Carpet Interiors

Text (OCR of the scan at left; may contain errors)

In ree Marrer or CARPET INTERIORS, ET AL.

CONSENT ORDER, ETC., IN REGARD TO THE ALLEGED VIOLATION OF THE FEDERAL TRADE COMMISSION, - THE TEXTILE FIBER PRODUCTS IDENTIFICATION AND THE TRUTH IN LENDING ACTS Docket C-2277. Complaint, Sept. 6, 1972—Decision, Sept. 6, 1972, Consent order requiring a Folcroft, Pennsylvania, seller and distributor of carpeting and other merchandise, among other things to cease representing that any price for their merchandise is a special or reduced price, unless 494-841—73——21 314 FEDERAL. TRADE. COMMISSION DECISIONS -. Complaint 81 FEC.

- such price constitutes a significant reduction from ‘the established selling price; advertising for the purpose of obtaining leads or prospects unless the advertised products are ‘capable of performing their advertised function and an adequate stock is maintained; disparaging or refusing to sell any ‘prod- - uet advertised; misrepresenting the quality. or properties of any of their . merchandise; falsely advertising, deceptively guaranteeing, and misbranding their textile fiber products; and failing to disclose to customers: any_‘disclosures required, by Regulation Z of the Truth in Lending Act. Respondents ‘are further required to include on the face of its notes a notice that if the : contract is sold toa third party, the customer may be required to make payments to someone other. than the seller even if the purchase contract is not fulfilled..

; Complaint Pursuant to the provisions of the Federal Trade Commission Act, the. Textile Fiber Products Identification Act, the Truth in Lending ‘Act and the implementing regulation promulgated thereunder, and by virtue of the authority vested in it by said Acts, the Federal Trade ‘Commission, having reason to believe that Carpet Interiors, a corporation, trading and doing business as Remnant. City, and Rudolph ‘J. Pentima and Marvin Zeitz, individually and as officers of said corporation, hereinafter referred to as respondents, have violated the provisions of said Acts, the implementing regulation, and the rules and regulations promulgated under the Textile Fiber Products Tdentification Act, and it appearing to the Commission that a proceeding by it in respect thereof would be in the public interest, hereby issues its complaint stating its charges in that respect as follows: ParacrarH 1. Carpet Interiors, trading and doing business as Remnant City, is a corporation organized, existing and doing business under and by virtue of the laws of the Commonwealth of Pennsylvania, with its office and place of business located at 1852 Delmar Drive, in Folcroft, Commonwealth of Pennsylvania.

Respondents Rudolph J. Pentima and Marvin Zeitz are individuals and officers of said corporation. They formulate, direct and control the acts and practices of the corporate respondent, including the acts and practices hereinafter set forth. Their business address is the same as that of the corporate respondent.

The respondents cooperate and act together in carrying out the acts and practices hereinafter set forth.

Par. 2. Respondents are now, and for some time last past have been, engaged in the advertising, offering for sale, sale and distribution of carpeting and other merchandise to the public. OS @RRPED INTHRIORS, “HT “ALS 0! 315:

