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spec: Lydia Parnes , Director of the FTC ’ s Bureau of Consumer Protection said the FTC enforces three laws that restrict the disclosure of consumer information and require companies to ensure the security and integrity of the data in certain contexts : the Fair Credit Reporting Act restricts disclosure of consumer reports except for specified ‘ permissible purposes ’ ; the Gramm-Leach-Bliley Act imposes privacy and security obligations on financial institutions ; and the FTC Act prohibits unfair or deceptive acts or practices in or affecting commerce . As you can see , the base is wider than the top because the bark in that region had more time to grow . The WMU Legacy Society acknowledges the generosity of any individual who has made provisions for WMU through any estate planning tool such as a bequest in a will or trust , charitable remainder trust , charitable gift annuity or gift of life insurance . After an hour or two still bobbing around on windless mirror-surfaced water , we were really starting to think warmly about the sailing base . In general , says Blackwell , `` people will decrease the amount of time they spend on things they find unpleasant . The Tech Act mandates that state governments , before they can receive their first extension grant for a fourth or fifth year of funding under the Act , must certify that they are in compliance or working toward compliance with Section 508 . The Gramm-Leach-Bliley Act imposes privacy and security obligations on a broadly defined group of financial institutions , including those engaged in banking , lending , and insurance activities as well as loan brokering , credit reporting , and real estate settlement services . While the Telecommunications Act removes the legal barriers which prevented the cable industry and other Advantage New Jersey colleagues from providing local telephone service , certain steps must be taken by the FCC and our State 's Board of Public Utilities in order for competition to become a reality . The Jury Act allows courts to grant temporary deferrals of service on the grounds of " undue hardship or extreme inconvenience . Convert a time expressed in seconds since the epoch to a string representing local time . The Levy Act limits the size of the levy that can be imposed on superannuation funds to 0.05 % of assets at the end of the financial year prior to the financial year that the levy applies . If your school does not offer an AP curriculum , consider enrolling in a course at a local community college or university .