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International Arbitration, Sergey Petrachkov, Daryna Hrebeniuk, Oksana Karel, Jeffrey Rosenthal, Katerina Wright, Keara A. Bergin, Christopher P. Denicola, Brendan Clancy, Patrick Roche, Marcus Walsh, Caoimhe Clarkin, Peter Ashford, Kate Felmingham, Antonio Canales, Marianne Chao, John Cooper, Michael P. Daly, Mercedes Fernandez, Carla Gharibian, Melissa Stear Gorsline, Haifeng Huang, Elie Kleiman, Annie Leaks, Fernando F. Pastore, Maria I. Pradilla Picas, Iris Sauvagnac, Cristina Perez Soto, Johannes Willheim, Joyce Fong, Christina Nitsche, Dan Perera, Anthony Lynch, Héctor Scaianschi Márquez, Preeti Bhangnani, Eric Lenier Ives, Fernando Navarro, Tom Pearson

The Year in Review

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Life Sciences & Health Law, Adalberto López López, Yevgeniya Ocheretko, Carly M. Toepke, Arina Zadorozhna, José Alan Zamarripa Miramontes

The Year in Review

No abstract provided.

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International Art And Cultural Heritage Law, Lois E. Wetzel, Jacqueline Chezar, David Bright, Kevin Ray

The Year in Review

No abstract provided.

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International Antitrust, Miguel Del Pino, Elizabeth Avery, Rebecca Mahony, Bruno Drago, Paola Pugliese, Milena Mundim, Adam S. Goodman, Peter Wang, Yizhe Wang, Peter Camesasca, Laurie Anne Grelier, Naval Satarawala Chopra, Aman Singh Sethi, Shigeyoshi Ezaki, Vassili Moussis, Kiyoko Yagami, Naoki Uemura, Youngjin Jung, Maria Hajiyerou, Eun Hee Kim, Lara Granville, Neil Cunninghame, Lisl Dunlop

The Year in Review

No abstract provided.

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International Transportation Law, James Henry Bergeron, Attilio M. Costabel, Peng Xianwei, James Border, Jason Drouyor, Greg Maddaleni

The Year in Review

No abstract provided.

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International M&A And Joint Ventures, Renata Antiquera, Jason Saltzman, Selena Lucien, Francisco Ugarte, Alejandra Daroch, Yu Zheng, Yueyue Liao, Lu Jia, Xiao Wang, Luigi Pavanello, Anton Dzhuplin, Alexander Kleschev, Anna Kuznetsova, Albert Garrofé, Idoya Fernández, Lola Tejero, Timur Bondaryev, Anna Zorya, Edem Mensitov, Mark Howard, Geoffrey Goodale

The Year in Review

No abstract provided.

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Mexico, Kelsey Quigley, Christopher Munoz, Cesar Conde, John Walsh, Sara Maldonado, Judith Wilson, Pedro Fernando González Maldonado, Estefania Díaz González, Bruce Greenberg, Mariano Carrizo, Karen Andrea Ortega Cajiga, Vanessa Romero-Rocha, Susan Burns, Rene Alva, Ernesto Velarde

The Year in Review

No abstract provided.

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Canada, Jordan Goodman, Jeremiah Kopp, Julia Webster, Sam Levy, Jacob Mantle, Ashley Paterson, Tim Heneghan, Ramneet Sierra, H. Scott Fairley, Margarita Dvorkina, Adam Mauntah, Jacqueline Bart, Daniel O.W. Smith

The Year in Review

No abstract provided.

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Front Matter

The Year in Review

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Elder Fraud Metrics And Preventative Measures Of Chesapeake, Virginia, Joey J. Whitmore Jr.

Cybersecurity Undergraduate Research Showcase

Geriatric crime continues to escalate in the digital era, where older individuals are disproportionately being targeted because of their low digital literacy and high susceptibility to online frauds. In this paper, we examine the breadth of elder fraud in Chesapeake, Virginia using FBI Internet Crime Complaint Center (IC3) data and state-level cybersecurity initiatives and survey responses. Older adults aged 60 and up have reported losses of over $3.4 billion in 2023 alone, underscoring the importance of proactive measures. It assesses the public awareness from traditional and AI-based perspectives revealing significant gaps in digital safety literacy and fraud reporting mechanism among …

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Human Trafficking In Idaho: A Growing Issue And How Idaho Law Can Be More Effective, Blaykleigh Smythe

Idaho Law Review

Human trafficking has been a national problem since the beginning of the nation’s history and has created millions of victims and threatened the safety and freedom of our country. Since 2000, when the first comprehensive federal law to address human trafficking was passed, states have followed suit and passed their own versions of trafficking statutes. Many states have also recognized the growth of the problem and reformed their legislation to respond and provide resources for victims more effectively. This article discusses the importance of state legislation against human trafficking and analyzes Idaho’s own statute in comparison to other states. The …

