We ask the FTC to rule on misleading language

E-mail Print

We sent the following to Funeral Rule Coordinator Craig Tregillus at the Federal Trade Commission. 

June 30, 2014
Craig Tregillus
Funeral Rule Coordinator
Federal Trade Commission
600 Pennsylvania Ave. NW
Washington, D.C. 20580

Dear Mr. Tregillus,

This is a request for an advisory opinion on two issues related to the Funeral Rule:

1. The use of the phrase, “cremation if relevant” on General Price Lists (GPLs). This phrase is used in Complying With the Funeral Rule and has unintentionally confused funeral providers and consumers. Funeral Consumers Alliance contends it should be removed. We request that the FTC formally clarify that the phrase should not appear on General Price Lists.

2. The use of the phrase, “except in certain special cases,” which occurs in the embalming disclosure mandated by the Funeral Rule. The full disclosure reads,

Except in certain special cases, embalming is not required by law. Embalming may be necessary, however, if you select certain arrangements 

We request that the FTC rule that funeral providers may not and shall not use this phrase when doing business in states that have no legal requirement for embalming.

I've been talking with Gere Fulton, the president of the Board of Directors of our South Carolina affiliate, about the recurrent problems he's been having with their state regulatory agency regarding the "cremation if relevant” language. We agree that the phrase is both meaningless and misleading.  He tells me that you have agreed to recommend that the language be removed from the guide when your present supply is exhausted and that you've also agreed to see if it can be removed from any of the FTC's online references as soon as possible.

When the consumer is purchasing a cremation there is no situation in which cremation would be irrelevant. Doubtless the phrase, “cremation if relevant,” was meant to refer to situations where funeral providers use a third-party crematory. In such cases, of course, they must disclose the cost of the crematory’s fee. I imagine the FTC authors assumed a funeral home with its own crematory would include the fee in its charge for direct cremation, so in such cases writing out the cost of cremation again would indeed be irrelevant.

But the phrasing is confusing and indirect. We request confirmation that:

1. The phrase will be deleted from all FTC publications relating to the Funeral Rule.

2. The FTC instructs funeral providers not to use this phrase on their GPLs.

Gere and I have also had a long-running conversation about the various GPLs that continue to preface their statements that embalming is not required by law with "Except in certain special cases.” That language is also found in both the Funeral Rule itself, and in Complying With the Funeral Rule. What some providers fail to read—or perhaps prefer to ignore—is the statement that follows:

You do not need to include the phrase, "except in certain special cases," indicated in bold-face above, if state or local law in the area where you do business does not require embalming under any circumstances.

Nineteen US states do not require embalming under any circumstances. South Carolina is one of those. In these states, including the phrase “except in certain special cases” is actively misleading. It is  a falsehood. As the basis of the Funeral Rule is to compel clear and truthful disclosures for consumers, we feel certain the FTC will agree the phrase should not be used in states where embalming is not required by law.

Because so many funeral providers do not have an in-depth understanding of the Rule they often copy and paste the FTC’s suggested GPL language from Complying. In addition, many state regulatory boards and funeral trade associations publish guidelines—some of which are mandatory—on constructing GPLs, and this phrase has found its way into these.

Experience shows that it’s not enough for the FTC to merely suggest that funeral providers “don’t need” to include “except in certain special cases”. We are requesting that the FTC formally declare that funeral providers may notinclude the phrase when doing business in states that do not require embalming.

FCA volunteers and staff spend a great deal of time educating the public and funeral providers about the Funeral Rule. It’s fair to say we spend more time doing it than the FTC has resources for. An advisory opinion from the FTC would be a big help to us and would save our volunteers much wasted time trying to convince state regulators of our position. Without the formality of an FTC opinion, such regulators are reluctant or outright refuse to accept our suggestions.


Joshua L. Slocum
Executive Director 


Last Updated ( Tuesday, 15 July 2014 14:32 )  
Comments (7)
1 Wednesday, 02 July 2014 09:38
Robert M. Rabb
I agree with Mr. Slocum's letter. I have seen much strange language from the 2700 General Price Lists that I forwarded to FCA headquarters. As you know, Indiana is the only state that REQUIRES a funeral home to be used. I would ask that FCA address this in an urgent message to the Indiana statehouse and/or any elected official in Indiana.
2 Wednesday, 02 July 2014 09:40
Robert M. Rabb
Thank you, Joshua for helping consumers in South Carolina and all fifty states. I have found many anti-consumer messages in the 1200 General Price Lists that I gave you five years ago. Please try and help me set up an FCA affiliate in central Indiana ASAP. Robert Rabb 340 Ontario Court Apt F. Noblesville, IN 46060
3 Friday, 11 July 2014 08:30
Kit Kittrell
One phrase at a time, I guess. Obtuse wording which is a club used upon the consumer is in the sentence which follows the above. "...If you do not want embalming, you usually have the right to choose an arrangement that does not require you to pay for it, such as direct cremation or immediate burial..." Unless compelled by the FTC, the Industry will never mention refrigeration, private viewing followed by closed casket service or any form of "Service" from their top tier which might allow refrigeration in the door. They're morticians, first, and all else is compromise.

Like Indiana, Louisiana is a regulatory capture state. But, by the terms of my state board's own regulations, omission of information which results in depriving the consumer of a legal right or something of value is FRAUD.
4 Monday, 02 February 2015 11:28
Helen Browning
Misleading advertising: "Family owned since 1946 (or whatever) implying it is still owned by family in name when they are all dead & funeral home has sold several times.
5 Wednesday, 08 April 2015 14:12
R.H. Slusher
As long as a funeral home has, indeed, been "family owned," there is nothing irregular (or misleading) about the phrase mentioned. HOWEVER, if the firm should state something to the effect, "Jones (whatever) family owned since 1946 (whenever) when, in fact the Jones family has owned the firm only since 1988 (whenever) THAT would not only be misleading, but dishonest. Many firms (rightly so, I believe) want their public to know that they ARE "family owned" as opposed to being owned by a conglomerate headquartered half way across the country and managed by someone who may or may not have local ties to the community
6 Tuesday, 07 July 2015 15:51
Don Webb
I also believe the "Basic Services of Funeral Director & Staff" (the so-called "non-declinable charges") currently written by many funeral homes, is excessive in charges, considering not more of what the funeral homes does for these excessive charges. Many funeral homes claim that they have to charge this non-declinable charge to make money for paying the utilities, etc. What about the double mark-up for vaults - when all they do is pick up the phone and call the local Vault Company. What do they do with the mark-up on all the caskets they sell? Also, do many funeral homes mark-up the "opening and closing" charges? Usually opening and closing is done by a local vault company. We need to find out what the vault company charges the funeral home for the "opening and closing" and what mark-up the funeral home makes, simply by making a phone call.
7 Saturday, 16 January 2016 08:44
Thank you so much, JOSH for all your investigative work concerning cremation services. You are a treasure to society. Seniors are being preyed upon by scammers using creative means, cell phone deposits to bank, electronically. Also creating of someone's check to look original. How they do it I don't know, but they do it. Was not aware of all the fraud being perpetrated upon seniors/others. Am grateful to you.

Add your comment

Your name: