Perhaps no kind of regulation is more common or less useful than mandated disclosure--requiring one party to a transaction to give the other information. It is the iTunes terms you assent to, the doctor's consent form you sign, the pile of papers you get with your mortgage. Reading the terms, the form, and the papers is supposed to equip you to choose your purchase, your treatment, and your loan well. "More Than You Wanted to Know" surveys the evidence and finds that mandated disclosure rarely works. But how could it? Who reads these disclosures? Who understands them? Who uses them to make better choices?

Omri Ben-Shahar and Carl Schneider put the regulatory problem in human terms. Most people find disclosures complex, obscure, and dull. Most people make choices by stripping information away, not layering it on. Most people find they can safely ignore most disclosures and that they lack the literacy to analyze them anyway. And so many disclosures are mandated that nobody could heed them all. Nor can all this be changed by simpler forms in plainer English, since complex things cannot be made simple by better writing. Furthermore, disclosure is a lawmakers' panacea, so they keep issuing new mandates and expanding old ones, often instead of taking on the hard work of writing regulations with bite.

Timely and provocative, "More Than You Wanted to Know" takes on the form of regulation we encounter daily and asks why we must encounter it at all.

In der Medizin verspricht die Nanotechnologie enorme Fortschritte, jedoch nicht ohne Nachteile. Die Unberechenbarkeit der mit der Nanotechnologie hergestellten Nanopartikel nimmt die Autorin zum Anlass, die Folgen fur die klinische Prufung am Menschen, insbesondere fur die Risiko-Nutzen-Abwagung, zu untersuchen und stellt die Frage, ob das Restrisiko noch als sozialadaquat angesehen werden kann. Sie analysiert die Vereinbarkeit mit ethischen Grundsatzen und den Konflikt der Grundrechte der Studienteilnehmer mit denen der Patienten, der AErzte und der Pharmaunternehmen. Sie zeigt zudem, dass mangels einer einheitlichen Definition der Nanotechnologie und ihrer Produkte bei Verbrauchern und Anwendern eine Rechtsunsicherheit besteht, die es durch den europaischen bzw. nationalen Gesetzgeber auszuraumen gilt.

Consumer out-of-court redress in the European Union is experiencing a significant transformation; indeed the current changes are the most important that have occurred in the history of the EU. This is due to the recent implementation of the Alternative Dispute Resolution (ADR) Directive 2013/11/EU and the Online Dispute Resolution (ODR) Regulation (EU) 2013/524. The Directive ensures the availability of quality ADR schemes and sets information obligations on businesses, and the Regulation enables the resolution of consumer disputes through a pan European ODR platform. The New Regulatory Framework for Consumer Dispute Resolution examines the impact of the new EU law in the field of consumer redress. Part I of the volume examines the new European legal framework and the main methods of consumer redress, including mediation, arbitration, and ombudsman schemes. Part II analyses the implementation of the ADR Directive in nine Member States with very different legal cultures in consumer redress, namely: Belgium, Ireland, Italy, Germany, France, Portugal, Spain, the Netherlands and the UK, as well as the distinct approach taken in the US. Part III evaluates new trends in consumer ADR (CDR) by identifying best practices and looking at future trends in the field. In particular, it offers a vision of the future of CDR which is more than a mere dispute resolution tool, it poses a model on dispute system design for CDR, it examines the challenges of cross-border disputes, it proposes a strategy to promote mediation, and it identifies good practices of CDR and collective redress. The book concludes by calling for the mandatory participation of traders in CDR.

Originally published in 1921, this book presents the content of the Yorke Prize essay for 1918. The text provides a concise discussion of the law regarding the purchase of goods in relation to the area of 'goods improperly obtained'. This book will be of value to anyone with an interest in the British legal system and the history of law.

European Consumer Access to Justice Revisited takes into account both procedural and substantive law questions in order to give the term 'access to justice' an enhanced meaning. Specifically, it analyses developments and recent trends in EU consumer law and aims to evaluate their potential for increasing consumer confidence in the cross-border market. Via a critical assessment of the advantages and disadvantages of the means initiated at the EU level, the author highlights possible detriments to the cross-border business-to-consumer (B2C) market. To remedy this, he introduces an alternative method of creating a legal framework that facilitates B2C transactions in the EU - 'access to justice 2.0'.

