Texas Lawyers Blog

Description

The Texas Lawyers Blog provides useful information on the law and Texas lawyers. For more information on this Blog or a legal topic, please feel free to submit an inquiry or send an e-mail message to blog@texaslawyers.com

Monday, September 4, 2017

Texas Inheritance Lawyers Help Families Transfer Wealth After the Death of a Family Member by Texas Inheritance Lawyer

Texas Inheritance Lawyers Help Families Transfer Wealth Including Real Property After the Death of a Family Member by Texas Inheritance Lawyer Jason S. Coomer

Inheritance is the practice of transferring wealth or obligations upon the death of an individual to another person or entity.  Inheritance allows people to transfer land, businesses, stocks, jewelry, and other wealth to people that they love and/or family members.  It is estimated that in the United States over $250 Billion each year is transferred or passed down through inheritance to heirs and beneficiaries.  Each state and country has their own laws regarding inheritance including testate and intestate laws.  Testate laws include inheritance through Wills, whereas intestate laws cover what happens to property when the decedent does not have a valid will.

Texas Inheritance Lawyers Can Help Make Sure Family Wealth Does Not Become Stuck or Get Taken After the Death of a Loved One 

After a family member dies, their real property or business can become stuck in the inheritance process and if proper action is not taken it can be lost to foreclosure, taxes, competitors, non-family members, or the State of Texas.  These situations are especially common when the person dies without a Will, leaves no instructions as to what they want done with their possessions after they die, and/or has no accurate inventory or accounting of their wealth.  In these situations, Texas real property and Texas businesses will need to be transferred under Texas intestate law.  As such, it is important to understand what Texas intestate law says on how the estate should be divided and how title to the real estate and ownership of the business can be transferred.

For more information on Texas Inheritance, please go to the following Web Pages: Texas Family Inheritance Lawyer, Austin Inherited House Lawyer and Austin Inherited Real Property Lawyer, and Texas Contingent Probate Lawyer.

Sunday, September 3, 2017

Texas Flood Damage Lawyers Assist Texas Families and Businesses Who Have Suffered Significant Flood Damage by Texas Flood Damage Lawyer

Texas Flood Damage Lawyers Assist Texas Families and Businesses Who Have Suffered Significant Flood Damage by Texas Flood Damage Lawyer Jason S. Coomer

Flooding can cause catastrophic damages to homes, businesses, and personal property.  After a flood event, it can often be difficult to determine the cause of the flood damage and what compensation may be available to help rebuild.  From reviewing and understanding insurance policies to discussing the cause of flood damage, future prevention, coverage issues, and rebuilding issues with adjusters, builders, and experts, it is often beneficial to hire a Texas Flood Damage Lawyer to help navigate the many hazards of seeking compensation after a flood.

Understanding Hurricane Insurance Claims and Texas Flood Insurance Claims 

The Insurance Industry makes money by delaying and denying legitimate hurricane and flood damage insurance claims.  The longer an insurance company can delay or the more they can deny a claim, the more money the insurance company can keep.  For this reason many insurance companies set up traps for claimants that are not familiar with the claims process.  As such, it is almost always a good idea to keep a complete record of all communications with an insurance company when filing a claim and to make sure you have read and are familiar with any insurance policy under which you are seeking a claim.  It is also often a good idea to hire an attorney to help review your policy and claim to make sure that it is properly filed to maximize your recovery.  For more information on Texas Hurricane Insurance Claims and Flood Damage Insurance Claims, please go to the following web page: Texas Hurricane Harvey Insurance Claim Lawyer.

Third Party Negligent Building, Neighborhood Planning, Engineering, and Drainage Lawsuits

In addition to insurance claims, compensation for flooding can also sometimes be obtained through lawsuits against negligent builders, developers, architects, engineers, and other businesses that have built on flood plains, built defective neighborhoods, built defective buildings, designed defective drainage systems, or carelessly diverted water to injure their neighbors.  These lawsuits often require several experts and significant expenses to develop, but when significant damages are suffered these third party claims are often filed by both injured families and businesses as well as insurance companies who want to seek compensation for losses that they have paid out.  For more information on Texas Third Party Flood Damage Lawyer, please go to the following web page: Texas Flood Damage Lawyer and Texas Flood Damage Third Party Lawsuit Lawyer.     

