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Worksheets

Consumer Rights JV Study Guide 24-25

Total questions: 96

Worksheet time: 48mins

Name
Class
Date
1.

In the US, the power to conduct elections is held by which level of government?

a)

Federal government

b)

State government

c)

Local government

d)

Judicial branch

2.

Which federal agency requires mortgage, student loan, and credit card companies to “make prices clear up front, all risks made visible, and that nothing is buried in fine print?”

a)

Federal Reserve

b)

Consumer Financial Protection Bureau (CFPB)

c)

Federal Deposit Insurance Corporation (FDIC)

d)

Securities and Exchange Commission (SEC)

3.

The U.S. money supply is impacted the most by which federal agency’s policies?

a)

Federal Reserve

b)

Department of Treasury

c)

Internal Revenue Service

d)

Securities and Exchange Commission

4.

Most states have “lemon laws.” These laws generally cover:

a)

defective vehicles

b)

expired food products

c)

unfair banking practices

d)

false advertising

5.

The Bill of Rights guarantees which of the following rights?

a)

Freedom of speech

b)

Right to free healthcare

c)

Right to travel internationally

d)

Right to unlimited property ownership

6.

To become a naturalized citizen of the US, you must meet which of the following requirements:

a)

Be at least 18 years old

b)

Be born in the United States

c)

Hold a government job

d)

Own property in the US

7.

This federal agency prosecutes anticompetitive business practices:

a)

Federal Trade Commission (FTC)

b)

Internal Revenue Service (IRS)

c)

Federal Communications Commission (FCC)

d)

Securities and Exchange Commission (SEC)

8.

Which of the following will remain on your credit report for 10 years?

a)

A bankruptcy filing

b)

A late payment

c)

A hard inquiry

d)

A paid collection

9.

The Federal Anti-Tampering Act makes it a federal crime to alter or tamper with:

a)

vehicle emission control devices

b)

food packaging labels

c)

pharmaceutical advertisements

d)

bank statements

10.

Caucus meetings are generally held in relation to this type of election:

a)

Presidential primary

b)

General election

c)

Local school board election

d)

Midterm election

11.

When it comes to work, what is the FMLA?

a)

Family and Medical Leave Act

b)

Federal Minimum Labor Agreement

c)

Flexible Management Labor Act

d)

Fair Market Labor Association

12.

The Federal Trade Commission Cooling Off Rule covers goods purchased:

a)

at your home or at a location that is not the seller's permanent place of business

b)

online from major retailers

c)

in regular retail stores

d)

through mail-order catalogs

13.

Restrictions that apply to a 14 year old worker include:

a)

Cannot work during school hours

b)

Can work unlimited hours

c)

Can operate heavy machinery

d)

Can work overnight shifts

14.

Social Security is paid for by: ________

a)

Employees and employers

b)

The government only

c)

Retired individuals

d)

Charitable organizations

15.

Which of the following federal consumer protections is the oldest?

a)

Sherman Antitrust Act

b)

Fair Credit Reporting Act

c)

Truth in Lending Act

d)

Consumer Product Safety Act

16.

People who buy products and services for their own use are: ________

a)

Consumers

b)

Retailers

c)

Suppliers

d)

Distributors

17.

You want to sue your landlord because you think she unjustly kept your security deposit. You file in: ________

a)

Small claims court

b)

Supreme Court

c)

Family Court

d)

Traffic Court

18.

You applied for a credit card and were denied on the basis of inaccurate data on your credit report. Which of these protects you in correcting this information?

a)

Fair Credit Reporting Act

b)

Truth in Lending Act

c)

Equal Credit Opportunity Act

d)

Electronic Fund Transfer Act

19.

The US Supreme Court hears cases involving the US Constitution. This power is called: ________

a)

Judicial Review

b)

Executive Order

c)

Legislative Oversight

d)

Presidential Veto

20.

Under the Federal Trade Commission’s Eye Glass Rule, consumers are entitled to: ________

a)

A copy of their eyeglass prescription at no cost

b)

A free eye exam every year

c)

Discounts on all eyewear purchases

d)

A lifetime supply of contact lenses

21.

People who buy products and services for their own use are: ________

a)

Consumers

b)

Retailers

c)

Producers

d)

Distributors

22.

What law grants Congress the power to disapprove new rules formed by regulatory agencies?

a)

Congressional Review Act

b)

Administrative Procedure Act

c)

Federal Register Act

d)

Freedom of Information Act

23.

In the US, which organization determines the official date when specific phases of the business cycle began?

a)

National Bureau of Economic Research

b)

Federal Reserve Board

c)

U.S. Department of Commerce

d)

Bureau of Labor Statistics

24.

