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All HBS Web
(561)
- News (105)
- Research (372)
- Events (1)
- Multimedia (1)
- Faculty Publications (76)
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- 2020
- Working Paper
Consumer Protection in an Online World: An Analysis of Occupational Licensing
By: Chiara Farronato, Andrey Fradkin, Bradley Larsen and Erik Brynjolfsson
We study the effects of occupational licensing on consumer choices and market outcomes in a large online platform for residential home services. We exploit exogenous variation in the time at which licenses are displayed on the platform to identify the causal effects of...
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Keywords:
Occupational Licensing;
Consumer Protection;
Governing Rules, Regulations, and Reforms;
Consumer Behavior;
Decision Making;
Customer Satisfaction
Farronato, Chiara, Andrey Fradkin, Bradley Larsen, and Erik Brynjolfsson. "Consumer Protection in an Online World: An Analysis of Occupational Licensing." NBER Working Paper Series, No. 26601, January 2020.
- 2010
- Chapter
Consumer Finance Protection
By: Thomas Cooley, Xavier Gabaix, Samuel Lee, Thomas Mertens, Vicki Morwitz, Shelle Santana, Anjolein Schmeits, Stijn Van Nieuwerburgh and Samuel Whitelaw
Cooley, Thomas, Xavier Gabaix, Samuel Lee, Thomas Mertens, Vicki Morwitz, Shelle Santana, Anjolein Schmeits, Stijn Van Nieuwerburgh, and Samuel Whitelaw. "Consumer Finance Protection." In Regulating Wall Street: The Dodd-Frank Act and the New Architecture of Global Finance, edited by Viral V. Acharya, Thomas F. Cooley, Matthew P. Richardson, and Ingo Walter, 73–84. Wiley, 2010.
- Article
The Consumer Financial Protection Bureau: Financial Regulation for the Twenty-First Century
By: Leonard J. Kennedy, Patricia A. McCoy and Ethan S. Bernstein
After existing regulatory systems failed to prevent the recent financial crisis, Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act, a sweeping reform designed to alleviate the crisis and prevent its recurrence. Out of this Act, the Consumer...
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Keywords:
Consumer Financial Protection Bureau;
Dodd-Frank;
CFPB;
Financial Crisis;
Reform;
New Agency;
Market-based Approach;
Evidence-based Analysis;
Innovative Technologies And Transparency Policies;
BEST Practices;
Government and Politics;
Government Administration;
Finance;
Financial History;
Law;
Markets;
Organizations;
Organizational Design;
Business and Government Relations;
Balance and Stability;
Strategy;
Financial Services Industry;
Banking Industry;
United States
Kennedy, Leonard J., Patricia A. McCoy, and Ethan S. Bernstein. "The Consumer Financial Protection Bureau: Financial Regulation for the Twenty-First Century." Cornell Law Review 97, no. 5 (July 2012): 1141–1176.
- January–February 2020
- Article
Consumer Reactions to Drip Pricing
By: Shelle Santana, Steven Dallas and Vicki Morwitz
This research examines how drip pricing—a strategy whereby a firm advertises only part of a product’s price upfront and then reveals additional mandatory or optional fees/surcharges as the consumer proceeds through the buying process—affects consumer choice and...
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Keywords:
Drip Pricing;
Pricing;
Consumer Protection;
Hidden Fees;
Price;
Consumer Behavior;
Perception
Santana, Shelle, Steven Dallas, and Vicki Morwitz. "Consumer Reactions to Drip Pricing." Marketing Science 39, no. 1 (January–February 2020): 188–210.
- March 2009
- Background Note
Note on the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA)
By: Stuart C. Gilson
In 2005, new legislation was passed by the U.S. Congress and signed into law by the President that introduced a number of major amendments to U.S. bankruptcy law, affecting both business and consumer bankruptcies. This legislation, called the Bankruptcy Abuse...
