Sarah Jane Hughes

Indiana University Bloomington School of Law

University Scholar and Fellow in Commercial Law

211 S. Indiana Avenue

Bloomington, IN 47405

United States

SCHOLARLY PAPERS

14

DOWNLOADS
Rank 17,900

SSRN RANKINGS

Top 17,900

in Total Papers Downloads

3,512

SSRN CITATIONS
Rank 48,090

SSRN RANKINGS

Top 48,090

in Total Papers Citations

5

CROSSREF CITATIONS

9

Scholarly Papers (14)

1.

Regulating Cryptocurrencies in the United States: Current Issues and Future Directions

William Mitchell Law Review, Vol. 40, No. 813, 2014, Indiana Legal Studies Research Paper No. 282
Number of pages: 37 Posted: 19 Mar 2014
Sarah Jane Hughes and Stephen T. Middlebrook
Indiana University Bloomington School of Law and Unirush, LLC
Downloads 1,686 (12,775)
Citation 1

Abstract:

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virtual currencies, bitcoins, Bitcoin Foundation, e-Gold Ltd., FinCEN, anti-money-laundering regulations, regulating virtual currencies, money transmission, money services business, Liberty Reserve, Mt. Gox, seizure, forfeiture, Silk Road

2.

Substitutes for Legal Tender: Lessons from History for the Regulation of Virtual Currencies

Forthcoming in John A. Rothchild (ed.), Research Handbook on Electronic Commerce Law, Edward Elgar, 2016, Indiana Legal Studies Research Paper No. 316
Number of pages: 29 Posted: 15 May 2015 Last Revised: 12 Nov 2015
Stephen T. Middlebrook and Sarah Jane Hughes
Unirush, LLC and Indiana University Bloomington School of Law
Downloads 345 (109,120)

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3.

Virtual Uncertainty: Developments in the Law of Electronic Payments and Financial Services

Business Lawyer, Vol. 69, 2013, Indiana Legal Studies Research Paper No. 283
Number of pages: 13 Posted: 19 Mar 2014
Stephen T. Middlebrook and Sarah Jane Hughes
Unirush, LLC and Indiana University Bloomington School of Law
Downloads 311 (122,162)
Citation 1

Abstract:

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virtual currencies, Bitcoin, Dwolla, Mt. Gox, Liberty Reserve, Mutum Sigillum, LLC, seizure warrant, Department of Justice, Department of Treasury, Department of Homeland Security, Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation, FinCEN, money services business rule

4.

Responding to National Security Letters, a Practical Guide for Legal Counsel

American Bar Association, 2009
Number of pages: 14 Posted: 06 Mar 2009
David P. Fidler and Sarah Jane Hughes
Indiana University Maurer School of Law and Indiana University Bloomington School of Law
Downloads 227 (168,013)

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national security letters, national security investigation, anti-terrorism investigation, counter-terrorism investigation, Fair Credit Reporting Act, Right to Financial Privacy Act, Electronic Communications Privacy Act, National Security Act, privacy, civil liberties, safe harbor, libraries

5.

Advancing a Framework for Regulating Cryptocurrency Payments Intermediaries

Yale Journal on Regulation, Vol. 32, 2015, Indiana Legal Studies Research Paper No. 328
Number of pages: 1 Posted: 14 Oct 2015
Sarah Jane Hughes and Stephen T. Middlebrook
Indiana University Bloomington School of Law and Unirush, LLC
Downloads 198 (191,020)
Citation 2

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virtual currency, Cryptocurrency, Online wallets and exchanges, Payments, Payments intermediaries, Money Services Businesses, Money transmission, Uniform Commercial Code, Article 4A Commercial law

6.

Federal Payroll, Gift, and Prepaid Card Developments: FDIC Deposit Insurance Eligibility and the Credit Card Act of 2009

The Business Lawyer, Vol. 65, p. 261, November 2009, Indiana Legal Studies Research Paper No. 155
Number of pages: 11 Posted: 03 Mar 2010 Last Revised: 30 Jul 2014
Sarah Jane Hughes
Indiana University Bloomington School of Law
Downloads 198 (191,020)

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prepaid cards , Card Act of 2009, payroll cards, deposit insurance, Electronic Fund Transfer Act

Developments in the Law Affecting Electronic Payments and Financial Services

The Business Lawyer; Vol. 72, Winter 2016-2017, Indiana Legal Studies Research Paper No. 366
Number of pages: 11 Posted: 26 Jan 2017
Stephen T. Middlebrook, Tom Kierner and Sarah Jane Hughes
Unirush, LLC, Unirush, LLC and Indiana University Bloomington School of Law
Downloads 82 (372,987)