Which government agency is responsible for bicycle helmet safety?

a)

Consumer Protection Commission

b)

Department of Transportation

c)

Food and Drug Administration

d)

Federal Communications Commission

25.

You buy detergent and expect it to work when used properly. This is called: ________

a)

A warranty of merchantability

b)

A warranty of fitness for a particular purpose

c)

A warranty of title

d)

A warranty of satisfaction

26.

This federal agency is concerned with clean air, water, and land: ________

a)

EPA

b)

FDA

c)

FBI

d)

IRS

27.

This government agency would take action against 'greenwashing' claims: ________

a)

FTC

b)

EPA

c)

FDA

d)

SEC

28.

Who pays the cost of the Medicaid program?

a)

Federal and state governments share the costs

b)

Only the federal government pays the costs

c)

Only the state governments pay the costs

d)

Private insurance companies pay the costs

29.

Products designed for sale in a specific chain of stores are known as: ________

a)

Private brands

b)

Generic brands

c)

National brands

d)

Licensed brands

30.

Tabloid journalism is defined by: ________

a)

Popular culture and exaggerated claims

b)

Scientific research and peer review

c)

Government policies and regulations

d)

Historical documentation and accuracy

31.

This notice, found in public records and placed by a creditor, claims the property owner owes money and cannot legally sell the property until the debt is paid: ________

a)

A lien

b)

A deed

c)

A mortgage

d)

A title

32.

Which federal law established standards for the minimum wage?

a)

Fair Labor Standards Act (FLSA)

b)

Civil Rights Act

c)

Social Security Act

d)

Americans with Disabilities Act

33.

The US economic system is a: ________

a)

Mixed economy

b)

Command economy

c)

Traditional economy

d)

Market economy

34.

This symbol or design identifies a brand: ________

a)

Logo

b)

Motto

c)

Slogan

d)

Mascot

35.

Which of these describes the fraud of 'skimming'? ________

a)

Installing surveillance equipment on an ATM to record consumer’s bank account information

b)

Using fake currency notes to make purchases

c)

Phishing emails to steal personal information

d)

Hacking into a bank’s database to access customer records

36.

The Dept of Labor (DOL) fines a Miami construction company for safety violations. Which DOL division fined the construction company?

a)

Occupational Safety and Health Administration

b)

Wage and Hour Division

c)

Employee Benefits Security Administration

d)

Office of Federal Contract Compliance Programs

37.

You’re writing a letter to a business to resolve a complaint. You should: ________

a)

Be brief and to the point

b)

Use informal language and jokes

c)

Include unrelated personal stories

d)

Make vague statements without details

38.

Caucus meetings are generally held in relation to this type of election: ________

a)

Presidential

b)

Local

c)

Senatorial

d)

Gubernatorial

39.

The process a business uses to adjust its balances between the bank statement and the company’s books to arrive at the actual cash balance is called: ________

a)

Reconciliation

b)

Depreciation

c)

Amortization

d)

Capitalization

40.

The US Supreme Court hears cases involving the US Constitution. This power is called: ________

a)

Judicial review

b)

Executive privilege

c)

Legislative oversight

d)

Federalism

41.

The inspection and approval of supermarket deli scales is the responsibility of: ________

a)

Department of Agriculture

b)

Department of Health

c)

Department of Commerce

d)

Department of Transportation

42.

If a company will not sell you a product unless you pay to become a distributor of it, this company is likely running: ________

a)

A pyramid scheme

b)

A franchise model

c)

A direct sales company

d)

A subscription service

43.

What federal agency is the principal fact finder in the area of labor economics?

a)

Bureau of Labor Statistics

b)

Federal Reserve Board

c)

Department of Commerce

d)

National Labor Relations Board

44.

The US money supply is impacted the most by which federal agency’s policies?

a)

The Federal Reserve

b)

The Department of Treasury

c)

The Internal Revenue Service

d)

The Securities and Exchange Commission

45.

Who regulates newspaper content?

a)

The newspapers themselves

b)

The government

c)

The police

d)

The judiciary

46.

The Care Labeling Rule requires all of these to be included on a garment’s label except: ________

a)

The color family of the garment

b)

Washing instructions

c)

Drying instructions

d)

Ironing instructions

47.

Which federal agency creates and enforces regulations to keep employees safe at work?

a)

Occupational Safety and Health Administration

b)

Environmental Protection Agency

c)

Food and Drug Administration

d)

Federal Communications Commission

48.

The Federal Trade Commission’s Cooling Off Rule covers good purchased: ________

a)

In your home

b)

At a shopping mall

c)

Online

d)

At a retail store

49.

This federal agency prosecutes anticompetitive business practices: ________

a)

FTC

b)

FDA

c)

IRS

d)

EPA

50.

Cosmetics, tobacco products, and vaccines are all regulated by: ________

a)

FDA

b)

CDC

c)

EPA

d)

USDA

51.

