Consumer Protection Law Commons^™

Expanding Access For The Credit Invisible With Just Four Easy Payments? The Unregulated Rise Of Buy Now, Pay Later, Colleen E. Mandell, Morgan J. Lawrence

Loyola Consumer Law Review

No abstract provided.

Arbitration As Seventh Amendment Waiver: A New Angle For Consumer Advocates?, Steven Becker

Loyola Consumer Law Review

No abstract provided.

Table Of Contents, Loyola Consumer Law Review

Loyola Consumer Law Review

No abstract provided.

The Unscheduled Creditor In A Chapter 7 Case With Assets, Daniel M. Tavera

Loyola Consumer Law Review

No abstract provided.

Death By Fashion: Consumers Face Health Risks By Purchasing From Unregulated Fast Fashion Brands, Elizabeth Durosko

Loyola Consumer Law Review

With the rise of globalization and, as an effect, outsourcing, fast fashion has grown in popularity and accessibility. While this trend provides consumers with greater accessibility to affordable fashion trends, it also comes with significant costs.

In the past few years, studies have revealed that clothing produced via various fast fashion brands contain elevated levels of toxic chemicals. While legislatures have tried to regulate these issues, the existing laws fall short of protecting consumers from these harmful chemicals.

To address this issue and better regulate the industry, the United States needs a widespread solution. U.S. legislatures must look to other …

Table Of Contents, Loyola Consumer Law Review

Loyola Consumer Law Review

No abstract provided.

Dark Patterns In Law And Economics Framework, Katri Nousiainen, Catalina Perdomo Ortega

Loyola Consumer Law Review

No abstract provided.

The Federal Trade Commission's Green Guides: Failing The American Consumer And The Planet, Thomas Farbacher

Loyola Consumer Law Review

No abstract provided.

Table Of Contents, Loyola Consumer Law Review

Loyola Consumer Law Review

No abstract provided.

The Cost Of Being Cracked: Why The Call Of Duty League Should Implement A Stricter Study Drug Regulation Policy, Christopher Bennett

Loyola Consumer Law Review

The video game industry is one of the fastest growing and most lucrative markets in the United States and globally, which has in turn driven the growth of the competitive leagues for the industry's most popular titles. Electronic sports (esports) are loosely defined as "professional video game matches where players compete against each other before an audience, whether in person or online." While various forms of esports have been around since the 1980s, the explosion of the industry in the past decade has allowed for significant sums of prize money and projections for esports to be a multi-billion dollar industry …

Dope At The Door: The Legalization Of Cannabis Delivery And Why Illinois Should Too, Ian Lindsay

Loyola Consumer Law Review

No abstract provided.

Stimulus Checks, Universal Basic Income, And Debtor Protections, Sophie B. Laing

Loyola Consumer Law Review

Interest in Universal Basic Income (UBI) is growing. While Congress may not be passing UBI legislation anytime soon, the policy has enjoyed enthusiastic support from a variety of high-profile politicians and advocates and made its way from a fringe idea to a national debate. Universal Basic Income has inspired pilot programs across the country, beginning with one such program in 2019 and growing to at least thirty-three by 2021. UBI has been discussed, debated, and dissected in the literature, which has addressed arguments for and against UBI, the values and principles underlying the program, and the policy mechanisms needed to …

What The Judge Ate For Breakfast: Reasonable Consumer Challenges In Misleading Food Labeling Claims, Jessica Guarino, Nabilah Nathani, A. Bryan Endres

Loyola Consumer Law Review

Food, being an established aspect of global human culture and history, occupies a unique role in contemporary society. Given the massive market available for packaged and processed food, companies have taken deceptive marketing to new heights, resulting in a flurry of consumer litigation. The dominant test for -evaluating the scope of these cases is the reasonable consumer standard, an amorphous assessment which requires a probability that a majority of the general public or targeted consumers would be misled by said deceptive marketing. By analyzing state and federal consumer protection statutes, landmark cases, and elements of human and cultural psychology, the …

Student Loans And Financial Distress: A Qualitative Analysis Of The Most Common Student Loan Complaints, Matthew Adam Bruckner, Christopher J. Ryan, Jr.

Loyola Consumer Law Review

Student loan servicers are the face of the U.S. student loan system, and they are not well-liked. Using the Consumer Financial Protection Bureau's (the CFPB) consumer complaint database, we study borrower perceptions of the student loan system. We qualitatively analyzed a sample of complaint narratives drawn from every student loan complaint ever filed with the CFPB. Our analysis of these complaint narratives reveals clear patterns of discontent in four primary areas: 1) a mismatch between ability to repay and repayment options, including problems with forbearance, deferments, the public service loan forgiveness program, income-driven repayment plans, and loan cancellation options; 2) …

I Think I'Ve Seen This Film Before: How Taylor Swift's Eras Tour Has Exposed The Need To Investigate Ticketmaster's Market Dominance, Grace Connelly

Loyola Consumer Law Review

No abstract provided.

Table Of Contents, Loyola Consumer Law Review

Loyola Consumer Law Review

No abstract provided.

The Megamerger Of Kroger-Albertsons: A Big Deal For Chicago Consumers, Brett Wainscott

Loyola Consumer Law Review

No abstract provided.

