Federal Register / Vol. 80, No. 25 / Friday, February 6, 2015 / Notices 6715 

Respondent used three different 

methods to obtain photographs for 

posting on the Web site. First, he 

requested that submitters send him 

nude photographs of other people along 

with personal information about the 

subject of each photograph, including 

the subject’s first and last name, city, 

state, phone number, and link to their 

Facebook profile. Second, Respondent 

obtained photographs by posing as a 

woman on the Craigslist advertising 

Web site and, after sending women 

photographs purportedly of himself, 

solicited photographs of them with their 

intimate parts exposed in return. When 

they did provide such photographs, 

Respondent posted them on his Web 

site without their permission. Third, 

Respondent instituted a ‘‘bounty 

system’’ on the Web site, whereby 

anyone could request that others find 

and post photos of a specific person in 

exchange for a reward of at least $100. 

Respondent posted the photographs and 

personal information he obtained 

without the permission of the subject of 

each photograph. In some instances, he 

added other personal information about 

the subjects based on his own research. 

In total, Respondent posted photographs 

and accompanying personal information 

of more than 1,000 people, the vast 

majority of whom were women. 

Respondent also advertised content 

removal services called ‘‘Takedown 

Hammer’’ and ‘‘Takedown Lawyer,’’ 

which promised to remove consumers’ 

content from the Web site for a 

substantial sum of money. In fact, 

Respondent himself owned these 

services, thereby attempting to obtain 

money to remove the same photographs 

that he had posted. 

The Commission’s complaint alleges 

two violations of the FTC Act. Count I 

alleges that Respondent unfairly 

disseminated photographs of 

individuals with their intimate parts 

exposed, along with personal 

information about them, for commercial 

gain and without the knowledge or 

consent of those depicted, despite the 

fact that he knew or should have known 

that the individuals had a reasonable 

expectation their image would not be 

disseminated in that manner. Count II 

alleges that Respondent deceptively 

solicited photographs from individuals 

of themselves with their intimate parts 

exposed by misrepresenting that he 

would use such photographs solely for 

his personal private use. 

The proposed order contains 

provisions designed to prevent 

Respondent from engaging in the future 

in practices similar to those alleged in 

the complaint. Part I prohibits 

Respondent from disseminating, 

through a Web site or online service, a 

video or photograph of an individual 

with his or her intimate parts exposed 

without: (1) Disclosing to the individual 

that he will disseminate the image 

through a Web site and for commercial 

gain; and (2) obtaining affirmative 

express consent in writing from the 

individual for such dissemination. 

Part II of the proposed order prohibits 

Respondent from, in connection with 

offering for sale any good or service, 

misrepresenting: (1) His collection, use, 

disclosure, or deletion of personal 

information; (2) his identity; or (3) the 

identity of those providing content or 

sponsoring advertising on a Web site. 

Part III of the proposed order prohibits 

Respondent from disclosing or 

benefitting from the images and 

personal information he obtained in 

connection with his Web site. Further, 

it requires him to destroy such images 

and personal information within 30 

days of entry of the order. 

Parts IV through VIII of the proposed 

order are reporting and compliance 

provisions. Part IV requires Respondent 

to retain documents relating to his 

compliance with the order for five years. 

Part V requires dissemination of the 

order to all current and future 

employees, agents, and representatives 

having responsibilities relating to the 

subject matter of the order. Part VI 

ensures notification to the FTC of 

changes in Respondent’s business or 

employment. Part VII mandates that 

Respondent submit a compliance report 

to the FTC within 60 days, and 

periodically thereafter as requested. Part 

VIII is a provision ‘‘sunsetting’’ the 

order after 20 years, with certain 

exceptions. 

The purpose of this analysis is to 

facilitate public comment on the 

proposed order. It is not intended to 

constitute an official interpretation of 

the proposed complaint or order or to 

modify the order’s terms in any way. 

By direction of the Commission. 

Donald S. Clark, 

Secretary. 

[FR Doc. 2015–02375 Filed 2–5–15; 8:45 am] 

BILLING CODE 6750–01–P 

FEDERAL TRADE COMMISSION 

[File No. 132 3262] 

Finance Select, Inc.; Analysis of 

Proposed Consent Order To Aid Public 

Comment 

AGENCY: Federal Trade Commission. 

