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> How the heck is this not criminal fraud?

It probably is; however, it's probably also not being enforced, since no government agency in the US seems to have the teeth or the will to protect consumer rights to the level they are elsewhere.

Also, when they do get a bit too willing, their regulatory activities get shut down or their funding cut because they become a little too visible in the public eye (who has a negative view of government agencies and federal employees in general). Very few government agencies have the courage to take actions that might end up on Washington Post etc.




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