Making Consumer Finance Work
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Chapman Law Review
Chapman Law Review Volume 21 Board of Editors 2017–2018 Executive Board Editor-in-Chief LAUREN K. FITZPATRICK Managing Editor RYAN W. COOPER Senior Articles Editors Production Editor SUNEETA H. ISRANI MARISSA N. HAMILTON TAYLOR A. KENDZIERSKI CLARE M. WERNET Senior Notes & Comments Editor TAYLOR B. BROWN Senior Symposium Editor CINDY PARK Senior Submissions & Online Editor ALBERTO WILCHES –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Articles Editors ASHLEY C. ANDERSON KRISTEN N. KOVACICH ARLENE GALARZA STEVEN L. RIMMER NATALIE M. GAONA AMANDA M. SHAUGHNESSY-FORD ANAM A. JAVED DAMION M. YOUNG __________________________________________________________________ Staff Editors RAYMOND AUBELE AMY N. HUDACK JAMIE L. RICE CARLOS BACIO MEGAN A. LEE JAMIE L. TRAXLER HOPE C. BLAIN DANTE P. LOGIE BRANDON R. SALVATIERRA GEORGE E. BRIETIGAM DRAKE A. MIRSCH HANNAH B. STETSON KATHERINE A. BURGESS MARLENA MLYNARSKA SYDNEY L. WEST KYLEY S. CHELWICK NICHOLE N. MOVASSAGHI Faculty Advisor CELESTINE MCCONVILLE, Professor of Law CHAPMAN UNIVERSITY HAZEM H. CHEHABI ADMINISTRATION JEROME W. CWIERTNIA DALE E. FOWLER ’58 DANIELE C. STRUPPA BARRY GOLDFARB President STAN HARRELSON GAVIN S. HERBERT,JR. GLENN M. PFEIFFER WILLIAM K. HOOD Provost and Executive Vice ANDY HOROWITZ President for Academic Affairs MARK CHAPIN JOHNSON ’05 JENNIFER L. KELLER HAROLD W. HEWITT,JR. THOMAS E. MALLOY Executive Vice President and Chief SEBASTIAN PAUL MUSCO Operating Officer RICHARD MUTH (MBA ’05) JAMES J. PETERSON SHERYL A. BOURGEOIS HARRY S. RINKER Executive Vice President for JAMES B. ROSZAK University Advancement THE HONORABLE LORETTA SANCHEZ ’82 HELEN NORRIS MOHINDAR S. SANDHU Vice President and Chief RONALD M. SIMON Information Officer RONALD E. SODERLING KAREN R. WILKINSON ’69 THOMAS C. PIECHOTA DAVID W. -
True Conservative Or Enemy of the Base?
Paul Ryan: True Conservative or Enemy of the Base? An analysis of the Relationship between the Tea Party and the GOP Elmar Frederik van Holten (s0951269) Master Thesis: North American Studies Supervisor: Dr. E.F. van de Bilt Word Count: 53.529 September January 31, 2017. 1 You created this PDF from an application that is not licensed to print to novaPDF printer (http://www.novapdf.com) Page intentionally left blank 2 You created this PDF from an application that is not licensed to print to novaPDF printer (http://www.novapdf.com) Table of Content Table of Content ………………………………………………………………………... p. 3 List of Abbreviations……………………………………………………………………. p. 5 Chapter 1: Introduction…………………………………………………………..... p. 6 Chapter 2: The Rise of the Conservative Movement……………………….. p. 16 Introduction……………………………………………………………………… p. 16 Ayn Rand, William F. Buckley and Barry Goldwater: The Reinvention of Conservatism…………………………………………….... p. 17 Nixon and the Silent Majority………………………………………………….. p. 21 Reagan’s Conservative Coalition………………………………………………. p. 22 Post-Reagan Reaganism: The Presidency of George H.W. Bush……………. p. 25 Clinton and the Gingrich Revolutionaries…………………………………….. p. 28 Chapter 3: The Early Years of a Rising Star..................................................... p. 34 Introduction……………………………………………………………………… p. 34 A Moderate District Electing a True Conservative…………………………… p. 35 Ryan’s First Year in Congress…………………………………………………. p. 38 The Rise of Compassionate Conservatism…………………………………….. p. 41 Domestic Politics under a Foreign Policy Administration……………………. p. 45 The Conservative Dream of a Tax Code Overhaul…………………………… p. 46 Privatizing Entitlements: The Fight over Welfare Reform…………………... p. 52 Leaving Office…………………………………………………………………… p. 57 Chapter 4: Understanding the Tea Party……………………………………… p. 58 Introduction……………………………………………………………………… p. 58 A three legged movement: Grassroots Tea Party organizations……………... p. 59 The Movement’s Deep Story…………………………………………………… p. -
Too Big to Fail — U.S. Banks' Regulatory Alchemy