Thursday, August 31, 2017

Texas Hurricane Harvey Insurance Claim Lawyer Handles Harvey Insurance Claim Lawsuits



Texas Hurricane Harvey Insurance Claim Lawyer Handles Harvey Insurance Claim Lawsuits Regarding Flood Damage to Your Home, Business, Livestock or Crops

The Insurance Industry makes a significant amount of money by delaying and denying legitimate insurance claims.  With the devastating damage of Hurricane Harvey surpassing $160 Billion, it is expected that the insurance industry will look for any and all potential reasons not to pay valid claims as well as to pay pennies on the dollar for other claims.

Further, the insurance industry has lobbied the Texas legislature to change Texas insurance laws effective September 1, 2017 to protect insurance companies that wrongfully deny insurance claims.  These changes will protect insurance companies that deny claims and encourage insurance companies to deny legitimate claims.
Texas Hurricane Harvey Insurance Claim Lawyers may be able to assist you if you have experienced flood damage to your home, business, livestock or crops.  A Texas Hurricane Harvey Insurance Claim Lawyer can help you maximize your Texas insurance claim. For more information regarding Texas Insurance Claim Lawyers, please feel free to visit the following page: HurricaneHarvey Insurance Claim Texas Lawyer

Read Your Insurance Policy, Document Damages, and Keep Records of All Communications

Some Tropical Storm Harvey insurance adjusters will do whatever they can to take advantage of people that have lost their home, possessions, business, livestock or crops. They often make low ball offers when they know claimants are hurting for money. During the process the adjusters gather evidence and find ways not to pay the hurricane flood damage insurance claims. The result of these tactics is that the insurance companies get to keep more of their money and damaged individuals do not get the compensation that is do them from the storm damage.  For this reason, it is important to carefully document any and all damages that you have suffered, review your insurance policies, and keep a copy of any and all communications with your insurance company.

It is also often helpful to have a Texas Insurance Claim Lawyer assist you with your hurricane flood damage claim.  The attorney who is familiar with insurance tricks and the process for filing a claim, can often help avoid any common pitfalls or traps.

Homeowner's Insurance Claims

Hurricane Harvey Homeowner's Insurance first party claims can also be complicated insurance claims in that most people do not read their homeowner's policy until something bad happens. Once they do read the policy, they quickly see that the policy has complicated insurance language including an adjuster favorite "exclusion". Determining what these policies actually cover can be extremely tricky. When interpreting these insurance contracts it is important to know that there is a big difference in an insurance agent who sells you the policy and the insurance adjuster who determines if and when your claim gets paid. Be careful what you say to your adjuster and make sure that you have a copy of your policy. Insurance adjusters don't always give out policies and usually do not tell you when they see a legitimate claim. The claimant typically has to read the policy and prove the claim themselves. It is often helpful to hire a Texas attorney familiar with homeowner's insurance claims to assist with an insurance claim including fire damage, water damage, burglary, theft, flooding, storm damage or loss of personal property.

Hurricane Harvey Loss of Business Insurance Claims

As a business owner, there is nothing worse than having your entire inventory destroyed by a storm like Hurricane Harvey and then learn that your insurance company is denying coverage. These situations have become more common over recent years as insurance companies have found that it is often easier to deny coverage on policies that they write or send a reservation of rights letter to their insured, than to pay or fight a legitimate claim for hundreds of thousands of dollars.

If you are a business owner, commercial insurance claims can be difficult and complicated insurance claims. These claims are typically fought hard because the policy limits are typically a million dollars or more. These commercial policies can be extremely complicated and can include loss of business coverage and/or inventory coverage.

Hurricane Harvey Loss of Livestock and Loss of Crops

Whether you are a farmer or rancher loss livestock and crop insurance claims can be difficult and complicated insurance claims. These claims are typically fought hard because the policy limits are typically high value. These livestock and crop policies can be complicated. Texas insurance claim lawyer Jason Coomer can assist you with maximizing your claim.