This book examines the legal nature and requirements of compliance in letter of credit transactions in Anglo-American jurisdictions, as well as the associated contract choice of law issues. It gives an authoritative exposition of the mechanics of the law on the problem of compliance in the field, and is the first to afford a comprehensive, highly analytical critique of the topic from the point of view of modern international banking practice. In a user-friendly style, it provides an in-depth elucidation of the context of the key roles of individual parties during the course of the transactions, aiding a thorough understanding of the legal problems covered. Structured in four parts, it covers the opening of a complying letter of credit; the regularity of performance under a properly opened letter of credit; ways in which an unreimbursed bank may recover money it mistakenly paid against a faulty presentation; and the conflict of laws problems involved in the context of a beneficiary claiming entitlement to the sum on the credit against an allegedly complying tender of documents. In the conflict of laws section substantial attention is given to the many difficult hurdles that the potential claimant often confronts, and explores the various methods and techniques available. An important aspect of the analysis in this part is ascertainment of the legal system which the courts at common law and under Rome I Regulation would apply to resolve a claim.

In 1980, the United Nations Convention for the International Sale of Goods (CISG) came into being as an attempt to create a uniform commercial sales law. This book, first published in 2007, compares two major restatements - the UNIDROIT Principles and the Principles of European Contract Law (PECL) - with CISG articles. This work has gathered scholars and legal practitioners from twenty countries who contribute analysis on the various issues covered in the articles of the CISG comparing them with how the issue is treated in the UNIDROIT and PECL restatements.The introductory section of the book addresses theoretical and practical issues of the appropriate interpretive methodology as mandated in CISG Article 7 and it is followed by individual analyses of the Convention's provisions.

Holiday Law: The Law Relating to Travel and Tourism, considered to be the leading text on holiday law, provides a comprehensive guide to the law as it relates to all forms of holidays. Its broad coverage of the subject includes the nature of the contractual relationship between tour operator, civil liability and the effects of insolvency and examines the travel industry and looks at the agencies that regulate the industry.

Boilerplate--the fine-print terms and conditions that we become subject to when we click "I agree" online, rent an apartment, enter an employment contract, sign up for a cellphone carrier, or buy travel tickets--pervades all aspects of our modern lives. On a daily basis, most of us accept boilerplate provisions without realizing that should a dispute arise about a purchased good or service, the nonnegotiable boilerplate terms can deprive us of our right to jury trial and relieve providers of responsibility for harm. "Boilerplate" is the first comprehensive treatment of the problems posed by the increasing use of these terms, demonstrating how their use has degraded traditional notions of consent, agreement, and contract, and sacrificed core rights whose loss threatens the democratic order.

Margaret Jane Radin examines attempts to justify the use of boilerplate provisions by claiming either that recipients freely consent to them or that economic efficiency demands them, and she finds these justifications wanting. She argues, moreover, that our courts, legislatures, and regulatory agencies have fallen short in their evaluation and oversight of the use of boilerplate clauses. To improve legal evaluation of boilerplate, Radin offers a new analytical framework, one that takes into account the nature of the rights affected, the quality of the recipient's consent, and the extent of the use of these terms. Radin goes on to offer possibilities for new methods of boilerplate evaluation and control, among them the bold suggestion that tort law rather than contract law provides a preferable analysis for some boilerplate schemes. She concludes by discussing positive steps that NGOs, legislators, regulators, courts, and scholars could take to bring about better practices.

Boilerplate--the fine-print terms and conditions that we become subject to when we click "I agree" online, rent an apartment, enter an employment contract, sign up for a cellphone carrier, or buy travel tickets--pervades all aspects of our modern lives. On a daily basis, most of us accept boilerplate provisions without realizing that should a dispute arise about a purchased good or service, the nonnegotiable boilerplate terms can deprive us of our right to jury trial and relieve providers of responsibility for harm. Boilerplate is the first comprehensive treatment of the problems posed by the increasing use of these terms, demonstrating how their use has degraded traditional notions of consent, agreement, and contract, and sacrificed core rights whose loss threatens the democratic order. Margaret Jane Radin examines attempts to justify the use of boilerplate provisions by claiming either that recipients freely consent to them or that economic efficiency demands them, and she finds these justifications wanting. She argues, moreover, that our courts, legislatures, and regulatory agencies have fallen short in their evaluation and oversight of the use of boilerplate clauses. To improve legal evaluation of boilerplate, Radin offers a new analytical framework, one that takes into account the nature of the rights affected, the quality of the recipient's consent, and the extent of the use of these terms. Radin goes on to offer possibilities for new methods of boilerplate evaluation and control, among them the bold suggestion that tort law rather than contract law provides a preferable analysis for some boilerplate schemes. She concludes by discussing positive steps that NGOs, legislators, regulators, courts, and scholars could take to bring about better practices.

