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About
Get The Facts
Debt settlement
Credit Repair
Credit Counseling
Bankruptcy
Tax Resolution
Student Loan Relief
Legal Services
OCCAM For Businesses
Certification
Sign In
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Join OCCAM
Vendors with a Strong B2C Component
Vendors with a Strong B2C Component
Consumer Protection Regulations
Telemarketing Sales Rule (TSR)
Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
Data Privacy & Security for Consumer-Facing Products
Cybersecurity Protocols
Customer Support and Complaints Handling
Certification and Acknowledgment
Consumer Protection Regulations
Credit Repair Organizations Act (CROA)
Do your services fall under the definition of a "credit repair organization" as defined by CROA?
Yes
No
How does your company ensure compliance with CROA?
Do you provide clients with their cancellation rights as required by CROA?
Yes
No
Have you been audited or received any certifications related to CROA compliance?
Yes
No
Please provide documentation of any relevant audits or certifications.
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Telemarketing Sales Rule (TSR)
Does your company engage in telemarketing activities (inbound or outbound calls) related to consumer services?
Yes
No
How do you handle no Advance fee
How do you handle Required disclosures during telemarketing calls?
Do you maintain an internal Do Not Call (DNC) list and comply with the National DNC Registry?
Yes
No
How often do you train your telemarketing staff on TSR compliance?
Monthly
Quarterly
Annually
Other
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Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
Do your products or services, including advertising and sales practices, adhere to the UDAAP standards?
Yes
No
Please describe your policies and procedures to avoid UDAAP violations
Have you had any complaints or regulatory actions related to UDAAP in the past 3 years?
Yes
No
Please describe the nature of the complaint or action and its resolution.
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Data Privacy & Security for Consumer-Facing Products
Consumer Data Handling
Do you collect, process, or store any consumer personal data (e.g., names, addresses, credit card information, Social Security numbers)?
Yes
No
What types of consumer data do you handle?
Personally identifiable information (PII)
Financial information (e.g., payment data, credit scores)
Other
please specify
Compliance with Data Privacy Laws
Which data privacy laws do you comply with?
General Data Protection Regulation (GDPR)
California Consumer Privacy Act (CCPA)
Other
Please specify
How do you ensure compliance with the applicable data privacy laws?
Do you provide consumers with the ability to opt-out of data collection, access their data, or request deletion of their data?
Yes
No
Please describe the process for handling these consumer requests
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Cybersecurity Protocols
What cybersecurity measures do you have in place to protect consumer data?
Encryption (in transit and at rest)
Firewalls
Multi-factor authentication (MFA)
Regular security audits
Employee cybersecurity training
Other
Please specify
Have you experienced any data breaches in the past 5 years?
Yes
No
Please provide details on the breach and the steps taken to resolve it.
Third-Party Data Handling
Do you work with any third-party service providers that process or store consumer data on your behalf?
Yes
No
How do you ensure that these third-party vendors comply with your data security and privacy policies?
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Customer Support for Consumer-Facing Services
How do you provide customer support to consumers using your products or services?
Dedicated phone support
Email support
Live chat
Other
Please specify
Complaints Management
What is your process for handling consumer complaints or disputes?
Have you received any consumer complaints in the past 3 years related to your products or services?
Yes
No
How many complaints were received and what were the most common issues?
How quickly are consumer complaints typically resolved?
Within 24 hours
Within 48 hours
Within a week
More than a week
Refund and Cancellation Policies
Do you offer refunds or cancellation options for consumers?
Yes
No
Please describe the policy and the timeline for issuing refunds or processing cancellations
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Certification and Acknowledgment
Do you have any third-party certifications related to consumer protection, data security, or compliance (e.g., SOC 2, ISO 27001)
Yes
No
Please provide details or documentation
By signing below, you acknowledge that the information provided is accurate and complete to the best of your knowledge, and you agree to comply with OCCAM's standards for B2C vendors.
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