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The American economy, the strongest in the world, is fueled by consumer spending. The American consumer has the confidence to enter the market - to borrow, buy, and spend - because of the legal protections provided to consumers in our regulated free market. Because of those protections, consumers rightfully expect a certain level of fairness in their dealings with businesses, which gives them the confidence necessary to spend the money that fuels our economy. In short, our economy is strong because of these consumer protection laws... Often places its victim in a tough financial position that is hard to recover from,