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Using Content and Tone to Deliver Effective Feedback on Legal Research
No full textThis article reviews the important role feedback has in teaching legal research. It draws on educational scholarship to provide an overview of strategic considerations in planning for feedback. By focusing on written feedback as a mode of providing comments to law students, this article applies research on how to use content and tone to deliver effective feedback that engages students by being specific, positive, constructive, and personalized. Examples of how content and tone may be used to improve comments on legal research assessments are provided
New Tech, Old Problem: The Rise of Virtual Rent-to-Own Agreements
No full textThis Article examines how fintech has transformed the traditional rent-to-own (RTO) industry by enabling the rise of virtual rent-to-own agreements (“VirTOs”), which now extend high-cost RTO-style financing into services and unconventional products such as vehicle repairs, pet ownership, and medical devices. It explains how VirTOs differ from classic RTO arrangements by involving hidden online transactions between retailers and third‑party VirTO providers, making termination through return of the item—central to the legal status of RTOs—practically impossible. As a result, the Article argues that VirTOs function as disguised credit rather than true rentals, forming a legal fiction designed to evade consumer protection laws, and contends that courts should regulate them as credit subject to state usury and federal consumer‑finance statutes. The Article concludes by proposing policy reforms, including banning VirTOs for services and nonsensical products, to protect low‑income and subprime consumers from the heightened risks posed by fintech‑driven fringe financing models