Consumer Protection Law Commons^™

Who Will Protect Chinese Consumers? The Past, Present And Future Of Consumer Protection Legislation In China, Junke Xu

Loyola Consumer Law Review

No abstract provided.

Can You Hear Me Now?: A Look Into The Future Of Cell Phone Carrier Competition, Eryk Wachnik

Loyola Consumer Law Review

No abstract provided.

Documentation? - I Don't Have To Show You Any Stinkin' Documentation - An Evaluation Of The Verification Requirement Of 15 U.S.C. Sec. 1692g(B), Michael D. Slodov

Loyola Consumer Law Review

No abstract provided.

Product Liability And Internet Prevention: The Cpsc Online Consumer Database, Leslie Cornell

Loyola Consumer Law Review

No abstract provided.

Condo Developers And Fiduciary Duties: An Unlikely Pairing?, Alisa M. Levin

Loyola Consumer Law Review

No abstract provided.

Catching Sight Of Credence Attributes: Compelling Production Method Disclosures On Eggs, Aurora Paulsen

Loyola Consumer Law Review

No abstract provided.

"The Durbin Tax" And How The Banks Tried To Insure Their Bottom Line, Eryk J. Wachnik

Loyola Consumer Law Review

No abstract provided.

Twitter's Trademark Problems: Is The Anticybersquatting Consumer Protection Act Outdated?, 10 J. Marshall Rev. Intell. Prop. L. 764 (2011), Cole C. Hardy

UIC Review of Intellectual Property Law

Under the Lanham Act there is no remedy for individuals when imposters register user names with corresponding post-domain paths containing protected trademarks on social network websites. While Twitter temporarily experimented with its own verification process, it currently does not help users of its site distinguish trademark owners’ pages from the imposters’ pages. Current law discouraging such activity only applies to domain names. This article proposes that with a minor change to the ACPA, the Lanham Act could be updated to help trademark owners protect their rights when infringing activity is experienced with social networking handles and the corresponding post-domain paths.

Reforming Regulation In The Markets For Home Loans, Susan Block-Lieb, Edward J. Janger

Fordham Urban Law Journal

This article explores the content and institutional context for recently revised regulation of the markets for residential mortgages. The authors compare and contrast the House and Senate bills relating to the market for home loans proposed and/or passed in the wake of the 2008 financial crisis and examines how the Dodd-Frank Act reconciled the various proposals. The article also focuses on the creation and role of the Bureau of Consumer Financial Protection. Lastly, this article examines the portion of the Dodd-Frank Act intended to regulate predatory mortgages.

A Simple Approach To Preventing The Next Housing Crisis-Why We Need One, What One Would Look Like, And Why Dodd-Frank Isn't It, David A. Dana

Fordham Urban Law Journal

This article considers the adequacy of The Dodd-Frank Act in terms of its potential ability to prevent another crisis in the housing market. The author argues that Dodd-Frank, even if implemented broadly, will not address the key problem of excess complexity in the housing and financial markets. The author then suggests additional reform focusing on simplicity, exemplified by the existing regulatory framework in Denmark. Lastly, the author addresses the current political economy, which is blamed for making the passage of effective regulation too difficult.

Ability To Pay, John A. E. Pottow

Articles

The landmark Dodd-Frank Act of 2010 ("Dodd-Frank") transforms the regulation of consumer credit in the United States. Many of its changes have been high-profile, attracting considerable media and scholarly attention, most notably the establishment of the Consumer Financial Protection Bureau ("CFPB"). Even specific consumer reforms, such as a so-called "plain vanilla" proposal, drew hot debate and lobbying firepower. But when the dust settled, one profoundly transformative innovation that did not garner the same outrage as plain vanilla or the CFPB did get into the law: imposing upon lenders a duty to assure a borrower's ability to repay. Ensuring a borrower's …

