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Articles 1 - 6 of 6
Full-Text Articles in Consumer Protection Law
Standard-Form Contracting In The Electronic Age, Robert A. Hillman, Jeffrey J. Rachlinski
Standard-Form Contracting In The Electronic Age, Robert A. Hillman, Jeffrey J. Rachlinski
Jeffrey J. Rachlinski
The development of the Internet as a medium for consumer transactions creates a new question for contract law. In this Article, Professors Robert Hillman and Jeffrey Rachlinski address whether the risks imposed on consumers by Internet boilerplate requires a new lens through which courts should view these types of contracts. Their analysis of boilerplate in paper and Internet contracts examines the social, cognitive, and rational factors that affect consumers' comprehension of boilerplate and compares business strategies in presenting it. The authors conclude that the influence of these factors in Internet transactions is similar to that in proper transactions. Although the …
Stored Value Cards And The Consumer: The Need For Regulation , Mark E. Budnitz
Stored Value Cards And The Consumer: The Need For Regulation , Mark E. Budnitz
Mark E. Budnitz
No abstract provided.
A Tale Of Three Markets: The Law And Economics Of Predatory Lending, Kathleen Engel, Patricia Mccoy
A Tale Of Three Markets: The Law And Economics Of Predatory Lending, Kathleen Engel, Patricia Mccoy
Patricia A. McCoy
Predatory lending - the practice of making exploitative high-cost loans to naive borrowers - has spurred policy-makers, activists, lenders and scholars to debate whether intervention is warranted and, if so, what type of intervention is appropriate. The solution requires understanding the incentives in the home mortgage market that have fueled predatory lending. Recent changes in the credit market have created new possibilities for lenders to profit by exploiting information asymmetries to the detriment of unsophisticated borrowers. As a result, a new, predatory lending market has emerged alongside the legitimate prime and subprime home mortgage markets. Neither market forces nor existing …
Debt-Buyer Lawsuits And Inaccurate Data, Peter A. Holland
Debt-Buyer Lawsuits And Inaccurate Data, Peter A. Holland
Peter A. Holland
Pursuant to secret purchase and sale agreements (also known as forward flow agreements), the accounts that banks sell to debt buyers are often sold “as is,” with explicit and emphatic disclaimers that the debts may not be owed, the amounts claimed may not be accurate, and documentation may be missing. Despite their full knowledge that the accuracy and completeness of the data has been specifically disclaimed by the bank, when they sue consumers, debt buyers tell courts that the information obtained from the bank is inherently reliable and accurate. In order to avoid a fraud on the courts, the contents …
Entender Los Males Económicos Modernos A La Luz De La Doctrina Social Católica, Brian M. Mccall
Entender Los Males Económicos Modernos A La Luz De La Doctrina Social Católica, Brian M. Mccall
Brian M McCall
In a general sense, St. Thomas Aquinas predicted the paralysis and chaos of the financial and economic systems in America and Europe which occurred in 2008, when he predicted that in a society where unjust exchanges dominate, eventually all exchanges will cease. St. Thomas also points out that although human law cannot prohibit all injustice, society cannot escape the consequences of transgressing the divine law which leaves “nothing unpunished.” Thus, at least part of the explanation for that crisis whose effects remain with us today lies in continuous violations of natural justice by our economic system. Neither one product nor …
"La Transposición De La Directiva 2011/83/Ue Al Derecho Del Reino Unido: 'The (Information, Cancellation And Additional Charges) Regulations 2013'", Luis González Vaqué
"La Transposición De La Directiva 2011/83/Ue Al Derecho Del Reino Unido: 'The (Information, Cancellation And Additional Charges) Regulations 2013'", Luis González Vaqué
Luis González Vaqué
En este artículo se describe y explica sucintamente la transposición al Derecho del Reino Unido de la Directiva 2011/83/UE, de 25 de octubre de 2011, sobre los derechos de los consumidores, por la que se modifican la Directiva 93/13/CEE y la Directiva 1999/44/CE y se derogan las Directivas 85/577/CEE y 97/7/CE, teniendo en cuenta las tres principales áreas cubiertas por la citada Directiva 2011/83/UE: la información que los comerciantes deben facilitar al consumidor, el derecho de desistimiento en los contratos a distancia y los contratos celebrados fuera de un establecimiento y las medidas para impedir los costes encubiertos.