The FTC is primarily a law enforcement agency. We enhance competition and protect consumers through court and administrative actions.
Health Care
In the past year, the Commission has continued its work to preserve competition in a variety of health care markets. Competition helps to encourage cost containment, promotes higher quality care and increased access, and spurs the development of innovative new treatments.
The Commission uses its enforcement authority to prevent anticompetitive mergers that would allow health care providers to raise rates or decrease quality for vital health care services. In 2018, the Commission continued to oppose the merger of Sanford Health and rival physician services provider, Mid Dakota Clinic. A federal district court granted the FTC’s request to enjoin the merger, finding that the combination was likely to increase Sanford’s ability to demand higher reimbursement rates from commercial health plans for its affiliated doctors practicing near Bismarck, North Dakota. The parties have appealed and the case is pending before the Eighth Circuit. In a consent decree, the Commission, in collaboration with the Hawaii Attorney General, maintained competition for inter-island air ambulance transport services in Hawaii by requiring the only two providers of air ambulance services in Hawaii to sell four fixed-wing aircraft to an FTC-approved buyer as a condition of allowing the two companies to merge.
The Commission also maintains a robust program to stop pharmaceutical companies’ anticompetitive conduct designed to stave off generic competition. The Commission secured an important victory when a federal district court awarded $448 million in monetary relief for consumers after finding that drug maker AbbVie Inc. used sham litigation to illegally maintain its monopoly over the testosterone replacement drug, Androgel. The Commission also achieved another milestone in its efforts to put an end to harmful reverse-payment patent settlements by obtaining a broad order that prevents Teva, the world’s largest generic drug maker, from entering into collusive agreements that prevent price competition by keeping generic drugs off the market. The global settlement resolved outstanding claims against the company in three pending cases. Similarly, on the eve of trial, the Commission settled its long-running case against Actavis, Inc., which was remanded for trial after the U.S. Supreme Court found that the company’s reverse-payment patent settlements are subject to antitrust scrutiny. Under the settlement, the current owner of the last remaining defendant is prohibited from entering into certain patent infringement settlement agreements that restrict generic entry for certain drugs and contain common forms of reverse payments.
The Commission also initiated an administrative proceeding against three dental product distributors, charging that the companies conspired to refuse to serve or provide discounts to buying groups representing dental practitioners. According to the complaint, these buying groups sought lower prices for dental supplies and equipment on behalf of solo and small-group dental practices by aggregating and leveraging the collective purchasing power of the individual practices.
Stopping false and deceptive health claims continues to be a priority goal of the Commission’s consumer protection mission.
In the Regenerative Medical Group case, Dr. Bryn Jarald Henderson, D.O., and the two companies he controls, settled charges of deceptively advertising that “amniotic stem cell therapy” can treat serious diseases, including Parkinson’s disease, autism, macular degeneration, cerebral palsy, multiple sclerosis, and heart attacks. The settlement also imposed a partially suspended $3.31 million judgment and required the defendants to notify current and former patients about the order within 30 days.
The FTC brought charges against the Nobetes Corporation and its two officers, alleging that their claims that the Nobetes pill treats diabetes are false or unsubstantiated. According to the complaint, the defendants continued to make diabetes benefit claims even after the U.S. Food and Drug Administration (FDA) and the FTC warned them that they needed reliable scientific evidence. The order requires them to pay $182,000 and prohibits the company and its officers from undertaking future deceptive practices.
In one of the largest-ever judgments against an ad agency, the FTC obtained a $2 million judgment against Marketing Architects, Inc., an advertising agency that created and disseminated allegedly deceptive radio ads for weight-loss products marketed by its client, Direct Alternatives. The order also bans defendants from making any of the seven “gut-check” weight loss claims that the FTC has publicly advised are always false with respect to any dietary supplement, over-the-counter drug, or any product rubbed into or worn on the skin.
The FTC also worked with other agencies to coordinate action in relation to treatments for opioid addition and related to the use of tobacco and nicotine. The FTC and the FDA posted warning letters to 11 marketers and distributors for illegally marketing products with unproven claims about the products’ ability to help in the treatment of opioid addiction and withdrawal. In addition, the Commission, in coordination with the Substance Abuse and Mental Health Services Administration (SAMHSA) of the U.S. Department of Health and Human Services (HHS), issued a fact sheet to help consumers get real help for opioid addiction or withdrawal, while avoiding products that promise but do not deliver help.
