According to the AAA, a consumer dispute is a dispute that involves a consumer agreement, which is: “… an agreement between an individual consumer and a business where the business has a standardized, systematic application of arbitration clauses with customers …” JAMS defines a “consumer” as someone who seeks or acquires goods or services primarily for personal or household purposes, including the credit or banking transactions associated with those purchases. In consumer dispute cases arbitrated by AAA or JAMS, most of the cost of the arbitration is borne by the firm. That’s why it is important to determine whether or not your claim is considered a consumer dispute.