Unfair, Deceptive or Abusive Acts and Practices

Section 5 of the Federal Trade Commission Act (FTC Act), 15 USC 45(a)(1) (UDAP), prohibits “unfair or deceptive acts or practices in or affecting commerce.” The Dodd-Frank Act, makes it unlawful to engage in any unfair, deceptive or abusive act or practice (UDAAP), and gives the CFPB UDAAP rulemaking and enforcement authority. The Bureau states it models its interpretations of unfairness and deception under UDAAP on Section 5 of the FTC Act.

Learn more about our position by reading our policy overview.


 Recent Developments

  • There have been no recent developments related to UDAAP within the last six-months.

 The Basics



Note: The Federal trade Commission exercises UDAP authority against persons, partnerships, or corporations. However, it has no authority over banks, savings and loan institutions or Federal credit unions.



Exam Procedures








Questions? For more information, contact Rick Freer.