Organization's Selling Goods Should Know This Rule

rules

Brian Hurh “recently” reported on something in the Payment Law Advisor that has flown relatively under the radar. But organizations that sell goods over the internet will want to pay attention.

Currently, there is a law called the “Mail or Telephone Order Merchandise Rule” that governs the sale of goods over….well, the mail and telephone (note, the rule governs gifts promised with purchase (Gifts With Purchase) too so when I mention sales I am talking about those as well.)

By govern, I mean the rule provides certain conditions and obligations as to how sales over either medium must be carried out. Things such as when shipments must be made, when refunds must be made, and how refunds must be made are covered. There are also systems and processes that the rule encourages organizations put into place as well as record-keeping.

Up until this point, the only “internet” sales the rule covered were sales made when the internet was accessed through a telephone line (dial-up).

Now, the Federal Trade Commission is seeking to expand the rule”s scope by covering all internet sales regardless of how the internet is accessed. Other things the FTC is looking to change in the rule are:

  •  How payments currently not addressed in the rule, such as debit and gift cards, should be treated.
  • When refunds must be issued if a third party credit card is used by the Buyer.
  • How refunds must be issued by a Seller and when.

Pursuant to a bunch of laws I won”t get into, the FTC opened these changes up for comments by the public. The period for these comments closed at the end of last year and many people believe this sets the stage for the changes to become law soon.

As a fun fact for your next party, and to get an idea of how prevalent an issue this is…

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 Source: http://www.ftc.gov/os/fedreg/2011/09/110930mailtelenotice.pdf

…out of the 146,633 claims the FTC referred out for further investigation, roughly 20% of them dealt with internet sales where  goods weren”t delivered.Definitely not a small number.

Again, its worth the 15-20 mins. to check this rule out. If for no other reason than to glean a better understanding of what your obligations are when you decide to sell things to earn income. Clearly this is something that”s on the FTC”s radar and the types of sales excepted from the rule are next to none. More importantly, the FTC has actually filed quite a few actions for violations against this rule as well as violations of the rules dealing with gifts with purchase (so think twice next time you think that unicorn pencil set you promised to send with those t-shirts won”t be missed.)

The blog I mentioned earlier has a really good chart detailing some of the differences  proposed (if you”re interested) here and a copy of the rule as it will look with the proposed amendments here.

 

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