Legislation to protect consumers

Update: I need to know the provisions of the specific legislations mentioned below. Please help me to do some research.

I wish to research the various legislations in Singapore that were aimed at protecting consumers. Some of them that I could remembers are:

• Fair treatment of consumers by financial institutions
• Unfair contract terms
• Competition Act
• Consumer Protection and Fair Trading Act
• Public Transport Council

With these legislation, consumers are supposed to be well protected in Singapore. However, in reality, consumers are given a poor deal. Examples are:

• Sold toxic products by financial institutions
• Exorbitant charges by businesses for services charged under long term contracts by telephone companies and for late payment by banks and credit cards
• Poor deal on long term life insurance policies

The problem is the lack of effective enforcements.

I like to get your help to identify the specific legislation, the agency that is responsible to enforce the legislation and, if possible, examples of their failure to act on infringement of the letter or spirit of the law. You can post your comments here or send them to kinlian@gmail.com.

Tan Kin Lian