For more information on Hurricane Harvey Insurance Claims, please feel free to contact Texas Hurricane Harvey Insurance ClaimLawyer Jason Coomer or go to the following web page for more information: HurricaneHarvey Insurance Claim Lawyer

Monday, June 26, 2017

Drug Company Illegal Kickbacks Can Be The Basis of Large Whistleblower Rewards by Drug Company Whistleblower Reward Lawyer

Drug Company Illegal Kickbacks and Other Violations of the Anti-Kickback Statute Can Be The Basis of Large Financial Rewards for Whistleblowers Who Properly Expose Kickback Schemes by Drug Company Whistleblower Reward Lawyer Jason S. Coomer

The Anti-Kickback statute prohibits any person or business entity from making or accepting payment to induce or reward any person for referring, recommending or arranging for the purchase of any item or service for which payment may be made under a federally-funded health care program. These federally-funded programs include Medicare and Medicaid.  The statute prohibits kickbacks, bribes, inducements, rewards, and other economic incentives that induce physicians to refer patients for services or recommend purchase of medical supplies including drugs that will be reimbursable under government health care programs.  For more information on this topic, please go to the following web page: Pharmaceutical Company Illegal Kickback Lawyer Represents Health Care Professionals Expose Illegal Drug Company Kickbacks and Collect Rewards.

Pharmaceutical Professionals, Pharmacists, and Other Health Care Professionals Are Encouraged Through Large Financial Rewards to Expose Drug Company Kickback Schemes  
Health Care Whistleblower Reward Lawsuits are the most effective method for identifying and preventing large scale health care fraud against the government.  As such, the United States and several states have enacted health care whistleblower reward laws that harness the power of economic incentives by offering large monetary rewards to whistleblowers that properly report significant fraud.

Health care professionals including pharmacists, pharmaceutical professionals, physicians, nurses, hospital administrators, compliance professionals, Medicare coders, and Medicare reimbursement managers can earn large financial rewards for properly exposing drug company kickbacks and other forms of health care fraud.  By coming forward and reporting drug company illegal kickbacks, health care professionals can receive large financial rewards based on the amount of money the government can collect from the drug companies.  Some past recoveries by the Federal and State Governments have been in the Billions of Dollars while other recoveries have been in the Hundreds of Millions of Dollars.  Under the Federal False Claims Act, these whistleblowers or relators can recover 15 to 25 percent of the proceeds of a successful suit, if the United States intervenes in the qui tam action, and up to 30 percent, if the government declines and the relator pursues the action alone.

For more information on this topic, please go to the following web page: Expose Health Care Fraud and Confidential Reviews of Whistleblower Reward Lawsuits and Health Care Fraud Whistleblower Reward Lawsuit Information.

Tuesday, June 20, 2017

Texas Fiduciary Rule Lawyer Represents People That Have Lost Retirement Funds by Texas Fiduciary Rule Lawyer and Texas Lost Retirement Lawyer

Texas Fiduciary Rule Lawyer Represents People That Have Lost Retirement Funds Through Financial Advisors, Brokers, and Other Financial Professionals Who Have Committed Fraud or Violated Their Fiduciary Duty by Texas Fiduciary Rule Lawyer and Texas Lost Retirement Lawyer Jason S. Coomer

The Department of Labor (DOL) Fiduciary Rule is a new ruling, originally scheduled to be phased in from April 10, 2017 to Jan. 1, 2018, but now delayed until June 9, 2017 including a transition period for the applicability of certain exemptions to the rule extending through Jan. 1, 2018.   The rule expands the investment advice fiduciary definition under the Employee Retirement Income Security Act of 1974 (ERISA). If this sweeping legislation (1,023 pages in length) is not stopped outright, it will automatically elevate all financial professionals who work with retirement plans or provide retirement planning advice to the level of a fiduciary, bound legally and ethically to meet the standards of that status. While the new rules are likely to have at least some impact on all financial advisors, it is expected that those who work on commission, such as brokers and insurance agents, will be impacted the most.

This Fiduciary Rule is designed to protect investors from financial advisors, brokers, and other financial professionals who are looking out for their own interests over the interests of their clients.  If you have lost your retirement funds, life savings, or a large amount of money through misappropriation of funds by a financial professional including broker fraud, broker negligence, careless investment advice, deceptive investment advice, inadequate risk warnings, churning, or other unethical broker wrongful acts, it is important to understand your potential options of recovery and investigate if fraud, breach of fiduciary duty, or negligence has occurred.  For more information on this topic, please go to the following web page: Texas Fiduciary Rule Lawyer and Texas Lost Retirement Fund Lawyer.

