To protect consumers against their own impulsiveness and various questionable sales techniques, a number of federal , state & local laws and regulations allow consumers to terminate a contract under certain conditions. Please Take a position: Do you think it is ethical for a consumer to utilize protections of the Federal Trade Commission ( FTC) or the Federal Truth in lending Act regulations when his/her own good judgement should have suggested avoidance of the contract. Why or why not give examples.

Examples must come from a scholarly or peer-reviewed reference. Examples are to be properly cited in-text, and references in APA