313.4 5 Complaint! . ana COUNT I- 5 1 2 1 1 2 704 634 167 91 42.864231 Alleging5 1 2 1 1 3 882 641 191 79 74.035690 violations5 1 2 1 1 4 1079 656 44 52 96.944046 of5 1 2 1 1 5 1132 656 156 64 86.783440 ‘Sections 1 2 1 1 6 1295 658 22 53 96.367920 55 1 2 1 1 7 1326 659 46 54 96.367920 of5 1 2 1 1 8 1387 661 64 52 96.835152 thes 1 2 1 1 9 1461 648 157 71 96.809273 Federal5 1 2 1 1 10 1627 659 120 73 95.604095 Trades 1 2 1 1 11 1759 649 232 89 54.884651 Commission4 1 2 1 2 0 657 715 1334 73 -1 5 1 2 1 2 1 657 721 80 43 96.283501 Act,5 1 2 1 2 2 749 717 60 44 96.799660 thes 1 2 1 2 3 821 717 207 55 96.886818 allegations5 1 2 1 2 4 1037 721 48 46 96.451797 of5 1 2 1 2 5 1081 715 234 64 85.098343 ‘Paragraphs5 1 2 1 2 6 1330 725 76 39 96.927177 Ones 1 2 1 2 7 1420 731 70 32 61.994690 ands 1 2 1 2 8 1504 728 94 47 95.335800 Two,5 1 2 1 2 9 1612 728 138 48 94.995079 hereof,5 1 2 1 2 10 1757 746 60 22 94.995079 ares 1 2 1 2 11 1831 729 160 59 89.834488 incorpo-.4 1 2 1 3 0 657 743 1140 88 -1 5 1 2 1 3 1 657 743 87 78 93.582306 rated5 1 2 1 3 2 763 769 7 30 92.434402 |5 1 2 1 3 3 767 773 48 47 82.137848 by.5 1 2 1 3 4 827 770 195 54 95.693214 references 1 2 1 3 5 1010 788 41 37 96.377426 in.5 1 2 1 3 6 1055 766 123 53 94.931076 Counts 1 2 1 3 7 1189 775 21 36 87.458900 I5 1 2 1 3 8 1222 789 38 28 94.806961 as5 1 2 1 3 9 1272 780 34 36 96.478256 if5 1 2 1 3 10 1312 776 99 52 95.307205 fully5 1 2 1 3 11 1423 780 52 34 92.125130 sets 1 2 1 3 12 1483 775 105 48 92.125130 forth5 1 2 1 3 13 1600 754 197 77 47.278816 verbatim...3 1 2 2 0 0 700 814 1291 74 -1 4 1 2 2 1 0 700 814 1291 74 -1 5 1 2 2 1 1 700 821 82 36 95.400299 Par.5 1 2 2 1 2 804 822 29 35 84.727295 3.5 1 2 2 1 3 856 826 44 32 96.904953 In5 1 2 2 1 4 919 816 62 43 96.442390 thes 1 2 2 1 5 999 823 118 38 96.860466 courses 1 2 2 1 6 1135 822 80 42 78.283318 and.5 1 2 2 1 7 1225 826 150 52 93.327774 conduct.5 1 2 2 1 8 1391 832 41 32 96.992142 of5 1 2 2 1 9 1450 828 95 45 96.800438 theirs 1 2 2 1 10 1560 821 167 67 94.765427 business,5 1 2 2 1 11 1741 827 48 56 81.313461 as5 1 2 2 1 12 1797 814 194 70 87.633797 aforesaid,3 1 2 3 0 0 632 867 1355 350 -1 4 1 2 3 1 0 632 867 1355 62 -1 5 1 2 3 1 1 632 867 2 2 0.000000 .5 1 2 3 1 2 658 875 224 48 96.599472 respondents5 1 2 3 1 3 894 887 83 27 93.708374 now.5 1 2 3 1 4 986 879 110 47 93.708374 cause,5 1 2 3 1 5 1108 879 72 40 96.743515 ands 1 2 3 1 6 1194 874 59 48 96.803352 for5 1 2 3 1 7 1264 874 96 43 96.119766 some5 1 2 3 1 8 1370 879 85 38 96.119766 times 1 2 3 1 9 1469 880 74 40 70.394913 last.5 1 2 3 1 10 1551 880 82 46 96.027992 past5 1 2 3 1 11 1643 884 90 36 95.997520 have5 1 2 3 1 12 1746 887 134 42 96.481171 caused,5 1 2 3 1 13 1893 878 95 43 96.974686 their4 1 2 3 2 0 655 912 1332 73 -1 5 1 2 3 2 1 655 917 84 59 77.325592 said.5 1 2 3 2 2 748 916 248 69 96.797470 merchandise,5 1 2 3 2 3 1009 923 102 42 92.100952 when5 1 2 3 2 4 1117 926 156 48 43.658470 sold,.to-5 1 2 3 2 5 1282 932 42 36 96.810814 be5 1 2 3 2 6 1334 930 156 47 93.134285 shipped5 1 2 3 2 7 1506 927 95 41 93.128891 from5 1 2 3 2 8 1616 935 207 44 48.207516 their-places 1 2 3 2 9 1838 912 42 59 96.969116 of5 1 2 3 2 10 1885 932 102 50 88.958755 busi-4 1 2 3 3 0 657 974 1331 66 -1 5 1 2 3 3 1 657 973 76 41 92.879539 ness5 1 2 3 3 2 756 974 119 45 86.364120 in-thes 1 2 3 3 3 899 970 293 52 95.835228 Commonwealth5 1 2 3 3 4 1214 972 48 44 88.639641 of.5 1 2 3 3 5 1279 974 269 62 20.336037 Pennsylvania.5 1 2 3 3 6 1557 976 45 56 87.910263 to,5 1 2 3 3 7 1620 983 203 57 96.766991 purchasers5 1 2 3 3 8 1848 974 140 62 96.133888 thereof4 1 2 3 4 0 655 1025 1333 67 -1 5 1 2 3 4 1 655 1013 163 50 95.178848 located5 1 2 3 4 2 800 1039 38 20 95.178848 in5 1 2 3 4 3 849 1026 138 42 96.175179 various5 1 2 3 4 4 998 1029 117 42 96.573227 States5 1 2 3 4 5 1128 1024 41 42 96.943817 of5 1 2 3 4 6 1178 1032 60 33 96.837173 thes 1 2 3 4 7 1249 1028 133 40 96.586739 United5 1 2 3 4 8 1396 1026 115 62 96.833733 States5 1 2 3 4 9 1521 1034 72 37 96.951218 ands 1 2 3 4 10 1606 1027 184 65 95.897263 maintain,5 1 2 3 4 11 1796 1032 75 39 96.302719 ands 1 2 3 4 12 1882 1043 44 36 94.149330 at.5 1 2 3 4 13 1933 1034 55 53 94.701904 all4 1 2 3 5 0 654 1070 1332 69 -1 5 1 2 3 5 1 654 1070 100 57 96.993988 times5 1 2 3 5 2 766 1079 196 40 88.238846 mentioned5 1 2 3 5 3 967 1077 226 50 88.238846 herein-have5 1 2 3 5 4 1206 1084 224 48 96.253242 maintained,5 1 2 3 5 5 1445 1082 17 42 96.693832 a5 1 2 3 5 6 1477 1079 208 49 96.693832 substantial5 1 2 3 5 7 1699 1099 118 32 96.619568 courses 1 2 3 5 8 1830 1090 40 33 96.619568 of5 1 2 3 5 9 1882 1085 104 54 96.876434 trade4 1 2 3 6 0 653 1106 1328 88 -1 5 1 2 3 6 1 653 1125 39 35 95.102379 in5 1 2 3 6 2 703 1122 76 44 95.102379 said5 1 2 3 6 3 791 1122 256 52 96.066963 merchandise5 1 2 3 6 4 1037 1135 42 38 96.066963 in5 1 2 3 6 5 1087 1128 195 48 95.248459 commerce,5 1 2 3 6 6 1290 1145 43 25 96.353500 as5 1 2 3 6 7 1335 1106 226 86 82.770157 “commerce”5 1 2 3 6 8 1581 1138 11 17 89.108765 i5 1 2 3 6 9 1578 1149 36 40 96.615799 is5 1 2 3 6 10 1625 1129 126 65 96.813774 defined5 1 2 3 6 11 1767 1139 14 36 96.524933 i5 1 2 3 6 12 1769 1151 48 38 94.215233 in5 1 2 3 6 13 1821 1138 64 52 90.266068 the.5 1 2 3 6 14 1885 1131 96 56 89.936501 Fed-4 1 2 3 7 0 653 1170 521 54 -1 5 1 2 3 7 1 653 1170 72 41 95.893654 eral5 1 2 3 7 2 734 1172 115 43 95.893654 Trades 1 2 3 7 3 856 1170 231 54 96.610649 Commissions 1 2 3 7 4 1095 1184 79 34 96.727882 Act.3 1 2 4 0 0 646 1207 1336 377 -1 4 1 2 4 1 0 695 1207 1287 78 -1 5 1 2 4 1 1 695 1229 82 34 91.854584 Par.5 1 2 4 1 2 789 1225 33 38 87.275345 4.5 1 2 4 1 3 831 1227 45 36 87.275345 In5 1 2 4 1 4 886 1232 58 32 96.927032 thes 1 2 4 1 5 955 1232 117 38 96.113815 courses 1 2 4 1 6 1084 1225 70 43 96.944557 ands 1 2 4 1 7 1165 1225 146 44 96.777611 conducts 1 2 4 1 8 1321 1233 40 36 96.996964 of5 1 2 4 1 9 1371 1207 93 66 96.181313 theirs 1 2 4 1 10 1467 1208 183 75 96.179787 aforesaid5 1 2 4 1 11 1661 1210 174 75 0.000000 business.5 1 2 4 1 12 1839 1216 74 62 96.814163 ands 1 2 4 1 13 1916 1224 66 61 95.247696 fora 1 2 4 2 0 649 1264 1333 73 -1 5 1 2 4 2 1 649 1264 66 49 96.322662 thes 1 2 4 2 2 730 1292 149 31 96.800125 purposes 1 2 4 2 3 899 1283 41 36 96.893387 of5 1 2 4 2 4 960 1280 167 48 96.778122 inducing5 1 2 4 2 5 1139 1279 66 47 97.011940 thes 1 2 4 2 6 1218 1280 185 48 96.323730 purchases 1 2 4 2 7 1406 1289 50 43 96.966515 of5 1 2 4 2 8 1462 1279 104 58 94.171089 theirs 1 2 4 2 9 1584 1289 261 50 94.314598 merchandise,5 1 2 4 2 10 1849 1287 56 40 68.213135 thes 1 2 4 2 11 1921 1282 61 44 66.840729 -re-4 1 2 4 3 0 649 1328 1331 67 -1 5 1 2 4 3 1 649 1327 188 52 92.777176 spondents5 1 2 4 3 2 850 1328 88 40 96.780464 have5 1 2 4 3 3 951 1332 112 57 91.984123 made,5 1 2 4 3 4 1079 1332 74 40 64.128052 and.5 1 2 4 3 5 1163 1334 60 40 93.667358 ares 1 2 4 3 6 1235 1348 78 26 93.790916 now5 1 2 4 3 7 1327 1328 160 59 96.968544 making,5 1 2 4 3 8 1490 1334 192 61 87.559525 numerous5 1 2 4 3 9 1691 1340 204 51 92.773277 statements5 1 2 4 3 10 1896 1339 85 50 92.773277 anda 1 2 4 4 0 650 1380 1331 60 -1 5 1 2 4 4 1 650 1383 307 39 96.783562 representations5 1 2 4 4 2 949 1383 36 33 95.966331 in5 1 2 4 4 3 995 1380 281 40 95.966331 advertisements5 1 2 4 4 4 1286 1385 171 37 96.833000 inserted5 1 2 4 4 5 1447 1401 38 21 96.811844 in5 1 2 4 4 6 1495 1385 229 54 96.836884 newspapers,5 1 2 4 4 7 1731 1380 250 60 96.869995 disseminated4 1 2 4 5 0 648 1432 1331 56 -1 5 1 2 4 5 1 648 1432 153 49 96.431709 through5 1 2 4 5 2 814 1434 58 32 96.648842 thes 1 2 4 5 3 885 1434 101 38 96.472488 mails5 1 2 4 5 4 1000 1437 70 46 96.472488 ands 1 2 4 5 5 1076 1436 54 49 97.018066 by5 1 2 4 5 6 1142 1448 117 25 96.851372 means5 1 2 4 5 7 1274 1439 39 42 96.856873 of5 1 2 4 5 8 1325 1440 182 44 96.990540 televisions 1 2 4 5 9 1519 1442 201 38 96.550507 broadcasts5 1 2 4 5 10 1734 1438 73 46 86.983421 ands 1 2 4 5 11 1817 1440 53 53 74.560318 by.5 1 2 4 5 12 1872 1438 107 50 96.676750 other4 1 2 4 6 0 646 1482 1332 86 -1 5 1 2 4 6 1 646 1479 116 37 95.271881 media5 1 2 4 6 2 778 1484 87 32 95.271881 with5 1 2 4 6 3 884 1480 141 48 95.893150 respects 1 2 4 6 4 1033 1482 46 41 92.506050 to5 1 2 4 6 5 1089 1485 208 40 87.765030 the.nature5 1 2 4 6 6 1308 1491 77 39 52.100655 and’5 1 2 4 6 7 1394 1491 209 45 96.896454 limitations5 1 2 4 6 8 1620 1494 42 33 83.283241 of.5 1 2 4 6 9 1677 1489 92 41 96.789520 theirs 1 2 4 6 10 1786 1489 124 79 84.946342 offers,5 1 2 4 6 11 1911 1488 67 59 95.981636 thea 1 2 4 7 0 648 1532 1231 52 -1 5 1 2 4 7 1 648 1533 119 42 96.826294 prices,5 1 2 4 7 2 777 1532 134 46 96.885094 quality5 1 2 4 7 3 921 1537 68 35 96.536636 ands 1 2 4 7 4 1000 1536 203 43 93.308800 guarantees5 1 2 4 7 5 1212 1539 40 33 96.775620 of5 1 2 4 7 6 1261 1539 92 41 96.864540 theirs 1 2 4 7 7 1358 1533 249 51 96.751053 merchandise.5 1 2 4 7 8 1667 1577 65 13 15.877686 ce3 1 2 5 0 0 652 1568 1323 117 -1 4 1 2 5 1 0 687 1568 1287 83 -1 5 1 2 5 1 1 687 1584 147 43 96.166298 Typical5 1 2 5 1 2 848 1587 69 31 96.623161 ands 1 2 5 1 3 930 1580 209 42 96.587959 illustrative5 1 2 5 1 4 1153 1590 40 32 96.980850 of5 1 2 5 1 5 1204 1582 84 47 96.999695 such5 1 2 5 1 6 1301 1590 199 36 96.840866 statements5 1 2 5 1 7 1515 1594 71 33 96.984108 ands 1 2 5 1 8 1600 1568 303 83 96.819099 representations,5 1 2 5 1 9 1905 1568 69 79 73.550797 but4 1 2 5 2 0 647 1636 855 49 -1 5 1 2 5 2 1 647 1638 71 39 87.993286 not.5 1 2 5 2 2 733 1636 228 33 93.583290 all-inclusive5 1 2 5 2 3 979 1638 148 42 96.179184 thereof,5 1 2 5 2 4 1144 1651 60 22 96.179184 ares 1 2 5 2 5 1223 1642 59 32 96.438469 thes 1 2 5 2 6 1303 1641 199 44 96.627647 following:2 1 3 0 0 0 1911 1176 104 69 -1 3 1 3 1 0 0 1911 1176 104 69 -1 4 1 3 1 1 0 1911 1176 104 69 -1 5 1 3 1 1 1 1911 1176 104 69 95.000000 2 1 4 0 0 0 1978 1439 1 6 -1 3 1 4 1 0 0 1978 1439 1 6 -1 4 1 4 1 1 0 1978 1439 1 6 -1 5 1 4 1 1 1 1978 1439 1 6 95.000000 2 1 5 0 0 0 1897 1565 23 40 -1 3 1 5 1 0 0 1897 1565 23 40 -1 4 1 5 1 1 0 1897 1565 23 40 -1 5 1 5 1 1 1 1897 1565 23 40 95.000000 2 1 6 0 0 0 677 1713 1234 206 -1 3 1 6 1 0 0 677 1713 1266 206 -1 4 1 6 1 1 0 714 1713 470 30 -1 5 1 6 1 1 1 714 1713 166 27 93.870361 Christmas5 1 6 1 1 2 893 1716 180 26 95.974716 Warehouses 1 6 1 1 3 1088 1716 96 27 3.006523 SALE4 1 6 1 2 0 716 1756 713 38 -1 5 1 6 1 2 1 716 1756 96 25 94.201622 SAVES 1 6 1 2 2 828 1757 214 27 94.201622 HUNDREDS5 1 6 1 2 3 1346 1792 2 2 5.417030 ;5 1 6 1 2 4 1427 1790 2 2 14.422134 ;4 1 6 1 3 0 713 1798 1198 37 -1 5 1 6 1 3 1 713 1798 71 29 96.545959 $1295 1 6 1 3 2 1295 1825 2 2 62.757587 .5 1 6 1 3 3 1345 1804 70 30 75.836952 $1495 1 6 1 3 4 1909 1820 34 15 28.703400 oe4 1 6 1 4 0 1126 1848 754 30 -1 5 1 6 1 4 1 1126 1863 4 4 45.114281 .5 1 6 1 4 2 1344 1848 52 24 94.095840 5015 1 6 1 4 3 1416 1848 95 30 94.730690 Nylon5 1 6 1 4 4 1533 1850 182 26 96.303772 Continuous5 1 6 1 4 5 1733 1851 147 27 96.351379 Filament4 1 6 1 5 0 677 1882 309 37 -1 5 1 6 1 5 1 677 1882 2 2 0.000000 ~5 1 6 1 5 2 712 1882 85 30 94.275627 100%5 1 6 1 5 3 814 1884 94 35 96.855522 Nylon5 1 6 1 5 4 923 1884 63 25 96.754829 Pile2 1 7 0 0 0 638 1941 1257 264 -1 3 1 7 1 0 0 718 1941 1177 33 -1 4 1 7 1 1 0 718 1941 1177 33 -1 5 1 7 1 1 1 718 1941 13 15 89.672028 *5 1 7 1 1 2 910 1942 13 15 23.128418 %5 1 7 1 1 3 972 1965 43 5 0.000000 oo.5 1 7 1 1 4 1104 1944 14 16 63.556458 %5 1 7 1 1 5 1160 1960 2 2 51.550617 .5 1 7 1 1 6 1298 1947 14 15 46.314545 *5 1 7 1 1 7 1492 1950 14 14 91.340874 *5 1 7 1 1 8 1596 1970 2 2 0.000000 .5 1 7 1 1 9 1678 1951 23 23 0.000000 *5 1 7 1 1 10 1822 1971 2 2 32.771873 .5 1 7 1 1 11 1881 1954 14 15 89.033676 *3 1 7 2 0 0 710 1974 702 45 -1 4 1 7 2 1 0 710 1974 702 45 -1 5 1 7 2 1 1 710 1977 76 35 26.663673 $1895 1 7 2 1 2 1342 1984 70 34 94.765083 $2393 1 7 3 0 0 711 2023 1105 53 -1 4 1 7 3 1 0 711 2023 911 46 -1 5 1 7 3 1 1 711 2026 118 29 96.111656 Dupont5 1 7 3 1 2 842 2026 51 26 96.483734 5015 1 7 3 1 3 906 2023 88 46 96.783905 Nylon5 1 7 3 1 4 1009 2028 76 37 92.538826 Piles 1 7 3 1 5 1342 2032 121 25 92.729561 Acrilan5 1 7 3 1 6 1480 2034 61 25 96.869362 Cuts 1 7 3 1 7 1559 2034 63 25 96.554024 Pile3 1 7 4 0 0 638 2085 1254 77 -1 4 1 7 4 1 0 716 2085 1176 27 -1 5 1 7 4 1 1 716 2085 12 14 47.711597 a5 1 7 4 1 2 908 2085 14 15 89.718697 *5 1 7 4 1 3 1102 2088 13 15 51.221004 %5 1 7 4 1 4 1296 2085 17 19 86.691666 *5 1 7 4 1 5 1489 2091 15 16 89.228867 *5 1 7 4 1 6 1685 2094 14 16 89.872101 *5 1 7 4 1 7 1879 2097 13 15 88.070190 *4 1 7 4 2 0 638 2108 774 54 -1 5 1 7 4 2 1 638 2108 264 48 40.127441 $9690 $359 Acrilan: Cut Pile — a Kodel Embossed Patterns (The above-stated prices and quality designations are imprinted on photographs of carpeting which appears to be of superior grade.). 20 year guarantee . WARBHOUSE SALE—8 DAYS ONLY NO MONEY DOWN Par. 5. By and through the use of the above-quoted statements and representations, and others of similar import and meaning not expressly set out herein, respondents have represented, and are now representing, directly or by implication, that: 316 FEDERAL , TRADE. COMMISSION ‘DECISIONS Complaint 81 FTC.

