Classify each of the following activities as proper or prohibited under the various consumer statutes you have studied.

a. Calling a hospital room to talk to a debtor who is a patient there.

b. Calling a hospital room to sell surgical stockings.

c. Rolling back the odometer on one’s car before selling it privately.

d. No TILA disclosures on an instant tax refund program in which the lender takes 40 percent of the tax refund as a fee for advancing the money when the taxpayer files the tax return.