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Articles 1 - 5 of 5
Full-Text Articles in Law
From Status To Contract: Evolving Paradigms For Regulating Consumer Credit, Rashmi Dyal-Chand
From Status To Contract: Evolving Paradigms For Regulating Consumer Credit, Rashmi Dyal-Chand
Rashmi Dyal-Chand
In the last four decades something radical has happened in the United States consumer economy: the ordinary, middle class homeowner has gained a new means for borrowing thousands of dollars. While consumers have long had the option of using their homes as collateral for loans, they can now use credit cards to borrow large sums without any security for those loans. This article explains the legal shift that accompanied this new type of loan transaction and explores changes in the credit relationship. While careful and extensive legal scholarship draws attention to the dramatic changes the credit card has made to …
Bancomat, Carte Di Credito E Responsabilità Civile Nella Giurisprudenza Dell'abf, Valerio Sangiovanni
Bancomat, Carte Di Credito E Responsabilità Civile Nella Giurisprudenza Dell'abf, Valerio Sangiovanni
Valerio Sangiovanni
No abstract provided.
Assessing The Costs & Benefits Of Credit Card Rewards: A Response To Who Gains And Who Loses From Credit Card Payments? Theory And Calibrations, Steven Semeraro
Assessing The Costs & Benefits Of Credit Card Rewards: A Response To Who Gains And Who Loses From Credit Card Payments? Theory And Calibrations, Steven Semeraro
Steven Semeraro
Abstract: Assessing the Costs & Benefits of Credit Card Rewards: A Response to Who Gains and Who Loses from Credit Card Payments? Theory and Calibrations For two decades, economic and legal academics have speculated about the impact of the fees that merchants pay for credit card acceptance. Since all customers pay the same price, the theory goes, everyone pays for the benefits that go only to credit card users. A recent Federal Reserve Bank of Boston (FRBB) policy paper written by economists Scott Schuh, Oz Shy, and Joanna Stavins entitled Who Gains and Who Loses from Credit Card Payments? Theory …
Behaviorally Informed Regulation, Michael S. Barr, Sendhil Mullainathan, Eldar Shafir
Behaviorally Informed Regulation, Michael S. Barr, Sendhil Mullainathan, Eldar Shafir
Book Chapters
Policy makers typically approach human behavior from the perspective of the rational agent model, which relics on normativc, a priori analyses. The model assumes people make insightful, well-planned, highly controlled, and calculated decisions guided by considerations of personal utility. This perspective is promoted in the social sciences and in professional schools and has come to dominate much of the formulation and conduct of policy. An alternative view, developed mostly through empirical behavioral research, and the one we will articulate here, provides a substantially difierent perspective on individual behavior and its policy and regulatory implications. According to the empirical perspective, behavior …
L'Embarras Du Choix: A Year Of Developments In The Laws Affecting Remittance Transfers, Credit Cards, And Certain Prepaid Cards, Sarah Jane Hughes
L'Embarras Du Choix: A Year Of Developments In The Laws Affecting Remittance Transfers, Credit Cards, And Certain Prepaid Cards, Sarah Jane Hughes
Articles by Maurer Faculty
No abstract provided.