Underneath All Are the Contracts

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

Latest News

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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New York Times article: Credit Card Database Is Heroic, and Mystifying

The New York Times explains (05 24 10) how the Federal Reserve Board has introduced an online database listing the terms and conditions of more than 300 credit card issuers to help consumers find a card that best suits their personal finance needs, but which is riddled with fine print and difficult to comprehend language….

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Click-Wrap Agreement – Internet Library of Law and Court Decisions

Summaries of a collection of cases analyzing online contracts. www.internetlibrary.com/topics/click_wrap.cfm

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Susan E. Gindin – Nobody Reads Your Privacy Policy or Online Contract?

Nobody Reads Your Privacy Policy or Online Contract? www.law.northwestern.edu/journals/njtip/v8/n1/1/

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EFF.org – Terms Of (Ab)Use

The time has come to shed light on what these Terms of Service agreements actually say, and what it means to users. www.eff.org/issues/terms-of-abuse

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TOSBack

“TOSBack was created to help you monitor the policies for the websites you use everyday, and show how they change over time.” www.tosback.org/timeline.php

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