In the digital context, companies often use “dishonest design”—commonly known as “dark patterns”—to trick or push consumers into doing things they wouldn’t necessarily have done otherwise. Existing scholarship has focused on developing a taxonomy and definitions for different categories of dark patterns, conducting empirical research to better understand the effectiveness of dark patterns, and broadly surveying...
Consumer Protection Law
Introduction When a Louisiana state court set Ronald Egana’s bail at $26,000, Egana’s mother and close friend did what hundreds of thousands of arrestees do each year: They sought the services of a commercial bail bondsman. Blair’s Bail Bonds agreed to post Egana’s bail in exchange for a twelve-percent nonrefundable premium, the state-approved rate in […]
Congress passed the Periodic Payment Settlement Act of 1982 to incentivize structured settlements. The Act sought to encourage tort victims with serious injuries to agree to settlements that offered the best prospect of long-term financial security. But Congress failed to predict the development of a robust secondary market for settlement payment streams: Since the early 1990s, factoring companies have aggressively and unscrupulously...
For the last fifty years, Congress has valorized the act of borrowing money as a catalyst for equality, embracing the proposition that equality can be bought with a loan. In a series of bedrock statutes aimed at democratizing access to loans and purchase money for marginalized groups, Congress has evinced a “borrowing-as-equality” policy that has largely focused on the capacity of “credit,” while acoustically separating...
Sharing economy firms such as Uber and Airbnb facilitate trusted transactions between strangers on digital platforms. This creates economic and other value but raises concerns around racial bias, safety, and fairness to competitors and workers that legal scholarship has begun to address. Missing from the literature, however, is a fundamental critique of the sharing economy grounded in asymmetries of information and power. This Essay, coauthored...