What is the Consumer Protection (Fair Trading) Act?

Imagine signing up for a gym package because it says “no hidden fees” – only to be hit with surprise charges. Or buying a brand-new phone that turns out to be a refurbished set.

The Consumer Protection (Fair Trading) Act (CPFTA) is Singapore’s safeguard against situations like these. It spells out what counts as unfair business practices and gives consumers the right to seek redress.

What is an Unfair Practice Under the CPFTA?

A supplier is acting unfairly if they:

• Do or say something misleading (or fail to say something important).
• Make false claims about their goods or services.
• Exploit vulnerable consumers – for example, those who:
  • Cannot properly protect their own interests, or
  • Cannot fully understand the terms or effect of a deal.

Examples of Unfair Practices

• Selling used goods as “brand new”.
• Misleading price tags or promotions.
• Hard-selling tactics that pressure you into buying.
• Hiding crucial details (like extra fees or exclusions).

In short: if a business tries to trick, pressure, or take advantage of you, it could fall under an unfair practice.

Making a Claim Under the CPFTA

If you’ve experienced an unfair practice, here’s what you can do:

Steps to Make a Claim

1. Try resolving directly – many cases are settled through discussion or mediation.
2. Go to the Small Claims Tribunal – if you can’t resolve it, you may file a claim here.
3. Claim amount – you can seek up to $30,000 in damages.

Claim Limits and Exceptions

• Above $30,000: The Small Claims Tribunal won’t hear your case; you’ll need to go to a higher court.
• Willing to let go of the excess? You can abandon any amount above $30,000 to keep your case in the Tribunal.

Example:
You’re claiming $35,000. You may choose to abandon $5,000 and proceed with a $30,000 claim in the Tribunal. But once you do, you cannot chase the extra $5,000 later.

CPFTA Limitation Period for Claims

Don’t wait too long! You must file your claim within 2 years of either:

• When the unfair practice happened, or
• When you first became aware of it.

(Whichever is later)

CPFTA Limitation Period for Claims

Don’t wait too long! You must file your claim within 2 years of either:

• When the unfair practice happened, or
• When you first became aware of it.

(Whichever is later)

Quick Overview of CPFTA Claims

Why the CPFTA Matters to Consumers

The CPFTA isn’t just another piece of legislation – it’s there to protect you in your everyday transactions.

Benefits of Knowing Your Rights

With CPFTA knowledge, you can:

• Spot unfair practices quickly
• Take timely legal action
• Protect yourself with confidence

If you think you’ve been misled or treated unfairly, don’t ignore it. Act quickly, and if your claim is close to or above the $30,000 limit, speak to a lawyer to understand your best options.

Our legal team is here to help you navigate every step of the process.