Digital Commons Network^™

Reimagining Compliance: Explainable Ai Models For Financial Regulatory Audits, Hrishikesh Desai

Faculty Publications

This chapter develops an analytical model for Explainable AI (XAI) designed to support major types of banking regulatory compliance audits. Financial institutions increasingly rely on AI for efficiency in compliance tasks, but the opacity of complex models creates challenges in meeting regulatory transparency requirements. The proposed mathematical framework incorporates explainability as a quantifiable constraint in the optimization of AI models across five critical audit categories: CAMELS examinations, BSA/AML compliance, Consumer Compliance, IT Audits, and Internal Audits. By quantifying explainability through information- theoretic measures and Shapley values, the model balances predictive performance with regulatory requirements. The methodology is validated through a …

Flood Risk And Mitigation Calculator Tool To Support Decision-Making For Enhancing Community Resilience: A Case Study Of The U.S.A. Gulf Coastal Region, Rubayet Bin Mostafiz, Ayat Al Assi, Arash Taghinezhad, Carol J. Friedland, Robert V. Rohli, Md Adilur Rahim, Christopher T. Emrich, Melanie Gall, Eric Johnson

Faculty Publications

Real-estate websites make it easy to find and access information about a home. Information on property value, square footage, number of rooms, quality of schools, crime rates, and more is readily available. Some of these platforms have begun integrating climate-related risks in generic ways. However, this information provides limited if any actionable value and is unlikely to guide people’s decision-making on buying or renting a home, deciding where to vacation, or investing in a property. Making residents aware of the natural hazard risks to which their homes may be exposed is an important component of making communities more resilient. Both …

Trajectory Of Coastal Wetland Soil Physical And Microbial Properties 6+ Years After Thin Layer Placement Sediment Amendment, Jacob Z. Cheng, Jacob F. Berkowitz, John R. White

Faculty Publications

The intentional thin layer placement (TLP) of dredged sediment is an increasingly popular approach to maintaining marsh elevation and restoring degraded marshes, which can improve conditions for vegetation establishment. Prior TLP restoration projects, assessed shortly after construction, evaluated soil, hydrology, plant, and faunal responses. However, few long-term studies (>3 yrs) investigate TLP-induced shifts in soil properties and especially properties related to biogeochemical cycling. In response, this study revisited a salt marsh 6+ years after TLP restoration and determined both soil physiochemical and microbial properties related to plant growth (nitrogen (N) mineralization) and water quality improvement (denitrification). Data were compared …

The Impact Of Seasonal Hydrological Disturbances On The Presence And Formation Of Toxic Cyanobacteria Blooms In Coastal Louisiana, Courtney Nicole Hammond, Sibel Bargu, Caitlin R.R. Turner, Matthew Hiatt, John R. White

Faculty Publications

Estuaries in the Gulf, especially Lake Pontchartrain Estuary in southeastern Louisiana, USA, are experiencing significant changes due to climate change and coastal restoration efforts. Lake Pontchartrain Estuary receives nutrient-rich Mississippi River water through a controlled diversion called Bonnet Carré Spillway (BCS), which has been associated with toxic cyanobacterial blooms (cyanoHABs). This study examines the seasonal factors influencing cyanoHABs in the Lake Pontchartrain Estuary when the BCS is closed, addressing gaps in the understanding of HABs related to other physical drivers. Field samples collected in 2021, during the closure of the spillway, revealed significant evidence of seasonal variations in cyanoHAB formation. …

A Silence After Slaughter-House: Nineteenth-Century State Constitutional Substantive Rights, Liberties, And Privileges, Charles W. "Rocky" Rhodes

Faculty Publications

In rejecting federal constitutional challenges to the Louisiana legislature’s exclusive butchering grant in the Slaughter-House Cases, the United States Supreme Court opined that it was the states’ obligation to protect fundamental privileges, such as rights to acquire and possess property, engage in trade and commerce, and pursue happiness, subject only to those restraints necessary for the public good. But the states met this charge with silence. State courts across the nation consistently parroted Slaughter-House’s reasoning, even while occasionally acknowledging the decision did not bind their interpretation of state constitutional provisions guaranteeing fundamental rights, liberties, privileges, and immunities. Although two states …

