Will Banks Get Out of the Deposit Advance Loan Business? If So, Is That Desirable?

by Jeff Sovern Deposit advance loans are banks' answer to payday loans.   Just like payday loans, they tend to be for short periods and high interest rates.  And just as with payday loans, consumer advocates fear that consumers get trapped in them, in the sense that many borrowers can't come up with the money to […]

Another preemption loss in the Supreme Court for consumers injured by generic drugs

by Brian Wolfman The Supreme Court today held in Mutual Pharmaceutical Co. v. Bartlett that FDA approval of a generic  prescription drug preempts a state-law damages claim premised on the drug's design defect. The 5-4 majority opinion is written by Justice Alito. Basically, Justice Alito says that a design-defect claim is, in effect, a claim […]

Supreme Court grants review in Noel Canning recess-appointment case

Here's the Supreme Court's order: 12-1281 NLRB V. NOEL CANNING, ET AL. The petition for a writ of certiorari is granted. In addition to the questions presented by the petition, the parties are directed to brief and argue the following question: Whether the President's recess-appointment power may be exercised when the Senate is convening every […]

Is First Amendment protection of commercial speech undermining consumer protection and public health?

That's the question addressed in "The First Amendment and Public Health, At Odds," American Journal of Law & Medicine, 39 (2013): 298-307, by Ted Mermin and Samantha Graff. Here's the article's first couple paragraphs (with the footnotes omitted): At the turn of the last century, allies of industry on the Supreme Court deployed a novel […]

“Regulatory Approaches to Ending Cigarette-Caused Death and Disease in the United States”

That's the name of this article by law professor Dick Daynard. Here is the abstract: Cigarettes result in over 400,000 preventable American deaths each year. In 2011, fewer than twenty percent of adults smoked. Since the publication of the first U.S. Surgeon General’s Report on Smoking and Health nearly fifty years ago, when smoking prevalence […]

To sum up the Roberts Court’s class-action jurisprudence…

To a hammer, everything looks like a nail. And to a Court bent on diminishing the usefulness of Rule 23, everything looks like a class action, ready to be dismantled. -Justice Kagan, dissenting today in Amex v. Italian Colors. She doesn't cite Walmart v. Dukes, Comcast v. Behrend, Genesis Healthcare v. Symczyk, or AT&T v. […]

More on Italian Colors: Justice Scalia’s discussion of the “effective vindication” doctrine

I noted earlier that American Express has won American Express v. Italian Colors in the Supreme Court. Here's what Justice Scalia says about the "effective vindication" doctrine — the doctrine on which the Second Circuit had relied in overriding the class-action ban contained in American Express's arbitration agreement: As we have described, the exception finds its […]