Fee charged if a loan is paid off early. This is used to discourage consumers from paying off loans early.

A private right of action is defined as a right for a private person to bring a claim to protect one's rights under the law. Also known as consumer-led enforcement, it provides Oregonians with a way to hold businesses accountable and take proactive measures for themselves, their families, and their communities.   

Facts, details, or information collected about a person.

Ability to be left alone or have information kept to yourself.

This landmark consumer safety law gives Americans the right to know what they are eating and the contents of their medicines. Previously, companies could sell food and "patent medicines" with dangerous substances without disclosure. The Act mandates accurate ingredient listings and bans "cure-all" medicines with secret, harmful components.