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We Can Protect The “Waters Of The United States” As Long As They Stay Out Of The Hydrological Cycle, Victoria Sutton

Idaho Law Review

The water cycle, including its oceans, surface water, wetlands, water vapor, clouds and groundwater, has resulted in a patchwork of statutes and regulations that fail to comprehensively protect the “waters of the United States.” This is not a simple "fix," and requires Congressional positivism rather than decades of relying on the judicial branch to resolve statutes that are ultimately not designed for true water protection. It is Congress’s role to resolve the wetlands protection issue, and it has avoided the responsibility probably for lack of a good solution. It would likely take a Constitutional amendment to bring the hydrologic cycle …

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Stress And Public Criminal Defense: Comparing Male And Female Defender Experiences And Coping Strategies, Alisa M. Smith

Idaho Law Review

Little research has focused on stress and coping strategies among public defenders, and none compares the experiences of male and female defenders. As frontline workers, critical to the due process of law, understanding and eradicating stress is essential to their well-being and the fair treatment of defendants. Employing thematic analysis of public defenders’ responses to open-ended questions, this study found gendered differences in how male and female defenders described their work motivations, challenges, and strategies for dealing with stress. Both male and female public defenders confront the stresses of injustice and heavy workloads. Female defenders, however, are more likely to …

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Lessons Learned: Fabrizio López-Gallo, Mercedes Cardona

Journal of Financial Crises

Fabrizio López-Gallo served as the Bank of Mexico’s director general of financial stability during the COVID-19 pandemic, having been financial sector specialist and risk analysis and special projects manager for the central bank during the 2007–09 Global Financial Crisis (GFC). The Mexican government declared a health emergency at the outbreak of the pandemic and implemented a general economic shutdown. The Bank of Mexico intervened by cutting rates and initiating extraordinary measures, such as adding bond swaps and loosening rules for minimum deposits at commercial banks to provide liquidity. It gave flexibility to commercial banks to grant forbearance on mortgage payments …

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Eliminating Discount Window Stigma: What Can We Learn From Abroad?, Susan Mclaughlin

Journal of Financial Crises

This article picks up from an earlier Journal of Financial Crisis policy note on discount window design to see how the experiences of other central banks can inform work to redesign the discount window to reduce stigma. As explained in that article, banks’ reluctance to use the discount window is problematic for financial stability as it constrains the Fed’s ability to use its liquidity provision tools to stem runs and mitigate contagion in times of stress. The stigma associated with discount window borrowing in the United States is well documented and is a multifaceted phenomenon.

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United States: First Republic Bank Emergency Liquidity Program, 2023, Salil Gupta, Jack French, Steven Kelly

Journal of Financial Crises

First Republic Bank, a California-based institution with $212.6 billion in assets, lost $25 billion in deposits on Friday, March 10, 2023, following the closing of Silicon Valley Bank that morning. On Sunday, March 12, First Republic announced that it had access to $70 billion in unused liquidity owing to its borrowing capacity at the Federal Reserve, the Federal Home Loan Bank System, and JPMorgan Chase (JPMC). But First Republic’s depositors withdrew a further $40 billion of deposits on Monday, March 13. First Republic’s borrowings from the Federal Reserve rose as high as $109 billion between Friday, March 10, and Wednesday, …

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United States: Citigroup Emergency Liquidity Program, 2008, Vincient Arnold

Journal of Financial Crises

By November 21, 2008, against the backdrop of heavy losses during the Global Financial Crisis, Citigroup counterparties were substantially pulling back from the firm. On November 23, the US Department of the Treasury, Federal Deposit Insurance Corporation (FDIC), and Federal Reserve announced a support package for Citi composed of a capital injection and a loss-sharing arrangement on $300.8 billion of assets. Under the Asset Guarantee Program (AGP), Citi would absorb the first $39.5 billion in losses on a mutually agreed upon pool of risky assets; the Treasury and FDIC provided $15 billion in loss protection after that, combined with Citi’s …

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United States: Bear Stearns Emergency Liquidity Assistance, 2008, Vincient Arnold

Journal of Financial Crises

On Thursday, March 13, 2008, the US investment bank Bear Stearns Companies approached the Federal Reserve Bank of New York (FRBNY), saying it expected many of its repurchase agreement (repo) counterparties would not “roll,” or renew, their repo agreements the next day. As a result, the firm would be obligated to repay many of its repo liabilities. Without an emergency loan, Bear would be forced to file for bankruptcy on Friday morning, March 14. Before the market opened on Friday, the FRBNY made an overnight loan for $12.9 billion through JPMorgan Chase Bank (JPMC) on a nonrecourse basis, which on-lent …

