Making Good Disclosure


Book Description




More Than You Wanted to Know


Book Description

How mandated disclosure took over the regulatory landscape—and why it failed 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.




Full Disclosure


Book Description

"An unflinchingly honest, eye-opening, heartful story that's sure to keep readers talking." --Angie Thomas, #1 New York Times bestselling author of The Hate U Give and On the Come Up "Romantic, funny, hopeful, and unflinchingly real." --Becky Albertalli, New York Times bestselling author of Simon Vs. The Homosapiens Agenda The uplifting story of an HIV-positive teen, falling in love and learning to live her truth. Simone Garcia-Hampton is starting over at a new school, and this time things will be different. She's making real friends, making a name for herself as student director of Rent, and making a play for Miles, the guy who makes her melt every time he walks into a room. The last thing she wants is for word to get out that she's HIV-positive, because last time . . . well, last time things got ugly. Keeping her viral load under control is easy, but keeping her diagnosis under wraps is not so simple. As Simone and Miles start going out for real--shy kisses escalating into much more--she feels an uneasiness that goes beyond butterflies. She knows she has to tell him that she's positive, especially if sex is a possibility, but she's terrified of how he'll react! And then she finds an anonymous note in her locker: I know you have HIV. You have until Thanksgiving to stop hanging out with Miles. Or everyone else will know too. Simone's first instinct is to protect her secret at all costs, but as she gains a deeper understanding of the prejudice and fear in her community, she begins to wonder if the only way to rise above is to face the haters head-on. . . . "Full Disclosure is such a joy to read." --Erika Sanchez, National Book Award finalist for I Am Not Your Perfect Mexican Daughter "A big-hearted love letter to inclusivity, bravery, and acceptance, Full Disclosure is a wonder of a book." --Kathleen Glasgow, New York Times bestselling author of Girl in Pieces




Making the Connections


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The Logic of Securities Law


Book Description

This book opens with a simple introduction to financial markets, attempting to understand the action and the players of Wall Street by comparing them to the action and the players of main street. Firstly, it explores the definition of a security by its function, the departure from the buyer beware environment of corporate law and the entrance into the seller disclose environment of securities law. Secondly, it shows that the cost of disclosure rules is justified by their capacity to combat irrationalities, fads, and panics. The third section explains how the structure of class actions is designed to improve deterrence. Next it explores the economic harm from insider trading and how the law fights it. In sum, the book shows how all these parts of securities law serve the virtuous cycle from liquidity to accurate prices and more trading and how the great recession showed that our securities regulation reacted mostly adequately to the crisis.




Handbook of Financial Decision Making


Book Description

This accessible Handbook provides an essential entry point for those with an interest in the increasingly complex subject of financial decision making. It sheds light on new paradigms in society and the ways that new tools from private actors have affected financial decision making. Covering a broad range of key topics in the area, leading researchers summarize the state-of-the-art in their respective areas of expertise, delineating their projections for the future.




Angel Investing


Book Description

Angel Investing: Start to Finish is the most comprehensive practical and legal guide written to help investors and entrepreneurs avoid making expensive mistakes. Angel investing can be fun, financially rewarding, and socially impactful. But it can also be a costly endeavor in terms of money, time, and missed opportunities. Through the successes, failures, and collective experience of the authors you’ll learn how to navigate the angel investment process to maximize your chances of success and manage downside risks as an investor or entrepreneur. You’ll learn how: - Lead investors evaluate deals - Lawyers think through term sheets - To keep perspective through losses and triumphs This book will also be of use to founders raising an angel round, who will be wise to learn how decisions are made on the other side of the table. No matter where you’re starting from, this book will give you the context to become a savvier thinker, a better negotiator, and a positive member of the angel investing and startup communities.







Overview of the Privacy Act of 1974


Book Description

The "Overview of the Privacy Act of 1974," prepared by the Department of Justice's Office of Privacy and Civil Liberties (OPCL), is a discussion of the Privacy Act's disclosure prohibition, its access and amendment provisions, and its agency recordkeeping requirements. Tracking the provisions of the Act itself, the Overview provides reference to, and legal analysis of, court decisions interpreting the Act's provisions.




Disclosure


Book Description

From the author of Jurassic Park, Timeline, and Sphere comes an electrifying thriller in which a shocking accusation of sexual harassment triggers a gripping psychological game of cat and mouse and threatens to derail a brilliant career. #1 NEW YORK TIMES BESTSELLER “A fresh and provocative story.”—People An up-and-coming executive at the computer firm DigiCom, Tom Sanders is a man whose corporate future is certain. But after a closed-door meeting with his new boss—a woman who is his former lover and has been promoted to the position he expected to have—Sanders finds himself caught in a nightmarish web of deceit in which he is branded the villain. As Sanders scrambles to defend himself, he uncovers an electronic trail into the company’s secrets—and begins to grasp that a cynical and manipulative scheme has been devised to bring him down. “Crichton writes superbly. . . . The excitement rises with each page.”—Chicago Tribune “A heart-stop story running on several tracks at once. Disclosure is up to [Crichton’s] usual locomotive speed.”—The Boston Globe “Expertly crafted, ingenious and absorbing.”—The Philadelphia Inquirer