Consumer Protection Law Commons^™

Contra Proferentem And The Role Of The Jury In Contract Interpretation, Ethan J. Leib, Steve Thel

Faculty Scholarship

Revisiting Bill Whitford’s work on the role of the jury in contract interpretation and his work on consumer form contracting inspired us to take a careful look at a doctrine of contract interpretation that is usually thought to help consumers in interpretive battles with those who draft their contracts unilaterally. But we found that contra proferentem -- the canon that requires construing or interpreting a contract against the drafter when ambiguities arise -- is more confusing than we expected. What we have done here is lay out some of the complexities of the doctrine, focusing on its broader application outside …

Lift Not The Painted Veil! To Whom Are Directors’ Duties Really Owed?, Martin Gelter, Geneviève Helleringer

Faculty Scholarship

In this article, we identify a fundamental contradiction in the law of fiduciary duty of corporate directors across jurisdictions, namely the tension between the uniformity of directors’ duties and the heterogeneity of directors themselves. American scholars tend to think of the board as a group of individuals elected by shareholders, even though it is widely acknowledged (and criticized) that the board is often a largely self-perpetuating body whose inside members dominate the selection of their future colleagues and eventual successors. However, this characterization is far from universally true internationally, and it tends to be increasingly less true even in the …

Data Breach (Regulatory) Effects, David Thaw

Articles

No abstract provided.

Reasonable Expectations Of Privacy Settings: Social Media And The Stored Communications Act, David Thaw, Christopher Borchert, Fernando Pinguelo

Articles

In 1986, Congress passed the Stored Communications Act (“SCA”) to provide additional protections for individuals’ private communications content held in electronic storage by third parties. Acting out of direct concern for the implications of the Third-Party Records Doctrine — a judicially created doctrine that generally eliminates Fourth Amendment protections for information entrusted to third parties — Congress sought to tailor the SCA to electronic communications sent via and stored by third parties. Yet, because Congress crafted the SCA with language specific to the technology of 1986, courts today have struggled to apply the SCA consistently with regard to similar private …

A Review Of The Sunshine Act's Open Payments Program: Are Patients Still In The Dark?, Shirley Chen

Loyola Consumer Law Review

No abstract provided.

K-Cup Crusade For Consumers, Shirley Chen

Loyola Consumer Law Review

No abstract provided.

International Trade's Zero-Sum Game: How Zeroing In Accordance With The Tariff Act Of 1930 Harms The American Economy And Why It Must Go, Courtney Cox

Loyola Consumer Law Review

No abstract provided.

Taming The Wild West Of Wall Street: Regulating Credit Default Swaps After Dodd-Frank, 48 J. Marshall L. Rev. 565 (2015), Benjamin O’Connor

UIC Law Review

No abstract provided.

"Whimsy Little Contracts" With Unexpected Consequences: An Empirical Analysis Of Consumer Understanding Of Arbitration Agreements, Jeff Sovern, Elayne E. Greenberg, Paul F. Kirgis, Yuxiang Liu

Faculty Publications

Arbitration clauses have become ubiquitous in consumer contracts. These arbitration clauses require consumers to waive the constitutional right to a civil jury, access to court, and, increasingly, the procedural remedy of class representation. Because those rights cannot be divested without consent, the validity of arbitration agreements rests on the premise of consent. Consumers who do not want to arbitrate or waive their class rights can simply decline to purchase the products or services covered by an arbitration agreement. But the premise of consent is undermined if consumers do not understand the effect on their procedural rights of clicking a box …

High Technology, Consumer Privacy, And U.S. National Security, Laura K. Donohue

Georgetown Law Faculty Publications and Other Works

Documents released over the past year detailing the National Security Agency’s (“NSA”) telephony metadata collection program and interception of international content under the Foreign Intelligence Surveillance Act (FISA) implicated U.S. high technology companies in government surveillance. The result was an immediate, and detrimental, impact on U.S. corporations, the economy, and U.S. national security.

The first Snowden documents, printed on June 5, 2013, revealed that the government had served orders on Verizon, directing the company to turn over telephony metadata under Section 215 of the USA PATRIOT Act. The following day, The Guardian published classified slides detailing how the NSA had …

Regulating For The First Time The Decision To Grant Consumer Credit: A Look At The First Steps Taken By The United States And Australia, Jeffrey Davis

UF Law Faculty Publications

In this Article, I discuss the changes in three consumer-credit realms. First, I compare the Australian regime applicable to all forms of consumer credit granting, including mortgage lending, to the American regulation of the consumer mortgage-granting decision. Second, I compare the Australian and American approaches to the decision to authorize use of, or increase the credit limit on, individual credit cards. Third, I compare the two approaches to regulating small short-term loans, usually called payday loans. Finally, I compare the enforcement regimes of both countries — perhaps the key to it all.

