Underneath All Are the Contracts
Ralph Nader explains the problem with standard form contracts and introduces faircontracts.org.
Latest News
Model Payday Loan Legislation
This model state statute, published in October, 2000 by the AARP, contains many of the provisions that have been repeatedly proposed and rejected by Congress. Important provisions include; a $300 maximum loan amount, 36% per annum maximum interest rate, and prohibiting rollovers.
Stopping the Payday Loan Trap: Alternatives that Work, Ones that don’t
This report, created and published by the National Consumer Law Center, discusses the various characteristics that alternatives to payday loans must possess. It also takes a close look at the current alternatives available and how they compare to payday loans. Additionally, the report contains a history of the often called-for 36% maximum APR on small…
Past Proposed Federal Payday Loan Legislation
This chart summarizes the past federal payday lending legislation from 1999-2010.
Choice of Venue in Software Agreements
Choice of venue provisions in a warranty, contract, or software agreement may be unenforceable under certain circumstances. Where a software company had already made a contract for the sale of the software and simply included the choice of venue information with the shipment of the software, the Kansas Supreme Court held that it was unenforceable, as…
Express and Implied Warranties
There are several types of warranties recognized under the law. Warranties are generally divided into two main groups: express warranties and implied warranties. Express warranties, as their name suggests, are expressly made by the seller or manufacturer of a product. Generally, express warranties are made in writing, but they need not be in order to…
Affinity Organizations and Credit Cards – A sample study: AAA, AARP, AFL-CIO
Affinity Organizations Contractual Comparisons 1. Introduction Affinity organizations present a unique issue in the field of contracts. Affinity organizations are defined as typically non-profit organizations which offer their subscribing members benefits such as discounts to partnering businesses such as insurance companies and retail stores.1 These organizations may cater to a specific demographic (e.g. AARP),…
Consumer, Labor & Civil Rights Groups Support the Arbitration Fairness Act
Read the coalition letter to The Honorable John Conyers Jr., Chairman, and The Honorable Lamar Smith, Ranking Member, of the U.S. House of Represenatives Committee on the Judiciary, dated July 26, 2010, in support of the Aribtration Fairness Act of 2009, H.R. 1020.
The Economics of Privacy Pricing
When you have privacy, you value it more. But when the starting point is that you don’t have privacy, you value privacy far less. http://bits.blogs.nytimes.com/2010/07/19/the-economics-of-privacy-pricing/ Privacy
Docs seek gag orders to stop patients’ reviews
“Some doctors have started fighting back against ugly Internet reviews by asking patients to abide by what are effectively gag orders that bar them from posting negative comments online.” http://www.msnbc.msn.com/id/29497619/ freedom of speech, abusive terms