This limits the ability for businesses to make use of telemarketing as an advertising technique. While most people feel that telemarketers are an annoyance, above all else, telemarketers have also been accused of deceptive practices. This act will make it easier to regulate businesses that use telemarketers. Already, in November 2007, "the FTC announced six settlements and a federal court action against companies that violated the Do Not Call provisions of the Telemarketing Sales Rule, resulting in millions of dollars in civil penalties for rule violations" (FTC Chairman and Commissioners Testify Before Senate Committee on Commerce, Science, and Transportation on proposed 'Federal Trade Commission Reauthorization Act of 2008'," FTC: Office of Public Affairs, 2008). Overall, the most potentially significant aspect of the act is its provisions regarding subprime mortgages. The dream of American home ownership for a long time has been taken as a given. However, legislators are beginning to question whether it is always suitable for all individuals to aspire to own a home, at least until they have the income and job stability to maintain their desired home. By enforcing greater transparency on the part of lenders, the act hopes to be doing the types of families who are currently in foreclosure a kind of retroactive favor, by ensuring future homebuyers know what they are getting into when signing a mortgage, so they are not allowed to mortgage their future away because of ignorance of how their payments are...
The greater transparency mandated by the act also requires the industry to make mortgages less confusing and attempts to ensure that legal language is not used as a method of concealing what really lies between the lines of contracts. The FTC will also be able to exercise greater vigilance against mortgage foreclosure rescue scams and lenders who fail to provide consumers with annual percentage rate information, as already required by law (Worton & Yoon 2008; FTC Chairman and Commissioners Testify Before Senate Committee on Commerce, Science, and Transportation on proposed 'Federal Trade Commission Reauthorization Act of 2008'," FTC: Office of Public Affairs, 2008).
All organizations and business have some form of ethical culture to carry out their goals, which cannot be inconsistent with the aims of utilitarianism. All organizations aim at the pleasure of achieving or creating something. This line of thought can be strictly infused into the awareness of employees during meetings or seminars. The goals of the theory may also be infused into new employees as part of their orientation.
Affirmative Action is an organization of policies and designed procedures aimed at assisting in the elimination of discrimination against women and other minorities in the human society, together with redressing the possibilities of past discrimination. As required by the Affirmative Action Plan's requirements, Affirmative Action was signed by President Johnson in 1965. It supported and revised by different presidents in the world. The intention of Affirmative Action is to have
Actually, state agencies and institutions of higher learning have continued to rely upon the Supreme Court decisions and federal legislation to enforce the policies of affirmative action since 1978. While there are no definitive answers on whether affirmative action policies and programs are necessary, scholars and civic leaders have been engaged in hot debates to determine the implications of measures to dismantle affirmative action policies and programs. There are various
White Privilege and Affirmative Action White Privilege Some people believe that the color of a person's skin matters a great deal in this world, that this racial marker determines the opportunities and potential successes that a person may have in their lifetime. Many people, particularly those who belong to historically marginalized groups such as African-Americans, Native Americans, or Hispanics, believe that being Caucasian or white guarantees an individual certain rights and privileges
Affirmative Action has a long history; going back to the felt need by President Franklin D. Roosevelt to avert a march on Washington, DC in 1941 by 100,000 African-Americans who were protesting discriminatory hiring practices in the defense industry (Anderson 22). The signing of Executive Order 8802 began the long, multi-decade process of ending Jim Crow policies, racial segregation, and other forms of discrimination in the military, government agencies, and
367) According to Sander, none of these questions have been asked effectively and therefore we as a nation continue to believe that affirmative action is a necessary social development for the creation of a more representative society, where disenfranchisement must be answered by active plans, policies and laws. Few of us would enthusiastically support preferential admission policies if we did not believe they played a powerful, irreplaceable role in giving nonwhites
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