Journal of Business & Technology Law Volume 14 | Issue 2 Article 2 Too Big to Fail — U.S. Banks’ Regulatory Alchemy: Converting an Obscure Agency Footnote into an “At Will” Nullification of Dodd-Frank’s Regulation of the Multi-Trillion Dollar Financial Swaps Market Michael Greenberger Follow this and additional works at: https://digitalcommons.law.umaryland.edu/jbtl Recommended Citation Michael Greenberger, Too Big to Fail — U.S. Banks’ Regulatory Alchemy: Converting an Obscure Agency Footnote into an “At Will” Nullification of Dodd-Frank’s Regulation of the Multi-Trillion Dollar Financial Swaps Market, 14 J. Bus. & Tech. L. 197 () Available at: https://digitalcommons.law.umaryland.edu/jbtl/vol14/iss2/2 This Article is brought to you for free and open access by the Academic Journals at DigitalCommons@UM Carey Law. It has been accepted for inclusion in Journal of Business & Technology Law by an authorized editor of DigitalCommons@UM Carey Law. For more information, please contact [email protected]. Too Big to Fail—U.S. Banks’ Regulatory Alchemy: Converting an Obscure Agency Footnote into an “At Will” Nullification of Dodd-Frank’s Regulation of the Multi-Trillion Dollar Financial Swaps Market MICHAEL GREENBERGER*©1 ΎLaw School Professor, University of Maryland Carey School of Law, and Founder and Director, University of Maryland Center for Health and Homeland Security (“CHHS”); former Director, Division of Trading and Markets, U.S. Commodity Futures Trading Commission. The Institute for New Economic Thinking (“INET”) funded and published this article as a working paper on the Social Sciences Research Network on June 19, 2018 at https://www.ineteconomics.org/uploads/papers/WP_74.pdf. -
Terrorizing Gender: Transgender Visibility and the Surveillance Practices of the U.S
Terrorizing Gender: Transgender Visibility and the Surveillance Practices of the U.S. Security State A Dissertation SUBMITTED TO THE FACULTY OF UNIVERSITY OF MINNESOTA BY Mia Louisa Fischer IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF DOCTOR OF PHILOSOPHY Dr. Mary Douglas Vavrus, Co-Adviser Dr. Jigna Desai, Co-Adviser June 2016 © Mia Louisa Fischer 2016 Acknowledgements First, I would like to thank my family back home in Germany for their unconditional support of my academic endeavors. Thanks and love especially to my Mom who always encouraged me to be creative and queer – far before I knew what that really meant. If I have any talent for teaching it undoubtedly comes from seeing her as a passionate elementary school teacher growing up. I am very thankful that my 92-year-old grandma still gets to see her youngest grandchild graduate and finally get a “real job.” I know it’s taking a big worry off of her. There are already several medical doctors in the family, now you can add a Doctor of Philosophy to the list. I promise I will come home to visit again soon. Thanks also to my sister, Kim who has been there through the ups and downs, and made sure I stayed on track when things were falling apart. To my dad, thank you for encouraging me to follow my dreams even if I chased them some 3,000 miles across the ocean. To my Minneapolis ersatz family, the Kasellas – thank you for giving me a home away from home over the past five years. -
Ref. BOR-12H, Page 1 of 19 U.S
Harry Reid Harry Mason Reid (/riːd/; born December 2, 1939) is a retired Harry Reid American attorney and politician who served as a United States Senator from Nevada from 1987 to 2017. He led the Senate's Democratic Conference from 2005 to 2017 and was the Senate Majority Leader from 2007 to 2015. Reid began his public career as the city attorney for Henderson, Nevada before winning election to the Nevada Assembly in 1968. Reid's former boxing coach, Mike O'Callaghan, chose Reid as his running mate in the 1970 Nevada gubernatorial election, and Reid served as Lieutenant Governor of Nevada from 1971 to 1975. After being defeated in races for the United States Senate and the position of mayor of Las Vegas, Reid served as chairman of the Nevada Gaming Commission from 1977 to 1981. From 1983 to 1987, Reid represented Nevada's 1st district in the United States House of Representatives. Senate Majority Leader Reid won election to the United States Senate in 1986 and served in In office the Senate from 1987 to 2017. He served as the Senate Democratic January 3, 2007 – January 3, 2015 Whip from 1999 to 2005 before succeeding Tom Daschle as Senate Deputy Dick Durbin Minority Leader. The Democrats won control of the Senate after the 2006 United States Senate elections, and Reid became the Preceded by Bill Frist Senate Majority Leader in 2007. He held that position for the last Succeeded by Mitch McConnell two years of George W. Bush's presidency and the first six years of Senate Minority Leader Barack Obama's presidency. -
