Consumer Issues
FTC puts brakes on deceptive advertising in auto ads

With sliding auto sales among millenials and a looming holiday season, deceptive advertising in auto ads is bound to see an uptick


While consumers’ heads were a-spinning, important information went a-hiding. As a result, a car dealership chain in the Midwest has agreed to pay $3,60,000 to settle charges of deceptive advertising and consumers are reminded what to look out for in auto ads before they head down to the dealership.

Billion Auto and its affiliated advertising company used a barrage of “multi-sensory effects,” such as the rapid-fire transitions featured in the TV commercial embedded above, to deflect consumers’ attention away from crucial terms disclosed in the fine print, the FTC said in its complaint. Those terms included how low monthly payments were only tied to leases and not sales; how discounts were harder to come by than advertised; and how several offers carried significant added costs.


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As Controlled Substance Use Rises in Medicare, Prolific Prescribers Face More Scrutiny

Despite warnings about abuse, Medicare covered more prescriptions for potent controlled substances in 2012 than it did in 2011. The program’s top prescribers often have faced disciplinary action or criminal charges related to their medical practices.


Despite a national crackdown on prescription drug abuse, doctors churned out an ever-larger number of prescriptions for the most-potent controlled substances to Medicare patients, new data shows.

In addition, ProPublica found, the most prolific prescribers of such drugs as oxycodone, fentanyl, morphine and Ritalin often have worrisome records.

In 2012, the most recent year for which data is available, Medicare covered nearly 27 million prescriptions for powerful narcotic painkillers and stimulants with the highest potential for abuse and dependence. That's up 9 percent over 2011, compared to a 5 percent increase in Medicare prescriptions overall. Even taking into account an increase in the number of Medicare enrollees, the prescribing rate rose slightly for these drugs, which are classified as Schedule 2 controlled substances by the Drug Enforcement Administration.

Twelve of Medicare's top 20 prescribers of Schedule 2 drugs in 2012 have faced disciplinary actions by their state medical boards or criminal charges related to their medical practices, and another had documents seized from his office by federal agents.

The No. 1 prescriber — Dr. Shelinder Aggarwal of Huntsville, Ala., with more than 14,000 Schedule 2 prescriptions in 2012 — had his controlled substances certificate suspended by the state medical board in March 2013. He surrendered his medical license four months later. (Aggarwal could not be reached for comment.)

Prescribing high volumes of Schedule 2 drugs can indicate a doctor is running a pill mill, said Dr. Andrew Kolodny, chief medical officer of Phoenix House, a New York-based drug treatment provider. Government regulators should do more to monitor prescribing patterns and intervene proactively if they appear aberrant, he said.

"We wait 'til these doctors kill people," said Kolodny, founder of Physicians for Responsible Opioid Prescribing, which advocates for tighter regulation of painkillers. "It doesn't make any sense."

Medicare's drug program, known as Part D, now covers about 38 million seniors and disabled people and pays for more than one of every four prescriptions dispensed in this country. Concerns about oversight of controlled substances date back to at least 2011, when the Government Accountability Office highlighted abuse of opioids in Part D and called on Medicare to take action.

Within the past year, Medicare has started to use prescribing data to identify potentially problematic doctors, as have some state medical boards. Beginning in mid-2015, Medicare will have the authority to kick doctors out of the program if they prescribe in abusive ways.

 "It's a real area of concern for us," said Dr. Shantanu Agrawal, director of the Center for Program Integrity within the federal Centers for Medicare and Medicaid Services.

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Shocking! Your data for passport may land in someone else's hand

Why has the government allowed an insurance company to get personal details of passport applicants and is subjecting them to promotional content?


Automation in processes certainly has made Passport applications painless. However, with the advancement of technology, it appears that the marketers are willing to obtain your personal information at any cost. And the government is obliging. So, while filing your online application for passport, make sure to read every field and select only those options that are applicable to you.


The case in point is, while filing passport application form on, under the self-declaration, you are supposed to choose some option for obtaining additional services and facilities. However, you must read the terms and conditions for these additional services. For example, while accepting to get an SMS to know the status of your passport application, you should know that this is a paid service. In addition, you need to agree to accept some promotional content along with the SMS alerts. But more about this later.


What is most shocking, is that the default option under the additional benefit for passport applicant comes checked automatically. The default option is nothing but your consent to share all your personal data with an insurance company, Cholamandalam MS General Insurance (Chola MS). Earlier it was Tata AIG for life insurance. The (default-selected) option says, "YES, share my name, contact details, gender, application type and educational qualification with Chola-MS for Chola Shubh Yatra Travel INSURANCE products/plans."



