Y. Times Report on the Consumer Debt Collection](https:\/\/www.stateag.org\/policy-areas\/consumer-protection\/consumer-protection-resources\/2016\/11\/26\/ny-times-report-on-the-consumer-debt-collection)\n\n[Minnesota AG Resource on Debt Buyers](https:\/\/www.stateag.org\/policy-areas\/consumer-protection\/consumer-protection-resources\/2016\/11\/26\/minnesota-ag-resource-on-debt-buyers)\n***\n### Predatory Lending\nFeatured\n\n[Pay-Day Loans](https:\/\/www.stateag.org\/policy-areas\/consumer-protection\/consumer-protection-resources\/2016\/11\/27\/pay-day-loans)\n\n[For-Profit Colleges](https:\/\/www.stateag.org\/policy-areas\/consumer-protection\/consumer-protection-resources\/2016\/11\/26\/for-profit-colleges)\n\n[2009 Report - State Anti-Predatory Lending Laws](https:\/\/www.stateag.org\/policy-areas\/consumer-protection\/consumer-protection-resources\/2016\/11\/25\/2009-report-state-anti-predatory-lending-laws)\n***\n### Ratings Agency Cases\nIn the aftermath of the 2008 financial crisis, regulators and media outlets determined that credit rating agencies played an essential role in hiding the riskiness of mortgage-backed securities. By acquiescing to the demands of the banks who sought favorable ratings on structured finance securities, including toxic mortgage backed securities, the two biggest ratings agencies in terms of market-share, Standard and Poor’s (S\\&P) and Moody’s, provided inflated ratings for these assets in exchange for a continued and accelerated business relationship with Wall Street banks. Esteemed economist and New York Times columnist Paul Krugman described this [mutually beneficial relationship in more candid terms](http:\/\/www.nytimes.com\/2010\/04\/26\/opinion\/26krugman.html):\n\n> “It was a system that looked dignified and respectable on the surface. Yet it produced huge conflicts of interest. Issuers of debt — which increasingly meant Wall Street firms selling securities they created by slicing and dicing claims on things like subprime mortgages — could choose among several rating agencies. So they could direct their business to whichever agency was most likely to give a favorable verdict, and threaten to pull business from an agency that tried too hard to do its job... These skewed assessments, in turn, helped the financial system take on far more risk than it could safely handle.”\n\n— Paul Krugman, New York Times (April 25, 2010)\n\nIn 2010, Assistant Attorneys General from the Connecticut Attorney General’s office developed a unique and ultimately successful legal theory – sue the credit rating agencies under state consumer protection laws for misleading investors. Individual and institutional investors, such as state pension funds, relied, often exclusively, on Moody's and S\\&P bond ratings to determine credit-worthiness.\n\nConnecticut became the first state to sue both Moody’s and S\\&P under its state laws, which barred deceptive sales in securities. 20 states and the Department of Justice eventually joined the investigation and lawsuits, which ultimately led to large-scale settlements with both agencies. S\\&P settled in 2015 and Moody’s agreed to a settlement in 2017.\n\n- Moody's [Settlement Agreement](http:\/\/www.ct.gov\/ag\/lib\/ag\/press_releases\/2017\/20170113_moodys_settlementagreement.pdf) (Jan. 2017).\n- Press Release, Connecticut Attorney General’s Office, [*Attorney General Jepsen Leads Multistate Coalition in \\$863M State-Federal Settlement with Moody's*](http:\/\/www.ct.gov\/ag\/cwp\/view.asp?Q=589254&A=2341) (Jan. 13, 2017).\n- Press Release, U.S. Department of Justice, [*Justice Department and State Partners Secure Nearly \\$864 Million Settlement With Moody’s Arising From Conduct in the Lead up to the Financial Crisis*](https:\/\/www.justice.gov\/opa\/pr\/justice-department-and-state-partners-secure-nearly-864-million-settlement-moody-s-arising) (Jan. 13, 2017).\n- Matt Scully and David McLaughlin, [*Moody’s Reaches \\$864 Million Subprime Ratings Settlement*](https:\/\/www.bloomberg.com\/news\/articles\/2017-01-13\/moody-s-to-pay-864-million-to-settle-subprime-ratings-claims)*,* Bloomberg (Jan. 13, 2017).\n- [S& P Settlement Agreement](https:\/\/www.stateag.org\/s\/sp_settlement_agreement.pdf) (Feb. 2015).\n- Press Release, Connecticut Attorney General's Office, [*Attorney General Leads Multistate Coalition Challenging Standard & Poor’s Ratings*](http:\/\/www.ct.gov\/ag\/cwp\/view.asp?Q=518298&A=2341) (Feb. 5, 2013).\n- Dan Haar, [*S\\&P Agrees To \\$1.4B Settlement Of Deception Charges That Started In Connecticut*](http:\/\/www.courant.com\/business\/dan-haar\/hc-haar-holder-jepsen-standard-poors-deception-20150203-column.html), Hartford Courant (Feb. 3, 2015).\n***\n### Law Review Articles\nPrentiss Cox, [*Public Enforcement Compensation and Private Rights*](https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2503999), 100 Minn. L. Rev. 2313 (2016).\n\n- \\[ABSTRACT [SSRN](https:\/\/www.ssrn.com\/en\/)\\]: Government enforcement actions have returned tens of billions of dollars to consumers, investors and employees. This “public enforcement compensation” is important to effective civil law enforcement, yet it is poorly understood and increasingly criticized. Recent scholarship asserts that public compensation mimics class action recoveries and raises the same concerns of accountability to recipients of relief. This Article rejects the class action analogy and presents an alternative framework grounded in the law and practice of public enforcement for understanding the relationship between public compensation and private rights.\n\nMark Totten, [*Credit Reform and the States: The Vital Role of Attorneys General After Dodd-Frank*](https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2207726#%23), 99 Iowa L. Rev. 115 (2013).\n\n- \\[ABSTRACT [SSRN](https:\/\/www.ssrn.com\/en\/)\\]: Congress employed multiple strategies in the wake of the Great Recession to provide greater protections for consumers in the financial marketplace. One strategy aimed at agency design and resulted in creation of the Consumer Financial Protection Bureau. Another strategy created new substantive prohibitions and corresponding rulemaking powers. A third strategy channeled the forces of federalism, placing a limit on agency preemption and empowering state attorneys general to enforce federal law. Scholars have focused on the first two strategies, plus the new constraints on preemption, but so far have not given sustained attention to the role of states as co-enforcers of federal consumer financial protection law. This Article seeks to fill that void, focusing on implementation and charting a path for normative assessment.