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The Gamification of Banking
No full textGamification is coming to banking. This phenomenon is already gain-ing ground in advertising, healthcare, manufacturing, and, more recently, with the GameStop and AMC meme stock saga in securities trading. The idea behind gamification is to make transactions seem fun, playful, and even casino-like in order to elicit habit-forming, addictive-like effects with consumers. This Article argues that the rise of financial technology (“fintech”) firms and their ever-growing business relationships with incumbent financial institutions has created the necessary conditions for gamification to take hold in the banking sector. In order to explore this observation, we undertake a study of current examples of banking gamification and create a novel taxonomy of instances where fintech firms and banks offer financial products and services using business models that rely upon high levels of customers, transaction activity and engagement, and that frequently use the power of social media and online communities. Through our discussion of the nascent gamification of banking, we also explore the tension between consumer protection and various regulatory approaches when it comes to thinking about how to regulate the gamification in the banking sector. Lastly, we theorize banking gamification as coming in three distinct waves, with the final, yet-to-be realized wave being the advent of one-stop-shop, mega financial platforms. This Article concludes with some thoughts on the benefits and costs of gamification in banking
WOCC Women\u27s History Month Book Display 05
No full textClose up of book display created by Women of Color Collective in the law library March 2025 highlighting the book Revolutionary Women of Texas and Mexico; Portraits of Soldaderas, Saints, and Subversives by Kathy Sosa.
Moving portraits of eighteen women hailing from Texas and Mexico who revolutionized their worlds. ISBN: 978-1595349255.https://scholarship.law.tamu.edu/womens-history-month-2025-photos/1005/thumbnail.jp
Constitution Day Sept 2025 Book Display 02
No full textClose-Up of the collection of books on display commemorating the celebration of Constitution & Citizenship Day on display in the law library September 2025.https://scholarship.law.tamu.edu/constitution-day-2025-photos/1001/thumbnail.jp
Dia De Los Muertos 2025 Display 06
No full textClose-up of pictures of the deceased loved ones on the display honoring the Day of the Dead.https://scholarship.law.tamu.edu/los-muertos-2025-photos/1005/thumbnail.jp
Pro Bono Week Oct 2025 Book Display 13
No full textClose-up shot of the book, A Knock at Midnight: A Story of Hope, Justice, and Freedom by Brittany K. Barnett in display for National Pro Bono Week in the law library October 2025.https://scholarship.law.tamu.edu/pro-bono-week-2025-photos/1013/thumbnail.jp
The United States
No full textFinancial Crisis and the Shift to Forbearance
The Global Financial Crisis (2008-2013) was a paradigm shift for mortgage enforcement proceedings. Not only did it lead to significant changes in legislation to improve enforcement procedures in many jurisdictions, the crisis also revealed the importance of forbearance measures. Combined with growing attention at an international and EU level to the position of the homeowner-consumer, the topic of forbearance and mortgage enforcement proceedings offers an interesting study. Post-Crisis Mortgage Enforcement
This book contains the first post-Global Financial Crisis oversight of the existing legislation and regulation concerning forbearance and mortgage enforcement proceedings, combined with relevant data and a description of relevant socio-economic and financial aspects. Various experts from Europe, the USA, and South Africa describe the post-crisis systems of forbearance and mortgage enforcement proceedings in their jurisdiction. The Property, Environment & Law Series
The series Vastgoed, Omgeving & Recht (Property, Environment & Law) focuses on exchange of knowledge and discussion between theory and practice in the field of real estate, environment and law in the broadest sense. Monographs, theses, conference papers and comments are part of the series. This series is part of the book series published by the Nederlands Institute for Law and Governance (NILG)
Does the Press Get Special Rights?
Get PDFThe press occupies a place in our system of government so unique and important that it’s often referred to as the “Fourth Estate.” The press is charged with ensuring that voters have the information they need to elect their leaders, shedding a sanitizing light on the inner workings of the government, and acting as a counterweight to its enormous power. In recognition of these functions—and, presumably, to enable and promote them—the architects of the Bill of Rights permanently enshrined the press in its own clause of the First Amendment.
Yet two centuries later, scholars have generally accepted that the press has received no special treatment under the Constitution, and for good reason—the Supreme Court has repeatedly said that the press is entitled to no more rights than the individual speaker.
This is what the Court has said—but it’s not what it has done. A closer look at the case law reveals that the Court has, in practice, granted the press additional rights and freedoms beyond what an individual speaker could claim in the form of special access to prisons and the court system and heightened protections from contempt of court, searches and seizures, and liability for defamation. Given the many examples that emerge from the relatively small number of press cases the Supreme Court has decided, it is hard to deny that the press often gets different—and better—constitutional treatment than everyone else.
And rightly so. Given the special role the press plays in our constitutional system and its express mention in the text, it seems natural that the press should be entitled to more rights and freedoms than the general public. But the Court has repeatedly shown reluctance to simply come out and say so, likely because affording rights to the press based on its status as “the press” raises a notoriously difficult threshold question: what is the press, anyway?
The sparse legislative history of the First Amendment offers almost no insight into what the Framers intended the Press Clause to mean. And the scholars who have wrangled with the definitional question have not squared the circle, either, defining the press so broadly (as a mere technology anyone could access) or so narrowly (by restricting it to institutional media) that the Press Clause has gained little traction as a repository for these special rights.
The question of who counts as press—and therefore stands to benefit from these rights—has never been thornier. Now that the internet and social media have opened up new channels of mass communication, anyone can play the part of a commentator or journalist without having to change out of their pajamas. And as technology progresses, defining the press will only get more difficult. The sooner the question is settled—or at least confronted in earnest—the sooner the body of First Amendment law can regain coherence
April 2025 Poetry Month Display Photo 06
No full textPhoto of Susan Ayres, her book of poetry Walk Like the Bird Flies , and the Context card mounted on the April 2025 displayhttps://scholarship.law.tamu.edu/poetry-month-2025-photos/1009/thumbnail.jp
April 2025 Poetry Month Poster
No full texthttps://scholarship.law.tamu.edu/poetry-month-2025-photos/1000/thumbnail.jp