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This provocative and accessible narrative recounts the inside story of how a broad-based people's campaign was mobilized and subsequently succeeded in pushing Congress to create a consumer financial regulator with clout. What would Congress do—if anything—to tame Wall Street and the nation's lenders following the financial meltdown of 2008? This book tells the true story of how an alliance of consumer, civil rights, labor, fair lending, and other progressive groups emerged to effectively challenge Wall Street and its official protectors and to win substantial new legislative reforms—actions that resulted in the Dodd-Frank Act and its path-breaking Consumer Financial Protection Bureau (CFPB). Based largely on in-depth interviews with the leading activists involved in the campaign, Financial Justice: The People's Campaign to Stop Lender Abuse taps into the world of contemporary citizen movements to present evidence into the conditions that determine the success and failure of social movement campaigns. It goes well beyond general, global variables, such as \"effective management,\" to show how the formal and informal rules adopted by a campaign can serve to preclude fragmentation and incoherence.

This provocative and accessible narrative recounts the inside story of how a broad-based people's campaign was mobilized and subsequently succeeded in pushing Congress to create a consumer financial regulator with clout

For decades, the individual health insurance market failed to provide consumers adequate or affordable health coverage. The Affordable Care Act (ACA) sought to change this state of affairs, establishing a new Patient's Bill of Rights and instituting other protections that require insurers to make comprehensive coverage readily accessible. However, recent reports have begun to document health plans' violations of the ACA, such as their failure to pay consumers their required refunds or the illegal imposition of waiting periods for transplant services. Although the ACA preserves a role for states in implementing and enforcing the law, state remedies are often lacking. For instance, many state consumer protection laws do not apply to insurance, while traditional breach of contract claims only provide for recourse when a health insurance policy expressly incorporates ACA provisions. As a result, a critical gap in the law has come to light: the absence of a private right of action. This Note proposes that state courts can address this gap by finding that the sale of individual health insurance comes with an implicit and legally enforceable promise that the policy and insurer administering it are in full compliance with the ACA. In other words, this Note urges courts to establish an \"implied warranty of legality\" in the context of individual health insurance. Modeled on the implied warranty of habitability, this approach would correct for power imbalances within this market. It would also promote individual rights by empowering consumers to sue when they have been wronged and foster civic engagement by enabling consumers to play an active role in the enforcement of public law. The implied warranty of legality would also have redistributive effects, allowing for the costs of noncompliance to be shared more evenly across the market. Looking beyond the ACA, the implied warranty of legality should also be applied in other regulated markets with similar dynamics, or, if the ACA is scaled back or repealed, to enforce state health insurance rules that seek to protect consumers from unlawful insurer practices. [web URL: http://www.yalelawjournal.org/note/private-enforcement-of-the-affordable-care-act-toward-an-implied-warrant-of-legality-in-health-insurance]

In June 2011, the United States Supreme Court unanimously ruled that North Carolina's courts do not have jurisdiction over claims against a U.S. corporation's foreign subsidiaries arising from the deaths of U.S. citizens in a bus crash in France, is featured. The accident allegedly resulted from the failure of a tire manufactured by the corporation's Turkish subsidiary. Goodyear Dunlop Tires Operations, S.A. v. Brown involved the deaths of two North Carolina teenagers when a bus overturned, allegedly because of the failure of a tire manufactured by a Turkish subsidiary of the Goodyear Tire & Rubber Company.

In this book, authors from around the world reveal the range of tactics used across the corporate world that ultimately favor the bottom line over the greater good.

In this connection, the EU delegation noted that the Council, in making a decision, will take into account the outcome of the rulemaking process recently initiated by the U.S. Department of Transportation to expand opportunities for foreign citizens to invest in and participate in the management of U.S. air carriers.

Although at different stages of development, the countries of the Western Balkans—Albania, Bosnia and Herzegovina, the former Yugoslav Republic of Macedonia, Montenegro, and Serbia—face similar challenges in transforming and modernizing their agricultural food production (agri-food) sectors. Their rural sectors have lagged behind the rest of the economy in growth and poverty reduction, their agri-food sectors are undercapitalized and highly fragmented, and their agro-processing capacities limited. Agricultural trade deficits are widening, climate change is posing increasing risks to farm incomes, and low-cost imports and changing consumer preferences are further eroding competitiveness. Added to this scenario are the challenges and opportunities of adopting the EU 'acquis communautaire' relating to agriculture. Based on recent World Bank reports prepared in collaboration with the Food and Agriculture Organization of the United Nations and the European Commission Directorate General for Agriculture and Rural Development, 'The Changing Face of Rural Space: Agriculture and Rural Development in the Western Balkans' identifies what is constraining agricultural competitiveness in these countries, examines public expenditures in agriculture, and diagnoses key challenges for agricultural policy makers. The book expands on previous findings to provide a strategic policy framework for transforming and modernizing the agri-food sector and, in the context of region's ongoing process of integration with the European Union, creating a dynamic rural space in the Western Balkans. The book offers Western Balkan governments and international donors a shared vision of the goals and directions their agriculture and rural development policies and programs might take.

Business has a timely opportunity - as well as a responsibility - to help shape society by modeling ethical conduct and civic engagement. On a local level, businesses can help their workers become more engaged in the community. Companies can conduct volunteer days, when teams of employees work together on community improvement projects; provide matching grants to employee contributions; and create a culture where senior leadership demonstrates the importance of community service. Internationally, U.S. multinational companies can play a progressive role as well. Corporate leaders must stand up for human rights and freedom of association; encourage responsible open trade and environmental stewardship; and support educational and employment opportunities for under-served populations, especially women and local minorities.

This article examines the sociological significance of the concept of \"environmental justice\" for grassroots groups responding to toxic contamination in their local communities. Taking into account nationwide mobilization patterns in such communities, the author documents a precedent-setting episode in the city of Jacksonville, Arkansas, where citizen protests and support from national environmental groups led the Environmental Protection Agency to withdraw three Technical Assistance Grants inappropriately awarded to a group with links to a polluting industry, and subsequently to rewrite the rules for participation in such grants. As the first such challenge nationally, the Jacksonville scenario is an important \"test case\" and permits a theoretical and practical evaluation of the relationship between social groups, technology, and the governmental regulatory process. More particularly, it gives insight into the Technical Assistance Grants program, which was set up to enable citizens living close to contaminated sites to interpret and evaluate technical information relating to such sites, but which has been undercut by a weak EPA and cooptation efforts by industries. The article concludes with an exploration of the concept of community in relation to the new construction of environmental justice engaged in by grassroots groups fighting contamination locally and nationally.