\n***\n### From the Tierney Blog\nFeatured\n\nApr 3, 2019\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Health Care](https:\/\/www.stateag.org\/tierney-blog?category=Health+Care)\n\n[Don't Forget the Law Firms that Represented Big Opioids](https:\/\/www.stateag.org\/tierney-blog\/2019\/4\/3\/dont-forget-the-law-firms-that-represented-big-opioids)\n\nApr 3, 2019\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Health Care](https:\/\/www.stateag.org\/tierney-blog?category=Health+Care)\n\nApr 3, 2019\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Health Care](https:\/\/www.stateag.org\/tierney-blog?category=Health+Care)\n\nJan 7, 2019\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[Several Significant Bipartisan Mutistate Settlements That the Media is Barely Covering](https:\/\/www.stateag.org\/tierney-blog\/2019\/1\/7\/several-significant-bipartisan-mutistate-settlements-that-the-media-is-barely-covering)\n\nJan 7, 2019\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nJan 7, 2019\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nNov 19, 2018\n\n[Immigrant Communities](https:\/\/www.stateag.org\/tierney-blog?category=Immigrant+Communities), [Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[State AGs Take Action Against Immigration Services Fraud](https:\/\/www.stateag.org\/tierney-blog\/2018\/11\/19\/state-ags-take-action-against-immigration-services-fraud)\n\nNov 19, 2018\n\n[Immigrant Communities](https:\/\/www.stateag.org\/tierney-blog?category=Immigrant+Communities), [Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nNov 19, 2018\n\n[Immigrant Communities](https:\/\/www.stateag.org\/tierney-blog?category=Immigrant+Communities), [Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nNov 16, 2018\n\n[AG 101](https:\/\/www.stateag.org\/tierney-blog?category=AG+101), [Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[The Takeaway: Why Attorney General Races Draw National Attention (and Donations)](https:\/\/www.stateag.org\/tierney-blog\/2018\/11\/16\/wnycs-the-takeaway-why-attorney-general-races-draw-national-attention-and-donations)\n\nNov 16, 2018\n\n[AG 101](https:\/\/www.stateag.org\/tierney-blog?category=AG+101), [Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nNov 16, 2018\n\n[AG 101](https:\/\/www.stateag.org\/tierney-blog?category=AG+101), [Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nNov 7, 2018\n\n[Health Care](https:\/\/www.stateag.org\/tierney-blog?category=Health+Care), [Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[FTC Shuts Down FL-Based Health Insurance Scam](https:\/\/www.stateag.org\/tierney-blog\/2018\/11\/7\/ftc-shuts-down-fl-based-health-insurance-scam)\n\nNov 7, 2018\n\n[Health Care](https:\/\/www.stateag.org\/tierney-blog?category=Health+Care), [Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nNov 7, 2018\n\n[Health Care](https:\/\/www.stateag.org\/tierney-blog?category=Health+Care), [Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nNov 5, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[AG Prosecutions Targeting Debt Collectors](https:\/\/www.stateag.org\/tierney-blog\/2018\/11\/5\/ag-prosecutions-targeting-debt-collectors)\n\nNov 5, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nNov 5, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nOct 20, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[NYAG Investigating Source of Millions of Fake Public Comments Submitted to FCC](https:\/\/www.stateag.org\/tierney-blog\/2018\/10\/22\/nyag-investigating-source-of-millions-of-fake-public-comments-submitted-to-fcc)\n\nOct 20, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nOct 20, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nOct 9, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[Uber Multistate Settlement Demonstrates the Power of State Data Breach Laws](https:\/\/www.stateag.org\/tierney-blog\/2018\/10\/9\/oxbb0nww07amoms8xolbjo8bf8wlzf)\n\nOct 9, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nOct 9, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nAug 29, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Health Care](https:\/\/www.stateag.org\/tierney-blog?category=Health+Care)\n\n[Bipartisan State Efforts to Control Prescription Drug Costs](https:\/\/www.stateag.org\/tierney-blog\/2018\/8\/29\/bipartisan-state-efforts-to-control-prescription-drug-costs)\n\nAug 29, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Health Care](https:\/\/www.stateag.org\/tierney-blog?category=Health+Care)\n\nAug 29, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Health Care](https:\/\/www.stateag.org\/tierney-blog?category=Health+Care)\n\nJul 19, 2018\n\n[Announcements](https:\/\/www.stateag.org\/tierney-blog?category=Announcements), [Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Labor](https:\/\/www.stateag.org\/tierney-blog?category=Labor)\n\n[Terri Gerstein a Fellow at Harvard's Labor and Worklife Program](https:\/\/www.stateag.org\/tierney-blog\/2018\/7\/19\/terri-gerstein-a-fellow-at-harvards-labor-and-worklife-program)\n\nJul 19, 2018\n\n[Announcements](https:\/\/www.stateag.org\/tierney-blog?category=Announcements), [Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Labor](https:\/\/www.stateag.org\/tierney-blog?category=Labor)\n\nJul 19, 2018\n\n[Announcements](https:\/\/www.stateag.org\/tierney-blog?category=Announcements), [Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Labor](https:\/\/www.stateag.org\/tierney-blog?category=Labor)\n\nMar 12, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[DeVos Seeks to Preempt State AGs from Protecting Students Against Loan Servicers](https:\/\/www.stateag.org\/tierney-blog\/2018\/3\/12\/devos-seeks-to-preempt-state-ags-from-protecting-students-against-loan-servicers)\n\nMar 12, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nMar 12, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nJan 10, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[BuzzFeed: We Took On Big Tobacco. It's Time To Take On Big Opioid.](https:\/\/www.stateag.org\/tierney-blog\/2018\/1\/10\/tierney-in-buzzfeed-we-took-on-big-tobacco-its-time-to-take-on-big-opioid)\n\nJan 10, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nJan 10, 2018\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nMay 2, 2017\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[Twenty-One AGs Urge Education Secretary to Reconsider Rollback of Student Loan