WorksheetsConsumer Rights JV Study Guide 24-25
Total questions: 96
Worksheet time: 48mins
In the US, the power to conduct elections is held by which level of government?
Federal government
State government
Local government
Judicial branch
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?”
Federal Reserve
Consumer Financial Protection Bureau (CFPB)
Federal Deposit Insurance Corporation (FDIC)
Securities and Exchange Commission (SEC)
The U.S. money supply is impacted the most by which federal agency’s policies?
Federal Reserve
Department of Treasury
Internal Revenue Service
Securities and Exchange Commission
Most states have “lemon laws.” These laws generally cover:
defective vehicles
expired food products
unfair banking practices
false advertising
The Bill of Rights guarantees which of the following rights?
Freedom of speech
Right to free healthcare
Right to travel internationally
Right to unlimited property ownership
To become a naturalized citizen of the US, you must meet which of the following requirements:
Be at least 18 years old
Be born in the United States
Hold a government job
Own property in the US
This federal agency prosecutes anticompetitive business practices:
Federal Trade Commission (FTC)
Internal Revenue Service (IRS)
Federal Communications Commission (FCC)
Securities and Exchange Commission (SEC)
Which of the following will remain on your credit report for 10 years?
A bankruptcy filing
A late payment
A hard inquiry
A paid collection
The Federal Anti-Tampering Act makes it a federal crime to alter or tamper with:
vehicle emission control devices
food packaging labels
pharmaceutical advertisements
bank statements
Caucus meetings are generally held in relation to this type of election:
Presidential primary
General election
Local school board election
Midterm election
When it comes to work, what is the FMLA?
Family and Medical Leave Act
Federal Minimum Labor Agreement
Flexible Management Labor Act
Fair Market Labor Association
The Federal Trade Commission Cooling Off Rule covers goods purchased:
at your home or at a location that is not the seller's permanent place of business
online from major retailers
in regular retail stores
through mail-order catalogs
Restrictions that apply to a 14 year old worker include:
Cannot work during school hours
Can work unlimited hours
Can operate heavy machinery
Can work overnight shifts
Social Security is paid for by: ________
Employees and employers
The government only
Retired individuals
Charitable organizations
Which of the following federal consumer protections is the oldest?
Sherman Antitrust Act
Fair Credit Reporting Act
Truth in Lending Act
Consumer Product Safety Act
People who buy products and services for their own use are: ________
Consumers
Retailers
Suppliers
Distributors
You want to sue your landlord because you think she unjustly kept your security deposit. You file in: ________
Small claims court
Supreme Court
Family Court
Traffic Court
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?
Fair Credit Reporting Act
Truth in Lending Act
Equal Credit Opportunity Act
Electronic Fund Transfer Act
The US Supreme Court hears cases involving the US Constitution. This power is called: ________
Judicial Review
Executive Order
Legislative Oversight
Presidential Veto
Under the Federal Trade Commission’s Eye Glass Rule, consumers are entitled to: ________
A copy of their eyeglass prescription at no cost
A free eye exam every year
Discounts on all eyewear purchases
A lifetime supply of contact lenses
People who buy products and services for their own use are: ________
Consumers
Retailers
Producers
Distributors
What law grants Congress the power to disapprove new rules formed by regulatory agencies?
Congressional Review Act
Administrative Procedure Act
Federal Register Act
Freedom of Information Act
In the US, which organization determines the official date when specific phases of the business cycle began?
National Bureau of Economic Research
Federal Reserve Board
U.S. Department of Commerce
Bureau of Labor Statistics
Which government agency is responsible for bicycle helmet safety?
Consumer Protection Commission
Department of Transportation
Food and Drug Administration
Federal Communications Commission
You buy detergent and expect it to work when used properly. This is called: ________
A warranty of merchantability
A warranty of fitness for a particular purpose
A warranty of title
A warranty of satisfaction
This federal agency is concerned with clean air, water, and land: ________
EPA
FDA
FBI
IRS
This government agency would take action against 'greenwashing' claims: ________
FTC
EPA
FDA
SEC
Who pays the cost of the Medicaid program?
Federal and state governments share the costs
Only the federal government pays the costs
Only the state governments pay the costs
Private insurance companies pay the costs
Products designed for sale in a specific chain of stores are known as: ________
Private brands
Generic brands
National brands
Licensed brands
Tabloid journalism is defined by: ________
Popular culture and exaggerated claims
Scientific research and peer review
Government policies and regulations
Historical documentation and accuracy
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 lien
A deed
A mortgage
A title
Which federal law established standards for the minimum wage?