This collection includes essays by eleven leading public health experts, economists, physicians, political scientists, and lawyers, whose activities encompass Congressional testimonies, Surgeon General's reports on youth smoking, and clinical trials for drugs for smoking cessation. They analyze specific strategies that have been used to influence tobacco use, including taxation, regulation of advertising and promotion, regulation of indoor smoking, control of youth access to cigarettes and other tobacco products, litigation, and subsidies of smoking cessation, and set them against the latest scientific findings about tobacco and the changing cultural and political setting against which policy decisions are being made.

The third edition of Cranston's Consumers and the Law brings the reader fully up to date with developments in consumer law and includes important new material on utilities and financial services regulation. An internet home page has also been established for readers of this book. The home page has two main purposes. First, it provides links to websites containing primary sources such as codes, consultation documents and reports which are not always accessible in law libraries. Secondly it provides periodic updating information on key developments in law and policy.

This key text on consumer law contains materials drawn from a broad range of sources and includes extracts from: cases and statutes; Government and Law Commission reports; and publications produced by the Office of Fair Trading and the National Consumer Council. It also incorporates materials illustrating the approach of other jurisdictions, most notably within the Commonwealth, north America and continental Europe. The ever-increasing influence of the European Community is apparent throughout this work and the extracts (many of which are not readily accessible elsewhere) are introduced, linked and contextualised by extensive commentary, notes, problems and questions for discussion. The book takes full account of the major statutory changes since the last edition, for example, the Consumer Protection Act 1987, the Sale and Supply of Goods Act 1994, the Package Travel, Package Holidays and Package Tours Regulations 1992, the Unfair Terms in Consumer Contracts Regualtions 1994 and the General Product Safety Regulations 1994. In addition, there is discussion of developments affecting the enforcement of penalties, including conditional fee agreements and group actions, together with coverage of the substantial amount of recent case law. Miller, Harvey and Parry offer wide-ranging and authoritative coverage of an increasingly complex area of law. It will be an invaluable source of learning for all students of consumer law, particularly undergraduates and those on Legal Practice courses. It will also interest specialist and non-specialist practitioners, and non-lawyers who deal with consumer law such as trading standards officers and those proffering advice from citizens advice bureaux.

Markets run on information. Buyers make decisions by relying on their knowledge of the products available, and sellers decide what to produce based on their understanding of what buyers want. But the distribution of market information has changed, as consumers increasingly turn to sources that act as intermediaries for information-companies like Yelp and Google. Antitrust Law in the New Economy considers a wide range of problems that arise around one aspect of information in the marketplace: its quality. Sellers now have the ability and motivation to distort the truth about their products when they make data available to intermediaries. And intermediaries, in turn, have their own incentives to skew the facts they provide to buyers, both to benefit advertisers and to gain advantages over their competition. Consumer protection law is poorly suited for these problems in the information economy. Antitrust law, designed to regulate powerful firms and prevent collusion among producers, is a better choice. But the current application of antitrust law pays little attention to information quality. Mark Patterson discusses a range of ways in which data can be manipulated for competitive advantage and exploitation of consumers (as happened in the LIBOR scandal), and he considers novel issues like "confusopoly" and sellers' use of consumers' personal information in direct selling. Antitrust law can and should be adapted for the information economy, Patterson argues, and he shows how courts can apply antitrust to address today's problems.

Studies have found that the purchasing power of American women is potentially the greatest in the world. So why not support the rights of women while you shop? Fun to read, easy to use, and packed with the latest information available, The Feminist Dollar gives you the basic facts about gender fairness and equity as it is - or is not - practiced by corporations and governments, so that you can make informed decisions about the policies you want to support when buying merchandise and traveling abroad. Among the almost 400 companies covered here that make and market the products you buy and use every day, you will discover which promote women, have generous childcare or family leave policies, or contribute to organizations that benefit women, so that you can apply economic pressure where it can make a difference. Also, you will find the FEM - feminist evaluation measure - ratings of some of the states and countries to which you might travel.

This insightful book considers phenomena such as mass torts, which affect numerous victims, and complex insolvency cases, which concern multiple and often competing interests. The editors identify and respond to the need for reflection on the notion of 'mass justice'. The assembled contributors show that while private law is usually debated in terms of individual rights and duties, the reality is that these are deeply influenced by collective issues. They address examples such as the operation of class actions; the availability of insurance funds; the logistics of negotiating with and compensating a wide range of individuals; as well as distribution of assets in insolvency proceedings. This unique and detailed book will appeal to academics and students of private law as well as those with an interest in law and society. Scholars from non-law disciplines with an interest in insurance and liability will also find this study thought-provoking, as will practitioners and policy makers. Contributors: Z. Even, C. Hodges, G. Howells, E. Kocher, R. Lee, R. Merkin, D. Milman, R.A. Nagareda, W. Oosterveen, A. Stadler, R. Stech, J. Steele, W.H. van Boom, F.M.J. Verstijlen