Texas Courts Have Already Ruled for the Department of Labor Regarding The Fiduciary Rule 

A Texas federal trial court has already ruled in favor of the Labor Department's Fiduciary Rule and this Fiduciary Rule is likely to become the law in Texas as well as throughout the United States.  In the Texas case, the Texas court found that in "the Employee Retirement Income Security Act, Congress did speak clearly, and assigned the DOL the power to regulate a significant portion of the American economy, which the DOL has done since the statute was enacted."  In other words, the Texas Court has ruled that Congress gave the DOL broad discretion to use its expertise and to weigh policy concerns when deciding how best to protect retirement investors from conflicted transactions.  In this case, the DOL has decided to protect retirement investors from financial professionals who are putting their own interests before their investors.

In addition to the Fiduciary Rule, the SEC has set up Whistleblower Bounty Actions to protect investors from securities and investment fraud.  Below is an explanation of these rules.

SEC Whistleblower Bounty Actions Are Designed to Encourage Persons With Knowledge of Investment Fraud and Significant SEC Violations To Confidentially Expose Fraud By Offering Large Financial Rewards For People That Are The Original Source of Information That Expose The Fraud

SEC Fraud Whistleblower Lawsuits or SEC Bounty Actions are a product of the enactment of the Dodd-Frank Wall Street Reform and Consumer Protection Act.  These laws were designed to create bounties that can be collected by whistleblowers that properly report SEC violations, financial fraud, securities fraud, commodities fraud, and stimulus fraud that result in monetary sanctions over one million dollars ($1,000,000.00).  The SEC can award the whistleblower up to 30% of the money collected.

Persons that report this fraud through an attorney can remain anonymous and still collect a large reward through their attorney.  By creating anonymous whistleblower bounties, the SEC expects investors and people with specific information of fraud to expose hard to detect fraud and to help regulate the financial market and prevent large investment corporations, banks, hedge funds, and other large corporations from committing financial fraud of billions of dollars.  For more information, please feel free to contact Bounty Action Lawyer Jason S. Coomer or go to the following web page, SEC Bounty Action Lawsuits.

Monday, June 19, 2017

Hospital Kickback Lawyer Represents Medical Professionals Who Want to Expose Illegal Kickbacks and Earn Rewards by Texas Hospital Kickback Lawyer

Hospital Kickback Lawyer Represents Medical Professionals Who Want to Expose Illegal Kickbacks and Earn Financial Rewards by Texas Hospital Kickback Lawyer Jason S. Coomer

The Anti-Kickback statute prohibits any person or business entity from making or accepting payment to induce or reward any person for referring, recommending or arranging for the purchase of any item or service for which payment may be made under a federally-funded health care program. The statute prohibits kickbacks, bribes, inducements, rewards, and other economic incentives that induce physicians to refer patients for services or recommend purchase of medical supplies that will be reimbursable under government health care programs. For more information on this topic, please go to the following web pages: Expose Hospital Kickbacks and Earn Financial Rewards, Expose Hospital System Fraud and Earn Financial Rewards, and Report Hospital Billing Fraud.

The United States Is Offering Large Rewards to Medical Professionals Who Properly Expose Illegal Kickbacks and Significant Health Care Fraud

Health Care Fraud is one of the fastest growing crimes.  It is estimated that health care fraud in the United States has increased to over two hundred billion dollars ($200,000,000,000.00) each year and is continuing to increase each year. Health Care Fraud includes Medicare billing scams and Medicaid billing scams.  Examples of these types of health care fraud include upcoding, double billing, billing for unnecessary services, billing for services not needed, and billing for services not provided. To combat Medicare fraud scams and Medicaid fraud scams, the United States government has amended the Federal False Claims Act to encourage medical professionals to step up and blow the whistle on Medicare fraud and Medicaid fraud. Medicare Fraud Whistleblowers and Medicaid Fraud Whistleblowers that are the original source of specialized knowledge of large health care fraud scam can make substantial recoveries if they are the first to file a successful qui tam claim under the Federal False Claims Act.

Health care administrators, doctors, nurses, and therapists are stepping forward and blowing the whistle on Tricare, the Veterans' Administration (VA), and Medicare billing fraud including manipulation of outlier payments to Medicare, kickbacks, upcoding, or bill padding. These health care professionals are commonly working with a lawyer to make sure that the fraud is properly exposed and to protect their career.