Finally, as part of ongoing efforts to protect youth from the dangers of nicotine and tobacco products, the FTC and the FDA jointly to manufacturers, distributors, and retailers for selling e-liquids used in e-cigarettes with labeling and/or advertising that resemble kid-friendly food products, such as juice boxes, candies, or cookies, some of them with cartoon-like imagery. Several of the companies receiving warning letters also were cited for illegally selling the products to minors.
Technology
Competition in technology sectors can be especially important in driving innovation and growth in the economy, leading to new products, better quality, and lower prices that benefit consumers.
In response to the growing importance of technology in our economy, the Bureau of Competition recently established a new Technology Task Force to look closely at the conduct of technology firms, especially those that hold significant market power. The Technology Task Force will help FTC staff deepen the agency’s understanding of technology markets and promote vigorous and effective antitrust enforcement in this critical area of the economy.
To maintain competition among innovative companies selling management platforms to auto dealers, the Commission stopped the merger of CDK and Auto/Mate. Even though Auto/Mate was small at the time of the merger, it was having an outsized impact on competition with its lower prices, flexible contract terms, and willingness to integrate third-party apps. The parties abandoned their merger after the Commission challenged it as anticompetitive. The Commission also took action to preserve competition related to Northrop Grumman’s proposed merger with Orbital ATK. Northrop supplies the U.S. government with missile systems, including tactical missiles, strategic missiles, and missile defense interceptors, and Orbital ATK is the premier supplier of solid rocket motors, an essential input for missile systems. In close cooperation with the U.S. Department of Defense, the FTC required a firewall and non-discrimination provisions to prevent the vertical merger from reducing competition for missile systems, resulting in less innovation and higher prices for taxpayers.
In early 2019, Commission staff presented evidence before a federal district court on charges that Qualcomm, the world’s dominant supplier of baseband processors, is using anticompetitive tactics to maintain its monopoly over these key semiconductor devices, which are used in cell phones and other consumer products. The FTC’s complaint alleges that Qualcomm has used its dominant position as a supplier of certain baseband processors to impose onerous and anticompetitive supply and licensing terms on cell phone manufacturers and to weaken competitors.
On the consumer protection front, the FTC continued its fight against robocalls and related technology-enabled telemarketing violations. The Commission filed a complaint and motion for preliminary injunction in federal district court alleging that Alliance Security Inc., a home security installation company, and its founder called millions of consumers whose numbers are on the National Do Not Call (DNC) Registry. According to the FTC, Alliance and its CEO and founder Jasjit “Jay” Gotra are recidivist violators of the Commission’s Telemarketing Sales Rule (TSR) and never complied with an earlier court order against them. Two of Alliance’s authorized telemarketers and their principals agreed to settle the charges, including a permanent ban from telemarketing. Litigation continues against the remaining defendants.
In Net Dot Solutions, the FTC alleged that James “Jamie” Christiano and the companies he controls bombarded consumers with more than one billion illegal robocalls annually. The agency also filed charges in federal court to stop two related operations and their principals who allegedly facilitated billions of illegal robocalls to consumers nationwide, pitching everything from auto warranties to home security systems and supposed debt-relief services.
The FTC has charged Pointbreak Media, LLC., and its affiliated companies with deceiving small business owners by falsely claiming to represent Google, threatening businesses with removal from Google search results, and promising first-place or first-page placement in Google search results. According to the FTC’s complaint, the defendants also took money from some of their customers’ checking accounts without authorization. The court has appointed a receiver over the operation and has frozen the defendants’ assets during litigation.
Consumer Products and Services
The Commission works to prevent anticompetitive mergers and conduct that could lead to higher prices or fewer choices for purchases consumers make every day. This year, the Commission stopped a merger between the country’s two leading brands of cooking oil, Wesson and Crisco, charging that the merger was likely to result in higher prices for canola and vegetable oils sold in grocery stores.
The Commission also found that 1-800 Contacts, the nation’s largest online retailer of contact lenses, unlawfully orchestrated a web of anticompetitive agreements with rivals that suppressed competition in online search advertising auctions, restricting advertising to consumers and resulting in some consumers paying higher retail prices for contact lenses. The respondents have appealed the case to the Second Circuit.