Financial Literacy Or Financial Castigation?, John A. E. Pottow

Articles

This year, the Canadians- through their government-convened Task Force on Financial Literacy - have proudly produced, "Canadians and their Money: Building a Brighter Financial Future." Armed with 30 recommendations, its most dramatic innovation is to recommend the creation of a Financial Literacy Leader. I have been asked to provide an American perspective on this report specifically and the broader agenda of "financial literacy" more generally as a consumer welfare intervention. Let me start by acknowledging the critiques of the Canadian Task Force. For example, my Canadian colleague, Saul Schwartz, has already drafted a compelling analysis of the political economy behind …

Credit Card Fraud: A New Perspective On Tackling An Intransigent Problem, Lydia Segal, Benjamin Ngugi, Jafar Mana

Fordham Journal of Corporate & Financial Law

This article offers a new perspective on battling credit card fraud. It departs from a focus on post factum liability, which characterizes most legal scholarship and federal legislation on credit card fraud and applies corrective mechanisms only after the damage is done. Instead, this article focuses on preempting credit card fraud by tackling the root causes of the problem: the built-in incentives that keep the credit card industry from fighting fraud on a system-wide basis. This article examines how credit card companies and banks have created a self-interested infrastructure that insulates them from the liabilities and costs of credit card …

Creditors’ Contempt., Lea Krivinskas Shepard

Faculty Publications & Other Works

This Article takes a fresh look at the power of courts and creditors to force debtors to repay their obligations through in personam collection techniques. Variously known as "debtor's examinations," "turnover orders," "citations to discover assets,' "supplementary proceedings," "proceedings supplementary," and "proceedings in aid of execution," in personam remedies force the debtor, under threat of the court's contempt authority, to turn over money or property directly to a creditor. Because the exercise of the court's contempt authority can result in a debtor's imprisonment, in personam techniques have long been regarded as a critical but potentially very coercive arrow in a …

Not With A Bang, But A Whimper: Congress's Proposal To Overturn The Supreme Court's Leegin Decision With The Discount Pricing Consumer Protection Act Of 2009, Ariana E. Gillies

Jeffrey S. Moorad Sports Law Journal (1994 - )

No abstract provided.

The Dodd-Frank Wall Street Reform And Consumer Protection Act: A Failed Vision For Increasing Consumer Protection And Heightening Corporate Responsibility In International Financial Transactions, Eric C. Chaffee

American University Law Review

No abstract provided.

The Consumer Financial Protection Bureau's Appointment With Trouble, Kent Barnett

American University Law Review

No abstract provided.

Mortgage Foreclosures, Mortgage Morality, And Main Street: What’S Really Happening?, Jennifer M. Smith

Journal Publications

The American economy is in the tank. Millions of citizens are without jobs, overwhelmed with credit card debt, and losing their homes. The brighter side is that as a result, America has finally embraced financial reform, and the unstable economy is stabilizing marriages. Nevertheless, the United States remains in the midst of a housing crisis, and the ending remains uncertain.

There has been a media blitz about the housing crisis and Wall Street - corporate interests, but much less about the actual impact of the housing crisis on Main Street - America's working class people and small business owners. This …

Current Jurisdictional And Recognitional Issues In The Conflict Of Laws, Vaughan Black, Joost Blom

All Faculty Publications

In honour of the 40th Consumer and Commercial Law Workshop and the 50th volume of the Canadian Business Law Journal we have been asked to provide a retrospective of developments in the conflict of laws that highlights emerging issues. We have chosen to present it in a conversational fashion in which each of us presents a perspective and the other two offer their comments.

The Demise Of Class Actions Will Not Be Televised, Benjamin Sachs-Michaels

Cardozo Journal of Conflict Resolution

As evidenced by two recent Cardozo Journal of Conflict Resolution articles, class action waivers in arbitration clauses are currently a hot topic in the field of conflict resolution. With increasing frequency, arbitrators and courts are presented with class action waivers in compulsory arbitration agreements prohibiting the aggregation of claims. This Note argues that some courts have reversed course in their treatment of class action waivers contained in arbitration clauses. There is a new movement to find class waivers, and the arbitration clauses that harbor them, unenforceable. This Note further argues that while plaintiffs uniformly oppose class action waivers, defendants widely …