1. During the period of their advertised “Christmas Warehouse SALE,” or words of similar import and meaning, their advertised prices ‘of their carpeting represent a reduction from the: prices at which they have made a bona fide offer to sell, or have sold, said carpeting on a regular basis for a reasonably substantial period of time in the recent, regular course of their business. 2. ‘Purchasers of their carpeting realize a savings of hundreds of dollars from the actual prices at which such carpeting was offered for sale, or was sold, by respondents i in good faith for a reasonably substantial period of time in the recent, regular course of their business. | _ * 3, Their represented reduced prices for their carpeting are offered only during the limited period of the sale and such reduced prices will be returned to their pre-sale bona fide offering price or to some other substantially higher amount immediately after completion of the sale. _ 4, Their offers, as set forth in their advertisements, are bona, fide offers:to sell their advertised carpeting at the prices and on the terms and conditions stated. ; .

6. Their advertised carpeting has the general appearance, texture and thickness of' superior grade carpeting in comon use. 6. Their carpeting is unconditionally guaranteed for a definite: period of time.

Par. 6. In truth and in fact:

1. During the period of their advertised “Christmas Warehouse SALE,” or words of similar import and meaning, the advertised prices of respondents’ carpeting do not represent a reduction from the prices at which respondents have made a bona fide offer to sell, or have sold, such carpeting on a regular basis for a reasonably substantial period of time in the recent, regular course of their business. 2. Purchasers of respondents’ carpeting do not realize a savings of hundreds of dollars or any other significant amount from the actual prices at which such carpeting was offered for sale, or was sold, by respondents for a reasonably substantial period of time in the recent, regular course of their business.

3. Respondents’ represented reduced. prices are not offered fora limited period of time, but are the prices at which respondents sell, or offer to sell, their carpeting on a regular basis for a reasonably substantial period of time in the recent, regular course of their business. 4. Respondents’ offers are not genuine or bona fide offers to sell their advertised carpeting at the prices and on the terms and conditions stated but are made for the purpose of obtaining leads asto persons interested in the purchase of their carpeting. After obtaining such leads through response to said advertisements, respondents’ salesmen O° CARBET INTERIORS, HTC AT! “B17 BIB? Complaint called upon’ such’ persons, but.made noeffort. to’sell the ‘advertised “carpeting. Instead, they exhibited what they: represented to be the advertised carpeting which; because of its poor appearance ‘and. condition, was usually rejected on sight by the prospective purchaser. Concurrently, higher priced carpeting of superior quality and texture wis presented, which by comparison disparaged and’ demeaned the advértised carpeting. By these and:.other tactics, the purchase of the advertised’ carpeting was discouraged, and respondents,’ through’ their salesmen, ' attempted - to, and: frequently. did, sell: ‘the higher priced carpeting. ~~ 5. Respondents’ advertised carpeting does not have the general appearance, texture or thickness of superior grade carpeting i in common use. ° : 6. Respondents’ « carpeting is ‘not’ unconditionally guaranteed in every respect without. conditions or limitations for a-definite period of time. Such’ guarantees as may be furnished in connection therewith are subject to numerous terms, conditions and limitations and fail to set forth the nature and extent of-the guarantee, the identity of the guarantor and the manner in which. the guarantor will perform thereunder. | ‘Therefore, the statements and representations set forth in Paragr aph Four and Paragraph Five, hereof, were, and are, false, misleading and deceptive.

Par. 7. In the further course and conduct of their business, and in furtherance of a sales program for inducing the purchase of their carpeting and floor coverings, respondents and their salesmen or representatives have engaged in the following additional unfair, false, misleading and deceptive act and practice : In a substantial number of instances, and in the usual course of their business, respondents sell and transfer their customers’ obligations, procured by the aforesaid unfair, false, misleading and deceptive means to various financial institutions. In any subsequent legal action to collect on such obligations, these financial institutions, or other third parties, as a general rule, may cut off various. personal defenses, otherwise available to the obligor, arising out of respondents’ failure to perform or out of other unfair, false, misleading or deceptive acts and practices on the part of respondents.

Paz. 8. In the course and conduct of their aforesaid business, and at all times mentioned herein, respondents have been, and now are, in substantial competition, in commerce, with corporations, firms and individuals engaged in the sale of merchandise of the same general kind and nature as the aforesaid merchandise sold by the respondents. 318 FEDERAL. TRADE. ‘COMMISSION: DECISIONS Complaint 81. F.T.C.

Par. 9. The use by the respondents of the aforesaid false, misleading and deceptive statements, representations, acts and practices, and their failure to disclose material facts, as aforesaid, has had, and now has, the capacity and tendency to mislead members of the purchasing public into the erroneous and mistaken belief that said statements and: represtations were, and are, true and complete and into the purchase of substantial quantities of respondents’ merchandise ‘by reason of ‘said erroneous and mistaken belief. Respondents’ aforesaid acts and practices unfairly cause the purchasing public to assume debts and obligations and to make ‘Payments of money which they might otherwise not have incurred.

. Par..10. Thea acts and practices of the respondents as herein alleged were, and are, all to the prejudice and injury of the public and of respondents’ competitors and constituted, and now constitute, unfair methods of competition in commerce and unfair and deceptive acts and practices in commerce in violation of Section 5 of the Federal Trade Commission Act. ae : - .COUNT I Alleging violation of the Textile Fiber Products Identification Act. and the implementing rules and regulations promulgated thereunder, and of the Federal Trade Commission Act, the allegations of Paragraphs One and Two hereof are incorporated by reference in Count IT as if fully set forth verbatim.

Par. 11. Respondents are now, and for some time last past have been, engaged in the introduction, delivery for introduction, sale, advertising, and offering for sale, in commerce, and in the transportation or causing to be transported in commerce, of textile fiber products including carpeting and floor covering and have sold, offered for sale, advertised, delivered, transported and caused to be transported, after shipment in commerce, textile fiber products, either in their original state or contained in other textile fiber products, as the terms “commerce” and “textile fiber product” a are defined in the Textile Fiber Products Identification Act.

Par. 12. Certain of said textile fiber products were misbranded by respondents within the intent and meaning of Section 4(a) of the Textile Fiber Products Identification Act and of the rules and regulations promulgated thereunder, in that they were falsely and deceptively advertised, or otherwise identified as to the name or amount of constituent fibers contained therein.

Par. 13. Certain of said textile fiber products were falsely and deceptively advertised in that respondents in making disclosures or implications as to the fiber content of such textile fiber products in CARPET ‘INTERIORS, ET AL. =~ 319 313 Complaint written advertisenients used to aid, promote, and to assist, directly or indirectly, in the sale or offering for sale of said products, failed to set forth the required information as to fiber content as specified by Section 4(c) of the Textile Fiber Products Identification Act, and in the manner and form prescribed by, the rules and regulations promulgated under said Act.

