1.0CLP Bloghttps://clpblog.citizen.orgJeff Sovernrich600338<blockquote class="wp-embedded-content" data-secret="Z1BAMSUfaC"><a href="https://clpblog.citizen.org/my-latest-paper-not-so-smartphone-disclosures/">My latest paper: Not-So-Smartphone Disclosures</a></blockquote><iframe sandbox="allow-scripts" security="restricted" src="https://clpblog.citizen.org/my-latest-paper-not-so-smartphone-disclosures/embed/#?secret=Z1BAMSUfaC" width="600" height="338" title="“My latest paper: Not-So-Smartphone Disclosures” — CLP Blog" data-secret="Z1BAMSUfaC" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" class="wp-embedded-content"></iframe><script type="text/javascript"> /* <![CDATA[ */ /*! This file is auto-generated */ !function(d,l){"use strict";l.querySelector&&d.addEventListener&&"undefined"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!/[^a-zA-Z0-9]/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret="'+t.secret+'"]'),o=l.querySelectorAll('blockquote[data-secret="'+t.secret+'"]'),c=new RegExp("^https?:$","i"),i=0;i<o.length;i++)o[i].style.display="none";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute("style"),"height"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):"link"===t.message&&(r=new URL(s.getAttribute("src")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener("message",d.wp.receiveEmbedMessage,!1),l.addEventListener("DOMContentLoaded",function(){for(var e,t,s=l.querySelectorAll("iframe.wp-embedded-content"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute("data-secret"))||(t=Math.random().toString(36).substring(2,12),e.src+="#?secret="+t,e.setAttribute("data-secret",t)),e.contentWindow.postMessage({message:"ready",secret:t},"*")},!1)))}(window,document); /* ]]> */ </script> by Jeff Sovern I co-authored it with Nahal Heydari.  It's available here. And here's the abstract: Consumers increasingly engage in financial transactions on smartphones, including obtaining loans. Lawmakers depend on mandatory disclosures to alert consumers when loan terms are excessive. When those disclosures are provided on the tiny screen of a mobile phone, can consumers [...]