Consumer law is a combination of federal and state law.
There are numerous federal and state statutes, as well as judicial decisions, relating to consumer protection. The level of state consumer protection varies depending on the needs of consumers and the policy views of state legislators and courts in each particular state. For example, the insurance business is a highly-regulated industry with many state laws both requiring and prohibiting certain insurance policy provisions and practices. Similarly, restrictions on the practice of various professions, such as the medical and legal professions, protect consumers of those services. Requirements that certain businesses be licensed, such as contracting and plumbing businesses, also afford protection.