Par. 14. Among such textile fiber products, but not limited thereto, was. carpeting which was falsely and deceptively advertised in Phe Philadelphia Inquirer. and The Philadelphia. Bulletin, newspapers published in the city of Philadelphia, Commonwealth of Pennsylvania, and having a wide circulation in the city of Philadelphia,. Commonwealth of Pennsylvania and. various other States of. the United States, in that said carpeting .was.described by. such. fiber. connoting terms among which, but not limited thereto, was “Acrilan,” and.the true generic names of the fiber contained in such carpeting was not set forth. ;

Par. 15. By means of the aforesaid advertisements and others of similar import and meaning not specifically referred to herein, re-. spondents have falsely and. deceptively advertised textile fiber products in violation of the Textile Fiber Products Identification Act in that said textile fiber products were not advertised in accordance with ’ the rules and regulations promulgated thereunder in the following respects :

1. In disclosing the fiber content information as to floor coverings containing exempted backings, fillings, or paddings, such disclosure was not made in such.a manner as to indicate that such fiber content information related only to the face, pile or outer surface of the floor covering and not to the backing, filling or padding, in violation of Rule 11 of the aforesaid rules and regulations. 2. A fiber trademark was used in advertising textile fiber products, without a full disclosure of the fiber content information required by said Act, and the regulations promulgated thereunder, in at least one instance in said advertisement, in violation of Rule 41(a) of the aforesaid rules and regulations.

3. A fiber trademark was used in advertising textile fiber products, containing only one fiber and such fiber trademark did not appear, at least once in the said advertisement, in immediate proximity and conjunction with the generic name of the fiber, in plainly legible and conspicuous type, in violation of Rule 41(c) of the aforesaid rules and regulations.

_ Par. 16. The acts and practices of respondents as set forth above were, and are, in violation of the Textile Fiber Products Identifica- 320: FEDERAL TRADE. COMMISSION. DECISIONS ) Complaint. 81 EEC.

tion. Act, and. the rules and regulations promulgated thereunder, and constituted, and now: -constitute,.. unfair and deceptive acts and..practices, in. commerce,. and unfair. methods of competition, ir in commerce under. the Federal, ‘Trade. Commission Act. Sob “engi COUNT ma ~-Alleging violation of the Truth in Lending Act and | the impleinenting’: regulation promulgated thereunder, and of the Federal Tradé Commission Act, the allegations of Paragraph One and Paragraph Two,: ‘hereof, are’ incorporated by. reference in Count in as if ‘fully set ‘forth verbatim.

‘Pak. 17. In the ‘ordinary course ‘nial conduct: of their business” ‘as aforesaid, respondents regularly extend consumer credit, as “consumer credit” is defined in Regulation Z, the implementing regulation of the Truth in Lending Act, duly promulgated ‘by the Board: of Governors of the Federal Reserve System. _ _ Par. 18. Subsequent to’ July 1, 1969, respondents i in the ordinary course of ‘business’ as’ ‘aforesaid; and in ‘connection with their credit’ sales,’ as “credit sale” is ‘defiried in ‘Regulation’ Z, have caused, and ‘are’ now causing, customers to execute binding retail installment contracts; ; hereinafter réferred'to as the contracts.

Par. 19. By and through the use of said contracts, respondents: 1. Fail, in many instances, to disclose the “total downpayment” in the manner and form required by Section 226.8(c) (2) of Regulation 2. Fail, in many instances, to disclose the “unpaid balance of cash price” in the manner and form required by Section 226.8(c) (8) of Regulation Z. ) 3. Fail, in many instances, to use the term “amount financed” to describe the amount of credit extended; and to disclose the amount of the “amount financed,” as required by Section 226.8(¢) (7) of Regulation Z.

4. Fail, in many instances, to use the term “finance charge” to describe the sum of all charges required by Section 226.4 of Regulation Z to be included therein; and to disclose the dollar amount of the “finance charge,” as required by Section 226.8(c) (8) (i) of Regulation Z.

5. Fail, in many instances, to disclose the annual percentage rate, computed in accordance with Section 226.5 of Regulation Z, as re-’ quired by Section 226.8(b) (2) of Regulation Z. 6. Fail, in many instances, to disclose the sum of the cash price, all charges which are included in the amount financed but which are not “OL GARPHS INTERIORS, SET! ABAc ooh" 321 B1B°° 22 Complaint +.

part of the finance charge, ‘and:the finance charge;. and: to: describe that sum as the “deferred payment price,” as required by Section 226.8 (c) (8) (ii) of Regulation Z. pe ues RP ce 4, Fail, in-many instances, to use the term “total of payments”. to describe the sum of the payments scheduled to repay the indebtedness ; and to disclose the number, dates and amounts of payments scheduled to repay the indebtedness, as required by Section 226.8 (b) (3). of Regulation. Z. - ae bs yo, ee - ae oe 8. Fail, in many instances, to identify the method of computing any unearned portion of the finance charge in the event: of prepayment of the obligation, as required by Section 226.8(b) (7) of Regulation 9, Fail, in.many instances, to make all disclosures required to be made by Sections 226.8(b): and 226.8(c)-of Regulation Z, computed in accordance with Sections 226.4 and 226.5 of Regulation Z and disclosed in the form and manner prescribed under Section 226.6 of Reg: ulation Z, in violation of Sections 226.6 and 226.8 of Regulation Z. Par. 20. By and through the use of respondents’ contracts, in many instances, a security interest, as “security interest” is defined in: Sec- tion 226.2(z) of Regulation Z, is or will be retained or acquired in real property which is used ‘or expected to be‘ used as the principal residence of the respondents’ customers. Respondents’ retention or acquisition of such security interest in said real property thereby entitles their credit customers to be given the right to rescind that transaction until midnight of the third business day following the consummation of the transaction or the date of delivery of all the disclosures required by Regulation Z, whichever is later. Respondents have, in some instances, failed to give their credit customers the right to rescind until midnight of the third business day following the consummation of the transaction or the date of delivery of all disclosures, whichever is later, failed to fill in the dates so credit customers would know when the right to rescind expired, and have failed to set forth the “Effect of Rescission” in the rescission notice to their customers, as required by Sections 226.9(a) and (b) of Regulation Z. oo Par. 21. In the ordinary course of their business as aforesaid, respondents cause to be published advertisements of their merchandise and services, as “advertisements” is defined in Regulation Z. These . advertisements aid, promote or assist, directly or indirectly, extensions of consumer credit in connection with the sale of these goods and services. By and through the use of the advertisements, respondents:

322 FEDERAL: TRADE: COMMISSION:: DECISIONS Decision.and Order 81 FTC, . State.that “No Money Down,” thereby implying.no, downpayment is‘required in connection with a consumer credit transaction, without also stating all of the following items in terminology. prescribed under Section 226.8 of Regulation 4 3 as ‘Required: bys Section..226. 10(d) (2) thereof: To (i) the cash price;

“-(ii) the number, amount and due . dates. or: ‘period of. payments scheduled to repay the indebtedness if the credit is extended;.:: . (iii) the amount: of the finance charge expressed as.an annual percentage rate; and Lo “ (iv) the deferred poyment price. - 0 :

Par. 22. Pursuant to Section 103(q) of the Truth j in 1 Lending Acts respondents’ aforesaid failures’ to. comply with the -provisionsof Regulation Z, constitute violations of that. Act, and, pursuant to Section 108 thereof, respondents thereby violated the. Federal Trade Commission. Act. chet: ey . Dectston: snd: Orver ‘:

The: Federal Trade Commission. having initiated an “investigation of certain acts and practices of the respondents named in thé caption hereof, and the respondents having been furnished thereafter with a copy of a draft of complaint which the Washington, D.C. Regional Office proposed to present to the Commission for its consideration and which, if issued by the Commission, would charge respondents with violation of the Federal Trade Commission Act; and The respondents and counsel for the Commission having thereafter executed an agreement containing a consent order, an admission by the respondents of all the jurisdictional facts set forth in the aforesaid draft of complaint, a statement that the signing of said agreement is for settlement purposes only and does not constitute an admission by respondents that the law has been violated as alleged in such complaint, and waivers and other provisions as required by the Commission’s rules; and The Commission having thereafter considered the matter and having determined that it had reason to believe that the respondents have violated the said Act, and that complaint should issue stating — its charges in that respect, ond having thereupon accepted the executed consent agreement and placed such agreement on the public record for a period of thirty (30) days, now in further conformity with the procedure prescribed in Section 2.34(b) of its rules, the Commission issues its complaint, makes the following jurisdictional findings, and enters the following order:

g19 2. 2 Deééision and Order ed, Respondent Carpet: ‘Tiiteriors trading and doing businéss as Remnant -City-is a corporation organized, existing; and: doing business under. and by virtue of the laws of the Commonwealth ‘of Pennsylvania with its office and place of business located at’ 1852 Delmar Drive, in Folcroft, Commonwealth of Pennsylvania. ‘Respondents Rudolph J: Pentima and Marvin Zeitz are individuals and officers of said corporation. They formulate, direct. and control the acts and practices of the corporate respondent, and their business address is the same as that of the corporate respondent. 2. The Federal Trade Commission has jurisdiction of the subject matter of this proceeding ¢ and of the respondents a and the. proceeding is in the public i interest. . = It is ordered, That respondents Carpet Interiors, a corporation, trading and doing business as Remnant City, its successors and assigns, and its officers, and Rudolph J. Pentima and Marvin Zeitz, individually and as officers of said corporation, and respondents’ agents, representatives and employees directly or through any corporation, subsidiary, division or other device, in connection with the advertising, offering for sale, sale or distribution of carpeting or any other merchandise in commerce, as “commerce” is defined in the Federal - Trade Commission Act, do forthwith cease and desist from: 1. Using the words “Christmas Warehouse SALE” or any other word or words of similar import or meaning to designate the price or prices of their merchandise, unless the price or prices of such merchandise being offered for sale constitutes a reduction, in an amount not so insignificant as to be meaningless, from the actual bona fide price at which such merchandise was sold or offered for sale to the public on a regular basis by respondents for a reasonably substantial period of time in the recent, regular course of their business.

