Law & Legal Environment Comprehensive

 Law & Legal Environment Comprehensive

1.consumer credit— a problem Bud is unable to obtain a loan from a local bank without some form of additional assurance for the bank that the loan will be repaid. Bud comes to you for assistance. You are willing to help Bud, but you wish to protect yourself from liability as much as possible. Would the bank prefer a surety or guaranty? If your oral assurances are enough to solidify the loan, has a surety or guaranty been formed? about 100 words

2.consumer credit–FTC The free market concept of business has driven the US economy for decades. “Caveat emptor” has been the tradition of business until fairly recent times. Now some would say that with government regulation of consumer transactions, the correct motto is “caveat venditor“! Should the Federal Trade Commission take a hands-off approach to regulating deceptive advertising? Should consumers be responsible for verifying the claims in advertisements? Why or why not? In what circumstances might regulation be most appropriate? about 100 words

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