Digital Commons Network^™

The Regulation Of Consumer Financial Products: An Introductory Essay With A Case Study On Payday Lending, John Y. Campbell, Howell E. Jackson, Brigitte C. Madrian, Peter Tufano

Faculty Publications

The recent financial crisis has led many to question how well businesses deliver consumer financial services and how well regulatory institutions address problems in consumer financial markets. In response, the Obama administration has proposed creating a new Consumer Financial Protection Agency. Other regulatory reforms have been advanced, and in some cases adopted, in recent years, at both the federal and state level. In this paper, we provide an overview of consumer financial markets, detailing the purposes they serve, the extent to which they suffer from market failures or other deficiencies, and how they are currently regulated. To illustrate our analytical …

Unethical Behavior In The Name Of The Company: The Moderating Effect Of Organizational Identification And Positive Reciprocity Beliefs On Unethical Pro-Organizational Behavior, Elizabeth E. Umpress, John B. Bingham, Marie S. Mitchell

Faculty Publications

We examined the relationship between organizational identification and unethical pro-organizational behavior (UPB)—unethical behaviors conducted by employees to potentially benefit the organization. We predicted that organizational identification would be positively related to UPB and that positive reciprocity beliefs would moderate and strengthen this relationship. The results from 2 field studies support the interaction effect and show that individuals who strongly identify with their organization are more likely to engage in UPB when they hold strong positive reciprocity beliefs. Given the nature of reciprocity, our findings may suggest that highly identified employees who hold strong reciprocity beliefs may conduct UPB with an …

More Parents, More Money: Reflections On The Financial Implications Of Multiple Parentage, Melanie B. Jacobs

Cardozo Journal of Equal Rights & Social Justice

The article explores the financial implications of recognizing multiple legal parents, advocating for a legal framework that adapts to evolving family structures, including those involving assisted reproductive technologies (ART) and non-traditional parenting arrangements. It argues that courts should recognize more than two legal parents and develop a flexible system to allocate financial responsibilities, such as child support and inheritance, in a way that prioritizes the best interests of the child while accounting for the roles and intentions of all parties involved.

"Cover My Pills": Contraceptive Equity And Religious Liberty In Catholic Charities V. Dinallo, Ayelet S. Lebovicz

Cardozo Journal of Equal Rights & Social Justice

The note  examines the tension between the New York Womens Health and Wellness Act's (WHWA) goal of promoting women's health through contraceptive access and its burden on the First Amendment rights of religious employers. It argues that while the WHWA advances significant public health interests, its contraceptive mandate imposes substantial burdens on religious freedom and free speech, necessitating strict scrutiny. The analysis critiques the New York Court of Appeals' decision for failing to fully consider the plaintiffs' hybrid-rights claims under Supreme Court precedent, highlighting the need for lawmakers to balance competing interests while adhering to constitutional protections.

Informed Choices And Uniform Decisions: Adopting The Aba's Self-Enforcing Administrative Model To Ensure Successful Surrogacy Arrangements, Christine Metteer Lorillard

Cardozo Journal of Equal Rights & Social Justice

Non-traditional families are on the rise in America today, with more and more same-sex couples raising families together. Yet, all same-sex partners seeking to become parents must make use of some assisted reproductive technique ("ART'), as must some heterosexual married couples. Despite the growing number of people who want to create families, including those that resort to ARTs to have genetically-related children, there are significant moral, economic, and legal obstacles in their way. What has long been needed is a codified roadmap for a successful surrogacy agreement that delineates the rights and obligations of the parties involved, as well as …

Second Class Citizens: The Case Against Unequal Military Healthcare Benefits For Puerto Rican Veterans, Mónica Matos-Desa

Cardozo Journal of Equal Rights & Social Justice

The note argues that Puerto Rican veterans and their families face unequal treatment under the TRICARE healthcare system due to Puerto Rico's status as an unincorporated territory. This inequality stems from historical legal frameworks that have perpetuated the notion of Puerto Ricans as second-class citizens, despite their significant contributions to the U.S. military. The note advocates for legislative changes to extend equal TRICARE Prime benefits to Puerto Rico, ensuring first-class citizenship for its residents.