ACTION: Proposed Consent Agreement. 

SUMMARY: The consent agreement in this 

matter settles alleged violations of 

Federal law prohibiting unfair or 

deceptive acts or practices. The attached 

Analysis to Aid Public Comment 

describes both the allegations in the 

draft complaint and the terms of the 

consent order—embodied in the consent 

agreement—that would settle these 

allegations. 

DATES: Comments must be received on 

or before March 3, 2015. 

ADDRESSES: Interested parties may file a 

comment at https://

ftcpublic.commentworks.com/ftc/

fastcashpawnconsent/ online or on 

paper, by following the instructions in 

the Request for Comment part of the 

SUPPLEMENTARY INFORMATION section 

below. Write ‘‘Finance Select, Inc.— 

Consent Agreement; File No. 1323262’’ 

on your comment and file your 

comment online at https://

ftcpublic.commentworks.com/ftc/

fastcashpawnconsent/ by following the 

instructions on the Web-based form. If 

you prefer to file your comment on 

paper, write ‘‘Finance Select, Inc.— 

Consent Agreement; File No. 1323262’’ 

on your comment and on the envelope, 

and mail your comment to the following 

address: Federal Trade Commission, 

Office of the Secretary, 600 

Pennsylvania Avenue NW., Suite CC– 

5610 (Annex D), Washington, DC 20580, 

or deliver your comment to the 

following address: Federal Trade 

Commission, Office of the Secretary, 

Constitution Center, 400 7th Street SW., 

5th Floor, Suite 5610 (Annex D), 

Washington, DC 20024. 

FOR FURTHER INFORMATION CONTACT: 

Helen Wong, Bureau of Consumer 

Protection, (202) 326–3779, 600 

Pennsylvania Avenue NW., Washington, 

DC 20580. 

SUPPLEMENTARY INFORMATION: Pursuant 

to Section 6(f) of the Federal Trade 

Commission Act, 15 U.S.C. 46(f), and 

FTC Rule 2.34, 16 CFR 2.34, notice is 

hereby given that the above-captioned 

consent agreement containing consent 

order to cease and desist, having been 

filed with and accepted, subject to final 

approval, by the Commission, has been 

placed on the public record for a period 

of thirty (30) days. The following 

Analysis to Aid Public Comment 

describes the terms of the consent 

agreement, and the allegations in the 

complaint. An electronic copy of the 

full text of the consent agreement 

package can be obtained from the FTC 

Home Page (for January 30, 2015), on 

the World Wide Web, at http://

www.ftc.gov/os/actions.shtm. 

You can file a comment online or on 

paper. For the Commission to consider 

your comment, we must receive it on or 

before March 3, 2015. Write ‘‘Finance 


asabaliauskas on DSK5VPTVN1PROD with NOTICES
6716 Federal Register / Vol. 80, No. 25 / Friday, February 6, 2015 / Notices 

1 In particular, the written request for confidential 

treatment that accompanies the comment must 

include the factual and legal basis for the request, 

and must identify the specific portions of the 

comment to be withheld from the public record. See 

FTC Rule 4.9(c), 16 CFR 4.9(c). 

Select, Inc.—Consent Agreement; File 

No. 1323262’’ on your comment. Your 

comment—including your name and 

your state—will be placed on the public 

record of this proceeding, including, to 

the extent practicable, on the public 

Commission Web site, at http://

www.ftc.gov/os/publiccomments.shtm. 

As a matter of discretion, the 

Commission tries to remove individuals’ 

home contact information from 

comments before placing them on the 

Commission Web site. 

Because your comment will be made 

public, you are solely responsible for 

making sure that your comment does 

not include any sensitive personal 

information, like anyone’s Social 

Security number, date of birth, driver’s 

license number or other state 

identification number or foreign country 

equivalent, passport number, financial 

account number, or credit or debit card 

number. You are also solely responsible 

for making sure that your comment does 

not include any sensitive health 

information, like medical records or 

other individually identifiable health 

information. In addition, do not include 

any ‘‘[t]rade secret or any commercial or 

financial information which . . . is 

privileged or confidential,’’ as discussed 

in Section 6(f) of the FTC Act, 15 U.S.C. 

