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General Overview

UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business. This includes misrepresentation, deception, false advertising, or false promises. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

The organizations which regulate and enforce UDAAP laws are the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). The FTC expanded the initial UDAAP laws in 2004 to include unfair and deceptive acts and practices. Some standards for unfairness, in particular, include if it causes or is likely to cause substantial injury to consumers, the injury is not reasonably avoidable by consumers, and the injury is not outweighed by countervailing benefits to consumers or to competition.


The Idaho Consumer Protection Act (ICPA), Idaho Code Ann. Sections 48-601 through 48-619, is Idaho’s strong UDAP statute broadly prohibiting unfair, deceptive, and unconscionable acts. A few examples of violations of the ICPA include passing off goods or services as being from a person or company they’re not from, deception about the geographic origin of goods or services, price gouging, and false advertising.

A weakness of the ICPA is that it provides a blanket exemption for insurance companies. The statute of limitations for bringing forth a lawsuit is two years. A successful plaintiff may recover compensatory damages, punitive damages, as well as attorney’s fees for the case. In order to file an ICPA lawsuit, the plaintiff must establish that they suffered a loss as a result of a purchase or lease transaction which is in violation of the Act.

UDAAP and Arbitration

Arbitration is an out-of-court proceeding where a neutral third-party (the arbitrator) hears all the evidence from both sides and makes a decision about the case, which may or may not be binding. Binding arbitration, the most common type of arbitration, means that the decision is enforceable in a court of law and participants agree to abide by the decision. Some contracts allow for non-binding arbitration, meaning that either party is free to reject the arbitrator’s decision and take the dispute to court, although this is less common.

Arbitration has many advantages over traditional litigation, including being faster, more flexible in scheduling, and more efficient. Arbitration also avoids the hostility that can accompany court cases, remains confidential, and allows for an arbitrator who is a professional in the field to be selected instead of a judge who may not have familiarity with the issues at hand. 

If you have a UDAAP claim, chances are we can bring your claim in arbitration.  Arbitration is a very useful tool for resolving disputes, and Agruss Law Firm, LLC can help. With our expert guidance, we bring the big companies to the table and provide the support needed to get your bills corrected, credit reports fixed, improper fees refunded, and more. Let us pick up the sword for you; you have nothing to lose.

We see you as a person, not just a client – and that makes us better at the work we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would.  Our unique formula has earned us over 1,070 outstanding client reviews on our website, an A+ BBB rating, and over 155 five-star reviews on Google. Call 888-572-0176, e-mail us at [email protected], or schedule a meeting with us here. We’re here 24/7.

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Submitted Comments

3 months ago
I have filed a dispute with four major card issuers against a merchant and I am fighting to have a refund that is well beyond the 60 days which the card issuers state that they are past the timeframe to assist. I am still paying on the balance for the original transaction. I filed a formal complaint back in 2020 asking that the matter be corrected under Claims and Defenses and again in October 2022 because there had been a significant material change so I reasserted my position of claims and defenses for fraud on charges that appear on my credit card account for services that have been fraudulently misrepresented using unfair and deceptive acts which includes violations of the FTC Act, CRFA, Telemarketing Act, TSR, UCSPA, BODA and TFPA from ADVANCED REAL ESTATE EDUCATION/High Point Education under the Flippin on the Side Investor Education aka ZURIXX, LLC and its related entities. I am again requesting your help to resolve the matter. This company is no longer doing business and has been investigated in which a lawsuit was filed by the FTC. Case No. 2:19-CV-00713-DAK-DAO - UNITED STATES DISTRICT COURT FOR THE DISTRICT OF UTAH, CENTRAL DIVISION, FEDERAL TRADE COMMISSION, and UTAH DIVISION OF CONSUMER PROTECTION, Plaintiffs, vs. ZURIXX, LLC, et al. Defendants. Is this something you are able to assist with or do you know someone who can?