Annotated Legal Bibliography On Gender

Cardozo Journal of Equal Rights & Social Justice

No abstract provided.

In The Manner Prescribed By The State: Potential Challenges To State-Enforced Hospital Limitations On Childbirth Options, Krista Stone-Manista

Cardozo Journal of Equal Rights & Social Justice

The article argues that hospital bans on vaginal births after cesarean (VBAC) infringe upon women's legal and constitutional rights, violating principles of autonomy and equality. These bans are not only medically unnecessary but also undermine international human rights standards that protect women's decisional autonomy in healthcare. The analysis posits that such bans discriminate against women and set a dangerous precedent for state and medical control over women's bodies during pregnancy.

Security Council Resolution 1820: An Imperfect But Necessary Resolution To Protect Civilians From Rape In War Zones, Melissa Goldenberg Goldstoff

Cardozo Journal of Equal Rights & Social Justice

The note examines the significance and limitations of UN Security Council Resolution 1820, which recognizes rape as a war crime and a threat to international security. While the Resolution is a crucial step forward in protecting women during armed conflicts, it is argued to be imperfect due to its incomplete implementation mechanisms and potential to undermine earlier resolutions like Resolution 1325, which emphasizes women's roles in peace-building.

Smacking Lesson: How The Council Of Europe's Ban On Corporal Punishment Could Serve As A Model For The United States, Timothy John Nolen

Cardozo Journal of Equal Rights & Social Justice

The note advocates for the United States to adopt a model similar to the Council of Europe, allowing states to ban corporal punishment while respecting federalism. It highlights the negative effects of corporal punishment and the need for a comprehensive ban, drawing on international legal standards and empirical evidence.

Barriers To Financing: Is European Union Indirect Discrimination Law The Answer For Female Entrepreneurs?, Adam G. Panopoulos

Cardozo Journal of Equal Rights & Social Justice

The note explores whether European Union indirect discrimination law, particularly Directive 2004/113/EC, can address the barriers female entrepreneurs face in accessing financing. It examines the application of indirect discrimination principles to financial services, analyzing ECJ case law and advocating for the integration of gender mainstreaming to enhance gender equality in entrepreneurship.

Sacred: Religion, Sexuality, And The Law

Cardozo Journal of Equal Rights & Social Justice

Symposium: Sacred: Religion, Sexuality, and the Law (February 9, 2010)

Annotated Legal Bibliography On Gender

Cardozo Journal of Equal Rights & Social Justice

No abstract provided.

Drawing Bisexuality Back Into The Picture: How Bisexuality Fits Into Lgbt Legal Strategy Ten Years After Bisexual Erasure, Heron Greenesmith

Cardozo Journal of Equal Rights & Social Justice

The article argues that bisexuality remains legally invisible, both in legal culture and jurisprudence, due to its inherent complexity and the reliance of legal arguments on a binary understanding of sexual orientation. It extends Kenji Yoshino's theory of bisexual erasure into the legal context, proposing that bisexuality is not just socially invisible but also legally inconspicuous. The analysis focuses on two main hypotheses: first, that bisexuality is inherently invisible to the law beyond deliberate erasure, and second, that where bisexuality is legally relevant, it complicates legal arguments that depend on the binary of sexuality. The article concludes by advocating for …

What Went Wrong? Why Family Preservation Programs Failed To Achieve Their Potential, Steven M. Cytryn

Cardozo Journal of Equal Rights & Social Justice

The failure of family preservation programs in the child welfare system stems from structural and legal shortcomings, including inadequate funding, unclear guidelines, and insufficient oversight. These issues, compounded by the Supreme Court's Suter v. Artist M. decision, which undermined the enforceability of the "reasonable efforts" standard, have led to inconsistent implementation and reduced accountability. To address these challenges, the article advocates for reforms such as aligning funding incentives with family preservation goals, establishing clear program standards, and distinguishing between neglect caused by poverty and other forms of maltreatment. By implementing these changes, the child welfare system can better support families …

Annotated Legal Bibliography On Gender

Cardozo Journal of Equal Rights & Social Justice

No abstract provided.