Condo Collapse Creates Consumer Collapse, Alexandra Alvarez

Loyola Consumer Law Review

The collapse of Champlain Towers South in Surfside led the Florida legislature to enact Senate Bill 4-D in the hopes of ensuring public safety and better regulating its previous unsatisfactory building code. While the implementation of this new bill is well intentioned and much needed, it carries with it impactful consequences on consumers.

Senate Bill 4-D comes alive during a time when the real estate market in South Florida is scorching. The new bill will continue to force consumers to reach into their savings and pay tens of thousands of dollars, if not more, to improve the structural integrity of …

Healthwashing: Corporate Communication Strategies In A Legal Gray Zone, Felix Delerm, Anna Galmiche, Melanie Levy

Loyola Consumer Law Review

In an age of rising prevalence of non-communicable diseases, transnational companies of the tobacco, alcohol, and food industries wash their risk-creating commercial activities and unhealthy products and incidentally mislead consumers. This paper examines industries' quest for legitimacy through elaborate communication strategies. It conceptualizes the practice of healthwashing as a new form of a commercial determinant of health, revealing the inherent tension between commercial and public health objectives. Healthwashing consists of deceptive, multi-level communication strategies, including labeling and advertising, that trick consumers into believing they support companies whose practices align with their values. The paper is the first to present an …

Federal Courts On Mifepristone: How Do Healthcare Consumers Fare?, Jessica Antoni

Loyola Consumer Law Review

No abstract provided.

Ebay Frauds: Specific Illustrations And Analysis, Bret N. Bogenschneider, Arkadiusz Mironko

Loyola Consumer Law Review

No abstract provided.

Consumer Protection In The Face Of Smart Contracts, Lucas Forbes

Loyola Consumer Law Review

As smart contracts increase in popularity and use, there is a greater importance for the European Union to ensure that consumers are adequately protected under their consumer protection regime. This Article evaluates the extent to which the principal European consumer protection directives can respond to the use of smart contracts. After providing background on what 'smart contracts' are and their potential benefits, this Article assesses the use of smart contracts under the Unfair Contract Terms Directive, the Consumer Rights Directive, the Unfair Commercial Practices Directive, and the directives on defective and non-conforming goods. This Article finds that while there are …

Consumer News: Fertility Tracking Apps, Dna Testing, And... Vending Machines? Developments In Ftc And State Protections On Certain Health Information, Kiana Baharloo

Loyola Consumer Law Review

No abstract provided.

Table Of Contents, Loyola Consumer Law Review

Loyola Consumer Law Review

No abstract provided.

Declining Motor Fuel Tax Revenue Due To Electric Vehicles And Increased Fuel Efficiency, Madeline Melby

Loyola Consumer Law Review

The emergence of electric vehicles and increased fuel efficiency within traditional, internal combustion automobiles is an important step in combating climate change. Many state and federal officials have proposed different resolutions to encourage these types of cars and reduce carbon emissions. However, based on the growing number of electric vehicles, hybrids, and overall, more-fuel efficient vehicles, drivers are no longer purchasing fuel at historic levels, and this is effectively curbing the tax revenue once collected at the gas pump on both a state and federal level. Although these vehicles still contribute to the wear and tear associated with driving on …

Exploring The Role Of Technology In Consumer Law Enforcement, Liz Coll, Christine Riefa

Loyola Consumer Law Review

No abstract provided.

Antitrust Privacy, Revisited, Gregory Day

Loyola Consumer Law Review

When large technology companies, known as "Big Tech," became prevalent, they engendered tremendous debate in antitrust circles. On one hand, many of the companies seemed to vanquish competition using methods that could hardly be described as fair or meritorious. But the problem with harnessing antitrust enforcement was that most tech markets appear to be innovative, high-quality, and cheaply priced (one could even say "free"). Since anticompetitive conduct must render high prices, diminished innovation, eroded quality, or otherwise harm "consumer welfare" to offend antitrust law, Big Tech was able to dodge antitrust scrutiny-for a while anyway.

Given the seemingly anticompetitive behaviors …

Privacy, Attention, And Competition. How To Apply Competition Law To Big Tech Companies? The European Perspective, Lukasz Grzejdziak

Loyola Consumer Law Review

No abstract provided.

The Afterpay Hangover, Nathalie Martin, David Lynn

Loyola Consumer Law Review

Buy Now Pay Later (BNPL) companies such as Afterpay, Klarna, Affirm, and Zilch, have grown faster than any other payment method during the pandemic and the BNPL payment method is expected to continue to grow exponentially well into the future. Under BNPL arrangements, consumers buy relatively moderately-priced items online and pay for them in installments, typically without interest. BNPL companies earn revenues from merchant fees. and late fees assessed to consumers, rather than traditional interest. Because consumers do not pay fees or interest if the scheduled installments are paid on time, these companies argue that they do not fall within …

Accreditation Information Produced By United States Law Schools To The American Bar Association Should Be Made Available To The Public From Both Law And Policy Perspectives, Henry Webb, Patrick R. Baker, Kaleb Byars

Loyola Consumer Law Review

This article argues that, from a legal perspective, the American Bar Association ("ABA") is the functional equivalent of a government agency and so is subject to the United States Freedom of Information Act. Under Soucie v. David and related cases, the fact that the ABA has the final decision-making authority to decide whether a United States law school is or is not to be accredited renders it the functional equivalent of a government agency, and the ABA's refusal to make available to the public the voluminous amount of important information produced to the ABA by law schools going through the …