We also do HML's and we will only lend to entities to ensure that there is no characterization of the loan as a consumer loan.

Many come from the Fair Credit Act site and Consumer credit sites, related to repair your credit. 

However, Jon Goodman, a respected local real estate attorney, has written in his blog "This author knows of no situation where, absent harm to a consumer, a person encountered litigation or criminal prosecution for the unauthorized practice of brokerage."

2) If sending direct mail to consumers was illegal the CEO of Dominos would be doing 25 to life.

There's a file sitting on consumer fraud's dealing waiting to be analyzed hopefully to go after himIn the money I gave the GC, he did pay the plumber/electrician a deposit, who now is playing complete hardball.  

New construction that will improve the low inventory of available houses as well as increased consumer confidence will improve home sales in future months.

It's quite time consuming, and if you count postage it gets expensive.I know calling expireds is the best route, but it seems even calling first thing (if you can track down their #) the Homeowner already had 10 calls and is very annoyed by Agents. 

try to provide proof to PayPal but be prepared to lose the case since PayPal referees always take the consumer's side for merchants under  $1M. , sometimes before even reading the case.

Someone buys or creates a widget, wholesalers sell them to retailers who mark the widget up (also usually without providing value other than marketing it) and the consumer pays for it.  

Education, there is no limit to the amount of knowledge you can consume.