Copyright And Education: Lessons On African Copyright And Access To Knowledge, Tobias Schonwetter, Jeremy De Beer, Dick Kawooya, Achal Prabhala

Faculty Publications

The African Copyright and Access to Knowledge (ACA2K) project is a pan-African research network of academics and researchers from law, economics and the information sciences, spanning Egypt, Ghana, Kenya, Morocco, Mozambique, Senegal, South Africa and Uganda. Research conducted by the project was designed to investigate the extent to which copyright is fulfilling its objective of facilitating access to knowledge, and learning materials in particular, in the study countries. The hypotheses tested during the course of research were that: (a) the copyright environments in study countries are not maximising access to learning materials, and (b) the copyright environments in study countries …

The Doctrinal Side Of Majority Will, Corinna Barrett Lain

Law Faculty Publications

What is the Supreme Court's relationship with public opinion? Barry Friedman's answer in The Will of the People scours some 200 years of history to provide a distinctly political view of the Court, and the story he tells is compelling. Yet it is also incomplete. The Will of the People presents a largely external account of the law; it sees the influence of majority will as a force that moves outside the jurisprudence we lawyers spend so much of our time researching, writing, and talking about. By this account, there is what the Justices say is driving their decisionmaking-legal …

Resurrecting The Promise Of Brown: Understanding And Remedying How The Supreme Court Reconstitutionalized Segregated Schools, Kimberly J. Robinson

Law Faculty Publications

The Supreme Court's decision in Brown v. Board of Education held that separate educational facilities were "inherently unequal." After tolerating substantial delay and evasion of the requirements of Brown, the Court eventually required school districts to dismantle the dual systems by eliminating all traces of separate schools and creating integrated schools. In contrast to numerous scholars that have contended that many of the Court's later school desegregation decisions withdrew from or grew weary of school desegregation, this Article argues that the effect of many of the Court's leading school desegregation decisions was to reconstitutionalize segregated schools. Furthermore, the Court's …

Movement Patterns And Population Genetics Of The American Horseshoe Crab In Relation To Long Island Sound Conservation Strategies, Jo-Marie Kasinak, Kirk A. Bartholomew, Mark Beekey, Jennifer Mattei

Biology Faculty Publications

The Connecticut Department of Environmental Protection (CTDEP) established three no-harvest zones for the horseshoe crab (Limulus polyphemus) population as part of a conservation plan for the species. Data from a long-term mark/recapture study of horseshoe crabs in conjunction with a microsatellite-based genetic survey of the population were analyzed to determine if this plan was appropriate to conserve genetic diversity and broaden our knowledge of movement patterns of Limulus in Long Island Sound (LIS). To date, ~53,000 crabs have been tagged over a 10 year period through the Project Limulus program with an annual average recapture rate of 12 …

Fourth Circuit Judicial Appointments, Carl W. Tobias

Law Faculty Publications

Fourth Circuit judicial selection deserves an examination, which this Article undertakes. The first part investigates the background of the Fourth Circuit appointments process, emphasizing relevant developments throughout the Bush Administration. The second part descriptively and critically assesses nomination and confirmation in the Obama Administration. The third part derives lessons from the Fourth Circuit selection efforts by comparing them with Obama's national selection efforts and processes in other administrations. For example, all four Obama nominees are ethnic minorities or women and were sitting judges when nominated, and one is younger than fifty-five. Accordingly, their confirmation increases the appeals court's ethnic and …

A Preliminary Study: Body Dysmorphic Disorder In Division I Women’S Collegiate Soccer Players, Tammy D. Jones

Department of Educational Administration: Dissertations, Theses, and Student Research

The prevalence of Body Dysmorphic Disorder (BDD) among collegiate athletes has not been clearly determined. The purpose of this study was to determine if there are symptoms of body dysmorphic disorder found in Division I women’s soccer players. The researcher hypothesized that there would be some symptoms found within the participants of sport and that there was a need to research this area further.

