Digital Commons Network^™

Los Consumidores Ante Las Comisiones Bancarias Abusivas, Gabriel Martinez Medrano

Gabriel Martinez Medrano

Analisis de la Regulacion del Banco Central de Argentina sobre comisiones bancarias.

Critical Evaluation Of The Effectiveness Of Consumer Complaint Redressal Agencies Under The Consumer Protection Act, 1986, Sudhir Tarote, Sukdeo Ingale

Sukdeo Ingale

In this paper, the authors have bird’s eye view of the provisions of the Consumer Protection Act, 1986 dealing with jurisdictional overlapping, summary proceeding, power to grant interim relief, review powers, appeal, lack of the status of ‘Court of Record’ etc. The authors found some defects in the functioning of the existing framework of the Consumer Complaint Redressal Agencies and have suggested in which way the procedural reform shall go further for better protection of substantive rights of consumer. The scope of this paper is limited to the procedural rights of consumer and does not explore substantive rights of consumer.

Land Appreciation Charges & Cover-Up Attempt By Awho, Chandra Nath

Chandra Nath

AWHO was established as a Society under the Rule of Law expressly for the welfare of its members and NOT established as a foray by Army Headquarters into Real Estate business in a thriving real estate market at this particular stage in the country’s economy. We, the people, still believe that our obligations as proud Indians and more importantly, as proud veterans, are not just to ourselves, but to all posterity for creating a Society of equals and not divide ourselves into “Rulers” (powerful, autocratic and ever ready to exploit the powerless) and powerless “Subjects”. This paper explores how AWHO …

Child Consumption And Food (In)Security In Brazil, Lucas Abreu Barroso

Lucas Abreu Barroso

No abstract provided.

Efficient Breach In The Common European Sales Law (Cesl), Wenqing Liao

Wenqing Liao

In the classic economic theory, it is suggested that contract law should be structured in such a way that efficient breaches (i.e. those increasing social welfare) would be promoted. The default remedy of expectation damages was justified on this cognition. Nowadays, more and more suspects and critiques are raised against the so called simple efficient breach model. The aim of this paper is to re-sketch the theory of efficient breach and to compare the consequences resulting from economic analysis with the remedy rules of the Common European Sales Law (CESL). It is proposed that the doctrine of efficient breach has …

Efficient Breach In The Common European Sales Law (Cesl), Wenqing Liao

Wenqing Liao

In the classic economic theory, it is suggested that contract law should be structured in such a way that efficient breaches (i.e. those increasing social welfare) would be promoted. The default remedy of expectation damages was justified on this cognition. Nowadays, more and more suspects and critiques are raised against the so called simple efficient breach model. The aim of this paper is to re-sketch the theory of efficient breach and to compare the consequences resulting from economic analysis with the remedy rules of the Common European Sales Law (CESL). It is proposed that the doctrine of efficient breach has …

E-Commerce And Electronic Payment System Risks: Lessons From Paypal, Lawrence J. Trautman

Lawrence J. Trautman Sr.

What are the major risks perceived by those engaged in e-commerce and electronic payment systems? What development risks, if they become reality, may cause substantial increases in operating costs or threaten the very survival of the enterprise? This article utilizes the relevant annual report disclosures from eBay (parent of PayPal), along with other eBay and PayPal documents, as a potentially powerful teaching device. Most of the descriptive language to follow is excerpted directly from eBay’s regulatory filings. My additions include weaving these materials into a logical presentation and providing supplemental sources for those who desire a deeper look (usually in …

Dodd-Frank Act And Remittances To Post-Conflict Countries:, Raymond Natter

Raymond Natter

The Dodd-Frank Act established a new Federal framework for the regulation of international remittance payments that originate in the U.S. However, the statute and implementing regulations may have the unintended consequence of disrupting the flow of remittance funds to post-conflict nations. Recent revisions to the regulations have made significant improvements, but additional work is still necessary

Awho & We The People, Chandra Nath

Chandra Nath

This is the story of a Society created for "welfare" of the veteran ending up denying fundamental, the constitutional and statutory rights of the veteran by the serving General Officers.

Commento Agli Artt. 94 E 95-Bis Testo Unico Della Finanza, Valerio Sangiovanni

Valerio Sangiovanni

No abstract provided.

