Digital Commons Network^™

Big Business As Gun Control, David B. Kopel, George A. Mocsary, Bhav Ninder Singh

Dickinson Law Review (2017-Present)

Gun control increasingly bypasses direct legislative enactments by co-opting the commercial marketplace. Financial institutions and insurers often face regulatory pressures, frequently articulated through vague notions of “reputational risk,” to terminate or restrict services for lawful firearms businesses and advocacy groups. The debanking tactic, seen in initiatives such as Operation Choke Point, can deny essential financial products to firearm owners, merchants, and organizations, curtailing the practical exercise of constitutionally protected rights. Simultaneously, government agencies sometimes pursue warrantless data collection from bank records and merchant category codes, building profiles of lawful purchasers and eroding privacy and due-process norms.

Social media platforms compound …

Regulating Robo-Advisors In An Age Of Generative Artificial Intelligence, Daniel Schwarcz, Tom Baker, Kyle Logue

Washington and Lee Law Review

New generative artificial intelligence (“AI”) tools can increasingly engage in personalized, sustained, and natural conversations with users. This technology has the capacity to reshape the financial services industry, making customized expert financial advice broadly available to consumers. However, AI’s ability to convincingly mimic human financial advisors also creates significant risks of large-scale financial misconduct. Which of these possibilities becomes reality will depend largely on the legal and regulatory rules governing “robo-advisors” that supply fully automated financial advice to consumers.

This Article consequently critically examines this evolving regulatory landscape, arguing that current U.S. rules fail to adequately limit the risk that …

Forensic Accounting And Valuation In Delaware Litigation, J.W. Verret

William & Mary Business Law Review

This Article describes the forensic accounting and valuation tools available to Delaware litigators in commercial and corporate litigation as well as family law. Further, it details the licensing process and standards applicable to forensic accountants and shows how the methods utilized in this profession can assist litigators in a variety of contexts. Delaware cases in which courts have accepted or limited the use of expert forensic accountant testimony are explored and general principles for utilizing forensic accounting expertise in Delaware litigation are developed. The uses of forensic accounting in Delaware litigation are demonstrated across appraisal actions, divorce cases, fraud and …

Cognitive Processing’S Role In Preventing Consumer Scams, Lana Waschka, Marcus Cunha Jr.

AMTP Proceedings 2025

Building on the findings of prior Unconscious Thought Theory (UTT) research, which showed how utilizing unconscious processing allowed participants to better identify lies (Reinhard, et al., 2011), the current work proposes a potential solution for consumers to identify and avoid complex scams and frauds: the use of distraction/ unconscious thought while processing information about scams. Through the course of three studies, we find evidence in support of the hypothesis and identify a moderated (relationship status) mediation (materialism) and that the main relationship is moderated by low self-esteem.

This work contributes to the literature by extending the application of unconscious thinking …

Internal Control And Urban Investment Bond Issuance, Feixiong Zhu

Dissertations and Theses Collection (Open Access)

With the rapid growth of China's economy, the financing needs of local governments are increasing, and municipal investment bonds, as animportant financing tool for local governments, play a pivotal role in the capital market. However, the rapid development of the municipal investment bond market has also brought about problems such as inadequate informationdisclosure and accumulation of market risks, which has aroused widespreadconcern about potential financial risks. Against this background, the state has strengthened the regulation of municipal bonds, emphasized the importance of compliance management, and introduced a series of policies and measures toimprove the transparency and standardization of the market. …

Temporal Relational Graph Convolutional Networks For Financial Applications, Brindha Priyadarshini Jeyaraman

Dissertations and Theses Collection (Open Access)

The financial industry operates within a highly dynamic and interconnected ecosystem, presenting unique challenges for predictive modeling and decision-making. Accurately forecasting financial performance, assessing credit risk, detecting fraud, and ensuring compliance require methodologies that can capture complex temporal, relational, and contextual dependencies within financial data. This thesis investigates the use of Temporal Relational Graph Convolutional Networks (TRGCNs) combined with financial knowledge graphs (FKGs) to address these challenges and enable advanced analytics in the financial domain. We introduce FintechKG, a financial knowledge graph constructed through a threedimensional information extraction process, incorporating entities, temporal dimensions, and domain-specific financial relationships. A TRGCN-based framework …