The progressive economics writer redefines the national conversation about American freedom "Mike Konczal [is] one of our most powerful advocates of financial reform' [a] heroic critic of austerity' and a huge resource for progressives."-Paul Krugman Health insurance, student loan debt, retirement security, child care, work-life balance, access to home ownership-these are the issues driving America's current political debates. And they are all linked, as this brilliant and timely book reveals, by a single question: should we allow the free market to determine our lives? In the tradition of Naomi Klein's The Shock Doctrine, noted economic commentator Mike Konczal answers this question with a resounding no. Freedom from the Market blends passionate political argument and a bold new take on American history to reveal that, from the earliest days of the republic, Americans have defined freedom as what we keep free from the control of the market. With chapters on the history of the Homestead Act and land ownership, the eight-hour work day and free time, social insurance and Social Security, World War II day cares, Medicare and desegregation, free public colleges, intellectual property, and the public corporation, Konczal shows how citizens have fought to ensure that everyone has access to the conditions that make us free. At a time when millions of Americans-and more and more politicians-are questioning the unregulated free market, Freedom from the Market offers a new narrative, and new intellectual ammunition, for the fight that lies ahead.

2020 marked the 40th anniversary of the CISG which now has over 90 Contracting States, with Hong Kong formally adopted the Convention in 2022, and further States are currently considering their accession to the Convention. Even more importantly, significantly more international case law applying the CISG has become available since the last edition in 2016. This timely new edition considers these new cases and other important developments and literature, continuing to provide the meticulous detail and authority of analysis of previous editions. Some of the article-by-article chapters have been completely rewritten. The fifth edition furthermore includes two new thematic chapters enabling coverage of topical subjects in a holistic way with reference to the various CISG articles they concern. In recent practice, contracts have started to emerge that concern the sale of data, raising numerous issues concerning the applicability of the CISG. The new CISG and Data Trading chapter addresses these questions, making this Commentary the first to cover "digital" trade under the CISG. The new chapter INCOTERMS and the CISG provides easily accessible overviews of all INCOTERMs 2020 and the interactions between contractual CIF, FOB and other INCOTERM clauses and the CISG's provisions in case the Convention applies (as often in practice) as underlying sales law rules. Since the publication of the first edition in 1998, the Commentary has become an invaluable source for the comprehension and discussion of the Convention, frequently cited by legal writers, tribunals, and courts all over the world. Written by an international team of contributors, this book provides expert analysis, and combines judicial and scholarly views from numerous jurisdictions. This is the most comprehensive and authoritative commentary on the CISG, and an invaluable resource for scholars and practitioners alike.

This book provides a systematic analysis of the law of sale of goods with reference to UK and Commonwealth authorities and relevant UK and EU legislation. With particular clarity of expression the work covers fully content, interpretation, and performance issues relating to sale of goods agreements. Aspects of consumer law are dealt with where relevant as are issues such as recoverability of damages, currency and interest. Since the last edition there has been a substantial flow of new case law which include the following selected group: Yearworth (on body fluids); Gammasonics (software); VFS Financial Services and Welcome Financial Services (on Part III of the Hire Purchase Act); Great Elephant (on a seller's s 12 liability); Force India Formula One (s.12 and recovery of money on a failure of consideration); The Mercini Lady (on risk and durability); damages decisions in the wake of The Achilleas; Kulkarni and Wincanton (on the passing of property); Samarenko (on making time of the essence); Brewer (description); McDonald (on examination and satisfactory quality); Lowe (Part 5A of the Sale of Goods Act); case law under the Consumer Protection from Unfair Trading Regulations 2008. All of these, and others, are given full treatment in this new edition. There is also a full treatment of the 2008 regulations on cancellation of contracts. The second edition also includes extended analysis of proprietary rights in bulk goods, and of fitness and quality of goods in relation to compliance with public standards. The material on consumer protection measures has been expanded in relation to liabilities of the seller and third parties. Additional material also deals with changes to the Consumer Credit Act 1974, the definition of exclusion clauses, Part III of the Hire Purchase Act 1964, time of the essence, concurrent contractual duties and suspension, waiver and election, description and general contract law, and misrepresentation and insolvency. This book provides detailed and clear treatment of problem areas and offers new lines of argument and ideas to those interpreting the law and presenting a case. This is a leading work of scholarship and an invaluable reference for all lawyers and scholars working in the field.