Reforms](https:\/\/www.stateag.org\/tierney-blog\/2017\/5\/2\/twenty-one-ags-urge-education-secretary-to-reconsider-rollback-of-student-loan-reforms)\n\nMay 2, 2017\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nMay 2, 2017\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nMar 23, 2017\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[NY Attorney General Fights Fraud Against Servicemembers](https:\/\/www.stateag.org\/tierney-blog\/2017\/3\/23\/ny-attorney-general-fights-fraud-against-servicemembers)\n\nMar 23, 2017\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nMar 23, 2017\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nFeb 20, 2017\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[Ky. AG Fosters Stratgeic Partnerships to Fight Consumer Scams](https:\/\/www.stateag.org\/tierney-blog\/2017\/2\/20\/ky-ag-fosters-stratgeic-partnerships-to-fight-consumer-scams)\n\nFeb 20, 2017\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nFeb 20, 2017\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nDec 19, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[The State Center Consumer Protection Report (Oct. - Nov. 2016 Edition)](https:\/\/www.stateag.org\/tierney-blog\/2016\/12\/19\/state-center-consumer-protection-report)\n\nDec 19, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nDec 19, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nDec 18, 2016\n\n[Health Care](https:\/\/www.stateag.org\/tierney-blog?category=Health+Care), [Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Antitrust](https:\/\/www.stateag.org\/tierney-blog?category=Antitrust)\n\n[Connecticut AG Leads on Pharmaceutical Price-Fixing Case](https:\/\/www.stateag.org\/tierney-blog\/2016\/12\/18\/ct-ag-leads-on-pharmaceutical-price-fixing-case)\n\nDec 18, 2016\n\n[Health Care](https:\/\/www.stateag.org\/tierney-blog?category=Health+Care), [Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Antitrust](https:\/\/www.stateag.org\/tierney-blog?category=Antitrust)\n\nDec 18, 2016\n\n[Health Care](https:\/\/www.stateag.org\/tierney-blog?category=Health+Care), [Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Antitrust](https:\/\/www.stateag.org\/tierney-blog?category=Antitrust)\n\nOct 12, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[Mn. AG Lori Swanson's Victory Over For-Profit Globe University Receives Support from U.S. Department of Education](https:\/\/www.stateag.org\/tierney-blog\/2016\/10\/11\/mn-ag-laurie-swansons-victory-over-for-profit-globe-university-gets-support-from-us-dept-of-ed)\n\nOct 12, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nOct 12, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nSep 27, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[Resources on Payday Lending](https:\/\/www.stateag.org\/tierney-blog\/2016\/9\/27\/resources-on-payday-lending)\n\nSep 27, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nSep 27, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nJun 15, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[NY AG Gives Extensive Remarks on Efforts to Use 1st Amendment to Block Fraud Investigations](https:\/\/www.stateag.org\/tierney-blog\/2016\/6\/15\/ny-ag-gives-extensive-remarks-on-efforts-to-use-1st-amendment-to-block-fraud-investigations)\n\nJun 15, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nJun 15, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nJun 9, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[NY AG and its Time Warner Investigation](https:\/\/www.stateag.org\/tierney-blog\/2016\/6\/9\/ny-ag-and-its-time-warner-investigation)\n\nJun 9, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nJun 9, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nMay 14, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[Md. AG Sues Finance Companies on Structured Settlements](https:\/\/www.stateag.org\/tierney-blog\/2016\/5\/14\/md-ag-sues-finance-companies-on-structured-settlements)\n\nMay 14, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nMay 14, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nApr 28, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Immigrant Communities](https:\/\/www.stateag.org\/tierney-blog?category=Immigrant+Communities)\n\n[AG's Fight Notorio Fraud](https:\/\/www.stateag.org\/tierney-blog\/2016\/4\/28\/ags-fight-notorio-fraud)\n\nApr 28, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Immigrant Communities](https:\/\/www.stateag.org\/tierney-blog?category=Immigrant+Communities)\n\nApr 28, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Immigrant Communities](https:\/\/www.stateag.org\/tierney-blog?category=Immigrant+Communities)\n\nApr 26, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Health Care](https:\/\/www.stateag.org\/tierney-blog?category=Health+Care)\n\n[NY AG Sues Health Insurer over Coverage](https:\/\/www.stateag.org\/tierney-blog\/2016\/4\/26\/ny-ag-sues-health-insurer-over-coverage)\n\nApr 26, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Health Care](https:\/\/www.stateag.org\/tierney-blog?category=Health+Care)\n\nApr 26, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection), [Health Care](https:\/\/www.stateag.org\/tierney-blog?category=Health+Care)\n\nApr 26, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[FTC Partners with State AG Offices](https:\/\/www.stateag.org\/tierney-blog\/2016\/4\/26\/ftc-partners-with-state-ag-offices)\n\nApr 26, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nApr 26, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nApr 5, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\n[Minnesota AG Trial Against For Profit School Begins](https:\/\/www.stateag.org\/tierney-blog\/2016\/4\/5\/minnesota-ag-trial-against-for-profit-school-begins)\n\nApr 5, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n\nApr 5, 2016\n\n[Consumer Protection](https:\/\/www.stateag.org\/tierney-blog?category=Consumer+Protection)\n***\n\n- [About](https:\/\/www.stateag.org\/about)\/\n- [AG 101](https:\/\/www.stateag.org\/ag-101)\/\n- [AG Ethics](https:\/\/www.stateag.org\/ethics)\/\n- [Teaching](https:\/\/www.stateag.org\/teaching)\/\n- [Policy Areas](https:\/\/www.stateag.org\/policy-areas\/consumer-protection)\/\n  - [About](https:\/\/www.stateag.org\/policy-areas\/about-policy-areas)\n  - [Antitrust](https:\/\/www.stateag.org\/policy-areas\/antitrust)\n  - [Charities](https:\/\/www.stateag.org\/policy-areas\/charities)\n  - [Consumer Protection](https:\/\/www.stateag.org\/policy-areas\/consumer-protection)\n  - [Criminal Justice](https:\/\/www.stateag.org\/policy-areas\/criminal-justice)\n  - [Diverse Communities](https:\/\/www.stateag.org\/policy-areas\/diverse-communities)\n  - [Environment](https:\/\/www.stateag.org\/policy-areas\/environment)\n  - [Labor](https:\/\/www.stateag.org\/policy-areas\/labor)\n  - [The Tobacco Settlement](https:\/\/www.stateag.org\/policy-areas\/the-tobacco-settlement-2)\n### StateAG.org\n### AG Policy Areas\n- [Antitrust](https:\/\/www.stateag.org\/policy-areas\/antitrust)\n- [Charities](https:\/\/www.stateag.org\/policy-areas\/charities)\n- [Consumer Protection](https:\/\/www.stateag.org\/policy-areas\/consumer-protection)\n- [Criminal Justice](https:\/\/www.stateag.org\/policy-areas\/criminal-justice)\n- [Diverse Communities](https:\/\/www.stateag.org\/policy-areas\/diverse-communities)\n- [Environment](https:\/\/www.stateag.org\/policy-areas\/environment)\n- [Labor](https:\/\/www.stateag.org\/policy-areas\/labor)\n- [THe Tobacco Settlement](https:\/\/www.stateag.org\/policy-areas\/the-tobacco-settlement-2)\n***\n***\n\nCopyright © James E. Tierney 2016-24\n\nThe information presented on this website is for educational purposes only and does not constitute legal advice. No party should act or rely on any information contained on this website without first seeking the advice of an attorney.","attrs_readable_markdown":"Attorneys General bear unique responsibilities in protecting consumers from misinformation, scams, and negligence. Attorneys general work with consumers, the business community, the private bar, and the federal government to ensure that consumers are treated legally and fairly in the marketplace. Since the passage of state Unfair and Deceptive Practices Acts (UDAP) in the late 1970’s, state attorneys general often carry out their consumer protection duties on a multistate basis.\n\nFor teaching materials that discuss the policies and the hurdles of state attorney general consumer protection, see the materials from weeks 4 and 5 of the Syllabus:\n\n- [Consumer Protection](https:\/\/www.stateag.org\/syllabus-2020\/week-4)\n- [Multistate Advocacy & Private Counsel](https:\/\/www.stateag.org\/syllabus-2020\/week-5)\n\nThe best source for information about state attorney general consumer protection is found at the [Consumer Protection hub](https:\/\/www.consumerresources.org\/) of the National Attorneys General Training & Research Institute (NAGTRI). See also their [Center for Consumer Protection](https:\/\/www.naag.org\/nagtri\/centers\/center-for-consumer-protection.php) and its [newsletter](https:\/\/www.naag.org\/publications\/nagtri-newsletters\/consumer-protection-news.php).\n\nFor tracking specific cases and settlements, including actual court filings, the best resource is the [State Litigation and AG Activity Database](https:\/\/attorneysgeneral.org\/), a website maintained by Marquette Political Science Professor Paul Nolette. Prof. Nolette works closely with NAAG and the site is easily searchable and provides up-to-date information not found anywhere else.\n\nThe database is augmented for past cases by [The State Center Consumer Protection Report](https:\/\/statecenterinc.org\/cpi-newsletter\/), a newsletter and website maintained by [The Center for State Enforcement of Antitrust and Consumer Protection Laws](https:\/\/thestatecenter.org\/). Another important organization on the area of student loans is the [Student Borrower Protection Center](https:\/\/protectborrowers.org\/).\n\nOther trusted organizations include the [AARP](https:\/\/www.aarp.org\/ppi\/issues\/consumer-protection\/), [The National Consumer Law Center](https:\/\/www.consumerfinance.gov\/), and two federal agencies, the [Federal Trade Commission](https:\/\/www.ftc.gov\/about-ftc\/bureaus-offices\/bureau-consumer-protection) and the [Consumer Financial Protection Bureau](https:\/\/www.consumerfinance.gov\/). For tech issues including privacy, see the [AG Tech Forum](https:\/\/www.stateag.org\/initiatives\/agtech-forum) hosted by the Berkman Center at Harvard Law School.","meta_canonical":null}

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Boilerpipe Text	Attorneys General bear unique responsibilities in protecting consumers from misinformation, scams, and negligence. Attorneys general work with consumers, the business community, the private bar, and the federal government to ensure that consumers are treated legally and fairly in the marketplace. Since the passage of state Unfair and Deceptive Practices Acts (UDAP) in the late 1970’s, state attorneys general often carry out their consumer protection duties on a multistate basis. For teaching materials that discuss the policies and the hurdles of state attorney general consumer protection, see the materials from weeks 4 and 5 of the Syllabus: Consumer Protection Multistate Advocacy & Private Counsel The best source for information about state attorney general consumer protection is found at the Consumer Protection hub of the National Attorneys General Training & Research Institute (NAGTRI). See also their Center for Consumer Protection and its newsletter . For tracking specific cases and settlements, including actual court filings, the best resource is the State Litigation and AG Activity Database , a website maintained by Marquette Political Science Professor Paul Nolette. Prof. Nolette works closely with NAAG and the site is easily searchable and provides up-to-date information not found anywhere else. The database is augmented for past cases by The State Center Consumer Protection Report , a newsletter and website maintained by The Center for State Enforcement of Antitrust and Consumer Protection Laws . Another important organization on the area of student loans is the Student Borrower Protection Center . Other trusted organizations include the AARP , The National Consumer Law Center , and two federal agencies, the Federal Trade Commission and the Consumer Financial Protection Bureau . For tech issues including privacy, see the AG Tech Forum hosted by the Berkman Center at Harvard Law School.