Fair Labor Standards Act (FLSA)
Civil Rights Act
Social Security Act
Americans with Disabilities Act
The US economic system is a: ________
Mixed economy
Command economy
Traditional economy
Market economy
This symbol or design identifies a brand: ________
Logo
Motto
Slogan
Mascot
Which of these describes the fraud of 'skimming'? ________
Installing surveillance equipment on an ATM to record consumer’s bank account information
Using fake currency notes to make purchases
Phishing emails to steal personal information
Hacking into a bank’s database to access customer records
The Dept of Labor (DOL) fines a Miami construction company for safety violations. Which DOL division fined the construction company?
Occupational Safety and Health Administration
Wage and Hour Division
Employee Benefits Security Administration
Office of Federal Contract Compliance Programs
You’re writing a letter to a business to resolve a complaint. You should: ________
Be brief and to the point
Use informal language and jokes
Include unrelated personal stories
Make vague statements without details
Caucus meetings are generally held in relation to this type of election: ________
Presidential
Local
Senatorial
Gubernatorial
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: ________
Reconciliation
Depreciation
Amortization
Capitalization
The US Supreme Court hears cases involving the US Constitution. This power is called: ________
Judicial review
Executive privilege
Legislative oversight
Federalism
The inspection and approval of supermarket deli scales is the responsibility of: ________
Department of Agriculture
Department of Health
Department of Commerce
Department of Transportation
If a company will not sell you a product unless you pay to become a distributor of it, this company is likely running: ________
A pyramid scheme
A franchise model
A direct sales company
A subscription service
What federal agency is the principal fact finder in the area of labor economics?
Bureau of Labor Statistics
Federal Reserve Board
Department of Commerce
National Labor Relations Board
The US money supply is impacted the most by which federal agency’s policies?
The Federal Reserve
The Department of Treasury
The Internal Revenue Service
The Securities and Exchange Commission
Who regulates newspaper content?
The newspapers themselves
The government
The police
The judiciary
The Care Labeling Rule requires all of these to be included on a garment’s label except: ________
The color family of the garment
Washing instructions
Drying instructions
Ironing instructions
Which federal agency creates and enforces regulations to keep employees safe at work?
Occupational Safety and Health Administration
Environmental Protection Agency
Food and Drug Administration
Federal Communications Commission
The Federal Trade Commission’s Cooling Off Rule covers good purchased: ________
In your home
At a shopping mall
Online
At a retail store
This federal agency prosecutes anticompetitive business practices: ________
FTC
FDA
IRS
EPA
Cosmetics, tobacco products, and vaccines are all regulated by: ________
FDA
CDC
EPA
USDA
It is illegal for telemarketers who offer credit repair services to request payment until: ________
Services have been fully delivered
A contract is signed
The customer provides personal information
An initial consultation is completed
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:
Constitution
Legislation
Bill of Rights
Judiciary
Which labels provide important instructions on how to properly wash, dry, iron, and care for garments?
Care labels
Brand labels
Size labels
Price tags
What is a formal change or addition proposed or made to a law or constitution?
Amendment
Decree
Mandate
Resolution
What type of shopping involves signing up for regular deliveries of products, often offering convenience and savings through recurring purchases?
Subscription Shopping
Impulse Shopping
Window Shopping
Bulk Shopping
Which system requires male U.S. citizens and residents aged 18 to 25 to register for potential military conscription?
Selective Service
Social Security
Medicare
Federal Income Tax
__________ is a joint federal and state program that helps with medical costs for people with limited income and resources.
Medicaid
Medicare
Social Security
Unemployment Insurance
Which program provides food-purchasing assistance to low-income individuals and families in the U.S.?
Snap
Medicare
Unemployment Insurance
Social Security
In the context of washing machines, the __________ refers to the optimal cycle settings that effectively clean laundry without causing damage or excessive wear.
Sinners Cycle
Quick Wash Cycle
Heavy Duty Cycle
Eco Cycle
A __________ is an official document issued by a government, certifying the holder's identity and citizenship and allowing them to travel abroad.
Passport
Visa
License
Identity Card
What program provides temporary financial assistance to pregnant women and families with dependent children to help pay for food, shelter, utilities, and other expenses?
TANF
SNAP
Medicaid
Unemployment Insurance
__________ is a cleaning agent, often used in washing machines, that removes dirt and stains from clothes.
Detergent
Vinegar
Baking Soda
Bleach
What regulation requires manufacturers and importers to attach labels with care instructions to garments, ensuring consumers know how to properly maintain them?
Textile Fiber Products Identification Act
Fair Packaging and Labeling Act
Care Labeling Rule
Consumer Product Safety Improvement Act
Which organization develops and publishes technical standards for a wide range of materials, products, systems, and services?
ASTM International
World Health Organization
International Monetary Fund
United Nations Educational, Scientific and Cultural Organization
What program provides financial assistance to individuals who are elderly, blind, or disabled with little or no income?