Evergreening's Empirical Chasm, Erika Lietzan

Faculty Publications

For more than two decades, policymakers have been told that pharmaceutical innovators companies engage in a practice that is called, disparagingly, “evergreening.” The basic idea is that companies introduce new versions of their drugs that have later expiring patents or regulatory exclusivity. This way, the claim goes, the companies effectively block generic entry for years or decades longer than Congress intended and than is socially desirable. Initially these claims were supported by poorly researched anecdotes. In the last decade, some scholars and advocacy organizations have published papers that purport to provide empirical support for the “evergreening” accusation. But these empirical …

Tax Base Diversification As An Enforcement Tool, David Gamage, Brian Galle, Yulia Kuchumova

Faculty Publications

We examine when it is optimal to employ sales or VAT-type taxes as complements to a labor income tax. We find a Ramsey-type result in which each tax instrument should be imposed in inverse proportion to the combined elasticity of real and avoidance responses to the respective tax. Contrary to some prior results, we find that sales-type taxes are optimally non-zero across a variety of settings, and in particular when the (weighted) elasticity of taxable income with respect to the wage tax is greater than the cross-elasticity of taxable income with respect to the sales tax. We argue this parameter …

303 Creative, Exclusive Private Enforcement, And Blue-State Revenge, Charles W. "Rocky" Rhodes, Howard W. Wasserman

Faculty Publications

Red states have made exclusive private enforcement schemes targeting locally unpopular but constitutionally protected conduct a cornerstone of culture-war legal strategy. Laws such the Texas Heartbeat Act (“S.B. 8”) in 2021 and anti-“WOKE” laws forego public enforcement in favor of private enforcement; this precludes federal rights-holders from vindicating their rights through pre-enforcement offensive litigation in federal court against the government or government officials responsible for enforcing the law. This threatens rights-holders with defending a state-court wave of costly and burdensome litigation to adjudicate the law’s constitutional validity.

Blue states and liberal scholars and advocates have sought a progressive counterpart targeting …

Abuse Of Contract: Boilerplate Erasure Of Consumer Counterparty Rights, Andrea Boyack

Faculty Publications

Contract law and the new Restatement of the Law of Consumer Contracts generally treats the entirety of a company’s boilerplate as presumptively binding. Entrusting the content of consumer contracts to companies creates a fertile legal habitat for abuse through boilerplate design.

There is no consensus on how widespread or severe abuse of contract is. Some consumer law scholars have warned of dangers inherent in granting companies unrestrained power to sneak waivers into their online terms, but others contend that market forces adequately constrain potential abuse. On the other hand, in the absence of adequate consumer knowledge and power, market competition …

The Efficacy And Usability Of Motivational Interviewing Just-In-Time Trainings For Youth Mentors, Mackenzie J. Hart, Samuel D. Mcquillin, Aidyn Iachini Ph.D., Msw, Lsw, Daniel K. Cooper, Mark D. Weist

Faculty Publications

Using youth mentors to deliver evidence-based psychosocial services has been proposed to increase the reach of treatments, in part given the affordability and ubiquity of mentors in youth settings. Further, tests of mentor-delivered motivational interviewing (MI) have shown increases in youth mentees' academic performance and wellbeing. Yet, traditional methods of training mentors to use MI can be costly and time-consuming. Previous work has suggested the value of asynchronous, brief, just-in-time training (JITT) to help offset these challenges; however, MI JITT for mentors has not yet been formally evaluated. As such, here, we report on a preliminary study of MI JITT …

The Identity Factor, Jessica Feinberg

Faculty Publications

Identity development is one of the most important processes that occur during childhood. For certain populations of children, such as those who are LGBTQ+ or multiracial, the path to healthy identity development is substantially more complicated. These children must navigate the development of their identities while existing in a world in which they will frequently encounter a lack of societal understanding and acceptance. Children within these populations face elevated risks of short- and long-term harms, including suicidal ideation, depression, substance abuse, and low self-esteem. As a result, it is critically important that LGBTQ+ and multiracial youth receive support in developing …