Markdown	[StateAG.org](https://www.stateag.org/) - [About](https://www.stateag.org/about) - [AG 101](https://www.stateag.org/ag-101) - [AG Ethics](https://www.stateag.org/ethics) - [Teaching](https://www.stateag.org/teaching) - Policy Areas [About](https://www.stateag.org/policy-areas/about-policy-areas) [Antitrust](https://www.stateag.org/policy-areas/antitrust) [Charities](https://www.stateag.org/policy-areas/charities) [Consumer Protection](https://www.stateag.org/policy-areas/consumer-protection) [Criminal Justice](https://www.stateag.org/policy-areas/criminal-justice) [Diverse Communities](https://www.stateag.org/policy-areas/diverse-communities) [Environment](https://www.stateag.org/policy-areas/environment) [Labor](https://www.stateag.org/policy-areas/labor) [The Tobacco Settlement](https://www.stateag.org/policy-areas/the-tobacco-settlement-2) # [StateAG.org](https://www.stateag.org/) - [About](https://www.stateag.org/about)/ - [AG 101](https://www.stateag.org/ag-101)/ - [AG Ethics](https://www.stateag.org/ethics)/ - [Teaching](https://www.stateag.org/teaching)/ - [Policy Areas](https://www.stateag.org/policy-areas/consumer-protection)/ - [About](https://www.stateag.org/policy-areas/about-policy-areas) - [Antitrust](https://www.stateag.org/policy-areas/antitrust) - [Charities](https://www.stateag.org/policy-areas/charities) - [Consumer Protection](https://www.stateag.org/policy-areas/consumer-protection) - [Criminal Justice](https://www.stateag.org/policy-areas/criminal-justice) - [Diverse Communities](https://www.stateag.org/policy-areas/diverse-communities) - [Environment](https://www.stateag.org/policy-areas/environment) - [Labor](https://www.stateag.org/policy-areas/labor) - [The Tobacco Settlement](https://www.stateag.org/policy-areas/the-tobacco-settlement-2) # [StateAG.org](https://www.stateag.org/) An Educational Resource on the Office of State Attorney General # Consumer Protection Resources on state attorneys general protecting consumers from misinformation, scams, and negligence. # [StateAG.org](https://www.stateag.org/) - [About](https://www.stateag.org/about)/ - [AG 101](https://www.stateag.org/ag-101)/ - [AG Ethics](https://www.stateag.org/ethics)/ - [Teaching](https://www.stateag.org/teaching)/ - [Policy Areas](https://www.stateag.org/policy-areas/consumer-protection)/ - [About](https://www.stateag.org/policy-areas/about-policy-areas) - [Antitrust](https://www.stateag.org/policy-areas/antitrust) - [Charities](https://www.stateag.org/policy-areas/charities) - [Consumer Protection](https://www.stateag.org/policy-areas/consumer-protection) - [Criminal Justice](https://www.stateag.org/policy-areas/criminal-justice) - [Diverse Communities](https://www.stateag.org/policy-areas/diverse-communities) - [Environment](https://www.stateag.org/policy-areas/environment) - [Labor](https://www.stateag.org/policy-areas/labor) - [The Tobacco Settlement](https://www.stateag.org/policy-areas/the-tobacco-settlement-2) # Consumer Protection * Attorneys General bear unique responsibilities in protecting consumers from misinformation, scams, and negligence. Attorneys general work with consumers, the business community, the private bar, and the federal government to ensure that consumers are treated legally and fairly in the marketplace. Since the passage of state Unfair and Deceptive Practices Acts (UDAP) in the late 1970’s, state attorneys general often carry out their consumer protection duties on a multistate basis. For teaching materials that discuss the policies and the hurdles of state attorney general consumer protection, see the materials from weeks 4 and 5 of the Syllabus: - [Consumer Protection](https://www.stateag.org/syllabus-2020/week-4) - [Multistate Advocacy & Private Counsel](https://www.stateag.org/syllabus-2020/week-5) The best source for information about state attorney general consumer protection is found at the [Consumer Protection hub](https://www.consumerresources.org/) of the National Attorneys General Training & Research Institute (NAGTRI). See also their [Center for Consumer Protection](https://www.naag.org/nagtri/centers/center-for-consumer-protection.php) and its [newsletter](https://www.naag.org/publications/nagtri-newsletters/consumer-protection-news.php). For tracking specific cases and settlements, including actual court filings, the best resource is the [State Litigation and AG Activity Database](https://attorneysgeneral.org/), a website maintained by Marquette Political Science Professor Paul Nolette. Prof. Nolette works closely with NAAG and the site is easily searchable and provides up-to-date information not found anywhere else. The database is augmented for past cases by [The State Center Consumer Protection Report](https://statecenterinc.org/cpi-newsletter/), a newsletter and website maintained by [The Center for State Enforcement of Antitrust and Consumer Protection Laws](https://thestatecenter.org/). Another important organization on the area of student loans is the [Student Borrower Protection Center](https://protectborrowers.org/). Other trusted organizations include the [AARP](https://www.aarp.org/ppi/issues/consumer-protection/), [The National Consumer Law Center](https://www.consumerfinance.gov/), and two federal agencies, the [Federal Trade Commission](https://www.ftc.gov/about-ftc/bureaus-offices/bureau-consumer-protection) and the [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/%20). For tech issues including privacy, see the [AG Tech Forum](https://www.stateag.org/initiatives/agtech-forum) hosted by the Berkman Center at Harvard Law School. * ## Additional Resources ### Debt Buyers Featured [Report - Debt Collection and Debt Buying](https://www.stateag.org/policy-areas/consumer-protection/consumer-protection-resources/2016/11/26/report-debt-collection-and-debt-buying) [State AG-CFPB Settlement with Chase Bank Over Credit Card Collections](https://www.stateag.org/policy-areas/consumer-protection/consumer-protection-resources/2016/11/26/state-ag-cfpb-settlement-with-chase-bank-over-credit-card-collections) [CFPB Proposal to Overhaul Debt Collection Market](https://www.stateag.org/policy-areas/consumer-protection/consumer-protection-resources/2016/11/26/cfpb-proposal-to-overhaul-debt-collection-market) [N.Y. Times Report on the Consumer Debt Collection](https://www.stateag.org/policy-areas/consumer-protection/consumer-protection-resources/2016/11/26/ny-times-report-on-the-consumer-debt-collection) [Minnesota AG Resource on Debt Buyers](https://www.stateag.org/policy-areas/consumer-protection/consumer-protection-resources/2016/11/26/minnesota-ag-resource-on-debt-buyers) * ### Predatory Lending Featured [Pay-Day Loans](https://www.stateag.org/policy-areas/consumer-protection/consumer-protection-resources/2016/11/27/pay-day-loans) [For-Profit Colleges](https://www.stateag.org/policy-areas/consumer-protection/consumer-protection-resources/2016/11/26/for-profit-colleges) [2009 Report - State Anti-Predatory Lending Laws](https://www.stateag.org/policy-areas/consumer-protection/consumer-protection-resources/2016/11/25/2009-report-state-anti-predatory-lending-laws) * ### Ratings