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Sweden: Carnegie Investment Bank Ab Emergency Liquidity Program, 2008, Sophia Alden, Jack French

Journal of Financial Crises

In October 2008, Carnegie Investment Bank AB (Carnegie) had trouble obtaining financing amid concerns about its financial health. However, Sweden’s central bank, the Sveriges Riksbank (Riksbank), and the Swedish Financial Supervisory Authority (FSA) still viewed Carnegie as solvent. Between October 27 and 28, the Riksbank lent Carnegie 2.4 billion Swedish kronor (SEK). As collateral for the loan, Carnegie and its holding company, D. Carnegie & Co. AB (D. Carnegie), provided all shares and subsidiaries in Carnegie as well as all shares in a sister subsidiary under D. Carnegie, Max Matthiessen Holding AB (Max Matthiessen). On November 10, 2008, the FSA …

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Switzerland: Credit Suisse Emergency Liquidity Program, 2023, Jack French, Owen Heaphy, Steven Kelly

Journal of Financial Crises

Credit Suisse (CS) faced multiple challenges leading up to March 2023 including a significant outflow of client funds in the fourth quarter of 2022 and reputational loss resulting from a number of scandals in the preceding years. On Wednesday, March 15, 2023, shortly after two high-profile bank failures in the United States, a high-ranking official of the Saudi National Bank, a major shareholder, publicly said it would not provide any more capital for the company. Despite a joint statement from the Swiss National Bank (SNB) and the Swiss Financial Market Supervisory Authority (FINMA) that CS was in compliance with capital …

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Spain: Caja De Ahorros Castilla–La Mancha Emergency Liquidity Assistance, 2009, Vincient Arnold, Lakshimi Swaminathan

Journal of Financial Crises

Following years of rapid credit expansion in the real estate sector and reliance on wholesale funding between 2000 and 2008, Caja de Ahorros de Castilla–La Mancha (CCM) found itself on the brink of insolvency in early 2009. Normally, a Eurosystem bank in CCM’s position would turn to the European Central Bank (ECB) to obtain liquidity through its standing financing facilities, but CCM lacked eligible collateral to tap them. Consequently, in February 2009, the Bank of Spain (BoS) provided emergency liquidity assistance (ELA) of EUR 900 million to CCM, secured against CCM assets, to help meet its liquidity needs. In March, …

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Russia: Otkritie Emergency Liquidity Program, 2017, Benjamin Hoffner

Journal of Financial Crises

In July and August 2017, Otkritie Bank, Russia’s largest privately owned bank, experienced deposit runs related to concerns over Otkritie’s recent acquisitions, including a large, troubled bank and insurance company. The runs prompted Otkritie to heavily rely on the Central Bank of Russia’s (CBR’s) standing fixed-rate repurchase agreement (repo) facility to meet the outflow. By July, Otkritie had RUB 338.1 billion in outstanding repo loans from the CBR. As depositors continued to withdraw funds in August, the CBR provided Otkritie with an unsecured emergency loan of RUB 330 billion while Otkritie continued to borrow from the repo facility. On August …

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Moldova: Consortium Of Banks Emergency Liquidity Program, 2014, Vincient Arnold

Journal of Financial Crises

In the fall of 2014, a bank fraud involving illegal loans and transfers resulted in USD 1 billion being stolen from the government of Moldova, which amounted to more than an eighth of Moldova’s GDP. In September 2014, it became clear to the National Bank of Moldova (NBM) that the banks involved in the fraud—Banca de Economii, Banca Sociala, and Unibank—were deeply insolvent and had been hiding that fact from regulators. In late November, the NBM issued 9.4 billion Moldovan lei (MDL; USD 640 million) in emergency credit to the banks at an interest rate of 10 basis points against …

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Ad Hoc Emergency Liquidity Programs In The 21st Century, Steven Kelly, Vincient Arnold, Greg Feldberg, Andrew Metrick

Journal of Financial Crises

This paper surveys 22 case studies of 21st century instances when financial crisis-fighters implemented ad hoc emergency liquidity (AHEL) interventions, interventions designed to provide liquidity to a troubled institution that the authorities believe is systemically important. While emergency liquidity support is often introduced with the real or communicated intention of preventing illiquidity from leading to insolvency, the liquidity crisis should instead be viewed as the manifestation of the market’s assessing the firm as nonviable as a going concern. For that reason, authorities should provide AHEL assistance only to institutions that they have deemed viable or that they have committed to …

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Dental Board Of California, Isaiah Artis, Katie González

California Regulatory Law Reporter

No abstract provided.