Reflections On The Importance Of Critical Theory To Teaching Environmental Law, Sean Kammer

Faculty Publications

The freedom of students to learn about critical approaches to understanding their world is under sustained political attack. In this time of increasing environmental peril and political dysfunction, Professor Sean M. Kammer reflects upon the importance of critical theory (including Critical Race Theory) to understanding—and ultimately redressing—the related problems of resource scarcity and environmental degradation. While these problems can surely be described in terms of “economic inefficiencies” or “ecological disturbances,” as they most often are, they must also be understood (and taught) as problems of colonial exploitation and violence. For example, one cannot understand Justice John Marshall’s discovery doctrine or …

International Society Of Sports Nutrition Position Stand: Nutritional Concerns Of The Female Athlete, Ralf Jäger, Jeffery L. Heileson, Sidney Abou Sawan, Broderick L. Dickerson, Megan Leonard, Richard B. Kreider, Chad M. Kerksick, Stephen M. Cornish, Darren G. Candow, Dean M. Cordingley, Scott C. Forbes, Grant M. Tinsley, Tindaro Bongiovanni, Roberto Cannataro, Bill I. Campbell, Shawn M. Arent Ph.D., Cscs*D, Fissn, Facsm, Fnak, Jeffrey R. Stout, Douglas S. Kalman, Jose Antonio

Faculty Publications

Position Statement: The International Society of Sports Nutrition (ISSN) presents this position based on a critical examination of the literature surrounding the effects of long-chain omega-3 polyunsaturated fatty acid (ω-3 PUFA) supplementation on exercise performance, recovery, and brain health. This position stand is intended to provide a scientific foundation for athletes, dietitians, trainers, and other practitioners regarding the effects of supplemental ω-3 PUFA in healthy and athletic populations. The following conclusions represent the official position of the ISSN: Athletes may be at a higher risk for ω-3 PUFA insufficiency. Diets rich in ω-3 PUFA, including supplements, are effective strategies for …

Common Questions And Misconceptions About Energy Drinks: What Does The Scientific Evidence Really Show?, Jose Antonio, Brandi Antonio, Shawn M. Arent Ph.D., Cscs*D, Fissn, Facsm, Fnak, Darren G. Candow, Guillermo Escalante, Cassandra Evans, Scott Forbes, David Fukuda, Maureen Gibbons, Patrick Harty, Andrew R. Jagim, Douglas S. Kalman, Chad M. Kerksick, Jennifer A. Kurtz, Joseph Lillis, Lonnie Lowery, Gianna F. Mastrofini, Scotty Mills, Michael Nelson, Flavia Pereira, Justin Roberts, Michael Sagner, Jeffrey Stout, Jaime Tartar, Adam Wells

Faculty Publications

Energy drinks are a commonly consumed beverage, and studies suggest a possible performance-enhancing effect. A Google Scholar search using the keywords “energy drinks” and “exercise” yields numerous results, underscoring the voluminous research on this topic. However, there are questions regarding the effectiveness and safety of energy drinks. These questions include, but are not limited to: (1) What are the main active ingredients in energy drinks? (2) Do energy drinks assist in weight management? (3) Do energy drinks enhance aerobic performance? (4) Do energy drinks enhance athletic speed? (5) Do energy drinks improve reaction time? (6) Do energy drinks enhance lean …

Electing The Supreme Court, Dmitry Bam

Faculty Publications

There is a curious irony in how we select United States Supreme Court justices. According to basic constitutional theory, as well as the arguments made by many leading Framers at the time of the Founding, one of the Court’s primary roles is to serve as a check on the executive and legislative branches when they exceed the constitutional limits imposed by the American people. Yet, we ask those very branches to jointly select the justices responsible for enforcing these limits, leaving the American people with only an indirect (if any) role in the process. Not surprisingly, the justices nominated by …