Giving Slaughterhouses Glass Walls: A New Direction In Food Labeling And Animal Welfare, Zak Franklin

Animal Law Review

Modern industrial animal agriculture and consumer purchasing patterns do not match consumers' moral preferences regarding animal welfare. Cur­rent production methods infiict a great deal of harm on animals despite widespread consumer preference for meat, dairy, and eggs that come from humanely treated animals. Judging by the premium pricing and market shares of food products with moral or special labels (e.g., 'cage-free,' 'free range,' and 'organic'), many consumers are willing to pay more for less harmful products, but they are unable to determine which products match this preference. The labels placed on animal products, and the insufficient government oversight of these …

Liquidity, Systemic Risk, And The Bankruptcy Treatment Of Financial Contracts, Rizwaan J. Mokal

Brooklyn Journal of Corporate, Financial & Commercial Law

No abstract provided.

Wrecking Ball Disguised As Law Reform: Alec's Model Act On Private Enforcement Of Consumer Protection Statutes, Dee Pridgen

Dee Pridgen

The consumer protection statutes of every state are currently under attack by a proposed model law that would effectively eliminate the critical private enforcement provisions that give these laws their power. The American Legislative Exchange Council (ALEC) has produced a purported law reform vehicle that is actually a wrecking ball to destroy one of the building blocks of consumer protection, namely the private enforcement of state unfair and deceptive practices acts. It does this by systematically weakening each and every provision of these laws, such as lower burdens of proof, special damages, and attorney’s fees, that were designed to provide …

Dirty Debts Sold Dirt Cheap, Dalie Jimenez

Dalie Jimenez

More than 77 million Americans have a debt in collections. Many of these debts will be sold to debt buyers for pennies, or fractions of pennies, on the dollar. This Article details the perilous path that debts travel as they move through the collection ecosystem. Using a unique dataset of 84 consumer debt purchase and sale agreement, it examines the manner in which debts are sold, oftentimes as simple data on a spreadsheet, devoid of any documentary evidence. It finds that in many contracts, sellers disclaim all warranties about the underlying debts sold or the information transferred. Sellers also sometimes …

Banks, Break-Ins, And Bad Actors In Mortgage Foreclosure, Christopher K. Odinet

Christopher K. Odinet

Directive 2005/29/Ec On Unfair Commercial Practices And Its Application To Food-Related Consumer Protection, Luis González Vaqué

Luis González Vaqué

Directive 2005/29/EC on Unfair Commercial Practices was adopted on 11 May 2005 to help consumers benefit from the Internal Market by removing regulatory barriers, deriving from divergent national rules, which discouraged firms from selling and undermined consumers' trust in buying across the EU. It provides for a high level of consumer protection in all sectors and works as a safety net that fills the gaps, which are not regulated by other EU sector- specific rules (i.e. Foodstuffs).

España - Proyecto De Ley Para La Defensa De La Calidad Alimentaria: Pronóstico Reservado, Luis González Vaqué

Luis González Vaqué

En el curso del mes de abril de 2015, el Gobierno de España aprobó el “Proyecto de Ley para la Defensa de la Calidad Alimentaria”. Si nos atenemos a lo que se indica en la primera parte de su “Exposición de Motivos”, la ‘misión básica’ del sector alimentario es proporcionar al ciudadano unos alimentos sanos, seguros y que además respondan a sus expectativas de ‘calidad’: «esta situación demanda ‘un modelo de calidad alimentaria´que incluya un conjunto básico de disposiciones legales y vele por el respeto a la competencia leal entre operadores».

En el curso de nuestra conferencia analizaremos diversos aspectos …

Desarmar Al Populismo, Un Nuevo Objetivo En La Unión Europea, Luis González Vaqué

Luis González Vaqué

¿De qué manera puede hacer frente el espíritu europeísta al creciente populismo que, en todo el continente, encuentra su principal argumento en el rechazo a la inmigración?

Soy europeísta y optimista (no creo que se pueda ser lo uno sin lo otro), pero he de reconocer que la UE comunica mal, o, utilizando una expresión más post-moderna, se vende mal… A ello contribuyen incluso los representantes políticos de todos los niveles que caen en la tentación de echar las culpas de todo a Bruselas, especialmente cuando lo practican los gobiernos nacionales y los partidos políticos por motivos políticos internos: esta …

Nuevas Reglas Para La Utilización De Las Menciones “Muy Bajo En Gluten” Y “Sin Gluten” En El Etiquetado Y La Publicidad De Los Alimentos, Luis González Vaqué

Luis González Vaqué

Sin duda alguna, el Reglamento de ejecución (UE) nº 828/2014 de la Comisión regula una materia muy sensible pues afecta a los celíacos, que padecen una intolerancia permanente al gluten: se ha demostrado científicamente que el trigo (es decir, todas las especies "Triticum", tales como el trigo duro, la espelta y el trigo khorasan), el centeno y la cebada contienen gluten y el gluten de estos cereales puede provocar efectos adversos para la salud en las personas intolerantes al gluten, que, por lo tanto, deben evitar consumirlo.

There is no doubt that Commission Implementing Regulation No 828/2014 regulates a very …