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Adminization: Gatekeeping Consumer Contracts
Get PDFLarge companies and debt collectors frequently file unmeritorious claims against consumers Recent highprofile actions brought by the Consumer Financial Protection Bureau CFPB against JP Morgan Citibank and large debt collectors illustrate the breadth and importance of this phenomenon Due to the limited financial power of individuals consumers often do not defend against such baseless claims which results in the entry of millions of default judgments every year To combat this problem policymakers and scholars have explored a variety of courtbased solutions that would make it easier for consumers to defend in court but these prove ineffectualTo solve the problem of unmeritorious claiming this Article proposes a budgetfriendly solution called Adminization This novel approach uses an administrative agency as a gatekeeper to civil litigation that is tasked with detecting and sanctioning the filing of baseless claims The agency samples cases using statistical methods and potentially deeplearning algorithms and then investigates selected cases using agency auditors When the auditors find wrongdoing they are instructed to levy large fines against wrongdoers Unlike the current system Adminization subjects every plaintiff to the risk of thorough investigation and large fines thus undercutting the financial incentive to engage in wrongful behavior The importance of Adminization lies in its costeffectiveness practicality and political feasibility relative to the courtbased approaches that dominate the discussion toda
The widows of Malabar Hill
No full textIntroducing an extraordinary female lawyer-sleuth in a new historical series set in 1920s Bombay. Perveen Mistry, the daughter of a respected Zoroastrian family, has just joined her father\u27s law firm, becoming one of the first female lawyers in India. Armed with a law degree from Oxford, Perveen also has a tragic personal history that makes her especially devoted to championing and protecting women\u27s legal rights. Mistry Law has been appointed to execute the will of Mr. Omar Farid, a wealthy Muslim mill owner who has left three widows behind. But as Perveen is going through the paperwork, she notices something strange: all three of the wives have signed over their full inheritance to a charity. What will they live on if they forfeit what their husband left them? Perveen is suspicious, especially since one of the widows has signed her form with an X--meaning she probably couldn\u27t even read the document. The Farid widows live in full purdah--in strict seclusion, never leaving the women\u27s quarters or speaking to any men. Are they being taken advantage of by an unscrupulous guardian? Perveen tries to investigate, and realizes her instincts about the will were correct when tensions escalate to murder. Now it is her responsibility to figure out what really happened on Malabar Hill, and to ensure that no innocent women or children are in further danger. -- Provided by publisher; Includes bibliographical referenceshttps://scholarship.law.ua.edu/harper_lee_prize_books_2019/1010/thumbnail.jp
Where the crawdads sing
No full textSeptember 2018 selection of Reese Witherspoon\u27s book club; For years, rumors of the Marsh Girl have haunted Barkley Cove, a quiet town on the North Carolina coast. She\u27s barefoot and wild unfit for polite society. So in late 1969, when handsome Chase Andrews is found dead, the locals immediately suspect Kya Clark. But Kya is not what they say. Abandoned at age ten, she has survived on her own in the marsh that she calls home. A born naturalist with just one day of school, she takes life lessons from the land, learning from the false signals of fireflies the real way of this world. But while she could have lived in solitude forever, the time comes when she yearns to be touched and loved. Drawn to two young men from town, who are each intrigued by her wild beauty, Kya opens herself to a new and startling world -- until the unthinkable happenshttps://scholarship.law.ua.edu/harper_lee_prize_books_2019/1015/thumbnail.jp
Duty to Protect: Enhancing the Federal Framework to Prevent Childhood Lead Poisoning and Exposure to Environmental Harm
Get PDFScientific evidence indisputably demonstrates that lead poisoning causes permanent neurological damage and numerous co-morbidities for children and adults. Exposure to lead hazards irreversibly harms individuals and, left unchecked, can devastate communities into the future. In recognition of these threats, the President\u27s Task Force on Environmental Health Risks and Safety Risks to Children (Task Force) was established by Executive Order in 1997. The original Task Force created the first coordinated federal response to eliminate childhood lead poisoning in the United States and set an ambitious ten-year timeline to achieve its goals of prevention, treatment, research, and progress management. However, the most recent Task Force retreated from these bold goals. Rather than eliminating lead poisoning, in 2018 the Task Force sought merely to reduce it. This Article provides a comprehensive overview of the dangers of lead exposure, details the federal government\u27s evolving response to lead poisoning, and, for the first time, disseminates previously unpublished comments on Drafting a New Federal Strategy to Reduce Childhood Lead Exposures and Impacts, submitted to the Task Force in 2017, ahead of its most recent report. By providing these comments publicly, this Article creates a record of critical recommendations to the Task Force, provides best practices for the federal government\u27s response to lead poisoning, and encourages federal policymakers to take the necessary steps to meet the original goal of eradicating lead hazards and protecting children from lead poisoning
