Kansas Consumer Protection Acts

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When Does a Consumer Transaction Start and Ends  

 

                       Interpretation Of Kansas Consumer Protection Acts 

     

Unconscionable acts under KCPA 50-627(a) are not subordinate to 50-624 (c)

"What is a consumer transaction." 

Reasoning:

   

         ICC's Interpretation of Unconscionable Acts Under the Kansas Consumer Protection Act

 

                                Important words In the KCPA   When does a consumer transaction start

                                                                                 Before, during or after the transaction

                                                                                Consumer Transaction

                                                                                The Supplier

50-627. Unconscionable acts and practices. (a) No supplier shall engage in any unconscionable act or practice in connection with a consumer transaction. An unconscionable act or practice violates this act whether it occurs before, during or after the transaction.

            (b)  The unconscionability of an act or practice is a question for the courIn determining whether an act  or practice  is  unconscionable, the court shall consider circumstances of which the supplier knew or  had reason to know, such as, but not limited to the following that:

            (1) The supplier took advantage of the inability of the consumer reasonably to protect the  consumer's interests because of the consumer's physical infirmity, ignorance, illiteracy, inability to understand  the language of an agreement or similar factor;

            (2) when the consumer transaction was entered into, the price grossly exceeded the price at which  similar property or services were readily obtainable in similar transactions by similar consumers;

            (3) the consumer was unable to receive a material benefit from the subject of the transaction;

            (4) when the consumer transaction was entered into, there was no reasonable probability of payment  of  the obligation in full by the consumer;

            (5) the transaction the supplier induced the consumer to enter into was excessively onesided in favor of the supplier;

            (6) the supplier made a misleading statement of opinion on which the consumer was likely to rely to consumer's  detriment; and

            (7) except as provided by K.S.A. 50-639, and amendments thereto, the supplier excluded, modified   or otherwise attempted to limit either the implied warranties of merchant ability and fitness for a particular  purpose or any  remedy  provided by law for a breach of those warranties.

History: L. 1973, ch. 217, § 5; L. 1976, ch. 236, § 4; L. 1983, ch. 180, § 1; L. 1991, ch. 159, § 3; L. 1998, ch. 99, § 1; Apr. 16.

 

                                                   PROBLEM UNDERSTANDING THE STATUTE

 

            The KCPA statute 50-627(a) states: "consumer transaction," then states: "before, during, or  after the transaction."

             In statute 50-627(2) it uses the word "consumer transaction." In statute 50-627(4) it uses the word "consumer 

             transaction."  However In statute 50-627(3) the statute uses the word, "the transaction." In statute 50-627(5)

             the statute uses the word "the transaction." In statute 50-627(1),(6) it uses the word, "the consumer," 

             Finally, 50-627(7), the statute uses the word "the supplier." 2 times.

 

     

                                                                          ANALYSIS AND LOGIC

                                                                                    The Transaction:

           50-627(a)   If consumer transaction means after the exchange of  money, property and /or service value then, before, during, or after the transaction only apply to 50-627(3), the consumer was  unable to receive a  material benefit from the subject of the transaction;  50-627(5) the transaction                                       the supplier induced the consumer to enter into was excessively one-sided in favor of the supplier. 

       

                              Therefore, statutes: 50-627 (3), (5) only applies, before, during, or after the transaction.

 

                                                                               Consumer Transaction:

           50-627 (2)   when the consumer transaction was entered into, the price grossly exceeded the price  at  which similar property or services were readily obtainable in similar transactions by similar  consumers; 50-627(4);  when the consumer  transaction was entered into, there was no reasonable                    probability of payment of the obligation in full by the consumer.

                              

                              Therefore, statutes:  50-627 (2), 50-627(4), only applies to after the exchange of money, property  and/or service value. Critically, only two statues apply to "consumer transaction." meaning after the  exchange of money, property and/or service (value).

 

                                                                                 The Consumer :

            50-627(6)  the supplier made a misleading statement of opinion on which the consumer was likely to  rely to the consumer's detriment;

 

                                                                                   The Supplier

            50-627(1)   The supplier took advantage of the inability of the consumer reasonably to protect the  consumer's interests because of the consumer's physical infirmity, illiteracy, inability to understand  the languages of an agreement  or similiar factors;                                   

           50-627(7)   except as provided by KSA 50-639 and amendments thereto, the supplier  excluded, modified, or otherwise attempted to limit either the implied warranties of merchantability and  fitness for a particular purpose or any remedy provided by law for a breach of those warranties.

                              Therefore statutes: (1)  (6), (7) only applies to 50-627(a) "before, during, or after  the transaction."  Note the  words "consumer transaction is not in the statutes: 50-627 (1), (6), (7); can only apply to 50-627(a) "before, during or after  the transaction."

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