The antitrust laws protect workers from illegal agreements among employers not to compete on wages; this anticompetitive conduct can depress wages. The FTC put an end to such an agreement between a Texas company that provides physical therapist staffing services to home health agencies, its owner, and the former owner of a competing staffing company. According to the complaint, the two owners agreed to lower their therapist pay rates to the same level and invited several of their competitors to lower their rates in an attempt to keep therapists from switching to staffing companies that paid more, in violation of the FTC Act. The Commission staff found no evidence that the two companies had implemented their agreement to lower pay rates to the agreed levels.
In the Roca Labs case, a U.S. district court granted the FTC’s motion for summary judgment against the weight-loss supplement marketer, including allegations that the company’s enforcement of “gag clauses” to stop consumers from posting negative reviews is unfair and likely to cause substantial harm. The court ordered defendants to pay more than $25 million to the FTC for consumer redress and disgorgement.
The Commission filed charges against Lending Club, an online lending company that allegedly deceived potential borrowers by falsely promising them loans with no hidden fees, claiming that they were approved for loans when they were not, and taking money from borrowers’ bank accounts without authorization.
The FTC settled its charges that online student loan refinancer SoFi misrepresented how much money student loan borrowers have saved or will save from refinancing their loans with the company. As part of the proposed settlement, SoFi must not misrepresent consumers’ savings unless their claims are backed up with reliable evidence.
Stopping Activities Related to Fraud
The FTC led Operation Donate with Honor, a coordinated effort of more than 100 law enforcement actions to target fraudulent and deceptive fundraising purportedly for military and veterans causes. The Commission joined with 54 Attorneys General from the states, the District of Columbia, American Samoa, Guam, and Puerto Rico, plus 16 additional state agencies that oversee charities. As part of the initiative, the FTC announced two cases. In , the Commission alleged that the defendants collected more than $20 million by falsely claiming that donations would help veterans in need. Instead, the donated funds went to the operator of the fake charity and their for-profit fundraisers. The proposed settlement bans an individual defendant from charity management for life and imposes a $20.4 million judgment that will be partially suspended when he pays $1.75 million and the corporate defendant pays $72,000, which represents all the organization’s remaining funds. In the second case, the with making illegal robocalls to solicit donations for fake charities with seemingly legitimate names. At the FTC’s request, a federal judge in Utah issued a temporary restraining order prohibiting Peterson from placing unlawful robocalls or making misrepresentations about charitable donations while the case proceeds.
At the FTC’s request, in the Sanctuary Belize case, a federal district court temporarily shut down the largest overseas real estate investment scam the FTC has ever targeted. According to the FTC, Andris Pukke, a recidivist con artist, created the scam and perpetuated it even while serving a prison sentence for obstruction of justice. Due to the defendants’ fraudulent claims, consumers either have lost, or will lose, some or all of their investments. In filing the complaint against Pukke and a range of other defendants, the FTC is seeking to permanently stop the scheme and obtain a court order requiring them to turn over hundreds of millions of dollars to compensate deceived U.S. investors. The FTC also filed three contempt motions against several of the individual defendants for violating a 2006 FTC order against them.
Sunkey Publishing and others, the operators of copycat websites, army.com and navyenlist.com, settled the FTC’s charges that they targeted and tricked people seeking to join the armed forces to generate sales leads for post-secondary schools. The complaint alleges that the defendants promised to use the information consumers submitted to the site only for military recruitment purposes and not to share it with anyone else. Instead, the defendants sold the information as marketing leads to post-secondary schools for $15 to $40 per lead. The two proposed orders require the defendants to turn over to the FTC the websites used to deceive consumers.
The FTC continued its crackdown on all players in the phantom debt chain, including those who sell fake debt portfolios and those who harass consumers to collect the phony debt. For instance, the FTC and the New York Attorney General’s Office charged debt broker Hylan Asset Management LLC, and its owner, Andrew Shaevel, with running a scheme to collect money from consumers on fake and unauthorized debts. According to the FTC, Hylan bought, placed for collection, and sold lists of phantom debts, including debts that the defendants had fabricated or that consumers had disputed.
At the FTC’s request, a federal court ordered Credit Bureau Center, LLC, and its owner, Michael Brown, to pay more than $5.2 million to the FTC to return to consumers. The FTC charged that they deceived people with fake rental property ads, lured them with phony promises of “free” credit reports, and tricked them into enrolling in a costly monthly credit monitoring service. The court order granted the FTC’s motion for summary judgment and entered a final judgment and order that banned Brown and his company from selling any credit monitoring service with a negative option feature, and from misrepresenting material facts about any product or service.
