Algorithmic Regulation and Personalized Law

Christoph Busch; Alberto Franceschi

doi:10.17104/9783406779336

Summary

This Handbook explores the ways in which the use of big data analytics and artificial intelligence could recalibrate the relationship between law and individuality and change the foundational structures of our legal systems. In this perspective, the volume contributes to the emerging literature on "granular law" or "personalized law". Bringing together contributions by eminent scholars from both sides of the Atlantic, it aims to serve both as a gateway to this emerging and promising field and as a catalyst for new scholarly research. In particular, this Handbook explores the concept of personalized law, its implementation in contract, consumer and tort law, as well as the related implications for behavioural sciences, smart contracts, non discrimination and enforcement.

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Bibliographic data

Copyright year: 2022
ISBN-Print: 978-3-406-74391-7
ISBN-Online: 978-3-406-77933-6
Publisher: C.H.BECK Recht - Wirtschaft - Steuern, München
Series: Beck International
Language: English
Pages: 292
Product type: Edited Book

Titelei/Inhaltsverzeichnis No access Pages I - XV
Introduction: Personalization and Granularity of Legal Norms in the Data Economy: A Transatlantic Debate (Busch/De Franceschi) No access Pages 1 - 4
1. 1. I. Introduction No access
  2. 1. 1. Contract law default rules No access
    2. 2. Majoritarian default rules No access
    3. 3. Minoritarian (or penalty) default rules No access
    4. 4. Third-party effects No access
  3. 1. 1. Big Data and Big Five No access
    2. 2. Big Data in the law No access
    3. 3. Big Data guinea pigs No access
  4. 1. 1. Cross Subsidies No access
    2. 2. Strategic Behavior No access
    3. 3. Abuse by Merchants No access
    4. 4. Uncertainty No access
    5. 5. Case law Fragmentation No access
    6. 6. Statistics, Stereotyping, and Valuable Default Rules No access
    7. 7. Subordination, adaptive preferences, and personalization No access
    8. 8. Privacy No access
    9. 9. “But I Can Change!” and opting in No access
  5. V. Personalized disclosure No access
  6. VI. Conclusion No access
2. 1. I. Introduction No access
  2. 1. 1. Diminished capacity No access
    2. 2. Elevated capacity No access
    3. 3. Resource-based personalization No access
    4. 4. Personalization through insurance? No access
    5. 5. Summary No access
  3. 1. 1. Levels of care No access
    2. 2. Levels of activity No access
    3. 3. Victim care No access
    4. 4. Ex ante investment in improving private characteristics No access
    5. 5. Summary No access
  4. 1. 1. Corrective justice No access
    2. 2. Distributive justice No access
  5. 1. 1. Procedures for implementing personalized standards No access
    2. 2. Which personal information? No access
  6. VI. Conclusion No access
3. 1. I. Introduction No access
  2. 1. 1. Background: Rules and standards No access
    2. 2. Technology will facilitate the emergence of microdirectives as a new form of law No access
    3. 3. Examples No access
    4. 4. The different channels leading to the death of rules and standards No access
  3. III. Conclusion No access
1. 1. I. Introduction No access
  2. 1. 1. Technology-related specifications No access
    2. 2. Law-related specifications No access
  3. 1. 1. Torts: The reasonable standard of care No access
    2. 2. Contracts No access
  4. 1. 1. The digital revolution as a factual phenomenon No access
    2. 2. Limitations to changes of the very structure of the legal system No access
  5. V. Conclusions No access
2. 1. I. The Inevitability of Legal Typification No access
  2. II. The Problem of Algorithmic Discrimination No access
  3. III. The Scope of Granular Law and the Rise of Consumerism No access
  4. IV. Regulation and the Rule of Law No access
  5. V. Granularization and the Problem of Rule-Following No access
3. 1. I. More acts or more words: negotia, pragmata, activities No access
  2. II. Two ways of grasping reality: taming the chaos with Emilio Betti and Tullio Ascarelli No access
