Consumer protection – University of Baltimore Law Review

Buy Now, Pay Later, Regulate Never: The CFPB’s Failed Attempt to Govern BNPL Lending

*Colin Livingston I. Introduction “Buy now, pay later” programs have quickly become a popular interest-free credit option, with disproportionately high use “among financially vulnerable consumers.”[1] Retailers offer these programs “through payment platforms like Afterpay, Klarna, and Affirm[,]” allowing consumers to pay for “online or in-store purchases. . . [through] installments over a short period” ofContinue reading “Buy Now, Pay Later, Regulate Never: The CFPB’s Failed Attempt to Govern BNPL Lending”

Federal Price Gouging Ban: A Feasible Solution or Wishful Thinking?

New York Senator Brad Holyman press conference on price gouging

*Jacob Rabinovich I. Introduction In late 2024, in the aftermath of Hurricanes Helene and Milton, approximately 1,200 price gouging complaints were filed across four states.[1] Victims of natural disasters claim business owners and corporation excessively raised the prices of commodities and services like gasoline, groceries, hotels, and repair services.[2] Determining whether consumers face increased pricesContinue reading “Federal Price Gouging Ban: A Feasible Solution or Wishful Thinking?”

Bones of Contention: Reassessing Consumer Expectations in Food Liability Cases

*Shekinah Tony-Oyeleye I. Introduction A recent Ohio Supreme Court decision threatens to upend the landscape of food liability law.[1] The court’s ruling, that a restaurant was not negligent for serving a bone in a “boneless” chicken wing, highlights the tension between consumer expectations and the realities of food preparation and service.[2] The ruling raises crucialContinue reading “Bones of Contention: Reassessing Consumer Expectations in Food Liability Cases”

Ghost Guns in Charm City: Mayor & City Council of Baltimore v. Polymer80, Inc.

*Paige Boyer I. Introduction Ghost guns haunt cities across America.[1] They are as spooky as they sound—ghost guns are untraceable because they lack a serial number and often the purchaser assembles them.[2] In the first four months of 2022, Baltimore Police Department (BPD) recovered 131 ghost guns, double the amount recovered in the same timeContinue reading “Ghost Guns in Charm City: Mayor & City Council of Baltimore v. Polymer80, Inc.”