Unfair & Deceptive Acts & Practices (UDAP), including DiscriminationJohn Oliver on Pyramid Schemes Posted on November 19, 2016 by Jeff Sovern Or click here. Jeff Sovern Michael Millemann Professor of Consumer Protection Law University of Maryland Francis King Carey School of Law CFPB Petitions DC Circuit for Rehearing En Banc of PHH Case Holding CFPB Structure Unconstitutional Times Article Shows How Business Uses Science to Deceive Consumers: “Doubt is our product.”