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Board Of Pharmacy, Ariana Hussing, Katie González

California Regulatory Law Reporter

No abstract provided.

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Veterinary Medical Board, Isiah Artis, Katie González

California Regulatory Law Reporter

No abstract provided.

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Medical Board Of California, Byanca Hutchins, Katie González, Erol Kilic

California Regulatory Law Reporter

No abstract provided.

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Bureau Of Private Postsecondary Education, Caitlin D. Barón, Katie González

California Regulatory Law Reporter

No abstract provided.

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Department Of Insurance, Lisette Cruz, Erol Kilic

California Regulatory Law Reporter

No abstract provided.

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Full-Text Articles in Entire DC Network

The Year in Review

Life Sciences & Health Law, Adalberto López López, Yevgeniya Ocheretko, Carly M. Toepke, Arina Zadorozhna, José Alan Zamarripa Miramontes

The Year in Review

International Art And Cultural Heritage Law, Lois E. Wetzel, Jacqueline Chezar, David Bright, Kevin Ray

The Year in Review

The Year in Review

International Transportation Law, James Henry Bergeron, Attilio M. Costabel, Peng Xianwei, James Border, Jason Drouyor, Greg Maddaleni

The Year in Review

The Year in Review

Mexico, Kelsey Quigley, Christopher Munoz, Cesar Conde, John Walsh, Sara Maldonado, Judith Wilson, Pedro Fernando González Maldonado, Estefania Díaz González, Bruce Greenberg, Mariano Carrizo, Karen Andrea Ortega Cajiga, Vanessa Romero-Rocha, Susan Burns, Rene Alva, Ernesto Velarde

The Year in Review

Canada, Jordan Goodman, Jeremiah Kopp, Julia Webster, Sam Levy, Jacob Mantle, Ashley Paterson, Tim Heneghan, Ramneet Sierra, H. Scott Fairley, Margarita Dvorkina, Adam Mauntah, Jacqueline Bart, Daniel O.W. Smith

The Year in Review

Front Matter

The Year in Review

Elder Fraud Metrics And Preventative Measures Of Chesapeake, Virginia, Joey J. Whitmore Jr.

Cybersecurity Undergraduate Research Showcase

Human Trafficking In Idaho: A Growing Issue And How Idaho Law Can Be More Effective, Blaykleigh Smythe

Idaho Law Review

We Can Protect The “Waters Of The United States” As Long As They Stay Out Of The Hydrological Cycle, Victoria Sutton

Idaho Law Review

Stress And Public Criminal Defense: Comparing Male And Female Defender Experiences And Coping Strategies, Alisa M. Smith

Idaho Law Review

Lessons Learned: Fabrizio López-Gallo, Mercedes Cardona

Journal of Financial Crises

Eliminating Discount Window Stigma: What Can We Learn From Abroad?, Susan Mclaughlin

Journal of Financial Crises

United States: First Republic Bank Emergency Liquidity Program, 2023, Salil Gupta, Jack French, Steven Kelly

Journal of Financial Crises

United States: Citigroup Emergency Liquidity Program, 2008, Vincient Arnold

Journal of Financial Crises

United States: Bear Stearns Emergency Liquidity Assistance, 2008, Vincient Arnold

Journal of Financial Crises

Sweden: Carnegie Investment Bank Ab Emergency Liquidity Program, 2008, Sophia Alden, Jack French

Journal of Financial Crises

Switzerland: Credit Suisse Emergency Liquidity Program, 2023, Jack French, Owen Heaphy, Steven Kelly

Journal of Financial Crises

Spain: Caja De Ahorros Castilla–La Mancha Emergency Liquidity Assistance, 2009, Vincient Arnold, Lakshimi Swaminathan

Journal of Financial Crises

Russia: Otkritie Emergency Liquidity Program, 2017, Benjamin Hoffner

Journal of Financial Crises

Moldova: Consortium Of Banks Emergency Liquidity Program, 2014, Vincient Arnold

Journal of Financial Crises

Ad Hoc Emergency Liquidity Programs In The 21st Century, Steven Kelly, Vincient Arnold, Greg Feldberg, Andrew Metrick

Journal of Financial Crises

Dental Board Of California, Isaiah Artis, Katie González

California Regulatory Law Reporter

Board Of Pharmacy, Ariana Hussing, Katie González

California Regulatory Law Reporter

Veterinary Medical Board, Isiah Artis, Katie González

California Regulatory Law Reporter

Medical Board Of California, Byanca Hutchins, Katie González, Erol Kilic

California Regulatory Law Reporter

Bureau Of Private Postsecondary Education, Caitlin D. Barón, Katie González

California Regulatory Law Reporter

Department Of Insurance, Lisette Cruz, Erol Kilic

California Regulatory Law Reporter