2. Using the word “SAVE” or any other word or words of similar import or meaning in conjunction with a stated dollar or percentage amount of savings, unless the stated dollar or percentage amount of savings actually represents the difference between the offering price and the actual bona fide price at which such merchandise had been sold or offered for sale on a regular basis to the public by respondents for a reasonably substantial period of time in the recent, regular course of their business. 324 FEDERAL. TRADE. : COMMISSION: DECISIONS Decision .and. Order 81 FEC, : 8 (a): Representing, orally or in writing, directly . or by im- -,.. pleation, that. by. purchasing any of said merchandise, cus- _ tomers are afforded savings. amounting tothe difference _ between respondents? stated price and, respondents’ former. price unless such merchandise has-been, sold or-offered. for sale in good.faith.at the former price: ‘by: respondents for. a,reason- _ ably: substantial period of time in the recent, regular course of their business, . th (b) Representing, orally 01 or in writing, directly or by i implication, that, by. purchasing any of said merchandise, customers are afforded savings amounting to the difference: ‘between respondents’ stated price and a compared price-for said merchandise in respondents’ trade area unless a substantial number of the principal retail outlets in the trade area regularly sell said merchandise at the compared Price or some higher price. . = a) Representing, orally or in writing, directly 0 or by h implication, that by purchasing any of. said merchandise, customers are afforded savings amounting. to the difference. between respondents’ stated price and a compared -value price for comparable merchandise, unless substantial sales of merchandise of like grade and quality are being made in the trade area at the compared price or a higher price and -unless re- ' spondents have in good faith conducted a market survey or obtained a similar representative sample of price in their trade area which establishes the validity of said compared price and it is clearly and conspicuously disclosed that the comparison is with merchandise of like grade and quality. 4, Representing, orally or in writing, directly or by implica; tion, that any price for their merchandise is a special or reduced price, unless such price constitutes a significant reduction from an established selling price at which such merchandise has been sold in substantial quantities by respondents in the recent, regular course of their business; or misrepresenting, in any manner, the savings available to purchasers.

5. Failing to maintain adequate records, (a) which disclose the facts upon which any savings claim, including pricing claims and similar representations of ‘the type described in Paragraphs 1 _ through 4 of this order are based, and (b) from which the _ validity of any savings claim including pricing claims and similar representations of the type described j in Paragraphs 1 through 4 of this order can be determined.

313 - Decision and Order ~ 6. Representing, orally or in writing, directly or by implica- ’ tion, that any. offer is limited in point of time or restricted in any, other manner, unless the represented limitation or restriction is actually imposed and in good faith adhered to by respondents. 7. Advertising or offering any products for sale for the purpose of obtaining leads or prospects for the sale of different products . unless the advertised products are capable of adequately perform- ' advertised.

__. that any products or services are offered for sale when. such offer . is: ‘not a bona fide offer.to sell said products or services. ing the function for which they are offered and respondents maintain, an adequate and readily available stock of said products. _ ‘8. Disparaging, i in any Manner, or refusing to sell any. product 9. Using any advertising, sales plan or pr rocedure involving the use of false, deceptive or misleading statements or representa- .tions which are designed to obtain leads or pr ospects 1 for the. sale _ of other merchandise. .

10. Representing, orally, or in ‘writing, directly ¢ or. indirect! , 11. Representing, directly or by implication, through 1 the’ use of i photographs or in any other manner, that their inferior grade carpeting has the appearance, thickness or texture of superior grade carpeting in common use; or misrepresenting, in any manner, the appearance, thickness, texture or an y other quality standard of their merchandise.

12. Representing, orally or in writing, directly 6r by implication, that any of their merchandise is guaranteed, unless the nature and extent of the guarantee, the identity of the guarantor and the manner in which the guarantor will perform thereunder are clearly and conspicuously disclosed; and unless respondents . promptly and fully perform all of their obligations and requirements, directly or impliedly represented, under the terms of such guarantee. ;

13. Failing to iiicorporate the following statement on. the face of all sales contracts, all notes or other instruments of indebtedness executed by or on behalf of respondents’ customers with such conspicuousness and clarity as is likely to be read and understood by the purchaser:

_NOTICE If: you are: obtaining ¢redit:in’ connection with ‘this purchase, you will be required to sign a. promissory note, a sales contract or other .instrument of indebtedness which may be purchased from the. seller by a bank, finance company or any other thira party. if such is the case, you will be Required to make your 326 FEDERAL: TRADE: COMMISSION : DECISIONS Decision and Order 81 ETC;

payments to :someone other than’ the seller. You should be aware that if this happens you may have to pay the note, contract or other instrument of indebtedness in ‘full to its new ‘ower even if your purchase contract i is not fulfilled. | __ It is further ordered, That respondents Carpet Interiors, a. éorporation, trading and doing business as Remnant City, its successors and assigns, and its officers, and Rudolph J. Pentima and Marvin Zeitz, individually and. as officers. of said .corporation, and respondents’ agents, representatives, : and employees, directly or through any corpo- _ ration, ‘subsidiary, division or other device, in connection with the introduction, sale, advertising, or offering for sale, in commerce, or the transportation or causing to be transported in commerce of any textile. fiber product; or in connection with the sale, offering for sale, advertising, delivery, transportation or causing to be transported, of any textile fiber product which has been advertised or offered for sale, in commerce ;, or in connection. with the ale, offering for sale, advertising, delivery, transportation, or..causing. to be. transported, after shipment i in commerce,. ‘of any textile. fiber. product, whether in its nal state. or contained in other textile fiber products, as the.terms mmerce” and “textile fiber. product” aré defined in the Textile Fiber Products Indentification Act, do forthwith cease and desist . from: — A. Misbranding textile fiber products by falsely or deceptively _ Stamping, tagging, labeling, i invoicing, advertising or otherwise . identifying. such products as to the name or amount of the constituent fibers contained therein.

B. Falsely and deceptively advertising textile products by: 1. Making any representations by disclosure or by implica- _ tion, as to fiber content of any. textile fiber product in any written advertisement which is used to aid, promote or assist, directly or indirectly, in the sale, or offering for sale, of such textile fiber product unless the same information required to be shown on the stamp, tag, label or other means of identi- . fication under Sections 4(b) (1) and (2) of the Textile Fiber Products Identification Act is contained in the said advertisement, except that the percentages of the fibers present in the textile fiber product need not be stated.

2. Failing to set forth in advertising the fiber content of floor covering containing exempted backings, fillings or paddings, that such disclosures relates only to the face, pile or outer surface of such textile fiber products and not to ‘the exempted backings, fillings or paddings.

