The United States’ large and complex economy offers perhaps the broadest potential for products and services in history, but with such opportunities come the risk of scams, fraud, and outright theft. The principle of caveat emptor or “buyer beware” in modern parlance, still applies as much as it has since the dawn of commerce. In today’s economy, however, a consumer can fall victim to a seller of goods or services, a bank, a debt collector, or another business that takes advantage of its position to engage in deception or fraud. We have devised ways, in the form of both common law and federal and state statutes, to protect consumers’ rights and interests.