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can someone help me answer these two question?

What law or rule applies in EACH of the following situations?

Howard receives a direct mail solicitation from Easy Times Credit. The solicitation reads "Poor credit? No credit? No problem! You qualify for a major credit card! Call 900-555-1111 and get your credit card today!"

Jim receives a mailer from Hopeful Finance Company stating that, based on a review of his credit record, he may be eligible to refinance his auto loan. jim is urged to call the finance company today to see if he is qualified to receive the "lowest interest rate in town."

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