Top 10 Consumer Protection Headlines from All Regions The United States Court of Appeals for the Seventh Circuit ruled that a borrower can discharge her student loans under the bankruptcy code. In a recent case, a company director and employee were penalised for engaging in conduct knownas "blowing". The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 imposes a new regulatory framework upon swap dealers, major swap participants and other counterparties to swaps, including end-users. The article discusses the key concerns in the report and explains the impact that its findings will have on businesses. This article discusses recent cases in which the ACCC has claimed misleading and deceptive advertising and marketing. Since opening for business in July 2011, the Consumer Financial Protection Bureau ("CFPB" or the "Bureau") has focused on regulating consumer financial markets and protecting consumers through studying markets, educating consumers, and enforcement. Almost two years after the passage of the Dodd-Frank Act, the overhaul of the US derivatives market is rapidly shifting into the implementation phase. The overall impact of an advertisement and not its dominant message must be considered when determining if it is misleading. Effective January 1, 2013, employers must revise Summary of Rights forms they provide to prospective and current employees as required under the Fair Credit Reporting Act. The Consumer Financial Protection Bureau issued a guidance bulletinannouncing that it will treat indirect auto lenders as creditors subject to the Equal Credit Opportunity Act. | 