We asked Tata Consultancy Services (TCS, which manages all the Passport Seva Kendra-PSK across the country) about allowing a third party vendor to access personal details of passport applicants.


In an email reply, an official from TCS said, "Explicit consent is sought from an applicant for sharing personal details. The name of the company (Chola MS for example) and the purpose for which the data will be shared is explicitly stated. In this case, it is for Shubh Yatra Travel Insurance - a product Chola has specifically come up for Passport Applicants. The applicant needs to explicitly select the checkbox marked YES (it is NOT selected by default) in case he would like to share his details (mentioned again-name, contact number etc). If he is not interested, he clicks on the checkbox marked NO. You will appreciate that which data is shared and with whom, is transparently stated and the applicant may choose to click on the checkbox if he has interest in the offer."


Now, coming back to the SMS alerts, you need to pay Rs30 at the Passport Seva Kendra (PSK) as onetime enrolment charges. Unfortunately, despite paying money, there is no guarantee that you would escape from promotional messages.


The portal states: "With enrolment for this service, I agree to receive SMS updates from Passport Seva, which may also contain promotional content. I also agree to pay the charges for the SMS that I would send to Passport Seva as per my mobile service operator tariff norms."


The question is, when the applicant is paying money to obtain services, why should he be subjected to breach of privacy? Why should the applicants share her personal details with a third party? In addition, when you are paying to receive SMS alerts, why you should be subjected to promotional content? Hope the authorities take proper note of this and initiate rectification measure at the earliest.




3 years ago

Also all visa applicants (for various countries or to India) have to pay not just the relevant govt but Kuoni as well in India! You are already paying for the visa, why should you pay Kuoni, especially as your application is correctly filled in?

If someone cannot fill their properly, the govt cannot let Kuoni charge for that. The Kuoni scam is going on for years

Anti Corruption

3 years ago

Let those who are involved in exposing the personal details of the passport be exposed and and let the government be held responsible and removed.

Simple Indian

3 years ago

I am amazed such provisions in a Govt of India Application Form has even found a place, to say the least. Such discreet methods of promoting crony capitalism is becoming more common these days. The Govt should have nothing to do with services offered by a private firm, regardless of how it may benefit citizens. It should be left to the wisdom of citizens, and the firms to interact with each other for mutual benefit, and Govt should stay outside such interactions.


3 years ago

India's Governments have always sold their Non Governmental Ciizens (aka serfs) down the river. Now they are selling your particulars to the highest bidder like Aadhar has been doing in France!

Dr Anantha K Ramdas

3 years ago

My heartful thanks to the Moneylife Digital Team for raising this issue.

Personal details include the full name, address and other related particulars. In fact, there should be a SEPARATE, highlighted area where attention must be drawn to applicant, whether he/she wants to SHARE the information contained in the application with any and everybody! In most cases, such requests are sneaked in between what looks to be innocuous reference and this is overlooked by someone filling up a lengthy form!

In a similar fashion, take the case of CDSL or similar body who maintains your stock list. When corporate bodies send in their notices, or dividends, one's full name and address is given on the envelope. This needs to be avoided to prevent loss of identity which can be "stolen" at ease, by simply picking up a mail dropped at one's own address! Identity theft is a growing menace all over the world, and with the details, available, one can apply and obtain even a passport.

Like the caveat emptor, the applicant has to be careful, but, having one's fully expanded names in correspondence with CDSL, Banks etc is dangerous. I have tried to impress my Bankers to use my initials instead of full name, but have not been able to succeed, yet!

Congrats to the Team for raising this important issue.


3 years ago

I don't think personal details are shared in this case. Only the person's email address and cell phone number are shared. Those two factors aren't really personal any more in the context of the direct marketing. The lead however, from the point of view of an insurance company is a qualified lead - qualified to the extent that an intent to acquire/renew a passport potentially means a journey.

As a user who opted for these services recently, I can tell you that the details were NOT mis-used. Moreover, I can (or you can) block the sender on most email programs or block the caller on your cell phone.

In short, in my humble opinion if subjected to a fair use policy, the levels of data share are not shocking.



In Reply to dv 3 years ago

Anything which can be co-related back to you is your identity. Your email address & mobile number is used as your identity in many services, for example Moneylife itself. Why do you think Facebook paid 19 Billion $ for WhatsApp?

Sadanand Patwardhan

3 years ago

What else to expect when government abdicates its responsibility and private interests move in to fill in the vacuum. Expect more of this with widening and deepening liberalisation and shrinking of government responsibilities on the pretext it has failed, which it has been allowed to.

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