Cybercrime As A Threat To The Banking Sector: A Perspective From Commercial Banks In Bangladesh, Hasibul Hossain, Rezaul Karim Shohag, Nikhil Chandra Nath, Sushmita Das Dalia

International Journal of Cybersecurity Intelligence & Cybercrime

Cyber and technology related crimes are gradually increasing all over the world due to rapid transitions and transactions in the digital world and cyberspace. Cyber related threats are increasingly becoming universal, multi-faceted, sophisticated and transnational in this tech-driven age. Governments, law enforcement agencies, IT professionals, scholars, and researchers worldwide have been concerned about digital deviance and crime. The transition to this widespread cybercrime is particularly difficult for developing countries. Recently, the banking sectors in Bangladesh have seen the emerging threats to its system and reserves through cyberspace, e. g. cyber-attacks or taking illegal access. Cybercrime is becoming a threat to …

Corporate Evolution, Omari Scott Simmons

Cardozo Law Review

Political entrepreneurs have declared war on environmental, social, and governance policies ("ESG"), going so far as to attempt to criminalize ESG-influenced investing. They seek a return to some real or imagined past. They amplify and elevate their efforts into mainstream public discourse. They pursue extraordinary goals and tactics to disrupt and even dismantle institutional structures, norms, and established processes. The contemporary anti-ESG backlash is not simply a battle over corporate purpose and the dueling perspectives of shareholder primacy versus stakeholderism or disputes concerning sustainable investment and operational strategies. It reflects aggressive political entrepreneurship and the tension between competing narratives: stasis, …

Ransomware In Healthcare: Threats, Impacts, And Mitigation Strategies, Mackenzie Dotson, Kasi Gorli, Alberto Coustasse

Management Faculty Research

Excerpt: The growing digitalization of healthcare has exposed hospitals to significant cybersecurity threats, particularly ransomware attacks. The Health Sector Cybersecurity Coordination Center (HC3) reported that as of mid-2024, there were 730 cyber-attacks worldwide against healthcare institutions, with 530 targeting the U.S. (AHA, 2024). Half of these incidents involved ransomware, a type of malware that restricts access to critical data until a ransom is paid (HHS, 2021). Hospitals are attractive targets for cybercriminals due to their essential role in patient care. Cybercriminals exploit vulnerabilities in hospital networks, often causing severe operational and financial damage. Factors such as understaffed IT teams, outdated …

Analisis Kritis Celah Regulasi Investasi Bodong Sebagai Peningkatan Tata Kelola Bisnis Terkait Investasi, Agustin Dea Prameswari

Jurnal Administrasi Bisnis Terapan

The phenomenon of fraudulent investment schemes in Indonesia continues to pose a significant threat to economic stability and business governance. This study aims to evaluate the effectiveness of existing regulations in preventing fraudulent investments, identify regulatory gaps exploited by perpetrators, and propose strategies to strengthen regulations and improve business governance. A qualitative approach was employed using document analysis, encompassing previous studies, prominent fraudulent investment cases such as MeMiles, Binomo, Fahrenheit, and Robot Trading Net89, as well as relevant regulatory frameworks. The findings reveal that existing regulations, such as Law No. 8 of 1995 on Capital Markets and Law No. 11 …

Regulatory Personhood: The Elixir For Redundancy Between The Sec And The Pcaob, Sarah J. Williams

St. John's Law Review

(Excerpt)

This Article analyzes enforcement activity against public company auditors during the agencies’ coexistence for the purpose of unmasking the alleged villainous duplication, budgetary waste, and agency in-fighting that was purportedly created by Congress when it endowed the PCAOB with enforcement powers already existing in the SEC’s arsenal. The Article examines enforcement cases brought by the SEC and the PCAOB against accounting firms and accountants associated with such firms that relate to poor performance in conducting public company audits during the period in which both agencies were in existence. Such research bears upon the effectiveness of the current system of …

Ai-Enabled Federated Learning System For Privacy-Preserving Health Insurance Underwriting And Fraud Detection, Vijayalaxmi Methuku