Medicaid
Supplemental Security Income (SSI)
Social Security Retirement
Temporary Assistance for Needy Families (TANF)
The pictograms found on care labels provide guidance on how to wash, dry, and care for textiles. What are these pictograms called?
Laundry symbols
Brand logos
Size indicators
Material codes
__________ provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid.
CHIP
Medicare
Social Security
Unemployment Insurance
Which system of government is based on the principle of elected individuals representing the people, with decisions made by majority rule?
Monarchy
Democracy
Oligarchy
Dictatorship
The U.S. federal program that provides retirement, disability, and survivor benefits to eligible individuals is known as:
Medicare
Social Security
Unemployment Insurance
Medicaid
The collective name for the first ten amendments to the U.S. Constitution, guaranteeing essential rights and freedoms to individuals, is:
The Bill of Rights
The Federalist Papers
The Magna Carta
The Declaration of Independence
Which chemicals are used in laundry products to prevent soil and dirt from redepositing onto clean fabrics during the wash cycle?
Anti-redeposition agents
Bleaching agents
Fragrances
Optical brighteners
Which substances lower the surface tension between two liquids or between a liquid and a solid, commonly used in detergents and cleaning products?
Surfactants
Catalysts
Polymers
Electrolytes
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?
Direct Booking
Third-party Booking
Indirect Reservation
Travel Agency Booking
Which term describes the rate at which customers stop using a service or cancel their subscriptions within a given time period?
Churn
Acquisition
Retention
Engagement
In logistics and transportation, what term refers to a company or individual that transports goods or passengers from one place to another?
Carrier
Consignee
Broker
Shipper
A ________ is an online platform that allows users to compare and book travel services from various providers, often offering deals and discounts.
Third-party travel website
Personal blog
Government portal
Social media platform
What term refers to a voluntary payment given for services rendered, often in the form of a tip?
Gratuity
Salary
Invoice
Commission
What term describes fake or imitation goods made with the intent to deceive consumers into thinking they are genuine?
Counterfeit
Authentic
Original
Licensed
__________ 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.
Conversion Rate
Bounce Rate
Click-Through Rate
Impression Share
The term that describes someone who seeks to minimize expenses while traveling, often prioritizing low-cost accommodations and transportation, is:
Backpacker
Luxury traveler
Business traveler
Adventure seeker
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:
Visa
Passport
Residence Permit
Travel Insurance
A __________ is a professional who assists clients in planning and booking travel arrangements, including flights, accommodations, and tours
Travel Agent
Chef
Accountant
Electrician
The direct cost of producing goods sold by a company, including the cost of materials and labor directly used in production, is known as:
Operating Expenses
Cost of Goods Sold
Gross Profit
Net Income
What term describes the right of individuals to keep their personal information protected and free from unauthorized access or disclosure?
Privacy
Transparency
Accountability
Accessibility
__________ is the practice of creating a false impression of grassroots support for a product, cause, or organization by disguising the source of the message.
Astroturfing
Crowdsourcing
Greenwashing
Lobbying
A __________ is a market structure where a single company or entity has exclusive control over a product or service, limiting competition
Monopoly
Oligopoly
Perfect Competition
Monopsony
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?
Repossession
Refinancing
Amortization
Collateralization
A _________ is a court decision or order that settles a dispute and determines the rights and obligations of the parties involved.
Judgment
Appeal
Summons
Affidavit
Which term refers to an official appointed to investigate individuals’ complaints against maladministration or violations of rights in organizations?
Ombudsman
Auditor
Mediator
Inspector
What service delivers pre-portioned ingredients and recipes to subscribers’ homes, allowing them to prepare fresh meals conveniently?
Meal-kit delivery subscription
Grocery store membership
Online cooking classes
Restaurant reservation service
Food blog subscription
What term refers to any obstacle or inconvenience in the buying process that can cause potential customers to abandon their purchase?
Customer Friction
Sales Incentive
Product Placement
Brand Loyalty
Which feature is often altered in
Genetic engineering
Photosynthesis
Respiration
Digestion
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?
The right to redress
The right to free healthcare
The right to vote
The right to free education
The BBB (Better Business Bureau) shows transparency by:
publishing business ratings and reviews publicly
keeping business information confidential
only sharing information with government agencies
not allowing consumers to post reviews
Purpose of Lead Disclosure Rule: The Lead Disclosure Rule was established to:
Protect tenants and buyers from lead-based paint hazards.
Increase property values in older homes.
Promote the use of lead-based paint in renovations.
Reduce the cost of home inspections.
HIPA stands for ______ and its purpose is _______.
Health Insurance Portability and Accountability Act; to protect patient health information
Health Information Privacy Act; to regulate hospital billing
Hospital Insurance Protection Act; to provide insurance to hospitals
Health Industry Protection Act; to monitor healthcare providers
