For almost three decades, the European Union (EU) has adopted measures to regulate consumer transactions within the internal market created by the EU Treaties. Existing legislation is largely based on directives harmonizing aspects of national consumer laws. This Brief argues that a more appropriate approach for EU consumer law would be legislation in the form of a regulation which is applicable to cross-border transactions only. The author considers the constitutional constraints of the EU Treaties, before examining the case for a cross-border-only measure. He argues that the cross-border approach is preferable, because it would provide clearer benefits for consumers seeking to buy goods and services across borders, while not upsetting domestic law unnecessarily—in particular in the context of e-commerce, with implications for industry, policymaking, and regional development. The Brief concludes by suggesting that a successful EU measure on cross-border consumer transactions could create a template for global initiatives for transnational consumer law.
Introduction.Big data for twenty-first-century economic statistics: the future is now /Katharine G. Abraham, Ron S. Jarmin, Brian C. Moyer, and Matthew D. Shapiro --Toward comprehensive use of big data in economic statistics.Reengineering key national economic indicators /Gabriel Ehrlich, John Haltiwanger, Ron S. Jarmin, David Johnson, and Matthew D. Shapiro ;Big data in the US consumer price index: experiences and plans /Crystal G. Konny, Brendan K. Williams, and David M. Friedman ;Improving retail trade data products using alternative data sources /Rebecca J. Hutchinson ;From transaction data to economic statistics: constructing real-time, high-frequency, geographic measures of consumer spending /Aditya Aladangady, Shifrah Aron-Dine, Wendy Dunn, Laura Feiveson, Paul Lengermann, and Claudia Sahm ;Improving the accuracy of economic measurement with multiple data sources: the case of payroll employment data /Tomaz Cajner, Leland D. Crane, Ryan A. Decker, Adrian Hamins-Puertolas, and Christopher Kurz --Uses of big data for classification.Transforming naturally occurring text data into economic statistics: the case of online job vacancy postings /Arthur Turrell, Bradley Speigner, Jyldyz Djumalieva, David Copple, and James Thurgood ;Automating response evaluation for franchising questions on the 2017 economic census /Joseph Staudt, Yifang Wei, Lisa Singh, Shawn Klimek, J. Bradford Jensen, and Andrew Baer ;Using public data to generate industrial classification codes /John Cuffe, Sudip Bhattacharjee, Ugochukwu Etudo, Justin C. Smith, Nevada Basdeo, Nathaniel Burbank, and Shawn R. Roberts --Uses of big data for sectoral measurement.Nowcasting the local economy: using Yelp data to measure economic activity /Edward L. Glaeser, Hyunjin Kim, and Michael Luca ;Unit values for import and export price indexes: a proof of concept /Don A. Fast and Susan E. Fleck ;Quantifying productivity growth in the delivery of important episodes of care within the Medicare program using insurance claims and administrative data /John A. Romley, Abe Dunn, Dana Goldman, and Neeraj Sood ;Valuing housing services in the era of big data: a user cost approach leveraging Zillow microdata /Marina Gindelsky, Jeremy G. Moulton, and Scott A. Wentland --Methodological challenges and advances.Off to the races: a comparison of machine learning and alternative data for predicting economic indicators /Jeffrey C. Chen, Abe Dunn, Kyle Hood, Alexander Driessen, and Andrea Batch ;A machine learning analysis of seasonal and cyclical sales in weekly scanner data /Rishab Guha and Serena Ng ;Estimating the benefits of new products /W. Erwin Diewert and Robert C. Feenstra.
An ideal casebook for students in consumer transactions courses. It contains extensive and systematic coverage of the federal and state statutes that govern such consumer transactions as automobile sales and finance, home mortgages, predatory lending, and others. The text makes frequent use of problems as a teaching device.Highlights of the Fifth Edition:Reorganization and expansion of the chapter on the Fair Credit Reporting Act, reflecting recent amendments imposing obligations on creditorsExpanded treatment of predatory loansNew material on mortgage brokers and on securitization of credit contractsExpansion of material on mandatory arbitration clauses, odometer regulation, and telemarketingAdditional material on foreign law and perspectivesNew problems throughout the book, exploring recent judicial developmentsFour new cases.To maintain the size of the casebook, judicious deletion of selected materials (
This book introduces and develops the paradigm of the organisational contract in European contract law. Suggesting that a more radical distinction should be made between contracts which regulate single or spot exchanges and contracts that organize complex economic activities without creating a new legal entity, the book argues that this distinction goes beyond that between spot and relational contracts because it focuses on the organizational dimension of contracting and its governance features. Divided into six parts, the volume brings together a group of internationally renowned experts to examine the structure of long-term contractual cooperation; networks of contracts; knowledge exchange in long-term contractual cooperation; remedies and specific governance rules in long-term relationships; and the move towards legislation. The book will be of value to academics and researchers in the areas of private law, economic theory and sociology of law, and organizational theory. It will also be a useful resource for practitioners working in international contract law and international business transaction law.
