Publications
Our attorneys frequently publish articles in academic journals and industry publications. Please see below for their most recent articles.
CONFERENCE ON CONSUMER FINANCE LAW QUARTERLY REPORT VOL. 72 NO.3, "THE CFPB’S TRIAL DISCLOSURE PROGRAM AUTHORITY COULD SOON BECOME MORE INTERESTING TO THE INDUSTRY"
Richard Horn authored an article in the Spring 2019 issue of the Consumer Finance Law Quarterly Report, titled "The CFPB’s Trial Disclosure Program Authority Could Soon Become More Interesting to the Industry." The article provides editorial on the CFPB’s trial disclosure for subjects of interest for the industry.
JOURNAL OF PUBLIC POLICY & MARKETING, "THE CONSUMER FINANCIAL PROTECTION BUREAU'S CONSUMER RESEARCH: MISSION ACCOMPLISHED?"
Richard Horn authored an article in the Spring 2017 issue of the Journal of Public Policy & Marketing, titled "The Consumer Financial Protection Bureau's Consumer Research: Mission Accomplished?" The article critiques the CFPB’s consumer research for some of its most important rules and consumer initiatives.
MORTGAGE BANKERS ASSOCIATION’S COMPLIANCE ESSENTIALS GUIDE FOR THE TILA-RESPA INTEGRATED DISCLOSURES
Richard Horn co-authored the Mortgage Bankers Association’s Compliance Essentials Guide for the TILA-RESPA Integrated Disclosures. Purchase your copy of this excellent guide today!
"THE TILA-RESPA INTEGRATED DISCLOSURES: THE BEGINNER'S GUIDE TO IMPLEMENTATION", MORTGAGE COMPLIANCE MAGAZINE
Richard Horn authored an article for Mortgage Compliance Magazine’s January 2015 issue, titled The TILA-RESPA Integrated Disclosures: The Beginner's Guide to Implementation.
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"HOW TO COMBINE YOUR DISCLOSURES", SCOTSMAN GUIDE
Richard Horn authored a two-part article for Scotsman Guide's November and December 2014 issues, titled How to Combine Your Disclosures.
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Comparing Select Federal and Maryland Procedural Standards
by David G. Ross, Diane Seltzer Torre, and Richard M. Volin — This chapter appeared in the MSBA Maryland Employment Law Desktop, 2021 Revised Edition(2021, Mary T. Keating ed.).
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Evaluating Franchise Agreements: It’s About More Than Just the Terms
by Jordan M. Halle and David G. Ross – This paper was provided in connection with the authors’ presentation at the Maryland State Bar Association, Business Law Section’s 2020 Advanced Business Law Institute.
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Comparing Select Federal and Maryland Procedural Standards
by David G. Ross and Diane Seltzer Torre — This chapter appeared in the MSBA Maryland Employment Law Desktop, 2016 Replacement Page Volume (2016,Rebecca N. Strandberg ed.).
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Comparing Select Federal and Maryland Procedural Standard
by Gwen W. D’Souza and David G. Ross — This chapter appeared in the MSBA Maryland Employment Law Desktop (2014, Rebecca N. Strandberg ed.).
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The Moving Target: System Standards and the Franchisor’s “Sole Discretion” to Change Franchisee Obligations
by David G. Ross and Jeffrey S. Fabian – This article first appeared in August 2011on http://www.franchisehelp.com.
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Go Fish in Your Own Pond: Encroachment Liability to Fellow Franchisees
by David G. Ross – This article first appeared in July 2011 on http://www.franchise-info.ca, the official website of the International Association of Franchisees and Dealers.
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A Fair Use of Nominative Fair Use? Toyota Motor Sales, U.S.A., Inc. v. Tabari
by Jeffrey S. Fabian and David G. Ross – Originally published in the Maryland State Bar Association’s Annual Intellectual Property Law Update, Vol. IV, June 2011.
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Franchisee Legal Documents
This chapter from the undergraduate textbook Franchising: An Entrepreneur’s Guide (4th ed. 2008, Justis & Judd, eds.) was originally written by Andrew A. Caffey and then updated by Mr. Caffey and David G. Ross to reflect 2007 changes to the “FTC Rule” governing franchisors.
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The Good & the Bad: What Congress’s “Fair Pay” and “Mandatory Arbitration” Bills Mean for Franchisees
by David G. Ross – Originally published in The Franchisee Voice, Vol. 13, Issue 4,Spring 2008.
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Changes to Civil Rights Statutes: The Continued Increase of Employment Liability Risk
by David L. Cahn and David G. Ross – This article first appeared in the February 2008 issue of LJN’s Franchising Business &Law Alert. The publisher strictly prohibits redistribution or commercial use.
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Employer Beware: What You Don’t Know Can Hurt You
by David G. Ross and Linda Hitt Thatcher – Originally published in The Franchisee Voice, Vol. 13, Issue 2, Fall 2007.