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This short paperback, developed from the casebook Information Privacy Law,contains key cases and materials focusing on privacy issues related to consumer privacy and data security. This book is designed for use in courses and seminars on: Cyberlaw Law and technology Privacy law Information law Consumer law New to the Third Edition: CCPA, biometric privacy laws FTC Facebook Cambridge Analytica case United States v. Gratkowski (Bitcoin and the Fourth Amendment) In re Vizio, Inc. Additional material about TCPA litigation, including Stoops v. Wells Fargo Bank Additional material on the FCC Act Additional material on the Video Privacy Protection Act Barr v. American Association of Political Consultants Topics covered include: Big Data, financial privacy, FCRA, GLBA, FTC privacy and security regulation Identity theft, online behavioral advertising First Amendment limitations on privacy regulation Data breaches, data breach notification statutes Privacy of video watching and media consumptions CFAA, enforcement of privacy policies, marketing use of data, and more
Businesses continue to design and implement a variety of information systems that facilitate the creation, aggregation, and provision of product-related information in order to increase the role that quality information is playing in consumers’ decision-making processes. Consumer Information Systems and Relationship Management: Design, Implementation, and Use highlights empirical research, theoretical frameworks, and relevant models on the understanding and implementation of consumer information systems. By covering consumer perceptions of practicality and ease of use, this book is essential for practitioners in business environments and strategic management, meeting consumer needs through the use of digital and Web-based technologies as well as recent empirical research findings and design and implementation of innovative information systems. This book is part of the Advances in Marketing, Customer Relationship Management, and E-Services series collection.
Big Data collected by customer-facing organisations – such as smartphone logs, store loyalty card transactions, smart travel tickets, social media posts, or smart energy meter readings – account for most of the data collected about citizens today. As a result, they are transforming the practice of social science. Consumer Big Data are distinct from conventional social science data not only in their volume, variety and velocity, but also in terms of their provenance and fitness for ever more research purposes. The contributors to this book, all from the Consumer Data Research Centre, provide a first consolidated statement of the enormous potential of consumer data research in the academic, commercial and government sectors – and a timely appraisal of the ways in which consumer data challenge scientific orthodoxies. Praise for Consumer Data Research 'An insightful, state-of-the-art guide into the social and commercial value of applying geographical thinking to the study of consumer data.' Professor Richard Harris, University of Bristol 'An excellent guide to leveraging the value of academic research on valid data. Partnerships based around consumer data should be encouraged and supported by all and their outputs used to better the way we manage the world we live in.' Bill Grimsey, retailer and author of The Vanishing Highstreet 'The use of data from everyday consumer transactions is a potential game-changer for understanding economic and social patterns and trends. This is an excellent overview of the field.' Dr.Tom Smith, Managing Director, Office for National Statistics Data Science Campus
The first consumer credit bureaus appeared in the 1870s and quickly amassed huge archives of deeply personal information. Today, the three leading credit bureaus are among the most powerful institutions in modern life—yet we know almost nothing about them. Experian, Equifax, and TransUnion are multi-billion-dollar corporations that track our movements, spending behavior, and financial status. This data is used to predict our riskiness as borrowers and to judge our trustworthiness and value in a broad array of contexts, from insurance and marketing to employment and housing. In Creditworthy, the first comprehensive history of this crucial American institution, Josh Lauer explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. By revealing the sophistication of early credit reporting networks, Creditworthy highlights the leading role that commercial surveillance has played—ahead of state surveillance systems—in monitoring the economic lives of Americans. Lauer charts how credit reporting grew from an industry that relied on personal knowledge of consumers to one that employs sophisticated algorithms to determine a person's trustworthiness. Ultimately, Lauer argues that by converting individual reputations into brief written reports—and, later, credit ratings and credit scores—credit bureaus did something more profound: they invented the modern concept of financial identity. Creditworthy reminds us that creditworthiness is never just about economic "facts." It is fundamentally concerned with—and determines—our social standing as an honest, reliable, profit-generating person.
Provides an in-depth overview of the Federal Reserve System, including information about monetary policy and the economy, the Federal Reserve in the international sphere, supervision and regulation, consumer and community affairs and services offered by Reserve Banks. Contains several appendixes, including a brief explanation of Federal Reserve regulations, a glossary of terms, and a list of additional publications.
This volume considers the impact of technological innovation on the foundations of consumer advocacy, contracting behaviour, control over intellectual capital and information privacy. A unique and timely perspective on these issues is presented by internationally renowned experts who provide novel approaches to the question of what consumer protection might consist of in the context of technological innovation.
When people encounter consumer goods—sugar, clothes, phones—they find little to no information about their origins. The goods will thus remain anonymous, and the labor that went into making them, the supply chain through which they traveled, will remain obscured. In this book, Tad Skotnicki argues that this encounter is an endemic feature of capitalist societies, and one with which consumers have struggled for centuries in the form of activist movements constructed around what he calls The Sympathetic Consumer. This book documents the uncanny similarities shared by such movements over the course of three centuries: the transatlantic abolitionist movement, US and English consumer movements around the turn of the twentieth century, and contemporary Fair Trade activism. Offering a comparative historical study of consumer activism the book shows, in vivid detail, how activists wrestled with the broader implications of commodity exchange. These activists arrived at a common understanding of the relationship between consumers, producers, and commodities, and concluded that consumers were responsible for sympathizing with invisible laborers. Ultimately, Skotnicki provides a framework to identify a capitalist culture by examining how people interpret everyday phenomena essential to it.
Collects the transcripts of a series of lectures given by Federal Reserve Chairman Ben Bernanke about the 2008 financial crisis as part of a course at George Washington University on the role of the Federal Reserve in the economy.
Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.