CDAE 157 Consumer Law & Policy
Fall 2005

Lecture notes: In addition to the reading assignments below, there are lecture notes, linked from the course home page, for each topic. 

Cases: You can access the cases (indicated below in italics) using the links. If a link is not working, please let me know as soon as possible.

Reserve Reading: You can access the reserve reading through the UVM online reserves, linked below, or, if you're on campus, you can use the reserve desk at Bailey-Howe.

Statutes and Regulations: Assigned statutes and regulations are mentioned below but can be found using the links in the lecture notes. Any reading mentioned below not linked below is linked from the lecture notes in the section where it is referred to.



Schedule of Classes, Reading Assignments, Discussions and Assignments


Date Topic Reading Discussion/Assignment
Aug. 30
Introduction and Overview


Sept. 1
Introduction to Law and the Court System 44 Liquormart v. Rhode Island
Practice Discussion #1: Post to the discussion board:
your name; your class, your major, why you are taking this course, and whether you've taken an online course before.
Practice Discussion #2: Liquor Advertising--go to Introduction to Law & the Court System lecture outline section 4
Sept. 6
The Law of Contracts Contracts: Part I (Online reserves
Sept. 8
Contracts (cont.)


Sept. 13
The Law of Torts “Torts and Strict Liability” (Online reserves)  Discussion #1: shotgun traps--go to Torts lecture outline section 1
Sept. 15
Torts (cont.)


Sept. 20
The Common Law Prohibition of Deception and Misrepresentation Cushman v. Kirby
Swinton v. Whitinsville Savings Bank
Lindberg Cadillac v. Aron
Johnson v. Davis

Sept. 22
The Statutory Approach: Federal Regulation FTC v. Sterling Drug
Standard Oil of California v. FTC
FTC v. Colgate Palmolive
Assignment #1: Puffing--go to Federal Regulation lecture outline section 5
Sept. 27
The Statutory Approach: State Regulation Pennington v. Singleton
State v. Bissonnette
Poulin v. Ford Motor Co.
Peabody v. P.J.'s Auto Village
The Vermont Consumer Fraud Act
The Vermont False Pretenses Act
Assignment #2: deception--go to State Regulation lecture outline section 5
Sept. 29
Catch-up and Exam 1 review


Oct. 4
Exam #1

Oct. 6
Abuses at the Formation of the Contract: Bait Advertising State v. American TV & Appliance of Madison, Inc.
Vermont Consumer Fraud Rule CF103
Assignment #3: limitations on offers--go to Bait Advertising lecture outline section 2
Oct. 11
Abuses, cont.: Deceptive Pricing Spiegel, Inc. v. Federal Trade Commission
Vermont Consumer Fraud Rule CF 110
FTC Guide on Deceptive Pricing
Assignment #4: deceptive pricing--go to Deceptive Pricing lecture outline section 2
Oct. 13
Abuses, cont.: Home Solicitation Sales and Telemarketing Cole v. Lovett
Vermont Home Solicitation Sales Act
Bruntaeger v. Zeller
Assignment #5: telemarketing--go to Home Solicitation & Telemarketing lecture outline section 8
Oct. 18
Claims of Vermont Origin Vermont Consumer Fraud Rule CF 117
Proposed Final Rule CF 120, FAQ's and CRS Study
Assignment #6: Vermont origin claims--go to Claims of Vermont Origin lecture outline section 4
Discussion #2: Vermont origin claims--go to Claims of Vermont Origin lecture outline section 4
Oct. 20
Landlord and Tenant Law Hilder v. St. Peter
Vermont’s Landlord-Tenant Act
Assignment #7: lease analysis--go to Landlord & Tenant Law lecture outline section 2
Oct. 25
Warranties: Creation and Limitation Tracy v. Vinton Motors
Taterka v. Ford Motor Co.
Vermont's warranty law

Oct. 27
The Lemon Law The Vermont Lemon Law
Fact Sheet on the Lemon Law from the AG's web site
Pecor v. General Motors
Muzzy v. Chevrolet
Discussion #3: Muzzy decision--go to Lemon Law lecture outline
Nov. 1
Exam #2

Nov. 3
Credit: Disclosure Requirements Ford v. FTC
Remco Enterprises v. Houston
Truth-in-Lending--Reg. Z section 226.18 only
Vermont Consumer Fraud Rule CF 115

Nov. 8
Credit: Security Interests Williams v. Walker-Thomas Furniture Company
FTC Credit Practices Rule

Assignment #8: co-signer provision--go to Credit Security Interersts lecture notes section 7
Discussion #4: unconscionability--go to Credit Security Interersts lecture notes section 2

Nov. 10
Access to Credit: Credit Reports Pinner v. Schmidt
Vermont's Fair Credit Reporting Act

Nov. 15
Access to Credit: Discrimination Markham v. Colonial Mortgage Service
Miller v. American Express
Equal Credit Opportunity Act Regulations--Reg. B
Assignment #9: credit scoring--go to Credit Discrimination lecture notes section section 8
Nov. 17
Credit Card Problems Gray v. American Express
Israelewitz v. Manufacturers Hanover Trust Co.
Reg. Z--Sections 226.12 and 226.13 only
Discussion #5: liability for seller wrongdoing--go to Credit Card Problems lecture notes section 5
Nov. 22
Credit: Rights Against Holders in Due Course Tinker v. DeMaria Porsche Audi
Unico v. Owen
State v. Custom Pools
FTC Holder-in-Due Course Rule

Nov. 29
Credit: Repossession Williams v. Ford Mortor Credit
Chrysler Credit v. McKinney
Vermont's repossession law
Assignment #10: repossession practices--go to Repossession lecture notes section 5
Dec. 1
Credit: Debt Collection The Fair Debt Collection Practices Act 
[Sections 1692-1692o] 
Vermont Consumer Fraud Rule CF 104 
Fact sheet on debt collection (from the Vermont AG's web site)
Carbajal v. Capitol One 
Joseph v. MacIntyre Companies 

Dec. 6
Exam Review and Catch-up

Dec. 13
4:00 p.m.
Exam #3