46(f), and FTC Rule 4.10(a)(2), 16 CFR 

4.10(a)(2). In particular, do not include 

competitively sensitive information 

such as costs, sales statistics, 

inventories, formulas, patterns, devices, 

manufacturing processes, or customer 

names. 

If you want the Commission to give 

your comment confidential treatment, 

you must file it in paper form, with a 

request for confidential treatment, and 

you have to follow the procedure 

explained in FTC Rule 4.9(c), 16 CFR 

4.9(c).1 Your comment will be kept 

confidential only if the FTC General 

Counsel, in his or her sole discretion, 

grants your request in accordance with 

the law and the public interest. 

Postal mail addressed to the 

Commission is subject to delay due to 

heightened security screening. As a 

result, we encourage you to submit your 

comments online. To make sure that the 

Commission considers your online 

comment, you must file it at https://

ftcpublic.commentworks.com/ftc/

fastcashpawnconsent/ by following the 

instructions on the Web-based form. If 

this Notice appears at http://

www.regulations.gov/#!home, you also 

may file a comment through that Web 

site. 

If you file your comment on paper, 

write ‘‘Finance Select, Inc.—Consent 

Agreement; File No. 1323262’’ on your 

comment and on the envelope, and mail 

your comment to the following address: 

Federal Trade Commission, Office of the 

Secretary, 600 Pennsylvania Avenue 

NW., Suite CC–5610 (Annex D), 

Washington, DC 20580, or deliver your 

comment to the following address: 

Federal Trade Commission, Office of the 

Secretary, Constitution Center, 400 7th 

Street SW., 5th Floor, Suite 5610 

(Annex D), Washington, DC 20024. If 

possible, submit your paper comment to 

the Commission by courier or overnight 

service. 

Visit the Commission Web site at 

http://www.ftc.gov to read this Notice 

and the news release describing it. The 

FTC Act and other laws that the 

Commission administers permit the 

collection of public comments to 

consider and use in this proceeding as 

appropriate. The Commission will 

consider all timely and responsive 

public comments that it receives on or 

before March 3, 2015. You can find 

more information, including routine 

uses permitted by the Privacy Act, in 

the Commission’s privacy policy, at 

http://www.ftc.gov/ftc/privacy.htm. 

Analysis of Proposed Consent Order To 

Aid Public Comment 

The Federal Trade Commission 

(‘‘FTC’’ or ‘‘Commission’’) has accepted, 

subject to final approval, an agreement 

containing a consent order from Finance 

Select, Inc. The proposed consent order 

has been placed on the public record for 

thirty (30) days for receipt of comments 

by interested persons. Comments 

received during this period will become 

part of the public record. After thirty 

(30) days, the FTC will again review the 

agreement and the comments received, 

and will decide whether it should 

withdraw from the agreement and take 

appropriate action or make final the 

agreement’s proposed order. 

The respondent is a car title loan 

company. According to the FTC 

complaint, respondent has advertised its 

loans with advertisements that broadly 

state that the title loans are available for 

‘‘1st 30 Days 0%.’’ In much smaller 

print, these advertisements state ‘‘New 

Customers Only.’’ However, 

respondent’s advertisements fail to 

disclose that unless the loan is 

completely repaid in 30 days, the 0% 

offer does not apply and there is a 

significant finance charge. If a consumer 

does not repay the loan in full in 30 

days, he or she would then be required 

to pay the finance charge for the first 30 

days in addition to any additional 

finance charges incurred on day 31 (to 

start the second 30-day period). The 

advertisements also fail to disclose the 

amount of the finance charge after 

expiration of the 30-day introductory 

period. The proposed complaint alleges 

that these material omissions constitute 

a deceptive act or practice under 

Section 5 of the FTC Act. 

The proposed order is designed to 

prevent the respondent from engaging in 

similar deceptive practices in the future. 

Part I prohibits the respondent from 

stating an introductory or temporary 

finance charge without disclosing, 

clearly and conspicuously, the finance 

charge after the introductory or 

temporary period ends; or the full effect 

of failing to make a timely complete 

repayment of the loan within the 

introductory or temporary time period. 

Respondent must further disclose all 

qualifying terms associated with 

obtaining the loan at its advertised rate, 

including but not limited to, minimum 

loan requirements, new customer 

requirements, and any other material 

term; all costs associated with obtaining 

the loan, including but not limited to 

transaction costs. Respondent also 

cannot misrepresent registration costs or 

fees, recording costs or fees, and title 

fees; and respondent cannot 

misrepresent any other material fact 

about the terms of the loan. 