International Law And The Rise Of Populism, Shruti Rana, Peter G. Danchin, Jeremy Farrall, Jolyon Ford, Imogen Saunders

Faculty Publications

Contemporary legal scholarship seeks to diagnose populist antagonism towards national and international law and warn about the challenges it poses to the cooperation needed to respond to global threats. What this scholarship overlooks, however, is the role that major shifts in international legal normativity and conceptions of global governance have themselves played in incubating the conditions far the rise of populism. Against the prevailing literature, this Article argues that the key to unlocking this puzzle is recognition that populism, rather than constituting an external social pathology, is a mode of politics arising internal to the intellectual history and practice of …

When Is Discrimination Harmful?, Sandra F. Sperino

Faculty Publications

In Muldrow v. City of St. Louis, the Supreme Court held that Title VII does not require a plaintiff to establish material harm to prove employment discrimination. Instead, any action that is negative and affects a term, condition or privilege of employment is sufficient, if the employer took the action because of a protected trait.

At first glance, Muldrow appears to be a middling case focused on a technical aspect of discrimination law. This Article argues that Muldrow has the potential to be one of the most important modern discrimination cases. If taken to its natural conclusion it will …

Moore Questions, Some Answers: Fixing The Personal Tax System Despite Constitutional Constraints, David Gamage, John R. Brooks, Edward J. Mccaffery

Faculty Publications

Moore v United States was expected to rule on the constitutional necessity of the tax-law realization requirement originating from Eisner v Macomber, a potential impediment to progressive tax reform efforts aimed at shutting down the planning techniques of Buy Borrow Die. The various opinions in Moore, however, provided no definitive answer to this core question, instead leaving many more questions. Amid the lingering uncertainty, we argue that various responses to the problem of wealthy Americans’ not needing to pay any taxes remain possible after Moore. An incremental, “mix-and-match” approach to progressive tax reform may best suit the …

Church Autonomy, Textualism, And Originalism: Scotus's Use Of History To Give Definition To Church Autonomy Doctrine, Carl H. Esbeck

Faculty Publications

Church autonomy is a First Amendment doctrine altogether distinct from the more familiar causes of action brought under the Establishment Clause and the Free Exercise Clause. The principle of church autonomy was first recognized by the Supreme Court of the United States in the post-Civil War case Watson v. Jones, holding that civil courts must not be drawn into resolving religious questions or settling disputes over church polity. And early this century, in the unanimous decision Hosanna-Tabor Evangelical Lutheran Church & School v. EEOC, the theory of church autonomy took on its most fully developed form as a constitutional immunity …

Can Americans’ Trust In Local News Be Trusted? The Emergence, Sources, And Implications Of The Local News Trust Advantage, Erik Peterson, Joshua P. Darr, Maxwell B. Allamong, Michael Henderson

Faculty Publications

Despite eroding consensus about credible political news sources, much of the public still trusts local media. We assess the emergence, sources, and implications of the trust advantage local news holds over national media. We argue the public now uses a news outlet's local orientation as a shortcut to assess its credibility. In survey experiments, we find unfamiliar news outlets are trusted more when they have a local cue in their name. In surveys where people evaluate digital sources covering their community, this heuristic leads the public to trust unreliable information providers that signal a local focus more than high-quality sources …

Beyond Reoffending And Rearrest: Expanding The Collateral Consequences Of Formal Processing To Youth Homelessness, Natasha Chlebuch, Jennifer Paruk, Caitlin Cavanagh, Paul J. Frick, Laurence Steinberg, Elizabeth Cauffman

Faculty Publications

There is robust evidence that juvenile justice contact during formative years is associated with deleterious outcomes. The effect of juvenile court intervention on youth homelessness, however, has received scant empirical attention despite evidence that many justice-involved youth are represented in the unhoused youth and adult population. This study leverages data collected from the Crossroads Study (N = 1115), a longitudinal, multi-site study to explore the impact of formal processing on subsequent experiences with homelessness. This study found that even when accounting for the effect of detention and other factors associated with youth homelessness, youth who were formally processed were twice …

