CONSUMER LAW CASES AND MATERIALS THIRD EDITIONPDF电子书下载

Chapter 1. Regulation of Voluntary Disclosure 1

Section A. The Common Law Approach— Fraudulent Misrepre-sentations, Omissions and Other Devices 1

Section B. The Statutory Approach—Federal and State 34

Section C. Constitutional Limitations on Advertising Regulation 106

Chapter 2. Compulsory Disclosure of Information 123

Section A. Introduction 123

Section B. Disclosure in Credit Transactions: The Truth in Lend-ing Act 134

Section C. Disclosure in Other Transactions 208

Section D. An Evaluation—Effectiveness of Mandatory Disclosure 217

Chapter 3. Abuses at the Formation of the Contract 221

Section A. The Deal That Is "Too Good to Be True"—Bait and Switch 221

Section B. The Deal That Contemplates Finding Other Suckers—Pyramid Schemes and Referral Sales 238

Section C. In-Home Solicitations and the "Cooling Off’ Period 249

Section D. What Are the Terms of the Deal?—Herein of Shrin-kwrap, Clickwrap, Browsewrap and "Rolling" Con-tracts 260

Chapter 4. Assuring Access to the Market 279

Section A. Credit Reporting 279

Section B. Credit Discrimination 325

Section C. Perspectives: An Evaluation of the Costs and Benefits of Regulation of Access to the Market 396

Chapter 5. Privacy and Consumer Transactions: Solicita-tions and the Collection of Information About Con- sumers 399

Section A. Foundation 399

Section B. Personalized Solicitations 408

Section C. Sale of Consumer Information 435

Section D. Online Privacy 442

Section E. Perspectives 453

Chapter 6. Consumer Accounts: Credit and Debit Cards,and More 456

Section A. Overview 456

Section B. Marketing Credit Cards and Other Payment Services 457

Section C. The "Account" Paradigm: Changes in Terms; Fees and More Fees 470

Section D. Billing Disputes: Account (Mis)management 484

Section E. Unauthorized Use 495

Section F. Emerging Payment Systems and Issues 512

Chapter 7. Cutting Off Consumer Claims and Defenses: Consumer Product Warranties and Third Party Fi-nancing 524

Section A. Introduction 524

Section B. Consumer Product Warranties: The Quest for an Effec-tive Remedy 526

Section C. The Demise (and Rebirth?) of Special Protection to Third-Party Lenders (Holders in Due Course) 584

Chapter 8. Abusive Collection Practices 619

Section A. Foundation 619

Section B. Controls on Collection Abuses Under the Common Law and the Fair Debt Collection Practices Act 630

Section C. Special Issues Arising Under the FDCPA (Lawyers Be- ware: Liability Lies Ahead) 656

Section D. Foreclosing on Security 673

Chapter 9. Predatory Lending (Including Pricing Issues) 681

Section A. Foundation 681

Section B. Perhaps the Oldest Form of Predatory Lending Regula- tion: Usury Laws 681

Section C. General Predatory Lending Statutes 689

Section D. Special Predatory Lending Issues 729

Section E. Perspectives 766

Chapter 10. Private Enforcement of Consumer Rights 768

Section A. How Do Dissatisfied Consumers Behave? 769

Section B. Approaches to Make Dispute Resolution More Afforda-ble for Consumers 772

Section C. Arbitration 804

INDEX 847