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Cargando... More Than You Wanted to Know: The Failure of Mandated Disclosurepor Omri Ben-Shahar
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Inscríbete en LibraryThing para averiguar si este libro te gustará. Actualmente no hay Conversaciones sobre este libro. The idea of recommending a book about the mandatory disclosure wordings in contracts is almost unthinkable. Who could be interested in such a dry subject? This book, however, makes this dry topic interesting and explains the importance of this topic to everyone. Of course, since a picture is worth a thousand words, the best thing in the book is a photo of a printout of the Terms and Conditions from the Apple iTunes store. The printout, in Font 8, is many meters long which graphically makes the point about the impossibility of actually reading every set of terms you are confronted with. sin reseñas | añadir una reseña
Perhaps no kind of regulation is more common or less useful than mandated disclosure-requiring one party to a transaction to give the other information. It is the iTunes terms you assent to, the doctor's consent form you sign, the pile of papers you get with your mortgage. Reading the terms, the form, and the papers is supposed to equip you to choose your purchase, your treatment, and your loan well. More Than You Wanted to Know surveys the evidence and finds that mandated disclosure rarely works. But how could it? Who reads these disclosures? Who understands them? Who uses them to make better choices? Omri Ben-Shahar and Carl Schneider put the regulatory problem in human terms. Most people find disclosures complex, obscure, and dull. Most people make choices by stripping information away, not layering it on. Most people find they can safely ignore most disclosures and that they lack the literacy to analyze them anyway. And so many disclosures are mandated that nobody could heed them all. Nor can all this be changed by simpler forms in plainer English, since complex things cannot be made simple by better writing. Furthermore, disclosure is a lawmakers' panacea, so they keep issuing new mandates and expanding old ones, often instead of taking on the hard work of writing regulations with bite. Timely and provocative, More Than You Wanted to Know takes on the form of regulation we encounter daily and asks why we must encounter it at all. No se han encontrado descripciones de biblioteca. |
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Google Books — Cargando... GénerosSistema Decimal Melvil (DDC)346.7302Social sciences Law Private Law North America United StatesClasificación de la Biblioteca del CongresoValoraciónPromedio:
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Regulators want to ensure that you have been informed about every eventuality. Unfortunately, they have created a monster that nobody reads which means that nobody is really informed. This is very much in the interest of vendors since it allows them to demonstrate that the customer has been informed and has no grounds to sue them.
The book is well written and genuinely interesting, despite its topic. The most entertaining thing in the book is a photo of a printout of the iTunes Terms that was hung up in the Chicago law school entrance way. The professors that wrote the book admit that they clicked accept without reading the terms and also admit that they had trouble understanding some of the terms themselves.
The book is a clear statement of how broken our contract law system has become. ( )