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Established Member
Posts: 18
Registered: ‎03-27-2008

Need a Business Law research paper topic

Hey all. Does anybody have any advice on a research paper topic...maybe in the area of consumer credit? It has to be built around a thesis that tackles a legal issue (that maybe makes one say, "that isn't fair") and it must be one that I believe the courts need to rule on. Just throwing that out there since I am experiencing quite a challenge coming up with something myself. Thanks.
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Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

Re: Need a Business Law research paper topic

Credit related? Probably the practice of rate jacking and other AA practices by CCCs (CLDs, added fees, etc.). More specifically, if I wrote a paper, I'd link in the new credit card law in relation to these actions.

Super Contributor
Posts: 8,195
Registered: ‎03-25-2007

Re: Need a Business Law research paper topic

Confusing, non-real credit scores being sold as real?

 

Lack of ability to get real credit scores?

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Established Member
Posts: 18
Registered: ‎03-27-2008

Re: Need a Business Law research paper topic

Good thinking, that was actually one particular area that my wife has dealt with in the past. I just need to focus my thesis on a statement that identifies an actual legal issue and tackle it as one that the courts should address. Thanks for the input. It's an excellent suggestion, and one that I find very intriguing.
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Established Member
Posts: 18
Registered: ‎03-27-2008

Re: Need a Business Law research paper topic

Midnight, I actually started with that particular issue, but I need to nail it down to the legality of the issue. I actually have alot of supporting ideas for expounding on that issue, but I need to get at the heart of the real legal issue, not that it's unfair or even discriminatory. Great thinking though.
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Super Contributor
Posts: 8,195
Registered: ‎03-25-2007

Re: Need a Business Law research paper topic

If false advertising is against the law, you have a legal issue.

 

If telling lies in advertising is "just honest capitalism" then there is no legal issue  Smiley Very Happy

 

 

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Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008

Re: Need a Business Law research paper topic

I think it would be interesting to explore if/what legal remedies exist for the victim of identity fraud/theft perpetrated by a family member on a dependant child, specifically for the purpose of obtaining credit.

 

 

 

Senior Contributor
Posts: 3,240
Registered: ‎04-03-2008

Re: Need a Business Law research paper topic


toddb wrote:
Hey all. Does anybody have any advice on a research paper topic...maybe in the area of consumer credit? It has to be built around a thesis that tackles a legal issue (that maybe makes one say, "that isn't fair") and it must be one that I believe the courts need to rule on. Just throwing that out there since I am experiencing quite a challenge coming up with something myself. Thanks.

How about an important historic subject: the Pecora Commission of the 1930s that was charged with investigating the causes of the Great Depression and proposed far-reaching reforms, many of which were enacted in some form?

 

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Regular Contributor
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Registered: ‎12-22-2009

Re: Need a Business Law research paper topic

How about credit scoring as a risk assessment tool in the insurance industry.  Some states allow it, some don't.  Some companies use it.  Some don't.  Bottom line the question is, Is someone's credit rating indicative of their insurance risk.  To put it in the form of a question...

 

I've never had an accident, but didn't always pay my bills.  Should I pay more than the guy with the accountant and 3 accidents?

 

Just a thought.  Too early to be thinking, I'm going back to my coffee.


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Senior Contributor
Posts: 3,240
Registered: ‎04-03-2008

Re: Need a Business Law research paper topic


bicknar wrote:

How about credit scoring as a risk assessment tool in the insurance industry.  Some states allow it, some don't.  Some companies use it.  Some don't.  Bottom line the question is, Is someone's credit rating indicative of their insurance risk.  To put it in the form of a question...

 

I've never had an accident, but didn't always pay my bills.  Should I pay more than the guy with the accountant and 3 accidents?

 

Just a thought.  Too early to be thinking, I'm going back to my coffee.


And even if a credit score is statistically indicative of a person's insurance risk, is it good public policy to allow insurers to use it?  We do have laws that say some types of information may not be used even if they might have statistical predictive power, such as ethnic origin or genetic information.  Or suppose it turns out to be the case statistically that followers of certain religions live longer because following their rules encourages healthy living; in most places I think it would be illegal for life insurance companies to charge higher rates to people who are not members of such religions.

 

TU 791 02/11/2013, EQ 800 1/29/2011 , EX Plus FAKO 812, EX Vantage Score 955 3/19/2010 wife's EQ 9/23/2009 803
EX always was my highest when we could pull all three
Always remember: big print giveth, small print taketh away
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