The New Usury: The Ability-to-Repay Revolution in Consumer Finance

Adam J. Levitin 92 Geo. Wash. L. Rev. 425 American consumer credit regulation is in the midst of a doctrinal revolution. Usury laws, for centuries the mainstay of consumer credit regulation, have been repealed, preempted, or otherwise undermined. At the same time, changes in the structure of the consumer credit marketplace have weakened the traditional alignment...
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Modernizing the Power of the Purse Statutes

Eloise Pasachoff 92 Geo. Wash. L. Rev. 359 Two foundational statutes limit the executive branch’s important and necessary work in executing the budget against the backdrop of congressional control: the Antideficiency Act, dating back to the post-Civil War era, and the Impoundment Control Act, which emerged from the Nixon years. This Article, originally written as an...
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Unjust Enrichment by Algorithm

Ayelet Gordon-Tapiero & Yotam Kaplan 92 Geo. Wash. L. Rev. 305 Social media platforms have become enormously powerful, accumulating wealth at an alarming rate and influencing public opinion with unprecedented efficiency. Platforms use algorithms that promote discriminatory, divisive, extreme, and false content. In recent years, content promoted by social media platforms fueled a series of...
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