Parts II through VI of the proposed 

order are reporting and compliance 

provisions. Part II is an order 

distribution provision that requires 

respondent to provide the order to 

current and future principals, officers, 

directors, and managers and to all 

current employees, agents, and 

representatives having responsibilities 

with respect to the advertisement of 

consumer credit. Part III of the proposed 

order requires respondent to maintain 

and upon request make available to the 

Commission certain compliance-related 

records, including all advertisements 

and also consumer complaints and 

records that demonstrate compliance 

with the proposed order for a period of 

five years. Part IV requires respondent 

to notify the Commission of corporate 

changes that may affect compliance 

obligations within 30 days of such a 

change. Part V requires respondent to 

submit a compliance report to the 

Commission 60 days after entry of the 

order, and also additional compliance 

reports within 10 business days of a 

written request by the Commission. Part 

VI ‘‘sunsets’’ the order after 20 years, 

with certain exceptions. 

The purpose of this analysis is to aid 

public comment on the proposed order. 

It is not intended to constitute an 


asabaliauskas on DSK5VPTVN1PROD with NOTICES
Federal Register / Vol. 80, No. 25 / Friday, February 6, 2015 / Notices 6717 

1 In particular, the written request for confidential 

treatment that accompanies the comment must 

include the factual and legal basis for the request, 

and must identify the specific portions of the 

comment to be withheld from the public record. See 

FTC Rule 4.9(c), 16 CFR 4.9(c). 

official interpretation of the complaint 

or proposed order, or to modify in any 

way the proposed order’s terms. 

By direction of the Commission. 

Donald S. Clark, 

Secretary. 

[FR Doc. 2015–02376 Filed 2–5–15; 8:45 am] 

BILLING CODE 6750–01–P 

FEDERAL TRADE COMMISSION 

[File No. 132 3264] 

First American Title Lending of 

Georgia, LLC; Analysis of Proposed 

Consent Order To Aid Public Comment 

AGENCY: Federal Trade Commission. 

ACTION: Proposed Consent Agreement. 

SUMMARY: The consent agreement in this 

matter settles alleged violations of 

federal law prohibiting unfair or 

deceptive acts or practices. The attached 

Analysis to Aid Public Comment 

describes both the allegations in the 

draft complaint and the terms of the 

consent order—embodied in the consent 

agreement—that would settle these 

allegations. 

DATES: Comments must be received on 

or before March 3, 2015. 

ADDRESSES: Interested parties may file a 

comment at https://

ftcpublic.commentworks.com/ftc/

firstamericanlendingconsent/ online or 

on paper, by following the instructions 

in the Request for Comment part of the 

SUPPLEMENTARY INFORMATION section 

below. Write ‘‘First American Title 

Lending of Georgia, LLC—Consent 

Agreement; File No. 1323264’’ on your 

comment and file your comment online 

at https://ftcpublic.commentworks.com/

ftc/firstamericanlendingconsent/ by 

following the instructions on the webbased form. If you prefer to file your 

comment on paper, write ‘‘First 

American Title Lending of Georgia, 

LLC—Consent Agreement; File No. 

1323264’’ on your comment and on the 

envelope, and mail your comment to the 

following address: Federal Trade 

Commission, Office of the Secretary, 

600 Pennsylvania Avenue NW., Suite 

CC–5610 (Annex D), Washington, DC 

20580, or deliver your comment to the 

following address: Federal Trade 

Commission, Office of the Secretary, 

Constitution Center, 400 7th Street SW., 

5th Floor, Suite 5610 (Annex D), 

Washington, DC 20024. 

FOR FURTHER INFORMATION CONTACT: 

Helen Wong, Bureau of Consumer 

Protection, (202) 326–3779, 600 

Pennsylvania Avenue NW., Washington, 

DC 20580. 