A federal district court granted the FTC’s request to stop Triangle Media Corporation from deceptively advertising free trial offers. According to the FTC’s complaint, the defendants sold skin creams, electronic cigarettes, and dietary supplements online. Consumers who clicked on their ads – placed through third-party websites, blog posts, and surveys – would end up at the defendants’ websites, which, the complaint alleged, claimed to offer trials of these products for just the cost of shipping. The defendants not only charged consumers full-price for the trial product, but also enrolled them in expensive, ongoing continuity plans without their knowledge, and made it difficult to cancel or get a refund. The court order temporarily stopped the operation, froze its assets, and appointed a temporary receiver over the business. The FTC is seeking an injunction permanently barring the defendants from such practices in the future.
The FTC has continued its fight against phony student debt relief. In the ongoing case against CD Capital Investments, LLC, the FTC moved to add two new defendants, Capital Sun Investments, LLC, and its manager, Jimmy Calderon. In November 2018, a court order shuttered the scheme, which allegedly bilked consumers out of millions of dollars using false promises that they could reduce their monthly payments, or eliminate or reduce their student loan debt.
In another student loan debt relief scam, the FTC settled its charges against Alliance Document Prep, LLC, which allegedly swindled millions from consumers by misrepresenting an affiliation with the U.S. Department of Education or consumers’ loan servicers, and falsely claiming to enroll people in loan forgiveness programs. The settlements are part of Operation Game of Loans, a coordinated federal-state law enforcement initiative targeting deceptive student loan debt relief scams announced by the FTC in October 2017.
In its first case charging violations of the Consumer Review Fairness Act, the FTC, with the State of Minnesota, settled charges that Sellers Playbook, a business opportunity scheme, lured potential buyers into believing that they would likely earn thousands of dollars a month selling products on Amazon. The settlement prohibited the defendants from making unsupported earnings claims and suppressing consumers’ reviews of defendants’ products or services, and required them to turn over significant assets for consumer redress. The settlement order also imposed a $20.8 million judgment against the defendants, which will be suspended when they surrender all funds held in any corporate accounts. The Act was passed in response to reports that some businesses try to prevent people from giving honest reviews about products or services they received.
Money for Consumers
The FTC and the DOJ are using funds obtained from a settlement with MoneyGram to give money back to people who used the wire transfer service to send funds to scammers. In a 2009 settlement with the FTC, MoneyGram agreed to make it harder for con artists to use MoneyGram to defraud consumers. However, the FTC and DOJ charged that MoneyGram had not abided by its order to reduce fraud. This led to the FTC and DOJ obtaining a new settlement with MoneyGram for $125 million. That money will eventually go back to people who wired – and lost – money to scammers through MoneyGram.
Once an FTC lawsuit or settlement is final and the defendants have paid the money the court orders, the FTC’s Office of Claims and Refunds develops a plan for returning that money to the right people. In its Annual Report on Refunds to Consumers, the Commission described its refund efforts, which resulted in dozens of mailings to consumers to send $122 million in refunds. The agency also supported refund programs administered by FTC defendants or another federal agency to deliver more than $2.3 billion in refunds.
The FTC with DOJ mailed 1.1 million refund checks totaling more than $505 million to people deceived by AMG Services, Inc., and Scott A. Tucker, who operated a massive payday lending scheme. As a result of AMG and Tucker’s false promises, consumers paid far more for the loans than they had originally agreed to pay.
Privacy
In the largest civil penalty the FTC has obtained against a background screening company, RealPage agreed to pay $3 million to settle the FTC’s charges that it did not take reasonable steps to ensure the accuracy of tenant screening information that it provided to landlords and property managers. According to the FTC, that failure is a violation of the Fair Credit Reporting Act, which caused some potential renters to be falsely associated with criminal records.