Alternative Theories Of Covid-19: Social Dimensions And Information Sources, Wesley Shrum, Paige Miller, Nana Osei Asiamah, Fangyue Zou

Faculty Publications

While scientific understanding of the COVID-19 pandemic increased, conspiracy theories undermined the foundations of public health policy, making it significantly more difficult both to discuss and to implement. Popular alternative narratives include the claim that government was using restrictions to control people's behavior, and that the pandemic was caused by 5G cellular technology. We examine the extent to which alternative beliefs were associated with sociodemographic characteristics and the sources through which people acquired information during the pandemic. Our analysis uses a demographically balanced online survey of 10,022 participants from 50 US states, collected during August of 2021. Results indicate that …

Book Challenges And Censorship Attempts In Louisiana: A Case Study, Jennifer E. Steele

Faculty Publications

Book challenges and censorship have long played a significant role in the cultural and educational landscapes of the United States. In recent years, Louisiana has become a focal point in national conversations about intellectual freedom, public and school library governance, parental rights, and the political pressures surrounding children and young adult literature. This dynamic environment has led to significant debates about what materials should be accessible to young people, how libraries should be managed, and what role the state and local governments should play in determining the availability of information. The rise in book challenges across Louisiana reflects national trends …

A Review Of Flood Mitigation Benefit-Cost Analyses’ Inclusiveness Of Environmental Watershed Effects And Environmental Vulnerability: Gaps In Progress Towards More Resilient Flood Hazard Decision-Making, Fahmida Akhter, Sapana Bastola, Jerrod Penn, Thomas Douthat

Faculty Publications

US and EU flood mitigation policy both incorporate considerations of costs and benefits, and in recent years have taken steps to encourage accounting for positive and negative effects on vulnerable populations, broader non-market environmental impacts, and downstream effects beyond the target area of projects of flood mitigation projects. This work highlights the extent to which previous academic flood mitigation Benefit-Cost Analyses (BCA) papers have comprehensively considered such project effects. We do so through a systematic, PRISMA-style, review of BCA literature in the broader field of flood hazard mitigation and resilience decision-making. Our results suggest 1) most projects focus on monetizing …

Bioagricorridors: Uban Ecosystem Networks To Enhance Biological Diversity, Ecosystem Services And Food Production In Barcelona, Spain, Fabio Capra-Ribeiro, Filippo Vegezzi

Faculty Publications

Urbanisation and environmental degradation pose significant challenges to biodiversity, ecosystem services, and food pro- duction. The Bioagricorridors strategy addresses this by inte- grating agroecology in the urban environment, emphasising the continuity principle to connect diverse ecosystems through green infrastructure. Employing a mapping strategy, bioagricorridors bridge theory and space, using maps as communication tools and deep mapping to explore multi-layered, digital cartographic representations. This approach aids in addressing pressing urban conditions, enhancing genetic diversity, and improving soil and water quality. The exploration uses Barcelona as a case study, a city marked by historical urban planning shifts and landscape fragmentation. Taking into …

Challenges In Combating Climate Change: Lessons From Latin American And Caribbean Case Studies, Fabio Capra-Ribeiro

Faculty Publications

Climate change presents a complex global threat, particularly in Latin America and the Caribbean, where the impacts are severe, yet the region also showcases innovative approaches to face these issues. This study systematically analyzes the challenges faced by urban sustainability projects in the region, drawing insights from 35 case studies in the Urban Sustainability Exchange (USE) database. The primary objective is to identify shared challenges in implementing climate action initiatives, offering valuable lessons for future projects. Challenges were categorized into 14 themes, with issues related to collaboration and communication emerging as the most frequent. Other significant challenges included infrastructure limitations, …

A Systematic Review Of Environmentally Persistent Free Radical (Epfr) Formation, Characteristics, And Health Effects: Are There Sufficient Data For Risk Assessment?, Avinash Kumar, Divine Nde, Chuqi Guo, Rashmi Pathak, Fox Foley, Syed Ahmad, Prakash Dangal, Farhana Hasan, Myron Lard, Ankit Aryal, Martine E. Mathieu-Campbell, Jennifer Irving, Oluwafeyikemi Ogunmusi, Jennifer Richmond-Bryant, Slawomir Lomnicki, Lavrent Khachatryan, Stephania A. Cormier, Tammy R. Dugas

