Law Commons^™

Electronic Government And Digital Inclusion: Examples From India, Subhajit Basu

Subhajit Basu

This presentation has two parts: In the first part I look into Development, effect of technology on development, obviously technology provides opportunity to have choices but Can Technology (here ICT) influence development? Digital inclusion is a concept about the disparities in terms of citizens’ participation in the Information Society. This participation may be conceptualised in the first instance as ICT access, levels of use and use patterns. On one hand we have technology which promises of New Dawn for the developing countries, on the other hand only access to technology will not provide development for poor millions of a developing …

Turning A Blind Eye: Wall Street Finance Of Predatory Lending

Patricia A. McCoy

Today, Wall Street finances up to eighty percent of subprime home loans through securitization. The subprime sector, which is designed for borrowers with blemished credit, has been dogged by predatory lending charges, many of which have been substantiated. As subprime securitization has grown, so have charges that securitization turns a blind eye to financing abusive loans. In this paper, we examine why secondary market discipline has failed to halt the securitization of predatory loans.

When investors buy securities backed by predatory loans, they face a classic lemons problem in the form of credit risk, prepayment risk, and litigation risk. Securitization …

Bankruptcy Reform And Homeownership Risk, Melissa Jacoby

Melissa B. Jacoby

No abstract provided.

Business Blogs And Commercial Speech: A New Analytical Framework For The 21st Century, Robert Sprague

Robert Sprague

No abstract provided.

Who's Your Payday, Jill Jasperson

Jill Jasperson

This paper discusses the concept of payday lending through the context of examining the top eight payday lenders in America today. They represent a good portion of payday lenders. We can examine their practices and procedures through introspection into the SEC filings that these companies file annually. In 2007, the author examined eight payday lenders in America who are publically traded and are required annually to file.

Rethinking Disclosure In A World Of Risk-Based Pricing

Patricia A. McCoy

The residential mortgage market in the United States has changed significantly since the passage of current federal mortgage disclosure laws in the 1960s and 1970s. In this Article, Professor Patricia McCoy advocates for the reform of these traditional disclosure rules. After describing the evolution of the subprime mortgage market and providing a description of current federal disclosure laws, she explores how these new market dynamics cause the traditional disclosure rules to break down in the subprime market. Professor McCoy concludes with proposals to counteract false advertising practices, facilitate "meaningful comparison-shopping, and formulate streamlined disclosures addressing loan applicants' greatest concerns in …

Predatory Lending And Community Development At Loggerheads

Patricia A. McCoy

For decades, cities have invested in decaying neighborhoods, leading to increases in home values and home equity. As a result, these neighborhoods have become ready targets for predatory lenders, who market their abusive loans to financially unsophisticated homeowners with home equity and no relationships with traditional lenders. Some borrowers lose their homes; others forsake home repairs to avoid default and foreclosure. Neighborhoods that once were stable become littered with abandoned and neglected homes, resulting in increased crime, falling home values, rising demands for social services, and lower tax revenues.

In the wake of the devastation done by predatory lenders, the …

La Cláusula "No A La Orden" En El Pagaré Y El Cheque. A Propósito De Las Modificaciones De Los Decretos 1387/2001 Y 386/2003, Martin Paolantonio, Pablo Legón

Martin Paolantonio

Análisis de la cláusula no a la orden en el pagaré y el cheque, considerando la posibilidad de endoso y sus efectos en virtud del decreto 1387/2001 y 386/2003

La Cláusula General Como Elemento Esencial En La Configuración De Los Actos De Competencia Desleal Enunciados Y No Enunciados, Pierino Stucchi

Pierino Stucchi

No abstract provided.

Afinal, O Que Beneficia O Consumidor?, Carlos Emmanuel Joppert Ragazzo

carlos ragazzo

No abstract provided.

The Fundamentals Of Teaching Sports Law, Adam Epstein

Adam Epstein

The article lays out the fundamentals of teaching a successful Sports Law course including the subject areas of Sports Agency, Sports Contracts, Sports Torts, Sports Crimes, Title IX Issues, Disabilities in Sports, the use of Performance Enhancing Drugs (PEDs), and so on.

Exploration Of Minimum Age Employment Policies In Professional Sports, Adam Epstein

Adam Epstein

The purpose of the paper is to explore the minimum age policies of the Big Four sports leagues in the United States (NBA, NFL, MLB and NHL), and discuss the history of their policies. Emphasis is given to the legal battles waged by Spencer Haywood (NBA) and Maurice Clarett (NFL). A discussion of other sports and their minimum age policies is presented as well. The study and history of relevant antitrust law is incorporated as well.

Michigan High Schools Now In Sync, Adam Epstein

Adam Epstein

A discussion of the important case involving a decade of litigation involving the Michigan High School Athletic Association (MHSAA) and its insistence that the six girls' sports seasons that did not coincide with the boys' seasons was legal. However, the MHSAA lost its case and high school sports seasons changed beginning fall 2007 to comply with the federal gender-equity law known as Title IX.

“Las Nociones 'Consumidor Medio' Y 'Miembro Medio De Un Grupo Particular De Consumidores' En El Reglamento N° 1924/2006 (Declaraciones Nutricionales Y De Propiedades Saludables En Los Alimentos)”, Luis González Vaqué

Luis González Vaqué

It is important that claims on foods can be understood by the consumer and it is appropriate to protect all consumers from misleading claims. However, since the enactment of Council Directive 84/450/EEC of 10 September 1984 concerning misleading and comparative advertising, the Court of Justice of the European Communities has found it necessary in adjudicating on advertising cases to examine the effect on a notional, typical consumer. In line with the principle of proportionality, and to enable the effective application of the protective measures contained in it, this Regulation takes as a benchmark the average consumer, who is reasonably well-informed …