The Politics of Precaution examines the politics of consumer and environmental risk regulation in the United States and Europe over the last five decades, explaining why America and Europe have often regulated a wide range of similar risks differently. It finds that between 1960 and 1990, American health, safety, and environmental regulations were more stringent, risk averse, comprehensive, and innovative than those adopted in Europe. But since around 1990, the book shows, global regulatory leadership has shifted to Europe. What explains this striking reversal? David Vogel takes an in-depth, comparative look at European and American policies toward a range of consumer and environmental risks, including vehicle air pollution, ozone depletion, climate change, beef and milk hormones, genetically modified agriculture, antibiotics in animal feed, pesticides, cosmetic safety, and hazardous substances in electronic products. He traces how concerns over such risks--and pressure on political leaders to do something about them--have risen among the European public but declined among Americans. Vogel explores how policymakers in Europe have grown supportive of more stringent regulations while those in the United States have become sharply polarized along partisan lines. And as European policymakers have grown more willing to regulate risks on precautionary grounds, increasingly skeptical American policymakers have called for higher levels of scientific certainty before imposing additional regulatory controls on business.

Die Autorin nimmt die Reform des Gesetzes gegen den unlauteren Wettbewerb (UWG) im Jahr 2015 zum Anlass, die damit einhergehenden AEnderungen im Hinblick auf das Spurbarkeitsmerkmal zu untersuchen. Anhand verschiedener Fragestellungen und einer Analyse der Rechtsprechung zum Spurbarkeitsmerkmal wird unter anderem uberpruft, ob die sprachlichen und gesetzessystematischen Anpassungen des UWG 2015 an die Richtlinie uber unlautere Geschaftspraktiken tatsachlich keine AEnderung der materiellen Rechtslage mit sich bringen wird oder ob und in welchem Umfang fur die Rechtsprechung Anpassungsbedarf besteht. Daruber hinaus uberpruft die Autorin, ob eine Auswirkungsanalyse im Sinne des oekonomischen Ansatzes des more economic approach oder oekonomische Ansatze, wie etwa die Neue Institutionenoekonomik oder die Informationsoekonomie, Unterstutzung in der Rechtsanwendung des UWG liefern koennten.

Blackstone's Guide to Consumer Sales and Associated Guarantees provides a practical and contextual guide to the important new Guarantees Directive and its implementation. The book deals with the relationship and interaction of these new rights with the existing sale of goods legislation.

Consumer law and policy has emerged in the last half-century as a major policy concern for all nations. This Handbook of original contributions provides an international and comparative analysis of central issues in consumer law and policy in developed and developing economies.The Handbook encompasses questions of both social policy and effective business regulation. Many of the issues are common to all countries and are becoming increasingly globalised due to the growth in international trade and technological developments such as the Internet. The authors provide a broad coverage of both substantive topics and institutional questions concerning optimal approaches to enforcement and the role of class actions in consumer policy. It also includes comparative insights into the influential EU and US models of consumer law and relates consumer law to contemporary trends in human rights law. Written by a carefully selected group of international experts, this text represents an authoritative resource for understanding contemporary and future developments in consumer law. This Handbook will provide students, researchers and policymakers with an insight to the main policy debates in each context and provide models of legal regulation to assist in the evaluation of laws and the development of consumer law and policy.

Based on the earlier "Consumer Law: Text, Cases and Materials" by David Oughton, this work seeks to explain the general principles which underlie consumer protection law and the many ways in which those principles are applied. It provides students of consumer law with an up-to-date and readable text on the subject. Topics of central importance are those of consumer redress, product quality, product safety (including food safety), consumer services law (with particular reference to repair services), holidays, consumer insurance and consumer finance.;There is also a discussion of the various methods by which advertising, sales promotion practices and misleading claims are regulated. Where appropriate, domestic law is related to the general principles and policies of European Community law which have increasingly come to recognise the consumer interest. In this respect, account has been taken of the effect of the Treaty of Amsterdam which, amongst other things, has renumbered many of the familiar provisions of the Treaty of Rome. The book also considers the relevant merits and disadvantages of business self-regulation under both trade association codes of practice and the growing number of statutory codes of practice introduced to reduce the burdens on business created by legislative intervention.;This edition takes account of a number of judicial decisions in the appellate courts and below, and also takes account of the provisions of the Contracts (Rights of Third Parties) Act 1999, the Access to Justice Act 1999, the Civil Procedure Rules 1998, the Food Standards Act 1999, the Human Rights Act 1998, the Unfair Terms in Consumer Contracts Regulations 1999 and the EC Directive on Consumer Sales and Associated Guarantees 1999.