Defensive Publications Series

This disclosure presents an AI-powered federated learning system designed to enhance health insurance underwriting and fraud detection while maintaining strict privacy standards. The proposed system enables healthcare providers, insurers, and regulatory bodies to collaboratively train machine learning models without sharing sensitive patient data. The federated architecture ensures secure data processing, bias mitigation, and real-time fraud detection. Key innovations include distributed AI training, differential privacy, blockchain-based claim tracking, reinforcement learning for policy adjustments, and NLP-driven prior authorization automation. This system optimizes risk assessment, reduces fraudulent claims, and ensures transparency in health insurance operations.

Foreword, Madeleine "Mady" Clahane, Lissa L. Broome

North Carolina Banking Institute

No abstract provided.

Evaluating Campus Safety: Insights From Cal Poly Students, Demaree E. Lewis

Communication Studies

Campus safety is a major concern for students and faculty, especially in light of a few recent incidents at Cal Poly. This study explores students’ overall perceptions of safety, thoughts on Cal Poly’s method of communicating with students about crises, and the selection process of Resident Advisors (RA) on campus. Using a mixed methods approach, a survey collected responses from 125 students at Cal Poly, analyzing both qualitative and quantitative data. Analysis showed significant gender differences, with women reporting lower feelings of safety, satisfaction of Cal Poly crisis communication efforts, and overall lower trust in RA’s and Cal Poly’s vetting …

The Advice Of Counsel Defense: No Longer A Fraudster’S Shield, Maxwell Newman

North Carolina Banking Institute

No abstract provided.

Who Watches The Watchers?: Finra, Self-Regulatory Organizations, And The Next Evolution Of Appointment And Removal Jurisprudence, Hans M. Frank-Holzner

Minnesota Law Review Vols. 106:2 onward (2021-present)

There are private, non-profit corporations exercising significant executive power. Known as self-regulatory organizations (SROs) these non-governmental organizations make binding rules and sometimes enforce statutory law governing massive industries. One such SRO is the Financial Industry Regulatory Authority (FINRA). In 2022 alone, FINRA permanently barred 227 individuals and suspended 328 individuals from the financial industry, imposed $54.5 million dollars in fines, ordered $26.2 million dollars in restitution, and referred 663 cases for prosecution. FINRA’s regulatory jurisdiction is massive. In 2022, it oversaw 3,378 securities firms including 150,647 branch offices and 620,882 individuals nationwide. This immense power is wielded not by the …

Deepfake Image Detection Using Explainable Ai And Deep Learning, Abdallah Abdulfattah Mohammed Abdulrahman

Theses

Deepfake technology has grown exponentially, and it has changed our perspective of managing digital content. The technology has many applications, but its ease of access has brought many risks. These risks include identity theft, misinformation spread, development of non-consensual content, and a decrease in trust in media. To address these challenges, we propose a hybrid deep learning model combining Convolutional Neural Networks (CNN) and Long Short-Term Memory (LSTM) networks for deepfake image detection. We developed a CNN model and four hybrid CNN-LSTM models in our study. Our approach integrates the strengths of CNNs for spatial feature extraction and LSTMs for …

Retail Investors And Investment Fraud Victims: Is There A Connection?, Jason Martin

Staff Scholarship

This study analyzed specific characteristics of investment fraud victims. Logistic regressions on a national sample of retail investors revealed that overconfident and financially literate investors shared several characteristics with victims of investment fraud. While overconfident investors were the most comfortable with market regulation and making investment decisions that assumed high amounts of risk relative to investment returns, financially literate investors surpassed them in the frequency of annual trading and portfolio allocation to stocks. Surprisingly, overconfident investors favored due diligence via background checks on investment professionals, while financially literate investors did not. Overall, males and younger investors tended to share characteristics …

Educating Students On The Behavioral And Psychological Aspects Of Romance Scam Victimization Via A Social Engineering Competition, Rachel Bleiman, Hwanhee Park, Aunshul Rege

