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this post was submitted on 11 Jul 2023
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Asklemmy
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It's not always so simple. I'm in Fintech so have to take the UDAAP course every year or so and the law is more consumer friendly than you'd expect, at least for the US. The deceptive bit is probably the most relevant. If the person signing them up for it told them "you won't be charged" but failed to mention that they would be charged later that is an example of a deceptive practice.
I work collections at a bank. The only thing UDAAP doesn't protect consumers against is their inability to read their account terms and their sense of entitlement.