For lead in children's jewelry and products in general, there is no binding federal law to prohibit it.

The Consumer Product Safety Commission has an advisory (on maximum lead content), and they can get a recall from the manufacturer. But it's an after-the-fact policy.

No written law has ever been more binding than unwritten custom supported by popular opinion

Shame may restrain what law does not prohibit.

tough federal and state laws should be enacted to prohibit predatory lending.

But as a practical matter, retailers are interested in applying the standards nationally.