Elizabeth Warren in HuffPo: The Banking Industry’s Transparent Attempt to Weaken the CFPB

Here. The entire essay is worth reading, but here's an excerpt to whet your appetite:   The latest industry-sponsored bill would fundamentally change the structure of the CFPB by replacing the agency's single, independent director with a commission of political appointees. * * * [T]he agency is working, which may be exactly why the big […]

Klonoff Predicts the Future for Class Actions

Robert H. Klonoff of Lewis & Clark has written Class Actions in the Year 2025: A Prognosis, Forthcoming in the Emory Law Journal. Here is the abstract: In this Article, I reflect on what the federal judiciary has done in recent years, and I attempt to predict what the class action landscape will look like […]

Fourth Circuit: major loan servicer is not arm of the state, can be sued

In two cases today (one of them litigated by Public Citizen), the Fourth Circuit held that the Pennsylvania Higher Education Assistance Agency (PHEAA) is not entitled to claim Pennsylvania's sovereign immunity because PHEAA is not an arm of the state. In fact, PHEAA is effectively an independent business, which holds, services or guarantees more than $100 billion […]

Has the Ninth Circuit “Sub Silentio Overrule[d Its Own] ‘Initial Interest Confusion’ Doctrine”?

by Paul Alan Levy Earlier this year, I discussed a troubling decision from the United States Court of Appeals for the Ninth Circuit that reinstated a complaint by Multi-Time Machine, a maker of fancy watches, based on the way in which Amazon’s internal search engine returned results when users entered the search string “mtm special […]

Obamacare Is Beating Its Goal of Reducing the Uninsured Rate

That's the name of this article by Kevin Drum.  Here's an excerpt: In 2010, just after Obamacare passed, CBO estimated that the uninsured rate would hit 8 percent by 2016. This was based on the original law, but in 2012 the Supreme Court made Medicaid expansion voluntary and most red states opted out. In July CBO updated its projections to […]

Is Amazon’s Recent Suit Against Anonymous Reviewers Barred by Its Own Arbitration Clause?

by Paul Alan Levy Yesterday I discussed a lawsuit filed by Amazon seeking relief against over a thousand anonymous individuals who offered to sell their services posting phony positive reviews about products available for sale on Amazon.  The theory of Amazon's complaint is that the users are all registered Amazon users and hence forbidden from […]

Did copyright law hinder detection of VW’s emissions scheme?

As regulators and policymakers consider how to respond to VW's emissions scandal — in which the company programmed its vehicles to emit less during tests than under normal conditions (for our prior discussions, see here, here, and here) — one angle they might consider for future reform is copyright. Sen. Ron Wyden opined last week […]

Reifa & Markou: Advertisers Know You are a Dog on the Internet!

Christine Riefa of Brunel and Christiana Markou of the European University Cyprus have written Online Marketing: Advertisers Know You are a Dog on the Internet!, in Savin, Trzaskowski (Eds) Research Handbook on EU Internet Law (Edward Elgar 2014) 383-410.  Here's the abstract: This piece explores the regulation of online marketing. The Internet has enabled advertisers […]

To tip or not to tip? (Or more accurately but less punchily: to have a tipping system or not?)

In wake of last week's announcement by New York restaurateur Danny Meyer that he would be eliminating tipping at his restaurants (and instead building a service charge into the menu prices), dueling op-eds in the Times and Post over the past week debate the merits of tipping as a custom and means of paying workers. In the Times, Saru […]

Amazon Damns a Thousand Anonymous Reviewers for Paid Praise

by Paul Alan Levy The problem of false reviews bedevils web sites that invite customer reviews as a basis for other consumers to judge goods and services available to them on the market.  Disgruntled merchants can be counted on bring defamation claims against false negative reviewers, but few merchants feel they have any incentive to […]