318.- Decision and: Order 8. Using ‘a fiber ‘trademark in. .advertising ‘textile fiber '. products without a full disclosure of:the:required ‘fiber. content information in at least one.instance in said advértisement. “4, Using a fiber trademark. in ‘advertising textile fiber |5 1 2 1 5 2 822 830 171 46 77.757500 products.5 1 2 1 5 3 1003 829 203 65 96.514107 containing5 1 2 1 5 4 1222 834 82 42 96.581139 only5 1 2 1 5 5 1321 845 64 21 96.974358 ones 1 2 1 5 6 1400 833 85 33 96.733238 fibers 1 2 1 5 7 1501 833 148 32 96.205208 without5 1 2 1 5 8 1664 833 83 32 96.205208 such5 1 2 1 5 9 1762 832 87 32 93.286713 fibers 1 2 1 5 10 1864 832 113 49 93.170197 trade-4 1 2 1 6 0 792 883 1218 47 -1 5 1 2 1 6 1 792 885 134 48 50.299461 “marks 1 2 1 6 2 941 884 195 43 96.404625 appearing5 1 2 1 6 3 1157 888 39 28 96.398628 at5 1 2 1 6 4 1215 885 86 32 71.788383 least5 1 2 1 6 5 1321 893 85 24 95.915535 once5 1 2 1 6 6 1425 884 36 32 95.915535 in5 1 2 1 6 7 1480 884 61 32 95.025391 thes 1 2 1 6 8 1562 883 275 41 95.543121 advertisement,5 1 2 1 6 9 1856 883 38 32 95.800919 in5 1 2 1 6 10 1914 878 63 36 82.018379 im-5 1 2 1 6 11 2008 908 2 2 40.433701 |4 1 2 1 7 0 822 927 1157 66 -1 5 1 2 1 7 1 822 927 149 54 95.581932 mediate5 1 2 1 7 2 991 934 193 57 96.443428 proximity5 1 2 1 7 3 1204 935 70 33 96.341248 ands 1 2 1 7 4 1295 930 225 63 95.920189 conjunction5 1 2 1 7 5 1537 934 85 32 96.182686 with5 1 2 1 7 6 1637 934 82 32 19.215225 ‘thes 1 2 1 7 7 1722 932 136 43 96.761215 generics 1 2 1 7 8 1878 943 101 22 96.966537 name4 1 2 1 8 0 821 983 994 45 -1 5 1 2 1 8 1 821 986 41 32 96.996140 of5 1 2 1 8 2 874 986 60 32 96.983025 thes 1 2 1 8 3 946 985 118 41 96.299126 fiber,5 1 2 1 8 4 1055 996 39 21 96.588737 in5 1 2 1 8 5 1107 986 135 42 96.571167 plainly5 1 2 1 8 6 1256 986 138 42 96.044601 legible5 1 2 1 8 7 1394 983 84 35 95.065208 ands 1 2 1 8 8 1475 983 225 43 93.253227 conspicuous5 1 2 1 8 9 1711 984 104 42 53.976173 typé:.2 1 3 0 0 0 1296 1079 41 25 -1 3 1 3 1 0 0 1296 1079 41 25 -1 4 1 3 1 1 0 1296 1079 41 25 -1 5 1 3 1 1 1 1296 1079 41 25 49.970890 Im2 1 4 0 0 0 650 1111 1330 1690 -1 3 1 4 1 0 0 650 1111 1329 734 -1 4 1 4 1 1 0 694 1111 1284 82 -1 5 1 4 1 1 1 694 1145 81 33 45.136696 Itis5 1 4 1 1 2 786 1138 141 55 95.993690 furthers 1 4 1 1 3 940 1120 155 68 96.804077 ordered,5 1 4 1 1 4 1108 1142 94 35 96.703430 That5 1 4 1 1 5 1215 1145 224 42 96.036705 respondents5 1 4 1 1 6 1451 1145 130 42 96.966423 Carpets 1 4 1 1 7 1593 1111 179 79 94.913612 Interiors,5 1 4 1 1 8 1810 1115 2 2 84.989647 a5 1 4 1 1 9 1786 1154 22 21 88.108307 a5 1 4 1 1 10 1819 1153 159 32 90.371666 corpora-4 1 4 1 2 0 653 1170 1326 68 -1 5 1 4 1 2 1 653 1196 85 41 96.987366 tion,5 1 4 1 2 2 753 1191 157 47 95.992126 trading5 1 4 1 2 3 913 1196 71 32 96.935638 ands 1 4 1 2 4 1000 1170 109 68 94.902596 doing5 1 4 1 2 5 1123 1195 154 33 96.419235 business5 1 4 1 2 6 1294 1206 37 21 94.883728 as5 1 4 1 2 7 1347 1196 173 32 94.883728 Remnants 1 4 1 2 8 1536 1195 92 41 96.651421 City,5 1 4 1 2 9 1643 1194 49 33 96.945297 its5 1 4 1 2 10 1706 1204 187 23 96.724045 successors5 1 4 1 2 11 1908 1193 71 33 96.722282 anda 1 4 1 3 0 654 1243 1324 47 -1 5 1 4 1 3 1 654 1247 233 43 96.534973 assigns,5 1 4 1 3 2 815 1239 55 55 96.762573 ands 1 4 1 3 3 904 1245 46 34 95.152382 its5 1 4 1 3 4 969 1247 136 40 96.428047 officers,5 1 4 1 3 5 1124 1246 69 43 96.332581 ands 1 4 1 3 6 1213 1246 165 42 96.095520 Rudolph5 1 4 1 3 7 1396 1247 34 32 95.322723 J.5 1 4 1 3 8 1449 1245 162 33 96.404022 Pentima5 1 4 1 3 9 1628 1244 69 34 96.203064 ands 1 4 1 3 10 1714 1243 142 38 93.266846 Marvin5 1 4 1 3 11 1873 1243 105 41 90.006500 Zeitz,4 1 4 1 4 0 654 1292 1324 47 -1 5 1 4 1 4 1 654 1292 233 47 93.288216 individually5 1 4 1 4 2 913 1297 133 40 29.436569 andas5 1 4 1 4 3 1060 1296 140 33 96.613121 officers5 1 4 1 4 4 1226 1296 50 33 96.082001 of5 1 4 1 4 5 1292 1296 75 33 96.451317 said5 1 4 1 4 6 1391 1296 232 42 96.584534 corporation,5 1 4 1 4 7 1648 1292 70 36 95.284630 ands 1 4 1 4 8 1743 1293 235 46 94.878036 respondents’4 1 4 1 5 0 654 1337 1323 65 -1 5 1 4 1 5 1 654 1345 131 50 96.599960 agents,5 1 4 1 5 2 794 1337 285 62 96.981331 representatives5 1 4 1 5 3 1091 1341 69 39 96.699944 ands 1 4 1 5 4 1171 1347 191 42 96.502617 employees5 1 4 1 5 5 1372 1347 145 55 93.814217 directly5 1 4 1 5 6 1528 1358 41 21 96.891617 or5 1 4 1 5 7 1577 1346 153 41 94.963493 through5 1 4 1 5 8 1739 1352 72 35 93.289658 any5 1 4 1 5 9 1819 1355 158 31 91.352951 corpora-4 1 4 1 6 0 653 1393 1324 59 -1 5 1 4 1 6 1 653 1399 84 40 96.878677 tion,5 1 4 1 6 2 754 1393 207 59 96.664978 subsidiary,5 1 4 1 6 3 977 1398 153 44 96.251999 divisions 1 4 1 6 4 1147 1407 40 22 97.010262 or5 1 4 1 6 5 1204 1395 99 35 96.097542 others 1 4 1 6 6 1320 1397 152 40 96.775314 device,5 1 4 1 6 7 1463 1409 36 20 96.755386 in5 1 4 1 6 8 1517 1396 201 33 96.671318 connections 1 4 1 6 9 1733 1395 88 33 88.341805 with5 1 4 1 6 10 1837 1407 68 30 88.341805 any5 1 4 1 6 11 1921 1407 56 21 92.712158 ex-4 1 4 1 7 0 653 1446 1326 44 -1 5 1 4 1 7 1 653 1449 135 38 80.734291 terision5 1 4 1 7 2 806 1441 56 41 94.813820 of5 1 4 1 7 3 865 1447 191 35 94.813820 consumers 1 4 1 7 4 1062 1448 110 33 96.913551 credits 1 4 1 7 5 1191 1460 40 32 96.974388 or5 1 4 1 7 6 1249 1459 69 31 96.887901 any5 1 4 1 7 7 1337 1448 267 32 95.820724 advertisements 1 4 1 7 8 1620 1451 39 28 76.602554 to5 1 4 1 7 9 1677 1447 69 46 94.462265 aid,5 1 4 1 7 10 1764 1449 156 39 96.424065 promotes 1 4 1 7 11 1938 1456 41 22 96.424065 or4 1 4 1 8 0 656 1496 1323 46 -1 5 1 4 1 8 1 656 1499 125 42 96.572838 assist,5 1 4 1 8 2 790 1499 158 43 96.722672 directly5 1 4 1 8 3 961 1498 41 41 96.116241 or5 1 4 1 8 4 1012 1499 208 42 95.968155 indirectly,5 1 4 1 8 5 1244 1509 69 32 96.084503 any5 1 4 1 8 6 1336 1498 176 32 96.505699 extensions 1 4 1 8 7 1536 1498 40 32 96.599365 of5 1 4 1 8 8 1598 1497 177 33 96.571167 consumers 1 4 1 8 9 1798 1494 120 43 96.844147 credit,5 1 4 1 8 10 1942 1506 37 22 96.633049 as4 1 4 1 9 0 654 1546 1324 43 -1 5 1 4 1 9 1 654 1549 198 44 93.711655 “consumers 1 4 1 9 2 871 1549 130 39 96.151543 credit”5 1 4 1 9 3 1021 1550 70 32 96.369720 ands 1 4 1 9 4 1111 1548 306 33 95.322861 “advertisement”5 1 4 1 9 5 1436 1560 60 21 96.713478 ares 1 4 1 9 6 1514 1548 162 33 96.558044 defined5 1 4 1 9 7 1667 1558 41 22 95.323090 in5 1 4 1 9 8 1723 1546 211 43 93.283569 Regulations 1 4 1 9 9 1951 1547 27 31 92.599594 Z4 1 4 1 10 0 661 1598 1315 45 -1 5 1 4 1 10 1 661 1602 58 41 96.066406 (125 1 4 1 10 2 738 1588 124 47 25.383987 CFR.5 1 4 1 10 3 882 1602 17 41 91.078300 §5 1 4 1 10 4 908 1598 84 44 93.055878 226)5 1 4 1 10 5 1014 1599 42 33 96.685036 of5 1 4 1 10 6 1072 1601 61 31 96.602722 thes 1 4 1 10 7 1150 1599 140 33 96.412369 Truth5 1 4 1 10 8 1284 1611 34 20 96.524208 in5 1 4 1 10 9 1335 1599 160 42 96.359787 Lending5 1 4 1 10 10 1512 1599 76 32 96.910622 Acts 1 4 1 10 11 1604 1598 103 42 92.868561 (Pub.5 1 4 1 10 12 1726 1598 39 31 89.834930 L.5 1 4 1 10 13 1784 1599 135 39 84.960960 90-821,5 1 4 1 10 14 1937 1599 39 30 96.607025 154 1 4 1 11 0 654 1621 1323 71 -1 5 1 4 1 11 1 654 1651 123 35 95.648186 U.S.C.5 1 4 1 11 2 792 1653 85 35 93.217567 16015 1 4 1 11 3 895 1655 35 28 52.959671 e¢5 1 4 1 11 4 945 1651 101 41 91.488487 seg.),5 1 4 1 11 5 1063 1662 40 21 96.970505 or5 1 4 1 11 6 1119 1650 36 32 96.006500 in5 1 4 1 11 7 1172 1650 201 33 96.006500 connections 1 4 1 11 8 1388 1650 85 31 96.511871 with5 1 4 1 11 9 1490 1661 69 30 96.205795 any5 1 4 1 11 10 1576 1648 266 33 96.294205 advertisements 1 4 1 11 11 1855 1651 38 29 96.893867 to5 1 4 1 11 12 1908 1621 69 65 95.497940 aid,4 1 4 1 12 0 653 1698 1326 45 -1 5 1 4 1 12 1 653 1705 155 38 96.095711 promotes 1 4 1 12 2 828 1713 40 20 96.362358 or5 1 4 1 12 3 887 1701 111 41 96.495255 assist,5 1 4 1 12 4 1018 1701 147 42 96.495255 directly5 1 4 1 12 5 1186 1712 40 20 96.782845 or5 1 4 1 12 6 1245 1701 194 41 96.076363 indirectly,5 1 4 1 12 7 1459 1711 69 30 96.578003 any5 1 4 1 12 8 1549 1699 174 32 96.506470 extensions 1 4 1 12 9 1742 1698 40 32 96.000305 of5 1 4 1 12 10 1802 1708 177 22 96.292572 consumer4 1 4 1 13 0 654 1749 1323 41 -1 5 1 4 1 13 1 654 1753 110 32 96.591225 credits 1 4 1 13 2 778 1764 37 20 96.660103 as5 1 4 1 13 3 831 1749 307 38 95.800369 “advertisement”5 1 4 1 13 4 1154 1752 69 31 96.808121 ands 1 4 1 13 5 1238 1751 197 32 96.578651 “consumers 1 4 1 13 6 1449 1750 130 32 96.406631 credit”5 1 4 1 13 7 1594 1761 58 21 96.136864 ares 1 4 1 13 8 1666 1749 134 33 96.123268 defined5 1 4 1 13 9 1815 1749 35 31 93.222832 in5 1 4 1 13 10 1865 1749 112 41 92.678261 Regu-4 1 4 1 14 0 650 1801 884 44 -1 5 1 4 1 14 1 650 1801 113 37 93.267578 lations 1 4 1 14 2 781 1804 37 41 93.125900 Z,5 1 4 1 14 3 836 1803 44 32 96.923485 do5 1 4 1 14 4 898 1802 187 33 96.597481 forthwith5 1 