Orchestrating Public Opinion
Paul ChristiansenPaul Orchestrating Public Opinion Paul Christiansen Orchestrating Public Opinion How Music Persuades in Television Political Ads for US Presidential Campaigns, 1952-2016 Orchestrating Public Opinion Orchestrating Public Opinion How Music Persuades in Television Political Ads for US Presidential Campaigns, 1952-2016 Paul Christiansen Amsterdam University Press Cover design: Coördesign, Leiden Lay-out: Crius Group, Hulshout Amsterdam University Press English-language titles are distributed in the US and Canada by the University of Chicago Press. isbn 978 94 6298 188 1 e-isbn 978 90 4853 167 7 doi 10.5117/9789462981881 nur 670 © P. Christiansen / Amsterdam University Press B.V., Amsterdam 2018 All rights reserved. Without limiting the rights under copyright reserved above, no part of this book may be reproduced, stored in or introduced into a retrieval system, or transmitted, in any form or by any means (electronic, mechanical, photocopying, recording or otherwise) without the written permission of both the copyright owner and the author of the book. Every effort has been made to obtain permission to use all copyrighted illustrations reproduced in this book. Nonetheless, whosoever believes to have rights to this material is advised to contact the publisher. Table of Contents Acknowledgments 7 Introduction 10 1. The Age of Innocence: 1952 31 2. Still Liking Ike: 1956 42 3. The New Frontier: 1960 47 4. Daisies for Peace: 1964 56 5. This Time Vote Like Your Whole World Depended On It: 1968 63 6. Nixon Now! 1972 73 7. A Leader, For a Change: 1976 90 8. The Ayatollah Casts a Vote: 1980 95 9. Morning in America: 1984 101 10. -
Cover Page Template.Indd
THE APRIL 2016 SENTRY ISSUE 6 VOLUME 45 Inside: FBI Hacks page 2, Rebel Superhero page 3, Behind the Scenes page 4, Allergies page 7 The Life of a Teen Mom Prom Recap future of Ramirez, but for the family that was created. Apart from going to high school, Ramirez is also attending college courses adding, “I’m doing it mostly because I’m having a baby and it’s what is inspiring me to work harder.” Since her marriage, Ramirez’s free time has become somewhat limited; once or twice a month, she goes to the mall or meets Dominick Crittenden, Kyndal Williamson, Cruz Vasquez, Amanda Kelley, with friends; although, usually Dominick Mendoza, Stephanie Dilbone, Will Vermilyea, Chloe Walker, she attends doctor appointments, Carlos Pimentel, Jordan Trippett, Landon Matta, Alina Bitter, JJ Roper, goes to the bank, and pays bills. Bailey Kachel, Colin Meyer, Emily Matteson Ramirez comes home to an empty house; her husband arrives at about 10 o’clock, due to his long shift and their need for money. Fun Facts “He wants to create a better future The average boy pays $325 for Prom. for me and my baby,” started Ramirez. The average girl pays $633 for Prom. Although alone most of the time after school, Ramirez acknowledges that The average shared costs are $487 for Prom. money is their main concern at the All of these combined amounts to an average of time, and it will be temporary because $1445 spent on Prom for one couple. she will be working processing blueberries during the summer. -
Campaign Finance and Its Influence Over the Political Process and Public Policy, 52 UIC J
UIC Law Review Volume 52 Issue 1 Article 8 2018 Money in Politics: Campaign Finance and Its Influence Over the Political Process and Public Policy, 52 UIC J. Marshall L. Rev. 185 (2018) Conrad Foreman Follow this and additional works at: https://repository.law.uic.edu/lawreview Part of the Election Law Commons Recommended Citation Conrad Foreman, Money in Politics: Campaign Finance and Its Influence Over the Political Process and Public Policy, 52 UIC J. Marshall L. Rev. 185 (2018) https://repository.law.uic.edu/lawreview/vol52/iss1/8 This Comments is brought to you for free and open access by UIC Law Open Access Repository. It has been accepted for inclusion in UIC Law Review by an authorized administrator of UIC Law Open Access Repository. For more information, please contact [email protected]. MONEY IN POLITICS: CAMPAIGN FINANCE AND ITS INFLUENCE OVER THE POLITICAL PROCESS AND PUBLIC POLICY CONRAD FOREMAN* I. INTRODUCTION: SYSTEMIC CORRUPTION .......... 186 A. People Hate Politicians (For Good Reason) ............186 II. BACKGROUND: CAMPAIGN FINANCE REGULATION AND ROLLBACK........................................................... 190 A. Concern About Corruption: The First Calls for Campaign Finance Reform ......................................190 B. Unlimited Spending in the Political Process: How We Got Here ....................................................................192 1. The First Major Blow to Campaign Finance Regulation ..........................................................192 2. Planting Seeds for the Abolition of Spending Limits ..................................................................193 3. Opening the Floodgates: Citizens United and Its Progeny ...............................................................194 a. Unlimited Money: Super-PACs and Elimination of Aggregate Contribution Limits ........................................................199 C. Alternative Models: Public Funding in the States .202 III. ANALYSIS: WE DO NOT LIVE IN A DEMOCRACY .. 205 A. Financial Filtration and the Funding Advantage ..205 B. -
MAPPING the RESISTANCE Insurgence and Polarization Between 2016 and 2020
MAPPING THE RESISTANCE Insurgence and Polarization Between 2016 and 2020 By Ethan Young Table of Contents Up Against Trump: From Fragmentation to Unity..........................................................................1 Mapping the Resistance Insurgence and Polarization Between 2016 and 2020.............................................................2 By Ethan Young Power and Resistance..................................................................................................3 Political Anatomy of the Resistance..........................................................................................5 Center-right and Centrist Democrats..........................................................................5 The Democrats and the Left: Social Movements.......................................................8 Finding a Focal Point....................................................................................................13 The Union Dilemma.....................................................................................................14 The Democrats and the Left: Political Action...........................................................15 The Socialist Dilemma.................................................................................................18 Political Problems of the Resistance........................................................................................20 What Workers’ Movement?.........................................................................................22 United Front -
For the People Act’ by Wendy Weiser, Daniel I
Congress Must Pass the ‘For the People Act’ By Wendy Weiser, Daniel I. Weiner, and Dominique Erney UPDATED APRIL 1, 2021 merican democracy urgently needs repair. donors last year, the most expensive campaigns in Amer- We now have a historic opportunity to bring ican history were still largely bankrolled by a small coterie A about transformative change. In both houses of of individual megadonors and entrenched interests, many Congress, the For the People Act — H.R. 1 in the House of whom were able to keep their identities secret from and S. 1 in the Senate — was designated as the first bill, a voters. top priority this session. These problems were more extreme this cycle, but they This historic legislation responds to twin crises facing are certainly not new. For decades, citizens’ voices have our country: the ongoing attack on democracy — reflected been silenced through voter