Journal of Cybersecurity Education, Research and Practice

The online dating industry generated 2.98 billion USD in 2023 and is estimated to reach 3.6 billion USD by 2025. Not surprisingly, online dating platforms are rife with romance scams that cause financial damages, with estimated losses of 1.3 billion USD in 2022 alone. Additionally, victims suffer emotional and psychological harms. This paper shares findings from a 2023 Romance Scam and Social Engineering Competition (RSSEC) that introduced students to the behavioral and psychological aspects of romance scams. Specifically, the competition aimed to expose students to (i) understanding how victims experience social engineering (SE) - the psychological manipulation of human behavior, …

Email Spam Classification Based On Deep Learning Methods: A Review, Ekramul Haque Tusher, Mohd Arfian Ismail, Anis Farihan Mat Raffei

Iraqi Journal for Computer Science and Mathematics

Email spam is a significant issue confronting both email consumers and providers. The evolution of spam filtering has progressed considerably, transitioning from basic rule-based filters to more sophisticated machine learning algorithms. Deep learning has become a potent collection of techniques for addressing intricate issues such as spam classification in recent times. A thorough literature evaluation is required to have a comprehensive overview of the current research on utilizing deep learning methods for email spam classification. This review aims to identify the various deep learning techniques used for email spam, their effectiveness, and areas for future research. By synthesizing the outcomes …

The Ethical Governance Of Artificial Intelligence: Using The Ai Integrative Risk-Based (Airb) Model To Achieve Compliance Risk Management, Miriam Weismann

University of Miami Business Law Review

While undeniably powerful, artificial intelligence algorithms also pose significant risks. The ethical, legal, social, and scientific implications of various AI models can be profound, as demonstrated by the subprime mortgage crisis. This crisis, worsened by the unregulated use of derivative algorithms, is a stark reminder of the pivotal role of individual accountability, ethical responsibility, and regulation in preventing future “catastrophic harm.”1 This Article ventures into the uncharted territory of AI ethical governance and aims to advance AI scholarship and address the unresolved issue of ethical compliance management in AI. Employing a risk-based assessment tool is critical for developing regulatory and …

Anogat-Sparse-Tl: A Hybrid Framework Combining Sparsification And Graph Attention For Anomaly Detection In Attributed Networks Using The Optimized Loss Function Incorporating The Twersky Loss For Improved Robustness., Nadhem Ebrahim, Wasim Khan

University Research

In recent years, the identification of abnormalities in attributed networks has become essential for applications including social media analysis, cybersecurity, and financial fraud detection. Unsupervised graph anomaly detection techniques seek to recognize infrequent and anomalous patterns in graph-structured data without the necessity of labelled instances. Conventional methods employing Graph Neural Networks (GNNs) frequently encounter difficulties, especially due to the transmission of noisy edges and the intrinsic intricacy of node interrelations. To overcome these restrictions, we introduce ANOGAT-Sparse-TL, an innovative hybrid framework that integrates graph sparsification and Graph Attention Networks (GAT) with autoencoder-based reconstruction for anomaly detection in attributed networks. The …

Insider Risks And The Evolving Role Of Executive Protection Professionals In Cybersecurity, Alan Saquella

Publications

Insider risks have long been a critical concern in corporate security, traditionally encompassing threats from employees, contractors, or third-party vendors with access to sensitive information. However, as digital transformation accelerates, the convergence of physical and cyber threats has created new vulnerabilities. Executive protection (EP) professionals, historically tasked with safeguarding high-profile individuals from physical threats, now find themselves on the frontlines of combating cyber-criminal attacks. Expanding their skill sets to include cybersecurity awareness is no longer optional—it is a necessity.

This article explores insider risks, the growing need for executive protection professionals to adapt, and practical ways they can enhance their …

Investor Justice, Nicole Iannarone

Minnesota Law Review Vols. 106:2 onward (2021-present)

There is a systemic flaw in the investor protection landscape. Unrepresented investors face off against well-resourced repeat- player firms that almost always have lawyers. While consumers face similar challenges in civil courts, in forced securities arbitration, the decisionmaker may not have a law degree, is prohibited from conducting any outside legal research, and has no monetary incentive to read materials the parties submit. These realities amplify already-existing informational and resource asymmetries between Main Street investors and stockbrokers and undermine the market-legitimizing function of securities arbitration. Despite being designed to permit investors to recoup losses without the aid of an attorney, …

Deepfakes Can Ruin Lives And Livelihoods – Would Owning The ‘Rights’ To Our Own Faces And Voices Help?, Graeme W. Austin, Jane C. Ginsburg

Faculty Scholarship

Not that long ago, the term “deepfake” wasn’t in most people’s vocabularies. Now, it is not only commonplace, but is also the focus of intense legal scrutiny around the world.

