Junyuan Ke and Weiguang Wang, both of the University of Rochester – Simon Business School and Natasha Zhang Foutz, Associate Professor of Commerce at the University of Virginia, have written Heterogeneous Consumer Response and Mitigation toward Healthcare Data Breach: Insights from Location Big Data. Here is the abstract: Data breaches pose grave dangers to consumers, […]
Author Archives: Jeff Sovern
Mark Huelsman of the Student Borrower Protection Center has written Driving Runaway Debt: How IDR’s Current Design Buries Borrowers Under Billions of Dollars in Unaffordable Interest. Here's the abstract: This report highlights how the design of the main protection meant to deliver affordability to federal student loan borrowers, Income-Driven Repayment (IDR), ignores the widespread effects that […]
Anita L. Allen of Penn has written Dismantling the Black Opticon: Race Equity and Online Privacy and Data Protection Reform, forthcoming in the Yale Law Journal. Here’s the abstract: In the opening decades of the 21st century popular online platforms rapidly transformed the world. These platforms have come with benefits, but a heavy price to […]
by Jeff Sovern Over at the ContractsProf Blog. The bill would provide a short form and a diagram for Terms of Service. But without consumer testing, who knows if consumers would pay attention even to the short form or diagram.
Here. Excerpt: Since the 70’s, the FCRA has allowed consumers with credit reporting claims to recover up to $1,000 per statutory violation of the law, while the FDCPA allows statutory damages up to $1000 per case even when multiple violations of the law are present. It is decades-past time for an update. An annual inflation […]
Michelle Aronowitz and Vanessa Gail Perry of George Washington have written Homeward Bound: Removing Barriers to Mortgage Credit for Black Homebuyers. Here’s the abstract: We analyze some of the key barriers to Black homeownership and propose several solutions that promise to expand homeownership opportunities, lower the costs of homeownership, and hasten equity accumulation for Black […]
by Jeff Sovern Story here. The joke is courtesy of my brother-in-law, Ray Conley.
Susan Block-Lieb of Fordham and Edward J. Janger of Brooklyn have written Fit for its Ordinary Purpose: Implied Warranties and Common Law Duties for Consumer Finance Contracts, 59 Houston Law Review 3 (2021). Here’s the abstract: The history of consumer goods and consumer credit markets presents an anomaly: market transactions for consumer goods and credit […]
Michael Blasie of Pennsylvania State University, Dickinson Law has written The Rise of Plain Language Laws, University of Miami Law Review, 2022 Forthcoming. Here is the abstract: When lawmakers enacted 778 plain language laws across the United States, no one noticed. Apart from a handful, these laws went untracked and unstudied. Without study, large questions remain […]