Debora Fisk v. Athene Annuity and Life Company

Des Moines, Iowa, consumer law lawyers represented the Plaintiff on a unfair and deceptive practices act theory .

15 U.S. Code § 45, Section 5 of the Federal Trade Commission (FTC) Act, declares that
unfair methods of competition and unfair or deceptive acts or practices in commerce are unlawful and gives the FTC power to prevent them, covering antitrust violations and consumer protection, allowing for cease and desist orders, civil penalties for knowing violations, and other relief to protect consumers from harmful conduct.

Key Provisions


Declaration of Unlawfulness: Subsection (a) states that unfair methods of competition and unfair or deceptive acts/practices affecting commerce are prohibited.

FTC's Power: The FTC is authorized to investigate and stop these practices through hearings, reports, and orders.

Scope: It applies broadly to all persons and entities in or affecting commerce, including banks.

Unfairness Definition: An act is unfair if it causes or is likely to cause reasonably foreseeable injury, involves material conduct in the U.S., and isn't outweighed by benefits.

Enforcement: The FTC can seek civil penalties for knowing violations of rules, mandate restitution, and get other equitable relief for consumers.
Review: FTC orders can be reviewed and enforced by U.S. Courts of Appeals.

In Simple Terms

This law is the backbone of the FTC's authority, preventing businesses from using deceptive tactics or anti-competitive practices to harm consumers or other businesses, ensuring a fairer marketplace.

01/07/2026 21 NOTICE of Voluntary Dismissal filed by Debora Fisk dismissing party Athene Annuity and Life Company. (Marty, Brian) (Entered: 01/07/2026)