Friday, June 16, 2017

Texas Securities Fraud Lawyer Helps Investors and Financial Professionals Properly Expose Securities Fraud and Earn Financial Rewards by Texas Securities Fraud Lawyer

Texas Securities Fraud Lawyer and Texas Bounty Action Reward Lawyer Helps Investors and Financial Professionals Properly Expose Securities Fraud and Earn Financial Rewards by Texas Securities Fraud Lawyer Jason S. Coomer

Securities fraud, also known as stock fraud and investment fraud, is the unlawful practice of inducing investors to make investment decisions on the basis of false information, frequently resulting in losses, in violation of the securities laws.  Securities fraud whistleblower lawsuits include deceptive practices in the stock and commodity markets, and occur when investors are enticed to part with their money based on fraudulent misrepresentations.  Securities fraud whistleblower lawsuits include outright theft from investors and misstatements on a public company's financial reports as well as a wide range of other actions, including insider trading, front running and other illegal acts on the trading floor of a stock or commodity exchange.  For more information on Securities Fraud, please go to the following web page: Texas Securities Fraud Lawyer and Texas Securities Fraud Whistleblower Reward Lawyer.

Bounty Action Reward Laws Offer Large Financial Incentives to Investors and Financial Professionals Who Properly Expose Significant Securities Fraud

The Federal Government has enacted new Bounty Action Whistleblower Reward laws that offer large financial rewards to individuals and businesses that properly expose securities fraud and other forms of investment fraud.  These new Bounty Action Whistleblower Reward laws allow professionals to expose fraud through an attorney while protecting their identity and seeking a financial reward.  These laws are first to file laws and require original information or specialized information, but do offer large financial rewards to the first whistleblower that properly exposes the fraud and corruption. The first step for many professionals that want to expose fraud and corruption is to have a lawyer confidentially review their potential case and provide advice as to which laws may apply and the strength of their potential case.    For more information on Securities Fraud, please go to the following web page: SEC Bounty Action Lawyer Confidentially Reviews Securities & Commodities Fraud Whistleblower Reward Bounty Actions.

Tuesday, June 6, 2017

Texas Oil Investment Fraud Lawyer Represents Investors Who Have Lost Significant Investments In Fraudulent Oil Investment Schemes by Texas Oil Investment Fraud Lawyer

Texas Oil Investment Fraud Lawyer Represents Investors Who Have Lost Significant Investments In Fraudulent Oil Investment Schemes by Texas Oil Investment Fraud Lawyer Jason S. Coomer

Texas Oil Investment Fraud Lawyer Jason S. Coomer helps investors who have lost significant investments fraud oil investment fraud as well as investors and oil professionals who have original information of significant oil investment fraud schemes.  For more information on Texas Oil Investment Fraud Lawsuits, please feel free to go to the following web pages: Oil Company Accounting Fraud and Oil Investment Fraud Lawyer.

Oil Investment Fraud Can Include Stock Fraud and Be The Basis of Securities Fraud Actions

Securities fraud, also known as stock fraud and investment fraud, is the unlawful practice of inducing investors to make investment decisions on the basis of false accounting information, frequently resulting in losses, in violation of the securities laws and commodity future market laws.  Oil company whistleblower, petroleum accountant whistleblower, and petroleum executive whistleblower bounty action lawsuits include deceptive practices in the stock and commodity markets, and occur when investors are enticed to part with their money based on fraudulent misrepresentations. 

Securities fraud whistleblower lawsuits include outright theft from investors, theft from working interest owners, illegal kickbacks, under reporting of royalties, and misstatements on a public company's financial reports as well as a wide range of other actions, including insider trading, front running and other illegal acts on the trading floor of a stock or commodity exchange.  Evidence for a securities fraud whistleblower lawsuit may include:

False or misleading information on a company's financial statement;
False or misleading information on Securities and Exchange Commission (SEC) filings;
Lying to corporate auditors;
Insider trading;
Stock manipulation schemes;
Embezzlement by stockbrokers;
Manipulation of a security’s price or volume;
Fraudulent or unregistered offer or sale of securities, including Ponzi schemes, high yield investment programs or other investment programs;
Brokerage Account and Retirement Account Fraud;
False or misleading statements about a company;
Failure to file required reports with the SEC;
Abusive naked short selling;
Theft or misappropriation of funds or securities;
Fraudulent conduct or other problems associated with municipal securities transactions or public pension plans; and
Bribery of foreign officials

If you have lost a significant investment in an oil investment fraud scheme or have original evidence of an oil fraud scheme, it may be beneficial to contact an attorney to review your situation to determine if securities fraud might have occurred.