SUPPLEMENTARY INFORMATION: Pursuant 

to Section 6(f) of the Federal Trade 

Commission Act, 15 U.S.C. 46(f), and 

FTC Rule 2.34, 16 CFR 2.34, notice is 

hereby given that the above-captioned 

consent agreement containing consent 

order to cease and desist, having been 

filed with and accepted, subject to final 

approval, by the Commission, has been 

placed on the public record for a period 

of thirty (30) days. The following 

Analysis to Aid Public Comment 

describes the terms of the consent 

agreement, and the allegations in the 

complaint. An electronic copy of the 

full text of the consent agreement 

package can be obtained from the FTC 

Home Page (for January 30, 2015), on 

the World Wide Web, at http://

www.ftc.gov/os/actions.shtm. 

You can file a comment online or on 

paper. For the Commission to consider 

your comment, we must receive it on or 

before March 3, 2015. Write ‘‘First 

American Title Lending of Georgia, 

LLC—Consent Agreement; File No. 

1323264’’ on your comment. Your 

comment—including your name and 

your state—will be placed on the public 

record of this proceeding, including, to 

the extent practicable, on the public 

Commission Web site, at http://

www.ftc.gov/os/publiccomments.shtm. 

As a matter of discretion, the 

Commission tries to remove individuals’ 

home contact information from 

comments before placing them on the 

Commission Web site. 

Because your comment will be made 

public, you are solely responsible for 

making sure that your comment does 

not include any sensitive personal 

information, like anyone’s Social 

Security number, date of birth, driver’s 

license number or other state 

identification number or foreign country 

equivalent, passport number, financial 

account number, or credit or debit card 

number. You are also solely responsible 

for making sure that your comment does 

not include any sensitive health 

information, like medical records or 

other individually identifiable health 

information. In addition, do not include 

any ‘‘[t]rade secret or any commercial or 

financial information which . . . is 

privileged or confidential,’’ as discussed 

in Section 6(f) of the FTC Act, 15 U.S.C. 

46(f), and FTC Rule 4.10(a)(2), 16 CFR 

4.10(a)(2). In particular, do not include 

competitively sensitive information 

such as costs, sales statistics, 

inventories, formulas, patterns, devices, 

manufacturing processes, or customer 

names. 

If you want the Commission to give 

your comment confidential treatment, 

you must file it in paper form, with a 

request for confidential treatment, and 

you have to follow the procedure 

explained in FTC Rule 4.9(c), 16 CFR 

4.9(c).1 Your comment will be kept 

confidential only if the FTC General 

Counsel, in his or her sole discretion, 

grants your request in accordance with 

the law and the public interest. 

Postal mail addressed to the 

Commission is subject to delay due to 

heightened security screening. As a 

result, we encourage you to submit your 

comments online. To make sure that the 

Commission considers your online 

comment, you must file it at https://

ftcpublic.commentworks.com/ftc/

firstamericanlendingconsent/ by 

following the instructions on the webbased form. If this Notice appears at 

http://www.regulations.gov/#!home, you 

also may file a comment through that 

Web site. 

If you file your comment on paper, 

write ‘‘First American Title Lending of 

Georgia, LLC—Consent Agreement; File 

No. 1323264’’ on your comment and on 

the envelope, and mail your comment to 

the following address: Federal Trade 

Commission, Office of the Secretary, 

600 Pennsylvania Avenue NW., Suite 

CC–5610 (Annex D), Washington, DC 

20580, or deliver your comment to the 

following address: Federal Trade 

Commission, Office of the Secretary, 

Constitution Center, 400 7th Street SW., 

5th Floor, Suite 5610 (Annex D), 

Washington, DC 20024. If possible, 

submit your paper comment to the 

Commission by courier or overnight 

service. 

Visit the Commission Web site at 

http://www.ftc.gov to read this Notice 

and the news release describing it. The 

FTC Act and other laws that the 

Commission administers permit the 

collection of public comments to 

consider and use in this proceeding as 

appropriate. The Commission will 

consider all timely and responsive 

public comments that it receives on or 

before March 3, 2015. You can find 

more information, including routine 

uses permitted by the Privacy Act, in 

the Commission’s privacy policy, at 

http://www.ftc.gov/ftc/privacy.htm. 

Analysis of Proposed Consent Order To 

Aid Public Comment 

The Federal Trade Commission 

(‘‘FTC’’ or ‘‘Commission’’) has accepted, 

subject to final approval, an agreement 

containing a consent order from First 

American Title Lending of Georgia, LLC, 

or respondent. The proposed consent 


asabaliauskas on DSK5VPTVN1PROD with NOTICES