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Tobin Center for Economic Policy, Yale University;
Consumer protection law is vital for ensuring that market-based economies work in the economic interest of consumers as well as businesses, and thus to the benefit of civil society. This is the case for online markets just as it is for offline markets. However, despite broad consensus on these points, too little has been done to ensure that the various standards applicable in offline markets are sufficient or adequate to guarantee efficiency and fairness in online markets. This paper outlines eleven key features of online markets that might necessitate standards additional to or different from those that are applicable offline, and provides a menu of possible policies in relation to each. Many of these are general to all online markets, but some are specific to the largest digital platfroms. Many if not most of our policy proposals could be enacted through minor changes to existing law or regulation or through decisional law interpreting existing legislation. Some have already been implemented in some jurisdictions. What is needed in all jurisdictions, however, is a regulator or regulators with sufficient expertise around technical issues such as A/B testing and algorithmic decision-making to understand, anticipate, and remedy the myriad ways that online firms can disadvantage consumers.
Tobin Center for Economic Policy, Yale University;
This paper identifies a set of possible regulations that could be used both to make the search market more competitive and simultaneously ameliorate the harms flowing from Google's current monopoly position. The purpose of this paper is to identify conceptual problems and solutions based on sound economic principles and to begin a discussion from which robust and specific policy recommendations can be drafted.
This is the first comprehensive study regarding the state of automated decision-making in Europe. Experts have looked at the situation at the EU level but also in 12 Member States: Belgium, Denmark, Finland, France, Germany, Italy, Netherlands Poland, Slovenia, Spain, Sweden and the UK. They assessed not only the political discussions and initiatives in these countries but also present a section "ADM in Action" for all states, listing examples of automated decision-making already in use.
How the multibillion-dollar business behind online advertising could reinvent public media, revitalize journalism and strengthen democracy
In February of 2017, the check-cashing industry petitioned the Illinois Department of Financial and Professional Regulation to increase the maximum rate currency exchanges can charge to cash a check in Illinois. Woodstock Institute analyzed income data from 2007 -- the last year in which check-cashing rates were increased -- through 2016 to determine to what degree Illinois households could absorb this increase.
American Civil Liberties Union;
The criminalization of private debt happens when judges, at the request of collection agencies, issue arrest warrants for people who failed to appear in court to deal with unpaid civil debt judgments. In many cases, the debtors were unaware they were sued or had not received notice to show up in court.
Carnegie UK Trust;
As safe spaces in communities that enable access to information, knowledge and culture, public libraries have a clear role to play when it comes to data privacy. It is important that public library users feel confident and well informed about how their data is being collated, stored or shared by the library service and its contractors, or by the online services offered in library buildings.Leading the Way – a guide to privacy for public library staff is designed to support public library staff across the UK to develop and enhance how libraries approach the topic of privacy and play a leading role in advancing the privacy of library users.The guide has been designed to help library staff to consider the kind of data they collate, hold and share about those who engage with their services; and how 'privacy friendly' their systems and resources are. It includes practical steps that can be taken by those seeking to enhance the approach to privacy across different aspects of their service
Center for Economic and Policy Research;
This report updates a version released in June 2016.U.S. private equity fundraising had its best year ever in 2015 -- raising $185 billion. But is the enthusiasm of investors warranted? Do PE buyout funds deliver outsized returns to investors and will they do so in the future? This report answers this question by reviewing the most recent empirical evidence on buyout fund performance; the answer is no. While median private equity buyout funds once beat the S&P 500, they have not done so since 2006 -- despite industry claims to the contrary.
Pew Research Center;
Roughly four-in-ten Americans have personally experienced online harassment, and 62% consider it a major problem. Many want technology firms to do more, but they are divided on how to balance free speech and safety issues online
Testimony of Brent Adams to Illinois Department of Financial and Professional Regulation on Currency Exchange Rates
Testimony of Dory Rand to the Director of the Division of Financial Institutions, Illinois Department of Financial and Professional Regulation, urging the state of Illinois not to increase the maximum rates taht may be charged by Illinois currency exchanges for any check cashing services.
Testimony of Lauren Nolan before the Committee on License and Consumer Protection regarding the proposed ordinance under consideration that would prohibit licensees from refusing to accept cash as payment for goods or services.