4 1 14 5 1102 1812 94 22 96.457169 ceases 1 4 1 14 6 1214 1803 70 30 96.344536 ands 1 4 1 14 7 1300 1801 106 32 96.527725 desist5 1 4 1 14 8 1424 1801 110 32 96.527725 from:3 1 4 2 0 0 736 1848 1243 97 -1 4 1 4 2 1 0 763 1848 1216 47 -1 5 1 4 2 1 1 763 1850 46 36 58.590755 “1.5 1 4 2 1 2 828 1848 143 47 96.521721 Failing5 1 4 2 1 3 987 1857 37 28 97.011246 to5 1 4 2 1 4 1042 1852 143 33 96.877571 discloses 1 4 2 1 5 1202 1853 60 31 96.391273 thes 1 4 2 1 6 1279 1852 106 32 94.597717 “totals 1 4 2 1 7 1404 1851 287 42 96.227715 downpayment”5 1 4 2 1 8 1708 1850 36 32 96.556870 in5 1 4 2 1 9 1760 1850 60 32 96.495148 thes 1 4 2 1 10 1836 1860 143 21 96.713371 manner4 1 4 2 2 0 736 1901 1141 44 -1 5 1 4 2 2 1 736 1901 72 42 95.908203 ands 1 4 2 2 2 824 1904 93 41 95.761757 forms 1 4 2 2 3 933 1903 158 42 95.761757 required5 1 4 2 2 4 1106 1903 46 42 96.216621 by5 1 4 2 2 5 1170 1902 134 34 93.067703 Sections 1 4 2 2 6 1321 1902 154 42 61.687630 226.8(c)5 1 4 2 2 7 1489 1902 53 42 96.963608 (2)5 1 4 2 2 8 1565 1902 39 32 96.640564 of5 1 4 2 2 9 1618 1901 211 41 93.223885 Regulations 1 4 2 2 10 1843 1901 34 32 91.881866 Z.3 1 4 3 0 0 735 1950 1244 139 -1 4 1 4 3 1 0 778 1950 1201 47 -1 5 1 4 3 1 1 778 1957 31 34 96.658875 2,5 1 4 3 1 2 826 1950 142 47 96.879402 Failing5 1 4 3 1 3 983 1958 37 28 96.620712 to5 1 4 3 1 4 1036 1953 143 33 96.333733 discloses 1 4 3 1 5 1193 1953 60 32 96.986092 thes 1 4 3 1 6 1268 1953 153 41 95.699425 “unpaid5 1 4 3 1 7 1435 1953 141 32 96.734673 balances 1 4 3 1 8 1590 1952 39 32 97.005287 of5 1 4 3 1 9 1644 1952 80 32 96.945679 cash5 1 4 3 1 10 1739 1950 114 43 96.924751 price”5 1 4 3 1 11 1869 1950 36 33 96.905197 in5 1 4 3 1 12 1920 1950 59 33 96.786743 thea 1 4 3 2 0 735 2001 1243 45 -1 5 1 4 3 2 1 735 2003 146 35 96.512573 manners 1 4 3 2 2 904 2005 70 32 96.129234 ands 1 4 3 2 3 996 2004 93 33 95.499474 forms 1 4 3 2 4 1112 2004 159 42 96.652046 required5 1 4 3 2 5 1293 2004 45 42 96.467308 by5 1 4 3 2 6 1361 2003 138 34 93.291382 Sections 1 4 3 2 7 1521 2002 218 42 75.564972 226.8(c)(3)5 1 4 3 2 8 1768 2001 40 33 93.301422 of5 1 4 3 2 9 1831 2001 147 42 92.432274 Regula-4 1 4 3 3 0 738 2056 131 33 -1 5 1 4 3 3 1 738 2057 74 32 93.150726 tions 1 4 3 3 2 835 2056 34 33 88.040916 Z.3 1 4 4 0 0 704 2100 1275 150 -1 4 1 4 4 1 0 704 2100 1275 51 -1 5 1 4 4 1 1 704 2110 105 41 32.462265 8.5 1 4 4 1 2 832 2106 142 43 96.799408 Failing5 1 4 4 1 3 993 2110 38 28 96.935471 to5 1 4 4 1 4 1051 2117 59 21 96.935471 uses 1 4 4 1 5 1129 2106 60 31 96.538788 thes 1 4 4 1 6 1207 2109 89 28 96.876503 terms 1 4 4 1 7 1316 2105 163 32 95.154716 “amounts 1 4 4 1 8 1498 2100 184 37 95.902596 financed”5 1 4 4 1 9 1694 2107 37 28 97.003365 to5 1 4 4 1 10 1750 2103 151 32 96.964394 describes 1 4 4 1 11 1921 2103 58 31 96.815567 thea 1 4 4 2 0 740 2153 1239 44 -1 5 1 4 4 2 1 740 2154 141 37 95.391212 amounts 1 4 4 2 2 903 2157 40 33 95.391212 of5 1 4 4 2 3 964 2157 109 33 96.387451 credits 1 4 4 2 4 1096 2157 184 40 96.019485 extended;5 1 4 4 2 5 1305 2156 68 32 96.674507 ands 1 4 4 2 6 1395 2160 36 28 95.993279 to5 1 4 4 2 7 1453 2155 144 33 96.749023 discloses 1 4 4 2 8 1616 2154 60 33 96.405251 thes 1 4 4 2 9 1698 2157 142 29 96.301483 amounts 1 4 4 2 10 1858 2153 40 32 96.599205 of5 1 4 4 2 11 1920 2153 59 32 96.448540 thea 1 4 4 3 0 738 2181 1241 86 -1 5 1 4 4 3 1 738 2209 161 33 96.677910 “amounts 1 4 4 3 2 916 2208 167 52 96.979683 financed,5 1 4 4 3 3 1074 2205 30 20 0.000000 ,”5 1 4 4 3 4 1122 2219 37 21 96.212181 as5 1 4 4 3 5 1171 2181 163 69 95.543648 required5 1 4 4 3 6 1351 2207 46 43 96.897057 by5 1 4 4 3 7 1415 2206 138 57 96.900139 Sections 1 4 4 3 8 1564 2202 76 65 87.661171 226.5 1 4 4 3 9 1643 2205 80 46 87.807655 8(c)5 1 4 4 3 10 1735 2205 52 44 95.947899 (7)5 1 4 4 3 11 1812 2205 38 32 93.072197 of5 1 4 4 3 12 1866 2205 113 41 91.228165 Regu-3 1 4 5 0 0 672 2260 345 36 -1 4 1 4 5 1 0 672 2260 345 36 -1 5 1 4 5 1 1 672 2292 2 3 37.868134 .5 1 4 5 1 2 735 2260 112 46 73.487206 lations 1 4 5 1 3 868 2260 37 32 87.463615 Z.3 1 4 6 0 0 709 2295 1270 253 -1 4 1 4 6 1 0 709 2295 1268 57 -1 5 1 4 6 1 1 709 2304 100 39 55.383575 4,5 1 4 6 1 2 827 2295 143 57 96.750946 Failing5 1 4 6 1 3 984 2296 64 45 96.969345 to5 1 4 6 1 4 1037 2320 57 21 96.969345 uses 1 4 6 1 5 1108 2309 60 32 96.807167 thes 1 4 6 1 6 1182 2312 89 29 96.423920 terms 1 4 6 1 7 1286 2308 153 33 96.694984 “finances 1 4 6 1 8 1453 2308 145 42 96.870537 charge”5 1 4 6 1 9 1613 2311 36 28 96.413544 to5 1 4 6 1 10 1664 2306 153 33 93.804489 describes 1 4 6 1 11 1831 2306 57 32 96.791656 thes 1 4 6 1 12 1903 2316 74 22 96.791656 sum4 1 4 6 2 0 739 2334 1240 69 -1 5 1 4 6 2 1 739 2361 39 33 96.570274 of5 1 4 6 2 2 799 2361 49 33 96.035599 all5 1 4 6 2 3 868 2361 143 42 96.472466 charges5 1 4 6 2 4 1031 2359 159 42 96.472466 required5 1 4 6 2 5 1210 2359 47 43 96.582085 by5 1 4 6 2 6 1278 2358 139 35 96.504791 Sections 1 4 6 2 7 1435 2361 94 30 96.109711 226.45 1 4 6 2 8 1536 2334 53 57 79.205421 “of5 1 4 6 2 9 1609 2357 210 42 93.293549 Regulations 1 4 6 2 10 1837 2358 25 31 92.566917 Z5 1 4 6 2 11 1880 2360 39 29 96.933899 to5 1 4 6 2 12 1939 2356 40 33 96.933899 be4 1 4 6 3 0 739 2406 1240 46 -1 5 1 4 6 3 1 739 2407 162 51 96.478600 included5 1 4 6 3 2 921 2411 151 41 96.330605 therein;5 1 4 6 3 3 1096 2411 70 32 95.573730 ands 1 4 6 3 4 1186 2413 38 30 96.561928 to5 1 4 6 3 5 1245 2410 143 33 96.338562 discloses 1 4 6 3 6 1408 2410 58 32 96.744209 thes 1 4 6 3 7 1487 2410 114 32 96.166458 dollars 1 4 6 3 8 1621 2411 141 29 96.166458 amounts 1 4 6 3 9 1782 2407 40 33 96.996315 of5 1 4 6 3 10 1841 2407 59 33 93.272987 thes 1 4 6 3 11 1920 2406 59 33 86.418282 “fi-4 1 4 6 4 0 737 2437 1242 81 -1 5 1 4 6 4 1 737 2474 108 22 96.679565 nance5 1 4 6 4 2 862 2463 145 42 96.249947 charge”5 1 4 6 4 3 1025 2473 38 21 96.249947 as5 1 4 6 4 4 1064 2437 8 15 12.471474 ’5 1 4 6 4 5 1091 2461 148 42 83.692070 required5 1 4 6 4 6 1255 2461 46 42 96.277504 by5 1 4 6 4 7 1318 2460 139 35 96.277504 Sections 1 4 6 4 8 1473 2463 71 30 96.214722 226.5 1 4 6 4 9 1548 2460 77 58 91.946732 8(c)5 1 4 6 4 10 1639 2460 53 41 96.692368 (8)5 1 4 6 4 11 1707 2458 44 43 84.206390 (i)5 1 4 6 4 12 1775 2458 40 33 93.268578 of5 1 4 6 4 13 1831 2458 148 42 91.383194 Regula-4 1 4 6 5 0 737 2514 132 34 -1 5 1 4 6 5 1 737 2514 75 46 92.003929 tions 1 4 6 5 2 834 2514 35 32 89.548782 Z.3 1 4 7 0 0 738 2558 1242 150 -1 4 1 4 7 1 0 780 2558 1200 48 -1 5 1 4 7 1 1 780 2567 29 38 82.144310 5.5 1 4 7 1 2 828 2560 143 46 96.025833 Failing5 1 4 7 1 3 986 2550 38 46 96.991226 to5 1 4 7 1 4 1041 2563 144 33 96.970619 discloses 1 4 7 1 5 1201 2563 61 33 97.004967 thes 1 4 7 1 6 1279 2563 127 32 95.684349 annual5 1 4 7 1 7 1423 2566 204 38 96.501450 percentages 1 4 7 1 8 1643 2555 84 46 96.878532 rate,5 1 4 7 1 9 1744 2558 181 44 96.883919 computed5 1 4 7 1 10 1942 2559 38 32 96.253738 in4 1 4 7 2 0 738 2590 1241 91 -1 5 1 4 7 2 1 738 2605 206 57 96.572403 accordance5 1 4 7 2 2 946 2590 106 57 65.560226 “with5 1 4 7 2 3 1073 2613 141 39 94.891083 Sections 1 4 7 2 4 1234 2616 93 37 95.947044 226.55 1 4 7 2 5 1349 2614 40 31 96.989838 of5 1 4 7 2 6 1409 2609 209 72 96.326225 Regulations 1 4 7 2 7 1639 2612 37 53 37.504318 Z,5 1 4 7 2 8 1695 2622 39 22 83.276062 as5 1 4 7 2 9 1754 2611 159 60 96.860657 required5 1 4 7 2 10 1934 2611 45 42 96.436310 by4 1 4 7 3 0 739 2664 696 44 -1 5 1 4 7 3 1 739 2659 139 42 95.787018 Sections 1 4 7 3 2 887 2668 94 39 27.750252 226.85 1 4 7 3 3 989 2665 55 43 27.750252 (b)5 1 4 7 3 4 1058 2665 54 42 96.952545 (2)5 1 4 7 3 5 1129 2664 40 33 97.016861 of5 1 4 7 3 6 1179 2661 211 45 93.278648 Regulations 1 4 7 3 7 1399 2665 36 31 91.589310 Z.3 1 4 8 0 0 739 2713 1240 88 -1 4 1 4 8 1 0 781 2713 1198 45 -1 5 1 4 8 1 1 781 2717 28 32 95.954453 6.5 1 4 8 1 2 830 2710 147 48 96.871834 Failing5 1 4 8 1 3 996 2719 38 29 96.996300 to5 1 4 8 1 4 1056 2715 144 33 96.232147 discloses 1 4 8 1 5 1220 2715 61 32 96.617035 thes 1 4 8 1 6 1302 2725 76 22 95.958656 sums 1 4 8 1 7 1399 2714 40 33 96.084625 of5 1 4 8 1 8 1459 2714 60 44 96.856697 thes 1 4 8 1 9 1539 2713 81 33 96.110397 cash5 1 4 8 1 10 1642 2712 103 43 96.714531 price,5 1 4 8 1 11 1767 2713 59 32 67.913429 all5 1 4 8 1 12 1837 2713 142 52 97.009369 charges4 1 4 8 2 0 739 2764 1240 37 -1 5 1 4 8 2 1 739 2767 114 34 96.839142 which5 1 4 8 2 2 874 2778 59 22 96.550591 ares 1 4 8 2 3 955 2766 163 34 96.564140 included5 1 4 8 2 4 1139 2765 38 32 96.937080 in5 1 4 8 2 5 1198 2765 61 33 96.574677 thes 1 4 8 2 6 1279 2769 142 29 95.869255 amounts 1 4 8 2 7 1442 2754 157 43 95.855957 financed5 1 4 8 2 8 1620 2764 63 32 95.414597 but5 1 4 8 2 9 1703 2758 115 38 95.414597 which5 1 4 8 2 10 1833 2763 64 32 96.821930 ares 1 4 8 2 11 1918 2765 61 29 96.620789 not FEDERAL: TRADE COMMISSION: DECISIONS Decision and ‘Order 81 F.T.C;

