Underneath All Are the Contracts

Ralph Nader explains the problem with standard form contracts and introduces faircontracts.org.

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Military Enlistment Form 3286

Contract:Military+Enlistment+DoD+Form+3286.pdf

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Military Enlistment DOD Form 1966

Contract:Military+Enlistment+DoD+Form+1966.pdf

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Military Enlistment DOD Form 4

Contract:Military+Enlistment+DoD+Form+4.pdf

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Military Enlistment Contracts (March 2010)

Introduction             Contracts of adhesion1 may be found in many fields of employment law with varying degrees of guile written into each contractual clause.  All branches of military employment are no different and features several aspects which may make this set of contracts all the more compelling.  First, many military enlisters begin their duty soon…

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Analysis of Various Cell Phone Contract Provisions (03 2010)

Analysis of Various Provisions in Cell-Phone Contracts   I. Introduction A. Background Cell phones are ubiquitous.  They are people’s preferred method of communication, and they are almost essential to surviving in this world.  However, at any given time, most cell-phone users are in a “cell-phone jail.”[1]  They are locked into their cell-phone contracts,[2] so they…

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Summary of Findings re Forced Arbitration in Credit Card Contracts (Summer 2009)

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Citizen Works Comments on Federal Reserve’s Proposed Amendments to Reg Z (Oct. 21, 2009)

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Credit Card Regulations, Highlights of Final Rules 2008

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Credit Card Comparison Chart Amex/Citi/Discover 2009

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Credit Card Accountability, Responsibility and Disclosure Act of 2009 (CARD 2009)

The Credit Card Accountability Responsibility and Disclosure Act of 2009               On May 22, 2009, President Obama signed into law the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act).  The Act imposes restrictions on many credit card issuer practices that have been the subject of criticism over the years.  While most…

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