Flawed Transparency: Shared Data Collection And Disclosure Challenges For Google Glass And Similar Technologies, Jonathan I. Ezor

Jonathan I. Ezor

Current privacy law and best practices assume that the party collecting the data is able to describe and disclose its practices to those from and about whom the data are collected. With emerging technologies such as Google Glass, the information being collected by the wearer may be automatically shared to one or more third parties whose use may be substantially different from that of the wearer. Often, the wearer may not even know what information is being uploaded, and how it may be used. This paper will analyze the current state of U.S. law and compliance regarding personal information collection …

Comentarios En Torno Al Ámbito Subjetivo Del Nuevo Estatuto Del Consumidor En Colombia, Entre La Técnica Y La Idoneidad (Comments About The Subjective Scope Of The New Consumer Protection Act In Colombia, Between The Technique And The Suitability), Jesús A. Soto

Jesús Alfonso Soto Pineda

El artículo analiza la intencionalidad adherida al acto de consumo y el elemento subjetivo de la relación, con el objetivo de determinar el ámbito de aplicabilidad del Estatuto del consumidor en Colombia, Ley 1480 de 2011. Identificando un compendio de caracteres que reducen la aplicación de la norma de acuerdo al objetivo privado perseguido por las partes con la celebración de un acto. Evaluando igualmente la relación que ahora parece existir, –gracias al texto adherido al Estatuto– entre las normas de consumo y el ejercicio de profesiones liberales.

The article analyses the motives attached to the act of consumption and …

La Corte Suprema Reconoce La Legitimación Colectiva De Las Asociaciones De Consumidores. Comentario A Padec C/ Swiss Medical, Corte Suprema 21 De Agosto De 2013, Gabriel Martinez Medrano

Gabriel Martinez Medrano

El presente es un breve y rapido comentario al reciente fallo de la Corte Suprema en la causa PADEC c/ Swiss Medical s/ Nulidad de cláusulas contractuales, sentencia de fecha 21 de agosto de 2013 en el que se reconocio la legitimacion activa de las asociaciones de consumidores para litigar derechos individuales homogeneos.

Expungement Of Customer Complaint Crd Information Following Settlement Of A Finra Arbitration, Seth E. Lipner

seth e lipner

The Financial Industry Regulatory Association (“FINRA”) maintains a database of customer complaints about individuals licensed by FIRNA as registered representatives. The data can be accessed and used by both securities regulators and the investing public to find out about past complaints made by customers of the registered representatives. But records of customer complaints can be expunged from the database through an arbitration process created by FINRA. This Article traces the history of that arbitration process, focusing on how it is employed in cases where the investor was paid money to settle a claim. The Article studies FINRA arbitrations in such …

A Submission To The Australian Law Reform Commission On Copyright And The Digital Economy: It Pricing, Matthew Rimmer

Matthew Rimmer

EXECUTIVE SUMMARYThis submission draws upon a number of pieces of research on copyright and consumer rights – including:1. Matthew Rimmer, 'Clash of the Titans: Apple, Adobe, and Microsoft Under Fire at the IT Pricing Inquiry', The Conversation, 22 March 2013, https://theconversation.edu.au/clash-of-the-titans-apple-adobe-and-microsoft-under-fire-at-it-pricing-inquiry-128782. Matthew Rimmer, 'When the Price is Not Right: Technology Price Gouging in Australia', The Conversation, 23 November 2012, http://theconversation.edu.au/when-the-price-is-not-right-technology-price-gouging-in-australia-105823. Matthew Rimmer, 'IT Pricing: Copyright Law, Consumer Rights, and Competition Policy', A submission to the House of Representatives Standing Committee on Infrastructure and Communications Inquiry into IT Pricing, 19 September 2012, http://works.bepress.com/matthew_rimmer/121/In addition, this submission draws upon a number of …

Snopa And The Ppa: Do You Know What It Means For You? If Snopa (Social Networking Online Protection Act) Or Ppa (Password Protection Act) Do Not Pass, The Snooping Could Cause You Trouble, Angela Goodrum

Angela Goodrum

No abstract provided.

Standard Contract Clauses As Public Goods: A New Way Of Understanding Inefficient Clauses, Enrico Baffi

enrico baffi

The aim of this work is to show how it is possible to identify market failures other than those traditionally identified by lawyers and law and economics scholars to justify the mandatory provisions of contracts between professionals and consumers and the equally mandatory provisions governing the abuse of economic dependency. This is a new approach that can be extended to other provisions and appears to rest on fairly solid microeconomic foundations. There is no doubt, however, that many criticisms can be leveled against it. Very briefly, I shall argue that the production of clauses characterized by being rather vague, indeterminate …

An Inquiry Into Rule Of Law, Awho & We The People, Chandra Nath

Chandra Nath

No abstract provided.

Privacy, Transparency & Google's Blurred Glass, Jonathan I. Ezor

Jonathan I. Ezor

No matter the context or jurisdiction, one concept underlies every view of the best practices in data privacy: transparency. The mandate to disclose what personal information is collected, how it is used, and with whom and for what purpose it is shared, is essential to enable informed consent to the collection, along with the other user rights that constitute privacy best practices. Google, which claims to support and offer transparency, is increasingly opaque about its many products and services and the information they collect for it, posing a significant privacy concern.

