Do You Know Your Consumer Rights?

What happens if you buy something faulty? What about when people mail you unsolicited goods, do you need to pay for them? Knowing your consumer rights is very important for the every day life. You can test your knowledge with the 20 questions below.


This quiz was created with entertainment purposes only. No part of it should be considered legal advice.

1. What do used car salesmen have to disclose when they try to sell you a car?

Major accidents the car has been in

History of the car’s repairs and maintenance

Whether or not the car is being sold with a warranty

2. Does an email exchange generally create an enforceable contract between the parties?

Yes, if the parties agreed

No, because emails are not introduceable in court

No, because the parties didn’t sign in ink

3. If you want to obtain a full refund for a product you are not satisfied with, you should return it to the merchant within:

1 day

7 days

30 days

4. Who is prevented from calling you if you sign up with the National Do Not Call Registry?

Businesses

Telephone surveyers

Political organizations and charities who call more than once per year

5. What types of payments must retailers accept?

At least cash and checks

They only have to accept what they want to accept

Cash, credit cards, and checks

6. What happens if a store’s computer rings up your item for a price higher than the shelf price?

You automatically get the item for free

You must pay the computer’s price

Unless the retailer has a pricing policy stating otherwise, you can buy the item for the shelf price

7. Do you have the right to return a purchased item for a full refund?

It depends upon the store’s refund policy

Yes, because the this right is protected by the Consumer Safety Act

Only if your receipt says so

8. What must your doctor do at the end of your contact lens fitting?

Order lenses for you

Give you a pair of lenses for free

Provide you with your prescription, even if you do not ask for it

9. What do merchants have to do to protect your credit card information?

Only display 5 digits of your credit card number on printed receipts

Process credit card transactions electronically

Shred all credit card receipts every week

10. Do dietary supplement marketers have to substantiate their health claims?

No, since they have freedom of speech in their marketing

Yes, they must have a reasonable basis for all product claims

No, as long as they provide refunds for unhappy customers

11. When you buy something through solicitation in your home, can you obtain a refund?

No; all home purchases are final

No, unless the seller provides a refund policy

Yes, depending upon your state’s Home Solicitation Act

12. If your debit card is lost or stolen, how soon must you report it to have no liability?

Immediately and before the card is used

Within 24 hours and before the card is used

Within 48 hours, regardless if the card has been used or not

13. The law that ensures fair competition and regulates trade in the United States is the:

Competition and Trade Act

Federal Trade Commission Act

Federal Trade Regulation

14. Do you have to pay for unsolicited items that are mailed to you (ex: CDs, DVDs)?

Yes, you must either return them or pay for them

Yes, if the shipper includes a postage-paid return mailer

No, unsolicited items are yours to keep for free

15. When can you get a free credit report from each of the three credit bureaus?

Every six months

Every year

Before you apply for a mortgage

16. How can a creditor take its money from your paycheck?

By getting a judgment against you and garnishing your wages

By suing your employer for the amount you owe

It is never possible for a creditor to take money from your paycheck

17. What happens if your FDIC-insured bank fails?

You get your money back, if smoeone buys the bank

You get up to $5,000 back

Your account is insured up to $100,000

18. It is unlawful for any creditor to discriminate against any applicant on the basis of:

Marital status

Employment status

Credit rating

19. If a merchant is not able to repair a faulty product that had a warranty:

The merchant must refund the price of the product

The merchant must replace the product

The consumer can elect between a full refund and a replacement

20. A company distributing a product that creates a substantial risk of injury to the public might be required to:

Send a mail notice each person that bought the product

Send a mail notice to each person who is a manufacturer, distributor, or retailer of such product

Send a mail notice to the U.S. Consumer Protection Commission