Speak plainly on cell phones

A new law known as the Credit Cardholders' Bill of Rights requires card issuers to deal more fairly with customers. The requirements include telling customers, in plain English, what the terms of the card contract mean. The law is well-warranted in its own right, but it also is inspiring questions about other areas in which consumers are presented with bewildering terms and conditions and indecipherable service bills. Foremost in that category is cell phone service, bills for which require a digital . Inspired by the credit card law, the Seniors Coalition commissioned a survey on consumers' comprehension of cell phone service billing and contracts. It's a huge, multibillion-dollar issue because 80 percent of American adults Rosetta Stone now use cell phones. The study found that 40 percent of consumers don't know the amount of the penalty they would pay for switching carriers prior to the expiration of a contract. More than half said that they use fewer minutes than they pay for every month, but many of those consumers noted that they could not find a plan with a lower amount of time that suited their overall needs. The study concluded that Americans waste millions of dollars on cell phone service that they never actually use. Many don't switch to less expensive plans because they incorrectly believe that the penalty for doing so would outweigh the savings. And untold numbers don't understand their options because of the gibberish that providers use to describe the plans, benefits and penalties. Congress should use the experience of the credit card reforms to require plain-language disclosures to consumers by all providers of goods and services, from cell phones through other telecommunications services.

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