Agency Cases In the aftermath of the 2008 financial crisis, regulators and media outlets determined that credit rating agencies played an essential role in hiding the riskiness of mortgage-backed securities. By acquiescing to the demands of the banks who sought favorable ratings on structured finance securities, including toxic mortgage backed securities, the two biggest ratings agencies in terms of market-share, Standard and Poor’s (S\&P) and Moody’s, provided inflated ratings for these assets in exchange for a continued and accelerated business relationship with Wall Street banks. Esteemed economist and New York Times columnist Paul Krugman described this [mutually beneficial relationship in more candid terms](http://www.nytimes.com/2010/04/26/opinion/26krugman.html): > “It was a system that looked dignified and respectable on the surface. Yet it produced huge conflicts of interest. Issuers of debt — which increasingly meant Wall Street firms selling securities they created by slicing and dicing claims on things like subprime mortgages — could choose among several rating agencies. So they could direct their business to whichever agency was most likely to give a favorable verdict, and threaten to pull business from an agency that tried too hard to do its job... These skewed assessments, in turn, helped the financial system take on far more risk than it could safely handle.” — Paul Krugman, New York Times (April 25, 2010) In 2010, Assistant Attorneys General from the Connecticut Attorney General’s office developed a unique and ultimately successful legal theory – sue the credit rating agencies under state consumer protection laws for misleading investors. Individual and institutional investors, such as state pension funds, relied, often exclusively, on Moody's and S\&P bond ratings to determine credit-worthiness. Connecticut became the first state to sue both Moody’s and S\&P under its state laws, which barred deceptive sales in securities. 20 states and the Department of Justice eventually joined the investigation and lawsuits, which ultimately led to large-scale settlements with both agencies. S\&P settled in 2015 and Moody’s agreed to a settlement in 2017. - Moody's [Settlement Agreement](http://www.ct.gov/ag/lib/ag/press_releases/2017/20170113_moodys_settlementagreement.pdf) (Jan. 2017). - Press Release, Connecticut Attorney General’s Office, [Attorney General Jepsen Leads Multistate Coalition in \$863M State-Federal Settlement with Moody's](http://www.ct.gov/ag/cwp/view.asp?Q=589254&A=2341) (Jan. 13, 2017). - Press Release, U.S. Department of Justice, [Justice Department and State Partners Secure Nearly \$864 Million Settlement With Moody’s Arising From Conduct in the Lead up to the Financial Crisis](https://www.justice.gov/opa/pr/justice-department-and-state-partners-secure-nearly-864-million-settlement-moody-s-arising) (Jan. 13, 2017). - Matt Scully and David McLaughlin, [Moody’s Reaches \$864 Million Subprime Ratings Settlement](https://www.bloomberg.com/news/articles/2017-01-13/moody-s-to-pay-864-million-to-settle-subprime-ratings-claims), Bloomberg (Jan. 13, 2017). - [S& P Settlement Agreement](https://www.stateag.org/s/sp_settlement_agreement.pdf) (Feb. 2015). - Press Release, Connecticut Attorney General's Office, [Attorney General Leads Multistate Coalition Challenging Standard & Poor’s Ratings](http://www.ct.gov/ag/cwp/view.asp?Q=518298&A=2341) (Feb. 5, 2013). - Dan Haar, [S\&P Agrees To \$1.4B Settlement Of Deception Charges That Started In Connecticut](http://www.courant.com/business/dan-haar/hc-haar-holder-jepsen-standard-poors-deception-20150203-column.html), Hartford Courant (Feb. 3, 2015). *** ### Law Review Articles Prentiss Cox, [Public Enforcement Compensation and Private Rights](https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2503999), 100 Minn. L. Rev. 2313 (2016). - \[ABSTRACT [SSRN](https://www.ssrn.com/en/)\]: Government enforcement actions have returned tens of billions of dollars to consumers, investors and employees. This “public enforcement compensation” is important to effective civil law enforcement, yet it is poorly understood and increasingly criticized. Recent scholarship asserts that public compensation mimics class action recoveries and raises the same concerns of accountability to recipients of relief. This Article rejects the class action analogy and presents an alternative framework grounded in the law and practice of public enforcement for understanding the relationship between public compensation and private rights. Mark Totten, [Credit Reform and the States: The Vital Role of Attorneys General After Dodd-Frank](https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2207726#%23), 99 Iowa L. Rev. 115 (2013). - \[ABSTRACT [SSRN](https://www.ssrn.com/en/)\]: Congress employed multiple strategies in the wake of the Great Recession to provide greater protections for consumers in the financial marketplace. One strategy aimed at agency design and resulted in creation of the Consumer Financial Protection Bureau. Another strategy created new substantive prohibitions and corresponding rulemaking powers. A third strategy channeled the forces of federalism, placing a limit on agency preemption and empowering state attorneys general to enforce federal law. Scholars have focused on the first two strategies, plus the new constraints on preemption, but so far have not given sustained attention to the role of states as co-enforcers of federal consumer financial protection law. This Article seeks to fill that void, focusing on implementation and charting a path for normative assessment. * ### From the Tierney Blog Featured Apr 3, 2019 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), [Health Care](https://www.stateag.org/tierney-blog?category=Health+Care) [Don't Forget the Law Firms that Represented Big Opioids](https://www.stateag.org/tierney-blog/2019/4/3/dont-forget-the-law-firms-that-represented-big-opioids) Apr 3, 2019 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), [Health Care](https://www.stateag.org/tierney-blog?category=Health+Care) Apr 3, 2019 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), [Health Care](https://www.stateag.org/tierney-blog?category=Health+Care) Jan 7, 2019 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [Several Significant Bipartisan Mutistate Settlements That the 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Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [FTC Shuts Down FL-Based Health Insurance