| http://www.w3.org/ns/prov#value | - The 2012 consent orders addressed in this article were each rooted in the CFPB's jurisdiction over deceptive acts or practices.The CFPB and FTC agree on what factors must exist to show an act or practice is deceptive: (1) there was a representation, omission, or practice that is false, misleading, or likely to mislead consumers, (2) the consumer acted reasonably under the circumstances, and (3
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