It is illegal for telemarketers who offer credit repair services to request payment until: ________

a)

Services have been fully delivered

b)

A contract is signed

c)

The customer provides personal information

d)

An initial consultation is completed

52.

The fundamental set of principles and laws that outlines the powers and duties of a government and guarantees certain rights to its citizens is known as:

a)

Constitution

b)

Legislation

c)

Bill of Rights

d)

Judiciary

53.

Which labels provide important instructions on how to properly wash, dry, iron, and care for garments?

a)

Care labels

b)

Brand labels

c)

Size labels

d)

Price tags

54.

What is a formal change or addition proposed or made to a law or constitution?

a)

Amendment

b)

Decree

c)

Mandate

d)

Resolution

55.

What type of shopping involves signing up for regular deliveries of products, often offering convenience and savings through recurring purchases?

a)

Subscription Shopping

b)

Impulse Shopping

c)

Window Shopping

d)

Bulk Shopping

56.

Which system requires male U.S. citizens and residents aged 18 to 25 to register for potential military conscription?

a)

Selective Service

b)

Social Security

c)

Medicare

d)

Federal Income Tax

57.

__________ is a joint federal and state program that helps with medical costs for people with limited income and resources.

a)

Medicaid

b)

Medicare

c)

Social Security

d)

Unemployment Insurance

58.

Which program provides food-purchasing assistance to low-income individuals and families in the U.S.?

a)

Snap

b)

Medicare

c)

Unemployment Insurance

d)

Social Security

59.

In the context of washing machines, the __________ refers to the optimal cycle settings that effectively clean laundry without causing damage or excessive wear.

a)

Sinners Cycle

b)

Quick Wash Cycle

c)

Heavy Duty Cycle

d)

Eco Cycle

60.

A __________ is an official document issued by a government, certifying the holder's identity and citizenship and allowing them to travel abroad.

a)

Passport

b)

Visa

c)

License

d)

Identity Card

61.

What program provides temporary financial assistance to pregnant women and families with dependent children to help pay for food, shelter, utilities, and other expenses?

a)

TANF

b)

SNAP

c)

Medicaid

d)

Unemployment Insurance

62.

__________ is a cleaning agent, often used in washing machines, that removes dirt and stains from clothes.

a)

Detergent

b)

Vinegar

c)

Baking Soda

d)

Bleach

63.

What regulation requires manufacturers and importers to attach labels with care instructions to garments, ensuring consumers know how to properly maintain them?

a)

Textile Fiber Products Identification Act

b)

Fair Packaging and Labeling Act

c)

Care Labeling Rule

d)

Consumer Product Safety Improvement Act

64.

Which organization develops and publishes technical standards for a wide range of materials, products, systems, and services?

a)

ASTM International

b)

World Health Organization

c)

International Monetary Fund

d)

United Nations Educational, Scientific and Cultural Organization

65.

What program provides financial assistance to individuals who are elderly, blind, or disabled with little or no income?

a)

Medicaid

b)

Supplemental Security Income (SSI)

c)

Social Security Retirement

d)

Temporary Assistance for Needy Families (TANF)

66.

The pictograms found on care labels provide guidance on how to wash, dry, and care for textiles. What are these pictograms called?

a)

Laundry symbols

b)

Brand logos

c)

Size indicators

d)

Material codes

67.

__________ provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid.

a)

CHIP

b)

Medicare

c)

Social Security

d)

Unemployment Insurance

68.

Which system of government is based on the principle of elected individuals representing the people, with decisions made by majority rule?

a)

Monarchy

b)

Democracy

c)

Oligarchy

d)

Dictatorship

69.

The U.S. federal program that provides retirement, disability, and survivor benefits to eligible individuals is known as:

a)

Medicare

b)

Social Security

c)

Unemployment Insurance

d)

Medicaid

70.

The collective name for the first ten amendments to the U.S. Constitution, guaranteeing essential rights and freedoms to individuals, is:

a)

The Bill of Rights

b)

The Federalist Papers

c)

The Magna Carta

d)

The Declaration of Independence

71.

Which chemicals are used in laundry products to prevent soil and dirt from redepositing onto clean fabrics during the wash cycle?

a)

Anti-redeposition agents

b)

Bleaching agents

c)

Fragrances

d)

Optical brighteners

72.

Which substances lower the surface tension between two liquids or between a liquid and a solid, commonly used in detergents and cleaning products?

a)

Surfactants

b)

Catalysts

c)

Polymers

d)

Electrolytes

73.

What term refers to reserving travel services, such as flights or hotel stays, directly through the provider's website or booking system rather than through an intermediary?

a)

Direct Booking

b)

Third-party Booking

c)

Indirect Reservation

d)

Travel Agency Booking

74.