The study consisted of four participants who participated in semi-structured interviews. The subjects were asked a series of questions from the Yale-Brown Obsessive Compulsive Scale Modified for Body Dysmorphic Disorder (BDD-YBOCS) to determine if they indicated …

Quantitative Comparison And Modeling Of Urban Storm Water Mass Loadings In The City Of Lincoln, Nebraska, Patrick R. Hartman

Department of Civil and Environmental Engineering: Dissertations, Theses, and Student Research

The main goal of this study is to monitor, and then compare results related to the water quality and mass loadings of several constituents at two sites in Lincoln, Nebraska. Differences in water quality were assessed using matched-pair t-tests. Mass loadings were examined using cumulative mass plots, and a predictive model for total suspended solids (TSS) was developed at both sites using real-time data obtained from a USGS data probe. Statistical comparison tests were conducted on the collected water quality data to detect differences based on sample type (auto vs. grab) and sample location (Taylor Park vs. Colonial Hills) for …

Native Daughters, Christina Devries, Jordan Pascale, Shannon Smith, Katie Stearns, Carson Vaughan, Molly Young, Clay Lomneth, Alan Eno, Astrid Munn, Matt Buxton, Judi M. Gaiashkibos, Shannon Smith, Hannah Peterson, Elizabeth Gamez, Maggie Liggett, Katie Stearns, Natasha Richardson, Johnna Hjersman, Krista Vogel, Elizabeth Gasaway, Charlie Pfister, Matt Buxton, Anthony Troester, Christine Lesiak, Scott Winter, John Wunder, Joe Starita, Princella Parker, Nancy Kelsey

College of Journalism and Mass Communications: Student Media

For almost two years, Nebraska’s College of Journalism and Mass Communications has benefited from this perfect storm, riding a project wave dedicated to a singular idea: You can’t really understand American history without understanding Native American history. And you can’t understand Native American history without understanding the critical role Native women have played in defining, enriching and protecting that history. Underwritten by a $125,000 Carnegie Foundation grant, this journalism project is intended to substantially raise the profile of Native Daughters. To that end, the college enrolled two dozen of its best and brightest students – reporters, photographers, videographers, Web masters, …

Displaced: Stories Of Struggle In South Africa, Sarah Bryant, Shannon Lauber, Christina Devries, Jenna Gibson, Logan Meier, Anna Mostek, Kate Veik, Chris Slaughter, Vanessa Skocz, Chelsey Manhart, Bruce Thorson, Charlie Mitchell

College of Journalism and Mass Communications: Student Media

In June 2008, a group from the University of Nebraska-Lincoln — two advisers, seven student photographers, two student reporters and one student videographer — traveled to South Africa for 18 days. Their project, which had been in the making for the previous six months, focused on documenting immigration issues in South Africa. Howard Buffett, a documentary photographer, funded the trip, which was a partnership involving UNL, Arizona State University and the University of the Witwatersrand in Johannesburg. The group arrived in South Africa amidst the aftermath of xenophobic violence that tore through the country in the several weeks leading up …

The Globin Gene Family Of The Cephalochordate Amphioxus: Implications For Chordate Globin Evolution, Bettina Ebner, Georgia Panopoulou, Serge N. Vinogradov, Laurent Kiger, Michael C. Marden, Thorsten Burmester, Thomas Hankeln

Wayne State University Associated BioMed Central Scholarship

Abstract

Background

The lancelet amphioxus (Cephalochordata) is a close relative of vertebrates and thus may enhance our understanding of vertebrate gene and genome evolution. In this context, the globins are one of the best studied models for gene family evolution. Previous biochemical studies have demonstrated the presence of an intracellular globin in notochord tissue and myotome of amphioxus, but the corresponding gene has not yet been identified. Genomic resources of Branchiostoma floridae now facilitate the identification, experimental confirmation and molecular evolutionary analysis of its globin gene repertoire.