Bankruptcy and Article 9: 2024 Statutory Supplement is smaller, lighter, and more portable than competing supplements. The supplement includes: UCC Article 1, UCC Article 9, UCC Article 12, key excerpts from UCC Article 2 and UCC Article 8, Uniform Fraudulent Transfer Act, Uniform Voidable Transactions Act, Uniform Motor Vehicle Certificate of Title and Anti-Theft Act, Bankruptcy Code, selections from the Bankruptcy Rules Title 18 and Title 28 of the United States Code, Fair Debt Collection Practices Act, and Federal Tax Lien Act. Professors and students will benefit from: • Careful curation of necessary statutory provisions for use in bankruptcy and secured transactions courses avoiding the bulk of unnecessary statutes.
The premier authority on secured transactions, Secured Transactions: A Systems Approach is known for its cutting-edge coverage, dynamic pedagogy, and ease of use for instructors. The Systems Approach gives students the big picture. Straightforward explanations and cases prepare the students to solve real-life problems in the context of actual transactions. A modular structure allows for tremendous flexibility in course design. The materials are divided into bite-sized assignments, making it easier for instructors to make and adjust assignments for class. This problem-based casebook supports the teaching of Article 9 alone or expansion of the course to include Article 9 in the full context of bankruptcy, mortgages, judicial liens, and statutory liens. New to the 9th Edition: Updated throughout, while retaining the same structure. Highly adaptable modular text broken into assignments. Main sections can be taught in any order. New cases throughout (including the Second Circuit’s landmark decision in In re Motors Liquidation). Problem-based approach with ethics integrated. Problems progress from easy to difficult. Professors and students will benefit from: Comprehensive Teacher’s Manual with suggestions for teaching coverage, changes from the prior edition, lists of key concepts for each assignment, and the answers to every question asked in the book. The main sections can be taught in any order. Bite-sized assignments organized for 50-minute or 75-minute classes. Can support ABA-qualified experiential courses. Casebook authors who are happy to engage with adopters and include them as characters in the book. Coverage of non-Article 9 aspects of secured transactions that students will need as lawyers Default problem sets for ease of assignment; extra problems for variety from year to year. Engaging problems with interesting characters and real-world issues, providing all of the information necessary to solve the problems. A real-life approach that prepares students for the practice of law. Clear explanations of every subject – no hiding of the ball. Basic financial literacy information included throughout the book. Focus on how lien systems actually work in practice.
Commercial Transactions: A Systems Approach explores the nuances of transaction law from a systems’ perspective, examining the infrastructure that supports commercial transactions and how lawyers apply the law in real-world situations. The outstanding team of co-authors uses an assignment-based structure that allows professors to adapt the text to a variety of class levels and approaches. Well-crafted problems challenge students’ understanding of the material in this comprehensive, highly teachable text. New to the Seventh Edition: 25 new cases spread across all three major parts of the text More than 50 new problems in the Sales material Updated and revised discussion of proceeds issues in bankruptcy Revisions through the book to reflect new technologies Professors and students will benefit from: Easy-to-teach materials with class sessions that flow naturally from bite-sized assignments, each with a problem set Comprehensive Teachers’ Manual that provides answers to every question we ask Accessible authors who are happy to interact directly and on short notice with adopters Assignment structure that makes it easy to select topics for coverage The opportunity for adopters to become characters in the book Information-rich, concise text Clear explanations of the law and institutions – no hiding of the ball Having all the information students need to solve the problems A focus on the things students need to know to succeed in their future jobs A real-life approach that prepares students for practice