suppression, gerrymander- in the assault on the Capitol on January 6 and the subse- ing, and deceptive tactics. Wealthy campaign donors quent flood of vote suppression bills across the country maintain outsized sway over policy. And the guardrails — and the urgent demand for racial justice. It is based on against discrimination, corruption, and manipulation of the key insight that the best way to defend democracy is the system for personal gain have all been cast aside or to strengthen democracy. If enacted, it would be the most eroded. The virulent coronavirus, whose worst effects in significant voting rights and democracy reform in more terms of both health and the economy have fallen dispro- than half a century. -
Confronting the Cost of Trump's Corruption to American Families
GETTY/BILL PUGLIANO Confronting the Cost of Trump’s Corruption to American Families By Sam Berger, Liz Kennedy, and Diana Pilipenko June 2018 WWW.AMERICANPROGRESS.ORG Confronting the Cost of Trump’s Corruption to American Families By Sam Berger, Liz Kennedy, and Diana Pilipenko June 2018 Contents 1 Introduction and summary 5 Corruption creates national security risks 8 Corruption threatens the economic security of hardworking families 11 Corruption warps policy priorities to favor the politically connected 13 Corruption leads to waste and incompetence in government 17 Corruption is not the norm for businesses in America 21 Corruption corrodes the foundations of a free and fair society 23 Recommendations 31 Conclusion 32 About the authors 33 Endnotes Introduction and summary One of the few constants throughout the Donald J. Trump administration has been corruption. Since his first day as president, when Trump took the wholly unprecedented step of refusing to divest1 from his private businesses, his administration has been characterized by an unending effort by him, his family, and his senior advisers to abuse their political power for personal gain. Of course, those efforts started long before Trump was elected; in just one example, Trump had the federal government pay him more than $1.5 million2 for the Secret Services’ use of his private plane during the campaign. These efforts to enrich himself and those around him continued through the inauguration, in which Trump abandoned past practice to allow for unlimited donations from wealthy individuals and corporations so he could raise record sums—reportedly more than $107 million. He then used that money to help his friends, including paying a company owned by Melania Trump’s friend and senior advisor, $26 million3 to help plan the event. -
The Left Versus the Left: Progressive Media Is Filling the Void
The Left Versus the Left: Progressive media is filling the void It is commonly understood that there is a bias in the television news media with Fox News on the right and MSNBC and their ilk on the left, but the real conflict is between the corporate left broadcast media and the independent progressive left media — a conversation many might not be aware is happening. What divides the two camps is simple: It comes down to where you get your news. Claiming that MSNBC and CNN, among others, represent the ideas of the left shows a misunderstanding that most people under 30 get their news online. More than 39 million people have cut the cord and no longer have access to cable. While left-leaning corporate broadcast media has been consumed with Russian conspiracies (albeit appropriate, given our corrupt commander-in-chief), a new independent left has emerged. Provided by podcasts, left-wing magazines and YouTube channels, this new left is less likely to be controlled by corporate interests and presents a world-view different from their corporate counterparts. If you get your news from MSNBC you might think that the Russiagate case was a slam dunk, Bernie Sanders has no shot of winning, the Ukraine investigation is the most important story of our time and Nancy Pelosi is the first line of defense against Donald Trump. Get your news online and you’d see the holes on the Russiagate story, learn that Bernie Sanders has been consistently second in the polls and has the best chance of beating Trump in the 2020 election.