Scam](https://www.stateag.org/tierney-blog/2018/11/7/ftc-shuts-down-fl-based-health-insurance-scam) Nov 7, 2018 [Health Care](https://www.stateag.org/tierney-blog?category=Health+Care), [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Nov 7, 2018 [Health Care](https://www.stateag.org/tierney-blog?category=Health+Care), [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Nov 5, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [AG Prosecutions Targeting Debt Collectors](https://www.stateag.org/tierney-blog/2018/11/5/ag-prosecutions-targeting-debt-collectors) Nov 5, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Nov 5, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Oct 20, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [NYAG Investigating Source of Millions of Fake Public Comments Submitted to FCC](https://www.stateag.org/tierney-blog/2018/10/22/nyag-investigating-source-of-millions-of-fake-public-comments-submitted-to-fcc) Oct 20, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Oct 20, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Oct 9, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [Uber Multistate Settlement Demonstrates the Power of State Data Breach Laws](https://www.stateag.org/tierney-blog/2018/10/9/oxbb0nww07amoms8xolbjo8bf8wlzf) Oct 9, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Oct 9, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Aug 29, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), [Health Care](https://www.stateag.org/tierney-blog?category=Health+Care) [Bipartisan State Efforts to Control Prescription Drug Costs](https://www.stateag.org/tierney-blog/2018/8/29/bipartisan-state-efforts-to-control-prescription-drug-costs) Aug 29, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), [Health Care](https://www.stateag.org/tierney-blog?category=Health+Care) Aug 29, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), [Health Care](https://www.stateag.org/tierney-blog?category=Health+Care) Jul 19, 2018 [Announcements](https://www.stateag.org/tierney-blog?category=Announcements), [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), 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Servicers](https://www.stateag.org/tierney-blog/2018/3/12/devos-seeks-to-preempt-state-ags-from-protecting-students-against-loan-servicers) Mar 12, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Mar 12, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Jan 10, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [BuzzFeed: We Took On Big Tobacco. It's Time To Take On Big Opioid.](https://www.stateag.org/tierney-blog/2018/1/10/tierney-in-buzzfeed-we-took-on-big-tobacco-its-time-to-take-on-big-opioid) Jan 10, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Jan 10, 2018 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) May 2, 2017 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [Twenty-One AGs Urge Education Secretary to Reconsider Rollback of Student Loan Reforms](https://www.stateag.org/tierney-blog/2017/5/2/twenty-one-ags-urge-education-secretary-to-reconsider-rollback-of-student-loan-reforms) May 2, 2017 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) May 2, 2017 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Mar 23, 2017 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [NY Attorney General Fights Fraud Against Servicemembers](https://www.stateag.org/tierney-blog/2017/3/23/ny-attorney-general-fights-fraud-against-servicemembers) Mar 23, 2017 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Mar 23, 2017 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Feb 20, 2017 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [Ky. AG Fosters Stratgeic Partnerships to Fight Consumer Scams](https://www.stateag.org/tierney-blog/2017/2/20/ky-ag-fosters-stratgeic-partnerships-to-fight-consumer-scams) Feb 20, 2017 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Feb 20, 2017 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Dec 19, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [The State Center Consumer Protection Report (Oct. - Nov. 2016 Edition)](https://www.stateag.org/tierney-blog/2016/12/19/state-center-consumer-protection-report) Dec 19, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Dec 19, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Dec 18, 2016 [Health Care](https://www.stateag.org/tierney-blog?category=Health+Care), [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), [Antitrust](https://www.stateag.org/tierney-blog?category=Antitrust) [Connecticut AG Leads on Pharmaceutical Price-Fixing Case](https://www.stateag.org/tierney-blog/2016/12/18/ct-ag-leads-on-pharmaceutical-price-fixing-case) Dec 18, 2016 [Health Care](https://www.stateag.org/tierney-blog?category=Health+Care), [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), [Antitrust](https://www.stateag.org/tierney-blog?category=Antitrust) Dec 18, 2016 [Health Care](https://www.stateag.org/tierney-blog?category=Health+Care), [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), [Antitrust](https://www.stateag.org/tierney-blog?category=Antitrust) Oct 12, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [Mn. AG Lori Swanson's Victory Over For-Profit Globe University Receives Support from U.S. Department of Education](https://www.stateag.org/tierney-blog/2016/10/11/mn-ag-laurie-swansons-victory-over-for-profit-globe-university-gets-support-from-us-dept-of-ed) Oct 12, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Oct 12, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Sep 27, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [Resources on Payday Lending](https://www.stateag.org/tierney-blog/2016/9/27/resources-on-payday-lending) Sep 27, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Sep 27, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Jun 15, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [NY AG Gives Extensive Remarks on Efforts to Use 1st Amendment to Block Fraud Investigations](https://www.stateag.org/tierney-blog/2016/6/15/ny-ag-gives-extensive-remarks-on-efforts-to-use-1st-amendment-to-block-fraud-investigations) Jun 15, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Jun 15, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Jun 9, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [NY AG and its Time Warner Investigation](https://www.stateag.org/tierney-blog/2016/6/9/ny-ag-and-its-time-warner-investigation) Jun 9, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Jun 9, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) May 14, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [Md. AG Sues Finance Companies on Structured Settlements](https://www.stateag.org/tierney-blog/2016/5/14/md-ag-sues-finance-companies-on-structured-settlements) May 14, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) May 14, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Apr 28, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), [Immigrant Communities](https://www.stateag.org/tierney-blog?category=Immigrant+Communities) [AG's Fight Notorio Fraud](https://www.stateag.org/tierney-blog/2016/4/28/ags-fight-notorio-fraud) Apr 28, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), [Immigrant Communities](https://www.stateag.org/tierney-blog?category=Immigrant+Communities) Apr 28, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), [Immigrant Communities](https://www.stateag.org/tierney-blog?category=Immigrant+Communities) Apr 26, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), [Health Care](https://www.stateag.org/tierney-blog?category=Health+Care) [NY AG Sues Health Insurer over Coverage](https://www.stateag.org/tierney-blog/2016/4/26/ny-ag-sues-health-insurer-over-coverage) Apr 26, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), [Health Care](https://www.stateag.org/tierney-blog?category=Health+Care) Apr 26, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection), [Health Care](https://www.stateag.org/tierney-blog?category=Health+Care) Apr 26, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [FTC Partners with State AG Offices](https://www.stateag.org/tierney-blog/2016/4/26/ftc-partners-with-state-ag-offices) Apr 26, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Apr 26, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Apr 5, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) [Minnesota AG Trial Against For Profit School Begins](https://www.stateag.org/tierney-blog/2016/4/5/minnesota-ag-trial-against-for-profit-school-begins) Apr 5, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) Apr 5, 2016 [Consumer Protection](https://www.stateag.org/tierney-blog?category=Consumer+Protection) * - [About](https://www.stateag.org/about)/ - [AG 101](https://www.stateag.org/ag-101)/ - [AG Ethics](https://www.stateag.org/ethics)/ - [Teaching](https://www.stateag.org/teaching)/ - [Policy Areas](https://www.stateag.org/policy-areas/consumer-protection)/ - [About](https://www.stateag.org/policy-areas/about-policy-areas) - [Antitrust](https://www.stateag.org/policy-areas/antitrust) - [Charities](https://www.stateag.org/policy-areas/charities) - [Consumer Protection](https://www.stateag.org/policy-areas/consumer-protection) - [Criminal Justice](https://www.stateag.org/policy-areas/criminal-justice) - [Diverse Communities](https://www.stateag.org/policy-areas/diverse-communities) - [Environment](https://www.stateag.org/policy-areas/environment) - [Labor](https://www.stateag.org/policy-areas/labor) - [The Tobacco Settlement](https://www.stateag.org/policy-areas/the-tobacco-settlement-2) ### StateAG.org ### AG Policy Areas - [Antitrust](https://www.stateag.org/policy-areas/antitrust) - [Charities](https://www.stateag.org/policy-areas/charities) - [Consumer Protection](https://www.stateag.org/policy-areas/consumer-protection) - [Criminal Justice](https://www.stateag.org/policy-areas/criminal-justice) - [Diverse Communities](https://www.stateag.org/policy-areas/diverse-communities) - [Environment](https://www.stateag.org/policy-areas/environment) - [Labor](https://www.stateag.org/policy-areas/labor) - [THe Tobacco Settlement](https://www.stateag.org/policy-areas/the-tobacco-settlement-2) * * Copyright © James E. Tierney 2016-24 The information presented on this website is for educational purposes only and does not constitute legal advice. No party should act or rely on any information contained on this website without first seeking the advice of an attorney.
Readable Markdown	Attorneys General bear unique responsibilities in protecting consumers from misinformation, scams, and negligence. Attorneys general work with consumers, the business community, the private bar, and the federal government to ensure that consumers are treated legally and fairly in the marketplace. Since the passage of state Unfair and Deceptive Practices Acts (UDAP) in the late 1970’s, state attorneys general often carry out their consumer protection duties on a multistate basis. For teaching materials that discuss the policies and the hurdles of state attorney general consumer protection, see the materials from weeks 4 and 5 of the Syllabus: - [Consumer Protection](https://www.stateag.org/syllabus-2020/week-4) - [Multistate Advocacy & Private Counsel](https://www.stateag.org/syllabus-2020/week-5) The best source for information about state attorney general consumer protection is found at the [Consumer Protection hub](https://www.consumerresources.org/) of the National Attorneys General Training & Research Institute (NAGTRI). See also their [Center for Consumer Protection](https://www.naag.org/nagtri/centers/center-for-consumer-protection.php) and its [newsletter](https://www.naag.org/publications/nagtri-newsletters/consumer-protection-news.php). For tracking specific cases and settlements, including actual court filings, the best resource is the [State Litigation and AG Activity Database](https://attorneysgeneral.org/), a website maintained by Marquette Political Science Professor Paul Nolette. Prof. Nolette works closely with NAAG and the site is easily searchable and provides up-to-date information not found anywhere else. The database is augmented for past cases by [The State Center Consumer Protection Report](https://statecenterinc.org/cpi-newsletter/), a newsletter and website maintained by [The Center for State Enforcement of Antitrust and Consumer Protection Laws](https://thestatecenter.org/). Another important organization on the area of student loans is the [Student Borrower Protection Center](https://protectborrowers.org/). Other trusted organizations include the [AARP](https://www.aarp.org/ppi/issues/consumer-protection/), [The National Consumer Law Center](https://www.consumerfinance.gov/), and two federal agencies, the [Federal Trade Commission](https://www.ftc.gov/about-ftc/bureaus-offices/bureau-consumer-protection) and the [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/). For tech issues including privacy, see the [AG Tech Forum](https://www.stateag.org/initiatives/agtech-forum) hosted by the Berkman Center at Harvard Law School.
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