More Than You Wanted to Know The Failure of Mandated Disclosure
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, th...
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| Format: | E-Book Buch |
| Sprache: | Englisch |
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Princeton, N.J
Princeton University Press
2014
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| Ausgabe: | 1 |
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| ISBN: | 9780691161709, 0691161704, 9780691170886, 0691170886, 9781400850389, 140085038X |
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| Abstract | 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 Knowsurveys 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 Knowtakes on the form of regulation we encounter daily and asks why we must encounter it at all. |
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| AbstractList | 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 Knowsurveys 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 Knowtakes on the form of regulation we encounter daily and asks why we must encounter it at all. No detailed description available for "More Than You Wanted to Know". 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. 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. Perhaps no kind of regulation is more common or less useful than mandated disclosurerequiring one party to a transaction to give the other information. It is the iTunes terms you assent to, the doctors 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. |
| Author | Omri Ben-Shahar Carl E. Schneider |
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| Copyright | 2014 Princeton University Press |
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| Keywords | Finance charge Customer Interest rate Explanation Disaster Tax Mortgage loan Complexity Privacy Debtor Debt Recommendation (European Union) Consumer Expense Statute Ideology Full disclosure (computer security) Junk Fees Advertising Patient Protection and Affordable Care Act Pension Warranty Trade-off Negative amortization Inference Consumer protection Saving Disclaimer Market failure Discretion Jurisdiction Miranda warning Requirement Deliberation Payment Publicity Privacy policy Opt-out Tort Innumeracy (book) Contract Creditor Health Insurance Portability and Accountability Act Numeracy Hygiene Predatory lending Uncertainty Issuer Fraud Literacy Overdraft Attempt Employment Paperwork Reduction Act Respondent Decision aids Adjustable-rate mortgage Credit card Intermediary Arbitration Physician Clery Act Dodd–Frank Wall Street Reform and Consumer Protection Act Restaurant Reasonable person Insurance Writing Informed consent Investor Prostate cancer |
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| Notes | Illustrations of paperback: monochrome Includes index |
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| Snippet | 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... 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... 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.... No detailed description available for "More Than You Wanted to Know". Perhaps no kind of regulation is more common or less useful than mandated disclosurerequiring one party to a transaction to give the other information. It is... |
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| SubjectTerms | Adjustable-rate mortgage Advertising Arbitration Attempt Clery Act Complexity Consumer Consumer protection Consumer protection -- Law and legislation -- United States Contract Credit card Creditor Customer Debt Debtor Decision aids Decision making Decision making -- United States Deliberation Disaster Disclaimer Disclosure of information Disclosure of information -- Law and legislation -- United States Discretion Dodd–Frank Wall Street Reform and Consumer Protection Act Employment Expense Explanation Finance charge Fraud Full disclosure (computer security) Health Insurance Portability and Accountability Act Hygiene Ideology Inference Informed consent Innumeracy (book) Insurance Interest rate Intermediary Investor Issuer Junk Fees Jurisdiction LAW LAW / Consumer Law and legislation Literacy Market failure Miranda warning Mortgage loan Negative amortization Numeracy Opt-out Overdraft Paperwork Reduction Act Patient Protection and Affordable Care Act Payment Pension Physician POLITICAL SCIENCE POLITICAL SCIENCE / Public Policy / General Predatory lending Privacy Privacy policy Prostate cancer Public Policy Publicity Reasonable person Recommendation (European Union) Requirement Respondent Restaurant Saving Statute Tax Tort Trade-off Uncertainty United States Warranty Writing |
| Subtitle | The Failure of Mandated Disclosure |
| TableOfContents | Front Matter
Table of Contents
PREFACE
CHAPTER 1: INTRODUCTION
CHAPTER 2: COMPLEX DECISIONS, COMPLEX DISCLOSURES
CHAPTER 3: THE FAILURE OF MANDATED DISCLOSURE
[PART II Introduction]
CHAPTER 4: “WHATEVER”:
CHAPTER 5: READING DISCLOSURES
CHAPTER 6: THE QUANTITY QUESTION
CHAPTER 7: FROM DISCLOSURE TO DECISION
CHAPTER 8: MAKE IT SIMPLE?
[Illustrations]
CHAPTER 9: THE POLITICS OF DISCLOSURE
CHAPTER 10: PRODUCING DISCLOSURES
CHAPTER 11: AT WORST, HARMLESS?
CHAPTER 12: CONCLUSION:
NOTES
INDEX Chapter 7. From Disclosure to Decision Chapter 6. The Quantity Question Chapter 5. Reading Disclosures Chapter 4. “Whatever”: The Psychology of Mandated Disclosure PART II—WHY DISCLOSURES FAIL Chapter 3. The Failure of Mandated Disclosure Chapter 2. Complex Decisions, Complex Disclosures PART I—THE UBIQUITY OF MANDATED DISCLOSURE Chapter 1. Introduction CONTENTS Preface Cover Title Page, Copyright, Dedication Chapter 11. At Worst, Harmless? Chapter 10. Producing Disclosures Chapter 9. The Politics of Disclosure Chapter 8. Make It Simple? PART III—CAN MANDATED DISCLOSURE BE SAVED? Notes Index Chapter 12 Conclusion: Beyond Disclosurism Cover -- Title -- Copyright -- Dedication -- CONTENTS -- Preface -- PART I-THE UBIQUITY OF MANDATED DISCLOSURE -- Chapter 1 Introduction -- Chapter 2 Complex Decisions, Complex Disclosures -- Chapter 3 The Failure of Mandated Disclosure -- PART II-WHY DISCLOSURES FAIL -- Chapter 4 "Whatever": The Psychology of Mandated Disclosure -- Chapter 5 Reading Disclosures -- Chapter 6 The Quantity Question -- Chapter 7 From Disclosure to Decision -- PART III-CAN MANDATED DISCLOSURE BE SAVED? -- Chapter 8 Make It Simple? -- Chapter 9 The Politics of Disclosure -- Chapter 10 Producing Disclosures -- Chapter 11 At Worst, Harmless? -- Chapter 12 Conclusion: Beyond Disclosurism -- Notes -- Index Part I. The Ubiquity of Mandated Disclosure -- 8. Make It Simple? 2. Complex Decisions, Complex Disclosures 7. From Disclosure to Decision Index 3. The Failure of Mandated Disclosure - 11. At Worst, Harmless? / Contents 6. The Quantity Question 5. Reading Disclosures 1. Introduction Frontmatter -- Part III. Can Mandated Disclosure Be Saved? -- 9. The Politics of Disclosure Preface Part II. Why Disclosures Fail -- 12. Conclusion: Beyond Disclosurism 4. “Whatever”: The Psychology of Mandated Disclosure 10. Producing Disclosures Notes |
| Title | More Than You Wanted to Know |
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