A public debate exists whether the flow of consumer information should be restricted, and whether privacy laws — such as the Gramm-Leach-Bliley Act for financial institutions — should be amended. We offer a welfare comparison of the three main current policies towards consumer privacy — anonymity, opt in, and opt out — within a two-period address model. These privacy policies shape a firm’s abi...

These comments are prepared with the aim of clarifying the contribution, insights, and context of the academic research we have done in the area of digital privacy. We have submitted a similar document in response to the FTC Staff Report on ‘Protecting Consumer Privacy in an Era of Rapid Change: A Proposed Framework for Businesses and Policymakers’. In terms of the specific questions asked in t...

The primary responsibility of the Chief Privacy Officer (CPO) is to protect online consumer privacy by developing an organization’s privacy policy and ensuring compliance with privacy laws and regulations. However, the explosive growth of internet use for business has brought about an escalation of concerns including reduced consumer confidence in internet-related business activities, risk of f...

Journal of Texas Consumer Law onsumer Protection has its deep roots in the rich soil of Indian civilization, which dates back to 3200 B.C. In ancient India, human values were cherished and ethical practices were considered of great importance. However, the rulers felt that the welfare of their subjects was the primary area of concern. They showed keen interest in regulating not only the social ...

What if consumer contracts were legally enforceable only against the consumers, but not against the business? This paper, part of my project on the ‘myths of consumer protection,’ describes a regime of ‘one-way contracts’–contracts between consumers and business to which only consumers are bound, the business is not. A breaching business would face no contractual liability. The paper argues tha...