Τρίτη 27 Μαρτίου 2018

U.S.A.'s latest

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Healthy Home, Healthy You

Doctors encourage yearly physicals to keep an eye on your health. The same goes for doing a check-up on your home. Keep your family safe by following these tips and identifying what things in your house or apartment could have negative impacts on your health.
Keep Your Home Healthy
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It's Time For Spring Cleaning!

Spring weather sometimes involves indoor cleaning, but don't forget to tidy up your wallet! This time of year is a great one to do some financial spring cleaning, such as reviewing your budget and checking your credit score. Use these tips and resources to get your finances order before the summer.  
Clean Up Your Finances
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The Federal Trade Commission’s Bureau of Consumer Protection (BCP) has filed a comment to the Bureau of Consumer Financial Protection in response to that agency’s request for information to help it assess the process it uses to issue Civil Investigative Demands (CIDs).
CIDs are a key tool in investigating potential law violations and bringing enforcement actions to stop illegal conduct and provide relief to consumers. A CID from either the FTC or the Bureau of Consumer Financial Protection may seek written answers to interrogatories, documents, tangible things, oral testimony, or some combination of all of these.
In particular, the Bureau of Consumer Financial Protection sought input “on how best to achieve meaningful burden reduction or other improvements” . . . while continuing to achieve its statutory and regulatory objectives. The FTC’s comment describes its experience with CIDs, including recent reforms.
“We applaud the Bureau of Consumer Financial Protection for undertaking a critical assessment of its investigative processes,” stated Thomas B. Pahl, Acting Director for BCP. “We hope our comment describing BCP’s experience with CIDs, including recent reforms, is valuable to the Bureau in making its investigative processes efficient and effective. We look forward to a continued partnership with the Bureau on this and other issues in pursuing the agencies’ shared goal of protecting American consumers.”
In response to the request for comment, the FTC’s Bureau of Consumer Protection explained its procedures for issuing consumer protection CIDs, provided feedback on Bureau of Consumer Financial Protection processes in response to specific requests for information, and outlined generally reforms that the FTC’s Bureau of Consumer Protection implemented in July 2017 related to consumer protection CIDs. Those include (1) adding more detail about the scope and purpose of investigations to give companies a better understanding of the information sought, (2) limiting the relevant time periods to minimize undue burden on companies and focus the Commission’s finite resources on investigating harms that have an immediate impact on consumers, (3) shortening and simplifying the instructions for providing electronically stored data, and (4) increasing response times for CIDs, where appropriate.
The Commission vote approving the comment was 2-0.
Acting Federal Trade Commission Chairman Maureen K. Ohlhausen today announced that David C. Shonka, the agency’s Acting General Counsel, is retiring from government and will join a private law practice.
Shonka has served as Acting General Counsel since March 2016, and previously held that position between January and June 2009 and October 2012 and June 2013. During his 41-year career at the FTC, Shonka has advised the Commission on a full range of issues; litigated many antitrust and consumer protection cases in the federal courts; tried cases in administrative proceedings; represented the Commission in appellate cases; and overseen revision of the FTC’s Rules of Practice.
“David has been a pillar of the FTC General Counsel’s office for decades, and the Commission has benefited immeasurably from his wisdom and extraordinary legal skill,” Acting Chairman Ohlhausen said. “I am grateful for David’s many years of service and wish him the best of luck with his new endeavors.”
Before March 2016, Shonka served as the FTC’s Principal Deputy General Counsel starting in April 2008. Shonka joined the office in 1977 as a staff attorney and later became Assistant General Counsel for Litigation. He oversaw the Office of General Counsel’s Litigation, Legal Counsel, and Policy Studies units. He also oversaw the agency’s FOIA, employment counsel, and Energy Counsel functions; was the first chair of e-Discovery Steering Committee; and regularly consulted on government law enforcement investigations. In 2015 he received the Presidential Rank Award of Meritorious Executive.
Before joining the FTC, Shonka was an associate in a Washington, D.C., law firm and a litigator in the Civil Division of the U.S. Department of Justice. He graduated from the University of Maine School of Law an
Tom Pahl, Acting Director of the Federal Trade Commission’s Bureau of Consumer Protection, issued the following statement regarding reported concerns about Facebook’s privacy practices:
“The FTC is firmly and fully committed to using all of its tools to protect the privacy of consumers. Foremost among these tools is enforcement action against companies that fail to honor their privacy promises, including to comply with Privacy Shield, or that engage in unfair acts that cause substantial injury to consumers in violation of the FTC Act. Companies who have settled previous FTC actions must also comply with FTC order provisions imposing privacy and data security requirements. Accordingly, the FTC takes very seriously recent press reports raising substantial concerns about the privacy practices of Facebook. Today, the FTC is confirming that it has an open non-public investigation into these practices.”
Bureau of Consumer Protection Business Center Blog Updates from the Federal Trade Commission

By Lesley Fair
Here’s the thing about nectar. It can be sweet, but sticky. People who paid Palo Alto-based Nectar Brand LLC for mattresses labeled “Designed and Assembled in the USA” thought they were getting a sweet deal. In fact, buyers were stuck with mattresses imported from China, already completed. The company, which also uses the names Nectar Sleep and DreamCloud, performed no assembly operations in the United States. Thus, the FTC’s complaint alleges that the company’s “Assembled in USA” claim is deceptive.
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Women's History Month Logo
In honor of Women's History Month, we're highlighting resources for women entrepreneurs. SBA oversees the Women's Business Centers network, which provides entrepreneurs (especially women who are economically or socially disadvantaged) comprehensive training and counseling on a variety of topics in several languages. Connect with an WBC near you!

National Small Business Week Virtual Conference
Register now for the #SmallBusinessWeek Virtual Conference! The U.S. Small Business Administration and SCORE Association will host a free, 3-Day Virtual Conference during National Small Business Week. The Virtual Conference offers all the best parts of an in-person conference, but without the hassle of traveling. Watch 12 educational webinars, get free business advice from mentors, pick up free information and resources from sponsors and network with fellow business owners.

Blogs

4 Ways Mom and Pop Businesses can outshine the competition
National Mom & Pop Business Owners Day is on March 29, 2018. Learn how to leverage the advantages that small businesses have over giant ones to help you compete in your marketplace.

Tax Credits for Your Business

Applying for business credit may be as simple as entering your information into an online form or filling out a hard application; but how can you improve your chances of approval?

Learning Center

Funding Options for Small Businesses


This self-paced training exercise is an introduction to financing options for your business. Topics include; determining your financial needs, loans, grants, venture capital, angel investors, crowd funding, and other financial options available to small businesses.

Launch the Course


Emerging Leaders Training
SBA's Emerging Leaders initiative provides free entrepreneurship education and training for executives of small businesses poised for growth. 2018 recruitment ends soon! Register before April.


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