Results

We show that B. floridae harbors at least fifteen paralogous globin genes, …

Hepatic Failure, Neonatal Hemochromatosis And Porto-Pulmonary Hypertension In A Newborn With Trisomy 21 - A Case Report, Erin Neil, Josef Cortez, Aparna Joshi, Erawati V. Bawle, Janet Poulik, Mark Zilberman, Mohammad F. El-Baba, Beena G. Sood

Wayne State University Associated BioMed Central Scholarship

Abstract

Liver failure in neonates is a rare but often fatal disease. Trisomy 21 is not usually associated with significant infantile liver disease. If present, hepatic dysfunction in an infant with Trisomy 21 is likely to be attributed to transient myeloproliferative disorder with hepatic infiltration by hematopoietic elements and may be associated with secondary hemosiderosis. A less commonly recognized cause of liver failure in neonates with Trisomy 21 is neonatal hemochromatosis (NH); this association has been reported in nine cases of Trisomy 21 in literature. NH is a rare, severe liver disease of intra-uterine onset that is characterized by neonatal …

Mapping Haplotype-Haplotype Interactions With Adaptive Lasso, Ming Li, Roberto Romero, Wenjiang J. Fu, Yuehua Cui

Wayne State University Associated BioMed Central Scholarship

Abstract

Background

The genetic etiology of complex diseases in human has been commonly viewed as a complex process involving both genetic and environmental factors functioning in a complicated manner. Quite often the interactions among genetic variants play major roles in determining the susceptibility of an individual to a particular disease. Statistical methods for modeling interactions underlying complex diseases between single genetic variants (e.g. single nucleotide polymorphisms or SNPs) have been extensively studied. Recently, haplotype-based analysis has gained its popularity among genetic association studies. When multiple sequence or haplotype interactions are involved in determining an individual's susceptibility to a disease, it …

Novel Cis-Trans Interactions Are Involved In Post-Transcriptional Regulation Of Cyclin-Dependent Kinase Inhibitor P21Waf1/Cip1 Mrna, Liyue Zhang, Anil Wali, Joseph A. Fontana, Marcia I. Dawson, Arun K. Rishi

Wayne State University Associated BioMed Central Scholarship

Abstract

Background

A variety of pathways target CDKI p21^WAF1/CIP1 expression at transcriptional, post-transcriptional as well as translational levels. We previously found that cell growth suppressing retinoid CD437 enhanced expression of p21^WAF1/CIP1 and DNA damage inducible GADD45 proteins in part by elevating their mRNA stability.

Results

Here, we investigated molecular mechanisms of CD437-dependent post-transcriptional regulation of p21^WAF1/CIP1 expression. By utilizing MDA-MB-468 HBC cells expressing chimeric rabbit β-globin-p21^WAF1/CIP1 transcripts we mapped multiple CD437-responsive sequences located within positions 1195 to 1795 of the 3'-untranslated region of p21^WAF1/CIP1 mRNA. Several cytoplasmic proteins present in MDA-MB-468, MCF-7 HBC as well …

Comparison Of Mitotic Cell Death By Chromosome Fragmentation To Premature Chromosome Condensation, Joshua B. Stevens, Batoul Y. Abdallah, Sarah M. Regan, Guo Liu, Steven W. Bremer, Christine J. Ye, Henry H. Heng

Wayne State University Associated BioMed Central Scholarship

Abstract

Mitotic cell death is an important form of cell death, particularly in cancer. Chromosome fragmentation is a major form of mitotic cell death which is identifiable during common cytogenetic analysis by its unique phenotype of progressively degraded chromosomes. This morphology however, can appear similar to the morphology of premature chromosome condensation (PCC) and thus, PCC has been at times confused with chromosome fragmentation. In this analysis the phenomena of chromosome fragmentation and PCC are reviewed and their similarities and differences are discussed in order to facilitate differentiation of the similar morphologies. Furthermore, chromosome pulverization, which has been used almost …