Do Writing Requirements Protect the Consumer or the Business? Many of the consumer protection writing requirements involve disclosing onerous terms to the consumer as part of the writ- ten contract. As long as the consumer has received the written disclosure, he or she will be bound by the terms. In the fast- paced world of online contracting, few consumers have the to read the disclosed terms and have no power to bargain for a change in terms if they are dissatisfied. Onerous terms are presented on a take-it-or-leave-it basis. Furthermore, even when a cancellation right is available, finding a business that does not require agreement to similar one-sided terms might be impossible for the consumer. In this light, written disclosure requirements may not actually protect the consumer