In the largest civil penalty ever obtained by the Commission in a children’s privacy case, the FTC charged the video social networking app Musical.ly (now known as TikTok) with illegally collecting personal information from children. The FTC’s complaint alleges that Musical.ly violated the Children’s Online Privacy Protection Act (COPPA), which requires that websites and online services directed to children obtain parental consent before collecting personal information from children under the age of 13. User accounts were public by default, which meant that other users could see a child’s profile bio, username, picture, and videos. The operators of the Musical.ly app were aware that a significant percentage of users were younger than 13 and received thousands of complaints from parents that their children under 13 had created Musical.ly accounts, according to the FTC’s complaint. In addition to the monetary payment, the settlement also requires the app’s operators to comply with COPPA going forward, and to take offline all videos made by children under the age of 13.
Uber Technologies, Inc., agreed to expand the proposed settlement it reached with the FTC in 2017 over charges that the ride-sharing company deceived consumers about its privacy and data security practices. After the announcement of the 2017 proposed settlement, the Commission learned that Uber had failed to disclose a significant breach of consumer data that occurred in 2016 – in the midst of the FTC’s investigation that led to the 2017 settlement announcement. The revised settlement could subject Uber to civil penalties if it fails to notify the FTC of certain future incidents involving unauthorized access of consumer information.
Katrina Moore and her affiliates sold fake documents – pay stubs, income tax forms, and medical statements – used to facilitate identity theft and other frauds. As part of their settlement with the Commission, they agreed to permanently shut down their businesses. The settlement also prohibits the defendants from advertising, marketing, or selling any fake documents or services, and prohibits them from providing any means to others to make misrepresentations about an individual’s identity, finances, residency, taxes, or employment.
The FTC approved settlements with four companies over allegations that they falsely claimed certification under the EU-U.S. Privacy Shield framework, a process to allow companies to transfer consumer data from European Union countries to the United States in compliance with EU law. In separate complaints, the FTC alleged that IDmission, LLC; mResource, LLC; SmartStart Employment Screening, Inc.; and VenPath, Inc. falsely claimed to be certified under the EU-U.S. Privacy Shield.
Electronic toy manufacturer VTech Electronics Limited and its U.S. subsidiary agreed to settle charges by the FTC that the company violated COPPA by collecting personal information from children without providing direct notice and obtaining their parent’s consent, and failing to take reasonable steps to secure the data it collected. VTech will pay $650,000 as part of the settlement with the FTC.
Mobile phone manufacturer BLU Products, Inc, and its co-owner settled the FTC’s allegations that the company allowed a China-based third-party service provider to collect detailed personal information about consumers, such as text message contents and real-time location information, without their knowledge or consent, despite promises by the company that it would keep such information secure and private.
Industrial and Manufactured Goods
The Commission works to maintain competitive markets for industrial and manufactured goods. The FTC blocked two proposed industrial mergers that would have harmed competition and customers. The FTC challenged the proposed merger of Wilhelmsen and Drew Marine, alleging that the merger would substantially lessen competition in the supply of marine water treatment chemicals and services to global fleets. After a federal district court granted the Commission’s request for a preliminary injunction, the parties abandoned the transaction. In another matter, the FTC challenged the proposed merger of Tronox Limited and Cristal, alleging that the transaction was likely to harm competition in the North American market for chloride process titanium dioxide, a pigment used in paints, plastics, paper, and other products. A federal court enjoined the merger, and an administrative judge found that the merger was anticompetitive because it increased the risk of coordinated behavior in the post-merger market. This matter is on appeal to the Commission.
At the end of 2018, the Commission took action to preserve competition for PET resin used to make plastic bottles and other products. The Commission required three PET resin producers to restructure their transaction and agree to other conditions to settle charges that their proposed $1.1 billion joint acquisition of an under-construction PET production facility would violate federal antitrust law. To maintain competition after the merger of two international industrial gas suppliers, the FTC required Praxair and Linde to sell assets in nine industrial gas product markets, such as liquid oxygen, hydrogen, and helium.
Energy
Promoting competitive energy markets is another Commission priority. In 2018, the Commission challenged two mergers involving retail fuel stations and convenience stores. In a merger that would have combined the 7-Eleven network with about 1,100 Sunoco retail fuel outlets, the Commission required divestitures to preserve gasoline competition in 76 local markets. To resolve concerns that Marathon’s acquisition of Express Mart would reduce competition for both retail gasoline and retail diesel fuel, the Commission required divestitures of retail fuel assets in Farmington, Fayetteville, Johnson City, Rochester, and Whitney Point, New York.