Torture Of Crime Victims, Nobel Prize Winner Association By Illinois State Police And Freedom Of Press Violated, James T. Struck

James T Struck

Torture of Crime Victims, Nobel Prize Winner Association by Illinois State Police and Freedom of Press Violated I was beaten on 12/8/2012 with 15-20 broken bones. I filed a crime victim compensation request with the Illinois Attorney General (AG) office; crime victim compensation was denied as the Illinois AG said I did not cooperate when actually I asked the police to tell the attacker if found not to attack or beat other people. I theoretically won the Nobel Peace Prize as I applied for work with the OPCW and was in the Chicago area near O'hare and Midway on 12/9/2013 …

Contract Clauses As Public Goods: A New Way Of Understanding Inefficient Clauses, Enrico Baffi

enrico baffi

he aim of this work is to show how it is possible to identify market failures other than those traditionally identified by lawyers and law and economics scholars to justify the mandatory provisions of contracts between professionals and consumers and the equally mandatory provisions governing the abuse of economic dependency. This is a new approach that can be extended to other provisions and appears to rest on fairly solid microeconomic foundations. There is no doubt, however, that many criticisms can be leveled against it. Very briefly, I shall argue that the production of clauses characterized by being rather vague, indeterminate …

Could You Repeat That Please? Forty-Five Years Of Testing Pesticides On People, Barbara R. Leiterman Esq.

Barbara R. Leiterman Esq.

Little has been published in the literature about pesticide experiments conducted on human subjects. Yet there were at least twenty-two tests between 1967 and 2011 in which people were intentionally exposed to specific doses of pesticides. Almost all of these experiments violated scientific ethics and human rights. This article aims to describe those tests and their shortcomings, and explore the laws and regulations that incentivize such human experimentation. Ironically, as the public desire for pesticide safety increases, so does the industry’s motivation to test pesticides on people. Bringing these pesticide experiments to light, expanding the public discourse on the subject …

Dodd-Frank Act And Remittances To Post-Conflict Countries: The Law Of Unintended Consequences Strikes Again, Raymond Natter

Raymond Natter

The Dodd-Frank Act established a new Federal framework for the regulation of international remittance payments that originate in the U.S. However, the statute and implementing regulations may have the unintended consequence of disrupting the flow of remittance funds to post-conflict nations.

Intereses En Las Operaciones Financieras, Martin Paolantonio

Martin Paolantonio

En "Diálogos de Doctrina", diversas opiniones sobre la regulación jurídica de los intereses, su conveniencia y límites

The Constitution, The Roberts Court & Business: The Significant Business Impact Of The Supreme Court's 2011-2012 Term, Corey A. Ciocchetti

Corey A Ciocchetti

The 2011-2012 Supreme Court term created quite the media buzz. The Affordable Care Act cases and the controversial Arizona immigration law dominated the headlines. But the term also included other fascinating yet less sensationalized cases. The Court heard its fair share of criminal law controversies involving derelict defense attorneys and prosecutors as well as civil procedure disputes involving qualified immunity for witness in grand jury proceedings and private parties assisting the government in litigation. The justices also entertained arguments on a federal law allowing United States citizens born in Jerusalem to have “Israel” stamped as their birthplace on a passport. …

Article Iii: Cases & Controversies - Teaching The Already V. Nike Case, Corey A. Ciocchetti

Corey A Ciocchetti

Nike is the market leader selling athletic shoes worldwide. Already markets its products to a smaller segment of the athletic shoe market. These two companies battled at the intersection of the intellectual property, federal court jurisdiction and constitutional law. These slides help teach the Already v. Nike Supreme Court case. These slides cover issues such as Article III cases & controversies, intellectual property rights in trademarks and patents as well as mootness and standing doctrines.

Dirty Remics, Revisited, David J. Reiss, Bradley T. Borden

David J Reiss

We review the differences between two visions for the residential mortgage markets, one driven by the goal of efficiency and the other driven by the goals of efficiency and consumer protection. Both visions advocate for structural reform, but one advocates for industry-led change and the other advocates for input from a wider array of stakeholders. Broader input is not only important to ensure that a broad range of interests are represented but also to ensure the long-term legitimacy of the new system. This is a response to Joshua Stein, Dirt Lawyers Versus Wall Street: A Different View, PROBATE AND PROPERTY …

Dirt Lawyers And Dirty Remics: A Debate, David J. Reiss, Bradley T. Borden, Joshua Stein

David J Reiss

In mid-2013, Professors Bradley T. Borden and David J. Reiss published an article in the American Bar Association’s PROBATE & PROPERTY journal (May/June 2013, at 13), about the disconnect between the securitization process and the mechanics of mortgage assignments. The Borden/Reiss article discussed potential legal and tax issues caused by sloppiness in mortgage assignments.

Joshua Stein responded to the Borden/Reiss article, arguing that the technicalities of mortgage assignments serve no real purpose and should be eliminated. That article appeared in the November/December 2013 issue of the same publication, at 6.

Stein’s response was accompanied by a commentary from Professors Borden …