Sunday, June 4, 2017

Texas Life Insurance Beneficiary Lawyer Helps Families and Beneficiaries Collect Life Insurance Proceeds by Texas Life Insurance Beneficiary Lawyer

Texas Life Insurance Beneficiary Lawyer Helps Families and Beneficiaries Collect Life Insurance Proceeds and Inheritance After The Death of A Loved One by Texas Life Insurance Beneficiary Lawyer Jason S. Coomer

Life Insurance Companies do not always properly pay beneficiaries pursuant to life insurance policies.  In fact, 25 life insurance companies recently agreed to pay $7.5 Billion in back death benefits that they had failed to pay.  Moreover, 35 additional life insurance companies are currently under investigation for failure to properly pay life insurance benefits.  Many of these companies look for any reason not to pay life insurance benefits and make large profits by avoiding paying life insurance benefits.  Families and friends of recently deceased loved one should make sure to check for life insurance polices as well as payments made to life insurance companies.

Further, it can also be extremely helpful to hire a Texas Life Insurance Beneficiary Lawyer who also handles other inheritance issues to help collect all insurance proceeds as well as to help properly transfer wealth.  For more information on this topic, please go to the following web page: Texas Life Insurance Lawyer and Texas Beneficiary Lawyer.

Families Often Lose Significant Amounts of Wealth When A Loved One Die

There is a significant amount of unclaimed assets and family wealth that is lost every year.  In the State of Texas alone billions of dollars in bank accounts, oil royalties, insurance money, safety deposit box contents, stocks, retirement funds, real estate, and other wealth is forgotten about, becomes lost, or is unclaimed.  This unclaimed property often occurs when someone unexpectedly dies or becomes incompetent.  When this person is the head of a household or controls a family's wealth, records can often be lost and assets can often go unclaimed.  This loss of wealth is more common when families do not live close to each other and/or do not communicated about financial issues.  Much of this lost or unclaimed wealth is collected by the states and held for rightful owners including heirs and beneficiaries.  However, it is not uncommon for large corporations including oil companies, insurance companies, brokers, financial advisers, and banks to keep unclaimed assets. 

Wednesday, May 31, 2017

Button Battery Health Alert: Button Batteries in Toys and Other Products Can Create a Significant Health Risk to Infants and Small Children

Button Battery Health Alert: Button Batteries in Toys and Other Products Can Cause Significant Injuries to Infants and Young Children by Texas Button Battery Lawyer Jason S. Coomer

Parents and other caretakers of young children should be aware of that button batteries in toys and other products used by or around small children can create a significant health danger.  This danger is especially true if the product has an easily accessible battery compartment.  Several infants and small children swallow these button batteries each year causing serious injury or death.  For more information on this topic, please go to the following web page: Button Battery Health Risk: Defective Toy Button Battery Lawyer.

Button Batteries Are Used In Several Types of Products

Button batteries are being used as a power source in many products.  The small size and relatively inexpensive cost of these batteries make them extremely popular in toys and a variety of products used around small children.  However, when these batteries are used in products with easily accessible battery compartments, the products can create an increased health risk to infants and young children.  These defective toys, defective baby monitors, and other defective products allow the button batteries to be easily taken out of the battery compartment then swallowed by infants and young children.  Once an infant or young child ingests or inserts one or more button batteries into them, it can case significant injuries or even death.

Dangerous and Defective Products Including Defective Toys, Defective Baby Monitors, Defective Flashlights, Defective Cribs, and Defective Car Seats That Are Unreasonably Dangerous to Small Children Should be Reported to the U.S. Consumer Product Safety Commission

Dangerous and defective products including dangerous button battery toys, defective cribs, defective button battery children's products, and defective car seats should be properly reported to the U.S. Consumer Product Safety Commission.  Additionally, product recalls are listed on the Consumer Product Safety Commission's website and can be a useful resource in ensuring that your home or business is safe for young children.  It is also important to check the U.S. Consumer Product Safety Commission to make sure that the toys, car seats, food, and cribs that you are buying are safe and have no known safety defects.