Which term describes the rate at which customers stop using a service or cancel their subscriptions within a given time period?

a)

Churn

b)

Acquisition

c)

Retention

d)

Engagement

75.

In logistics and transportation, what term refers to a company or individual that transports goods or passengers from one place to another?

a)

Carrier

b)

Consignee

c)

Broker

d)

Shipper

76.

A ________ is an online platform that allows users to compare and book travel services from various providers, often offering deals and discounts.

a)

Third-party travel website

b)

Personal blog

c)

Government portal

d)

Social media platform

77.

What term refers to a voluntary payment given for services rendered, often in the form of a tip?

a)

Gratuity

b)

Salary

c)

Invoice

d)

Commission

78.

What term describes fake or imitation goods made with the intent to deceive consumers into thinking they are genuine?

a)

Counterfeit

b)

Authentic

c)

Original

d)

Licensed

79.

__________ measures the percentage of visitors to a website or store who take a desired action, such as making a purchase or signing up for a service.

a)

Conversion Rate

b)

Bounce Rate

c)

Click-Through Rate

d)

Impression Share

80.

The term that describes someone who seeks to minimize expenses while traveling, often prioritizing low-cost accommodations and transportation, is:

a)

Backpacker

b)

Luxury traveler

c)

Business traveler

d)

Adventure seeker

81.

The official authorization or document issued by a country that allows a foreign traveler to enter, stay, or leave for a specified period is called:

a)

Visa

b)

Passport

c)

Residence Permit

d)

Travel Insurance

82.

A __________ is a professional who assists clients in planning and booking travel arrangements, including flights, accommodations, and tours

a)

Travel Agent

b)

Chef

c)

Accountant

d)

Electrician

83.

The direct cost of producing goods sold by a company, including the cost of materials and labor directly used in production, is known as:

a)

Operating Expenses

b)

Cost of Goods Sold

c)

Gross Profit

d)

Net Income

84.

What term describes the right of individuals to keep their personal information protected and free from unauthorized access or disclosure?

a)

Privacy

b)

Transparency

c)

Accountability

d)

Accessibility

85.

__________ is the practice of creating a false impression of grassroots support for a product, cause, or organization by disguising the source of the message.

a)

Astroturfing

b)

Crowdsourcing

c)

Greenwashing

d)

Lobbying

86.

A __________ is a market structure where a single company or entity has exclusive control over a product or service, limiting competition

a)

Monopoly

b)

Oligopoly

c)

Perfect Competition

d)

Monopsony

87.

What is the process by which a lender takes back property, such as a car or home, from a borrower who has defaulted on loan payments?

a)

Repossession

b)

Refinancing

c)

Amortization

d)

Collateralization

88.

A _________ is a court decision or order that settles a dispute and determines the rights and obligations of the parties involved.

a)

Judgment

b)

Appeal

c)

Summons

d)

Affidavit

89.

Which term refers to an official appointed to investigate individuals’ complaints against maladministration or violations of rights in organizations?

a)

Ombudsman

b)

Auditor

c)

Mediator

d)

Inspector

90.

What service delivers pre-portioned ingredients and recipes to subscribers’ homes, allowing them to prepare fresh meals conveniently?

a)

Meal-kit delivery subscription

b)

Grocery store membership

c)

Online cooking classes

d)

Restaurant reservation service

e)

Food blog subscription

91.

What term refers to any obstacle or inconvenience in the buying process that can cause potential customers to abandon their purchase?

a)

Customer Friction

b)

Sales Incentive

c)

Product Placement

d)

Brand Loyalty

92.

Which feature is often altered in

a)

Genetic engineering

b)

Photosynthesis

c)

Respiration

d)

Digestion

93.

The Fair Housing Act is a civil rights law that protects people from housing discrimination based on certain characteristics. Which of the following is a right provided by the Fair Housing Act?

a)

The right to redress

b)

The right to free healthcare

c)

The right to vote

d)

The right to free education

94.

The BBB (Better Business Bureau) shows transparency by:

a)

publishing business ratings and reviews publicly

b)

keeping business information confidential

c)

only sharing information with government agencies

d)

not allowing consumers to post reviews

95.

Purpose of Lead Disclosure Rule: The Lead Disclosure Rule was established to:

a)

Protect tenants and buyers from lead-based paint hazards.

b)

Increase property values in older homes.

c)

Promote the use of lead-based paint in renovations.

d)

Reduce the cost of home inspections.

96.

HIPA stands for ______ and its purpose is _______.

a)

Health Insurance Portability and Accountability Act; to protect patient health information

b)

Health Information Privacy Act; to regulate hospital billing

c)

Hospital Insurance Protection Act; to provide insurance to hospitals

d)

Health Industry Protection Act; to monitor healthcare providers