International Â鶹´«Ã½ Efforts
The FTC cooperates on investigations and enforcement actions with competition, consumer protection, and privacy agencies in other countries to halt deceptive, unfair, and anticompetitive business practices that affect U.S. consumers.
In 2018, the FTC cooperated on 43 merger and anticompetitive conduct cases of mutual concern with international counterpart agencies around the world, including in Australia, Argentina, Brazil, Canada, Chile, China, Colombia, the European Union, Germany, Italy, Japan, Korea, Mexico, New Zealand, Saudi Arabia, Singapore, South Africa, Taiwan, and the United Kingdom. Many of these matters involved cooperation with several foreign agencies. For example, during its review of the Praxair/Linde merger, the FTC cooperated with 10 competition agencies to ensure consistent analyses, outcomes, and remedies.
The FTC continued to share enforcement techniques and experience to ensure close collaboration on cross-border cases. For example, over the course of the year, FTC staff engaged with the competition agencies of Argentina, Canada, France, Israel, Japan, Korea, Mexico, the Philippines, South Africa, Taiwan, the United Kingdom, the Common Market for Eastern and Southern Africa (COMESA), and the European Union on issues including timing of and procedures for conducting investigations, “gun jumping,” merger remedies, and the use of econometrics.
Finally, through its International Fellows Program, the FTC brought 10 foreign officials from competition and consumer protection agencies in Barbados, Brazil, India, Japan, Philippines, Switzerland, as well as from the European Commission, to work alongside FTC staff.
In the consumer protection area, the FTC engaged in enforcement-related mutual assistance with foreign agencies or multilateral organizations in 43 matters, including by using its powers under the U.S. SAFE WEB Act to obtain information from and share information with foreign authorities. One highlight was the FTC’s use of the U.S. SAFE WEB Act’s information-sharing powers to collaborate successfully with the Office of the Privacy Commissioner of Canada in the FTC’s enforcement action against VTech, a Hong Kong-based manufacturer of internet-connected toys, for violating COPPA.
The FTC also worked on two joint projects with its foreign counterparts in the International Mass Marketing Fraud Working Group (IMMFWG), which the FTC co-chairs along with DOJ and U.K. law enforcement. First, the FTC participated in a sweep of elder fraud cases involving defendants from around the globe who victimized more than a million Americans, most of whom were seniors. As part of that sweep, the FTC worked directly with U.K. and Canadian authorities to halt Next-Gen Inc., a sweepstakes scam. To facilitate cooperation with its U.K. partner, the National Trading Standards Scams Team, the FTC relied on key information-sharing provisions of the U.S. SAFE WEB Act. Second, the FTC worked with its IMMFWG counterparts to coordinate investigations and develop a simultaneous tech support fraud consumer education campaign in the recently announced coordinated by DOJ. Alongside this effort, the agency conducted several trainings and roundtables in the U.S. and India to help develop the capacity of Indian law enforcement to address tech support and other impostor scams, and coordinate further with its international counterparts.
The FTC also entered into a memorandum of understanding (MOU) to facilitate information-sharing and enforcement cooperation on consumer protection matters with the U.K.’s Competition & Markets Authority. The MOU recognizes the long-standing partnership between the two agencies and provides for enhanced cooperation in the future.
The FTC brought several significant enforcement actions in 2018 involving large-scale international frauds. These include the FTC’s case against online international business coaching scheme Mobe, which operated in the U.S. and around the world; its actions against Apex Capital Group and Triangle Media Corporation for deceptive free trial offers; and its litigation against the massive overseas real estate investment scam, Sanctuary Belize, that targeted American consumers. In these and many other cases that the Commission brought in 2018, the Commission relied on the U.S. SAFE WEB Act’s provisions that allow the FTC to reach foreign conduct that has a “reasonably foreseeable” effect on U.S. consumers or that involves “material conduct” in the U.S. as the basis for challenging practices involving international defendants.
In addition, the FTC continued to make improvements to econsumer.gov, an International Consumer Protection and Â鶹´«Ã½ Network project that consists of a jointly sponsored website for reporting international fraud complaints, and the sharing of those complaints using the Consumer Sentinel Network database. Certified econsumer.gov members can now access approximately 240,000 additional consumer complaints about cross-border transactions. The agency also launched, with the help of foreign counterparts, a consumer education video on reporting scams to econsumer.gov in several languages including English, French, Japanese, Korean, Polish (subtitled), Spanish, and Turkish (subtitled).