With the help of the Consumers Foundation, citizens appealed to the Fair Trade Commission, the government agency in charge of enforcing the Fair Trade Law. The FTC judged that the Citibank ad was misleading and violated the law.
檢舉的民眾透過消基會協助，具狀告到執行公交法的「公平交易委員會」，經公交會裁決，花旗銀行「廣告不實」，違反公平交易法。