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Keywords:
Government Legislation;
Restructuring;
Personal Finance;
Laws and Statutes;
Insolvency and Bankruptcy;
Corporate Finance
Gilson, Stuart C. "Note on the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA)." Harvard Business School Background Note 209-133, March 2009.
- 06 Mar 2020
- Working Paper Summaries
Consumer Protection in an Online World: An Analysis of Occupational Licensing
- 2022
- Article
Dynamic Pricing Algorithms, Consumer Harm, and Regulatory Response
By: Alexander MacKay and Samuel N. Weinstein
Pricing algorithms are rapidly transforming markets, from ride-sharing apps, to air travel, to online retail. Regulators and scholars have watched this development with a wary eye. Their focus so far has been on the potential for pricing algorithms to facilitate...
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Keywords:
Competition Policy;
Regulation;
Algorithmic Pricing;
Dynamic Pricing;
Economics;
Law And Economics;
Law And Regulation;
Consumer Protection;
Antitrust Law;
Industrial Organization;
Antitrust Issues And Policies;
Technological Change: Choices And Consequences;
Competition;
Policy;
Price;
Governing Rules, Regulations, and Reforms;
Microeconomics;
Duopoly and Oligopoly;
Law
MacKay, Alexander, and Samuel N. Weinstein. "Dynamic Pricing Algorithms, Consumer Harm, and Regulatory Response." Washington University Law Review 100, no. 1 (2022): 111–174. (Direct download.)
- 19 May 2020
- Research & Ideas
Why Privacy Protection Notices Turn Off Shoppers
State’s David Norton, compares the phenomenon to seeing bulletproof glass at a bank. “Bulletproof glass is something meant to protect us, but sometimes its very presence can make us aware of the dangers we hadn’t previously been paying...
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- Article
The Economic Consequences of Bankruptcy Reform
By: Tal Gross, Raymond Kluender, Feng Liu, Matthew J. Notowidigdo and Jialan Wang
A more generous consumer bankruptcy system provides greater insurance against financial risks but may also raise the cost of credit. We study this trade-off using the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA), which increased the costs of...
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Keywords:
Bankruptcy;
Bankruptcy Abuse Prevention And Consumer Protection Act;
Borrowing and Debt;
Credit
Gross, Tal, Raymond Kluender, Feng Liu, Matthew J. Notowidigdo, and Jialan Wang. "The Economic Consequences of Bankruptcy Reform." American Economic Review 111, no. 7 (July 2021): 2309–2341.
- 06 Dec 2022
- Research & Ideas
Latest Isn’t Always Greatest: Why Product Updates Capture Consumers
Because consumers gravitate to merchandise labeled as “updated,” even if the items are not necessarily improved, according to the results. "Once something says ‘revised’ on it, it makes you suspend critical judgment." “After showing...
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- 2017
- Government Testimony
Passenger Right to Record—Petition for Rulemaking
By: Benjamin Edelman and Mike Borsetti
We ask DOT to affirm that passengers have the right to record what they lawfully see and hear on and around aircraft. We explain why such recordings are in the public interest, and we present the troubling experiences of passengers who have tried to record but have...
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Keywords:
Aviation;
Consumer Protection;
Recording;
Video;
Audio;
Privacy;
Social Media;
Air Transportation;
Rights;
Contracts;
Air Transportation Industry
Edelman, Benjamin, and Mike Borsetti. "Passenger Right to Record—Petition for Rulemaking." Government Testimony, U.S. Dept. of Transportation, Office of Aviation Enforcement and Proceedings, June 2017. (docket and public comments.)
- 09 Mar 2020
- Research & Ideas
Warring Algorithms Could Be Driving Up Consumer Prices
to establish a regulatory body made up of digital market experts, similar to the Federal Trade Commission, who would be tasked with monitoring digital price competition and protecting consumers from the...
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- 14 Mar 2011
- Research & Ideas
Keeping Credit Flowing to Consumers in Need
far? A: While the Dodd-Frank Act outlined a broad blueprint for a revamped federal regulatory structure, the details have yet to be determined. The legislation created a new Consumer Financial Protection...