Known in legal documents as “digital replicas”, deepfakes are created by artificial intelligence (AI) to simulate the visual and vocal appearance of real people, living or dead.

Unregulated, they can do a lot of damage, including financial fraud (already a problem in New Zealand), political disinformation, fake news, and the creation and dissemination of AI-generated pornography and child sexual abuse material.

For professional performers and entertainers, the proliferation and increasing …

Legal Gaps In Personal Data Protection: Reforming Indonesia’S Population Administration Law, Ninuk Triyanti, I Gusti Ayu Ketut Rachmi Handayani, Lego Karjoko

Hasanuddin Law Review

This study critically examines the existing legal framework for personal data protection within Indonesia’s population administration system. Through a normative legal research approach, it identifies significant regulatory gaps that leave personal information vulnerable to misuse and breaches. The results show that the current legal policies remain insufficient, as numerous aspects of personal data protection have yet to be explicitly regulated in the Population Administration Law. Despite the enactment of a national personal data protection law, its effectiveness is undermined by the lack of comprehensive integration into the Population Administration Law. This research proposes reconstructing the legal framework to address essential …

Good Faith In Life Insurance Contract By Indonesian Court, Mokhamad Khoirul Huda

Hasanuddin Law Review

This paper reviews both the interpretation of good faith and its implementation by the Court in terms of life insurance contracts. The principle of good faith in life insurance contracts was under the provision of the Article 251 Wet Boek van Kophandel which assigned the obligation of good faith on the insured. Based on the context of its historical and systematical interpretation, the obligation of good faith should be on both sides, the insurer and the insured. The insured had an obligation to inform any material facts and the insurer had to investigate those all facts. Until recent days, however, …

Legal Status Of Cryptocurrency Circulation In Iraq: Lessons From The United Arab Emirates And The United States, Ghassan Adhab Atiyah, Nazura Abdul Manap, Saidatul Nadia Abd Aziz

Hasanuddin Law Review

The philosophical emergence of cryptocurrencies is a consequence of the desire to get rid of the authorities’ control of the monetary system, which encouraged people to deal with it for investment or to facilitate the fulfilment of their financial obligations. The research problem is represented through the lack of legislation that regulates dealing with cryptocurrencies in Iraq. There are many technical, legal, and security risks for the use and circulation of cryptocurrency, which must be legally addressed and suitable solutions found. Therefore, this article aims to examine and analyse the legal status of cryptocurrencies in selected jurisdictions through multiple stages, …

Security And Privacy Risks Of Multiple Payment Systems, Miguel Silva

Defensive Publications Series

The proliferation of multiple payment systems has introduced significant security and privacy risks, as users navigate a complex landscape of digital transactions. These risks arise from vulnerabilities in system integration, data breaches, and insufficient encryption protocols. Additionally, the lack of standardized security practices across platforms exacerbates the challenges of ensuring user privacy. Addressing these concerns requires comprehensive solutions that prioritize robust encryption, secure data sharing, and unified regulatory frameworks.

Domesticating Foreign Finance, Jeremy C. Kress

Florida Law Review

More than a decade after the 2008 financial crisis, U.S. policymakers still have not adequately addressed one of the primary causes of the crash: foreign banks. When foreign banks first entered the United States fifty years ago, they specialized in traditional banking products like loans and deposit accounts. Over time, however, many foreign banks shifted to a riskier strategy focused on speculative capital markets investments and fueled by volatile short-term debt. This novel business model created vulnerabilities for the U.S. financial system, as became clear when Deutsche Bank, Barclays, UBS, and other foreign banks accelerated the 2008 crisis. This Article …