  3. III. End of the journey among the concepts’ penumbra. From type to typification, and from typification to dissemination No access
  4. IV. Big data: quantities make a qualitative shift in nomogenesis No access
  5. V. Nomogenesis at the intersection point between normative technique and informational limit No access
  6. VI. The loss of informational innocence No access
  7. VII. Norms on the move No access
  8. VIII. Les communications & les commerces No access
  9. IX. Politics or Algorithmics No access
4. 1. I. Granularization: a consistent outcome of a neoliberal trend No access
  2. II. The costs of granularization: the many shortcomings of algorithmic governmentality No access
  3. III. Liberal general principles v. neoliberal “granularized” rules No access
  4. IV. Is granularization efficient? Abstraction and totality in neoliberal thought No access
  5. V. Granularization and cross subsidy No access
  6. VI. What’s wrong, if anything, with cross-subsidy? No access
1. 1. I. The advent of a digital law No access
  2. II. The trend towards the personalization of private law: from the ‘average consumer’ to the ‘images of the consumer’ No access
  3. III. The discourse on granular legal norms (particularly with regard to the duties of disclosure provided by European contract law) No access
  4. 1. 1. The know-your-customer rule in investment services No access
    2. 2. The know-your-customer rule in insurance services No access
    3. 3. The know-your-customer rule in credit banking No access
  5. V. Some final remarks No access
2. 1. I. Clarification and Argument No access
  2. 1. 1. Consumer images No access
    2. 2. Consumer law 2.0 No access
    3. 3. Contractual underworld No access
    4. 4. Consumerization of consumer law No access
  3. 1. 1. Digitalization No access
    2. 2. Big data analytics No access
  4. 1. 1. Evidence based policy through big data analytics No access
    2. 2. Shortcomings of statistics No access
  5. 1. 1. Information rights and obligations No access
    2. 2. Reducing the complexity of information through big data analytics No access
    3. 3. Complexities of consumer law enforcement No access
    4. 4. Reducing complexity of enforcement through big data? No access
  6. VI. Big Data Analytics and Re-typification No access
3. 1. I. Introduction No access
  2. 1. 1. The theoretical framework No access
    2. 2. The European methodology No access
    3. 3. A personalized approach? No access
  3. 1. 1. Personalized default rules No access
    2. 2. Personalized Mandatory Rules No access
  4. IV. The enforcement No access
  5. V. Conclusion No access
4. K. Personalization of Tort Law? (von Bar) No access Pages 236 - 240
1. 1. 1. 1. Behavioral economics No access
    2. 2. Legal applications No access
  2. 1. 1. Uncertainty about the true rationality of market actors No access
    2. 2. Psychometrics and the quantification of bias No access
    3. 3. Personalized law as a solution to the knowledge problem No access
  3. 1. 1. Disclosures No access
    2. 2. Default rules No access
    3. 3. Mandatory law No access
  4. 1. 1. The strength of empirical correlations No access
    2. 2. Algorithmic bias and discrimination No access
  5. 1. 1. Privacy respecting metrics No access
    2. 2. Oversight and algorithmic auditing No access
  6. VI. Conclusion No access
2. 1. I. Only words No access
  2. II. How “smart” can contracts be? No access
  3. III. Creditworthiness No access
  4. IV. “Granular norms” No access
  5. V. Non-discrimination in the age of big data No access
3. 1. I. Introduction No access
  2. II. Big Data and the Crisis of Generalities No access
  3. 1. 1. Granular Legal Norms: The Demise of Typifications? No access
    2. 2. Use Cases of Personalized Law No access
    3. 3. Fighting Fire with Fire: Adverse Targeting meets Personalized Law No access
  4. 1. 1. Personalized Law as Algorithmic Regulation No access
    2. 2. Privacy and Choice No access
    3. 3. Quality of Data and Models No access
    4. 4. Compliance Monitoring and Algorithmic Auditing No access
  5. V. Conclusion No access