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- 2022
- Working Paper
Omnia Juncta in Uno: Foreign Powers and Trademark Protection in Shanghai's Concession Era
By: Laura Alfaro, Cathy Bao, Maggie X. Chen, Junjie Hong and Claudia Steinwender
We investigate how firms and markets adapt to trademark protection, an extensively used
but under-examined form of IP protection to address asymmetric information, by exploring
a historical precedent: China’s trademark law of 1923. Exploiting unique, newly...
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Keywords:
Trademark;
Firm Dynamics;
Intermediaries;
Intellectual Property Institutions;
Trademarks;
Intellectual Property;
Laws and Statutes;
Outcome or Result;
Organizational Change and Adaptation;
China
Alfaro, Laura, Cathy Bao, Maggie X. Chen, Junjie Hong, and Claudia Steinwender. "Omnia Juncta in Uno: Foreign Powers and Trademark Protection in Shanghai's Concession Era." Harvard Business School Working Paper, No. 22-030, November 2021. (Revised November 2022. Revise and Resubmit American Economic Review.)
- 2011
- Book
Moving Forward: The Future of Consumer Credit and Mortgage Finance
By: Nicolas P. Retsinas and Eric Belsky
The recent collapse of the mortgage market revealed fractures in the credit market that have deep roots in the system's structure, conduct, and regulation. The time has come for a clear-eyed assessment of what happened and how the system should be strengthened and...
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Keywords:
Financial Crisis;
Capital Markets;
Credit;
Financial Markets;
Mortgages;
Personal Finance;
Governing Rules, Regulations, and Reforms;
Demand and Consumers;
Financial Services Industry
Retsinas, Nicolas P., and Eric Belsky, eds. Moving Forward: The Future of Consumer Credit and Mortgage Finance. Brookings Institution Press, 2011.
- Research Summary
Rethinking Brand Contamination: How Consumers Maintain Distinction When Symbolic Boundaries Are Breached"
If consumers view their brands as extensions of themselves, what happens when undesirable consumers adopt these same brands? I address this question by examining an issue that is of great concern to managers of high-status brands: the rampant spread...
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- 22 May 2019
- Research & Ideas
Forgiving Student Loan Debt Leads to Better Jobs, Stronger Consumers
student loans cancelled. National Collegiate, which holds 800,000 private student loans totaling $12 billion, had more than $5 billion of these loans in default as of 2018, according to the Consumer Financial View Details
Keywords:
by Dina Gerdeman
- 25 Jan 2017
- HBS Case
How Should Advertisers Respond to Consumer Demand for Whiter Skin?
think of the role of advertising as providing primes that are psychological in nature as a means of persuasion, you can take something that exists in society—a consumer preference for fair skin—and leverage it for good or for bad.”...
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- 07 Mar 2000
- Research & Ideas
Putting Health Care Consumers in the Driver’s Seat
employees, rapidly rising health-care costs, and the likely loss of existing protection against lawsuits for pain and suffering from medical events. She then disclosed the results of a 1999 KPMG survey of CEOs and View Details
- July 2018 (Revised August 2018)
- Case
Rocky Mountain Condiments: Close Encounters with the Legal System for the First Time
By: Lena G. Goldberg
The founder of a Colorado start-up focused on developing a line of condiments confronts a host of legal issues that threaten the viability of her young enterprise. She is suing a co-packer for, among other things, breach of contract, theft of recipes and trade secrets,...
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Keywords:
Law And Regulation;
Start-ups;
Founders' Agreements;
Cross-Border Jurisdiction;
Torts;
Consumer Protection;
Non-disclosure Agreements;
Intellectual Property Protection;
Fraud;
Legal Remedies;
Law;
Lawsuits and Litigation;
Laws and Statutes;
Business Startups;
Contracts;
Intellectual Property;
Food and Beverage Industry
Goldberg, Lena G. "Rocky Mountain Condiments: Close Encounters with the Legal System for the First Time." Harvard Business School Case 319-029, July 2018. (Revised August 2018.)