Consumer protection refers to the laws designed to aid retail consumers of goods and services that have been improperly manufactured, delivered, performed, handled, or described. Such laws provide the retail consumer with additional protections and remedies not generally provided to merchants and others who engage in business transactions, on the premise that the consumers do not enjoy a sufficient bargaining position with respect to the businessmen with whom they deal and therefore should not be strictly limited by the legal rules that govern recovery for damages among businessmen. The overarching goal is to protect individuals and the interest of the public in general from unfair and misleading activity in business and commerce (such as false advertising and deceptive trade practices) and scams perpetrated by criminals (such as identity theft and pyramid schemes) that harm a substantial number of consumers.
Moraga (incorprating the former communities of Moraga Town, Rheem, and Rheem Valley) is an affluent suburban incorporated town located in Contra Costa County, California, United States, in the San Francisco Bay Area. It is named in honor of Joaquin Moraga, whose grandfather was José Joaquin Moraga, second in command to Juan Bautista de Anza. As of the 2000 census, Moraga was the 79th wealthiest place in the US with a population above 10,000. It is also the home of Saint Mary's College of California, a Catholic university with 3,962 undergraduate and postgraduate students in the 2007-2008 schoolyear. The college was originally located in San Francisco and then Oakland, but moved to Moraga in 1928. As of 2000, Moraga had a total population of 16,290, not including the college.