Are there consumer protections in place to protect against internet fraud?
Yes, there are consumer protections in place to protect against internet fraud in Hawaii. The Hawaii Consumer Protection Act and the Uniform Electronic Transactions Act (HRS) section 489D-10 provides consumers with legal remedies against fraud and deception on the internet. The Hawaii Consumer Protection Act prohibits the use of fraudulent or deceptive acts in the sale or advertisement of goods or services. It also outlines clear guidelines for internet sellers to follow in online transactions, such as providing an accurate description of the item being sold, having accurate pricing information, and providing customers with a return policy. Additionally, many credit card companies, banks, and online payment services in Hawaii provide consumers with various fraud protection programs, such as zero-liability policies and purchase protection. These fraud protection programs not only cover purchases made online, but also purchases made in person or over the phone. Finally, the Federal Trade Commission (FTC) has adopted the Telemarketing Sales Rule (TSR). This rule requires internet sellers to keep accurate records of transactions, provide clear contact information for customers, and protect customer privacy. The FTC also provides resources to help individuals protect themselves against identity theft and other online fraud. Overall, there are several consumer protection laws and services in place in Hawaii to protect consumers against internet fraud. By familiarizing themselves with the relevant laws and taking advantage of the fraud protection services provided by banks and online merchants, consumers can shop online with greater peace of mind.
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