Faculty Publications

Environmentally persistent free radicals (EPFRs) are stable free radicals formed on particulate matter (PM) through processes such as combustion and pyrolysis. These free radicals are generated on transition metal oxide surfaces in the presence of aromatic precursors. Exposure to EPFRs occurs primarily via inhalation of PM deriving from combustion, traffic, industrial activities, and both indoor and outdoor burning. Other environmental factors that might generate EPFRs are radon, electronic and tobacco cigarettes. EPFRs exhibit unexpectedly long half-lives, ranging from several weeks to, in some cases, several years. EPFRs may be carbon-centered, oxygen-centered or mixed, identified by g-values exhibited in electron paramagnetic …

Playing Politics With Traffic Fines: Sheriff Elections And Political Cycles In Traffic Fines Revenue, Min Su, Christian Buerger

Faculty Publications

The political budget cycle theory has extensively documented how politicians manipulate policies during election years to gain an electoral advantage. This paper focuses on county sheriffs, crucial but often neglected local officials, and investigates their opportunistic political behavior during elections. Using a panel data set covering 57 California county governments over four election cycles, we find compelling evidence of traffic enforcement policy manipulation by county sheriffs during election years. Specifically, a county's per capita traffic fines revenue is 9% lower in the election than in nonelection years. The magnitude of the political cycle intensifies when an election is competitive. Our …

Exercise And Nutrition To Improve Cancer Treatment-Related Outcomes (Enicto), Kathryn H. Schmitz, Justin C. Brown, Melinda L. Irwin, Kim Robien, Jessica M. Scott, Nathan A. Berger, Bette Caan, Andrea Cercek, Tracy E. Crane, Scott R. Evans, Jennifer A. Ligibel, Jeffrey A. Meyerhardt, Tanya Agurs-Collins, Karen Basen-Engquist, Jennifer W. Bea, Sheng F. Cai, Brenda Cartmel, Vernon M. Chinchilli, Wendy Demark-Wahnefried, Christina M. Dieli-Conwright, Loretta Dipietro, Shawna E. Doerksen, Sharon L. Edelstein, Joanne Elena, William Evans, Leah M. Ferrucci, Julia Foldi, Sarah Freylersythe, Helena Furberg, Lee W. Jones, Ross Levine, Chaya S. Moskowitz, Cynthia Owusu

Faculty Publications

Chemotherapy treatment-related side effects are common and increase the risk of suboptimal outcomes. Exercise interventions during cancer treatment improve self-reported physical functioning, fatigue, anxiety, and depression, but it is unclear whether these interventions improve important clinical outcomes, such as chemotherapy relative dose intensity. The National Cancer Institute funded the Exercise and Nutrition to Improve Cancer Treatment-Related Outcomes (ENICTO) Consortium to address this knowledge gap. This article describes the mechanisms hypothesized to underpin intervention effects on clinically relevant treatment outcomes, briefly outlines each project’s distinct research aims, summarizes the scope and organizational structure of ENICTO, and provides an overview of the …

Targeting Bacterial Transcription Factors For Infection Control: Opportunities And Challenges, Ahmed Al-Tohamy, Anne Grove

Faculty Publications

The rising threat of antibiotic resistance in pathogenic bacteria emphasizes the need for new therapeutic strategies. This review focuses on bacterial transcription factors (TFs), which play crucial roles in bacterial pathogenesis. We discuss the regulatory roles of these factors through examples, and we outline potential therapeutic strategies targeting bacterial TFs. Specifically, we discuss the use of small molecules to interfere with TF function and the development of transcription factor decoys, oligonucleotides that compete with promoters for TF binding. We also cover peptides that target the interaction between the bacterial TF and other factors, such as RNA polymerase, and the targeting …