| part of the finance charge, and the finatice charge, and to describe that sum as “deferred payment price” as required by: Section 226.8 be (c) (8)-(ii) of Regulation Z..:

4%, Failing to use the term “total of payments” to describe the sum of the payments scheduled to-repay: the indebtedness; and to disclose the number, dates.and amount of the sum of payments ;. |: Scheduled to-repay the indebtedness, as required. by Section 226.8 (b) (8): of Regulation.Z.

8. Failing to identify the method of computing any unearned. portion of the finance charge in the event of prepayment of the is obligation ‘as required by Section 226.8(b) (7) of Regulation Z. i De. (a): Failing in any transaction in which respondents 1 retain or. acquire. a, security interest in. real property which is used or expected to. be used as the principal residence of the. customer to 2 -»comply with all requirements regarding the right of rescission, set as ‘forth i in Section.226.9 of Regulation Z. «(b) Failing to disclose, or to. accurately disclose 0 on. the notice “of rescission, the date on which the customer’s right of. rescission >, expires, said date being not earlier than the third business day, fol- .: Jewing the date of the transaction, as required by Section 226. 9(b) > of Regulation Z.

10. Representing, directly or by implication, i in any advertisement, as “advertisement” is defined in Regulation Z, the amount of the downpayment required or that no downpayment is required, _ the amount of any installment payment, the dollar amount of any finance charge, the number of installments or the period of repayment, or that there is no charge for credit, unless all of the following items are stated in terminology prescribed under Section 226.8 of Regulation Z. :

(i). the cash price;

(ii) the amount of the downpayment required or that no downpayment is required, as applicable;

(iii) the number, amount, and due dates or period of payments scheduled to repay the indebtedness if the credit is extended ;

(iv) the amount of the finance charge. expressed as an an- 5 1 17 6 1 2 934 2430 83 39 96.461304 nual5 1 17 6 1 3 1028 2433 203 39 96.632996 percentages 1 17 6 1 4 1242 2433 88 37 28.726837 rate;5 1 17 6 1 5 1343 2429 67 44 28.726837 and3 1 17 7 0 0 985 2479 603 42 -1 4 1 17 7 1 0 985 2479 603 42 -1 5 1 17 7 1 1 985 2480 55 41 93.120476 (v)5 1 17 7 1 2 1069 2481 58 31 96.848793 thes 1 17 7 1 3 1139 2470 160 42 96.848793 deferred5 1 17 7 1 4 1312 2470 162 51 96.606773 payments 1 17 7 1 5 1486 2469 102 51 96.573364 price.3 1 17 8 0 0 848 2525 1244 241 -1 4 1 17 8 1 0 892 2525 1200 47 -1 5 1 17 8 1 1 892 2533 50 30 95.710503 11.5 1 17 8 1 2 965 2530 170 42 96.784706 Failing5 1 17 8 1 3 1127 2542 36 20 96.761086 in5 1 17 8 1 4 1183 2542 72 30 96.263107 any5 1 17 8 1 5 1271 2541 176 22 96.263107 consumers 1 17 8 1 6 1461 2529 113 44 96.245361 credits 1 17 8 1 7 1589 2527 213 39 96.654922 transactions 1 17 8 1 8 1821 2537 41 20 96.654922 or5 1 17 8 1 9 1874 2525 218 46 96.764465 advertising4 1 17 8 2 0 848 2563 1242 63 -1 5 1 17 8 2 1 848 2563 36 51 96.945274 to5 1 17 8 2 2 904 2582 108 38 77.660645 make.5 1 17 8 2 3 1024 2582 46 32 77.660645 all5 1 17 8 2 4 1091 2581 203 36 95.430748 disclosures5 1 17 8 2 5 1315 2567 210 58 96.513145 determined5 1 17 8 2 6 1546 2580 37 42 96.711411 in5 1 17 8 2 7 1604 2570 204 56 96.537956 accordance5 1 17 8 2 8 1830 2569 84 39 96.982048 with5 1 17 8 2 9 1936 2576 154 47 96.540115 Sections4 1 17 8 3 0 850 2617 1240 58 -1 5 1 17 8 3 1 850 2634 94 30 81.011536 226.45 1 17 8 3 2 962 2632 69 31 95.634995 ands 1 17 8 3 3 1051 2633 91 30 95.634995 226.55 1 17 8 3 4 1163 2631 39 31 96.920685 of5 1 17 8 3 5 1221 2621 208 52 96.697395 Regulations 1 17 8 3 6 1447 2630 25 32 91.879517 Z5 1 17 8 3 7 1492 2623 43 39 94.198837 at5 1 17 8 3 8 1546 2620 68 42 66.841553 the.5 1 17 8 3 9 1621 2617 94 58 76.153908 time.5 1 17 8 3 10 1721 2623 96 36 93.109245 and.5 1 17 8 3 11 1812 2638 33 21 93.694710 in5 1 17 8 3 12 1861 2627 59 32 96.496712 thes 1 17 8 3 13 1937 2624 153 42 95.649300 manner,4 1 17 8 4 0 853 2656 1237 106 -1 5 1 17 8 4 1 853 2683 91 31 94.479149 forms 1 17 8 4 2 969 2682 68 39 94.479149 ands 1 17 8 4 3 1062 2686 140 36 96.140198 amounts 1 17 8 4 4 1226 2656 170 70 92.700935 required.5 1 17 8 4 5 1405 2681 58 81 0.000000 *y5 1 17 8 4 6 1474 2673 150 76 72.769211 Sections5 1 17 8 4 7 1650 2671 72 56 91.104668 226,5 1 17 8 4 8 1725 2680 29 39 95.601822 6,5 1 17 8 4 9 1775 2669 110 52 93.192192 226.8,5 1 17 8 4 10 1903 2680 94 30 95.606125 226.95 1 17 8 4 11 2020 2677 70 33 95.713593 anda 1 17 8 5 0 851 2728 1043 51 -1 5 1 17 8 5 1 851 2720 122 52 83.650101 226.105 1 17 8 5 2 977 2733 39 32 93.208733 of5 1 17 8 5 3 1023 2728 205 51 93.273933 Regulations 1 17 8 5 4 1247 2733 36 31 85.538628 Z.5 1 17 8 5 5 1485 2758 86 6 26.642670 aot.5 1 17 8 5 6 1750 2758 144 6 19.853241 os ~GARPET INTERIORS, ET.AL... 329 31300 2. Decision. and Order Lt is further ordered;

a. That the respondents. herein shall forthwith distribute a copy «of ‘this order. to each of their respective operating divisions or ~ departments.

:-b.."That-the respondents herein shall forthwith distribute a copy of this. order to all present and future personnel of. respondents ‘engaged. inthe offering for sale, or sale, of. any carpeting or any other merchandise offered for sale by respondents or engaged i in '. the consummation of. any extension of consumer credit or in any aspect.of the preparation, creation, or placing of advertising, and that respondents secure a signed statement from all such personnel acknowledging receipt of said order from each such person. ce. That respondents herein shall notify the Commission at least thirty, (30) days. prior to any proposed. change in the corporate : Yespondent.such as:dissolution, assignment or sale resulting-in the emergence of a successor corporation, the creation or dissolution ‘of subsidiaries, or any other change i in the corporation which may affect compliance obligations arising out of this order. — d. That the respondents herein shall, within. sixty (60) days after-service upon them of this order, file with the Commission a report in. writing setting forth in detail the manner and form in which they have complied with this order.