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e-payments, brokered deposits, FDIC, Prepaid cards, Customer identification program, Ability to reload, Access to credit or overdraft, Nonbank sellers of prepaid cards, FinCEN, Payment processors, Backpage, Virtual currency, 18 USC 1960, Bankruptcy and virtual currency, Daily fantasy sports

Developments in the Law Affecting Electronic Payments and Financial Services

The Business Lawyer. Vol. 74. Issue 1. (2019), Indiana Legal Studies Research Paper No. 406
Number of pages: 13 Posted: 10 Apr 2019
Stephen T. Middlebrook, Tom Kierner and Sarah Jane Hughes
Unirush, LLC, Unirush, LLC and Indiana University Bloomington School of Law
Downloads 70 (408,821)

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Electronic financial payments, Prepaid cards Payroll cards, Initial coin offerings, ICOs, FinTech, Cryptocurrency, Cryptocurrency intermediaries, Cyberspace, FinTech national bank charters, BitLicense, Lawyers and cryptocurrencies

8.

'Gatekeepers' Are Vital Participants in Anti-Money-Laundering Laws and Enforcement Regimes As Permission-less Blockchain-Based Transactions Pose Challenges to Current Means to 'Follow the Money'

Indiana Legal Studies Research Paper No. 408 (2019)
Number of pages: 40 Posted: 13 Aug 2019
Sarah Jane Hughes
Indiana University Bloomington School of Law
Downloads 148 (245,182)

Abstract:

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blockchains, cryptocurrencies, money laundering, corruption, crypto-assets

9.

Did the National Security Agency Destroy the Prospects For Confidentiality and Privilege When Lawyers Store Clients' Files in the Cloud — And What, If Anything, Can Lawyers and Law Firms Realistically Do in Response?

Northern Kentucky Law Review, Vol. 41, No. 3, 2014, Indiana Legal Studies Research Paper No. 307
Number of pages: 33 Posted: 19 Dec 2014
Sarah Jane Hughes
Indiana University Bloomington School of Law
Downloads 91 (346,643)

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National Security Agency, Data mining, Reasonable expectation of privacy, ABA Model Rules of Professional Conduct (2012), United States v. Miller, 425 U.S. 435 (1976), National Institute of Standards and Technology, Cloud computing, Cyber-security, Law firms, Federal Trade Commission Act, section 5

10.

Duty Issues in the Ever-Changing World of Payments Processing: Is it Time for New Rules?

Chicago-Kent Law Review, Vol. 83, No. 721, 2008, Indiana Legal Studies Research Paper No. 122
Number of pages: 30 Posted: 22 Jan 2009 Last Revised: 01 Jul 2013
Sarah Jane Hughes
Indiana University Bloomington School of Law
Downloads 61 (433,801)
Citation 1

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Retail Payments, Payments Fraud, System and Counter-Party Risks, Good Faith, Ordinary Care

11.

Garnishment of Accounts Containing Federal Benefit Payments

Indiana Legal Studies Research Paper No. 154
Number of pages: 7 Posted: 16 Jun 2010 Last Revised: 11 Jul 2013
Sarah Jane Hughes
Indiana University Bloomington School of Law
Downloads 46 (491,834)

Abstract:

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exempt federal benefits, garnishment, depositary institutions, direct deposits, child support and alimony, safe harbor, automated clearing house transfer

12.

Do Blockchain Technologies Make Us Safer? Do Cryptocurrencies Necessarily Make Us Less Safe?

Texas International Law Journal, Vol. #55, No. 373, 2020, Indiana Legal Studies Research Paper No. 405
Number of pages: 23 Posted: 27 Oct 2020
Sarah Jane Hughes
Indiana University Bloomington School of Law
Downloads 30 (571,430)

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cryptocurrency, blockchain, safety, globalization, international law

13.

Developments in the Law Affecting Electronic Payments and Financial Services

The Business Lawyer; Vol. 76, Indiana Legal Studies Research Paper No. 450
Number of pages: 15 Posted: 05 May 2021
Sarah Jane Hughes
Indiana University Bloomington School of Law
Downloads 14 (680,661)

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stimulus payments, COVID-19, pandemic, litigation, FTC, Federal Trade Commission, CFPB, Consumer Financial Protection Bureau, cryptocurrencies, electronic financial payments, CARES, Coronavirus Aid Relief and Economic Security Act, EIP, economic impact payments, EFTA, Electronic Fund Transfer Act

14.

More Steps Toward Fully Electronic Interbank Check Collection and Return: Amendments to Federal Reserve Board Regulation CC and a Regulatory Resolution of a Circuit Split

Uniform Commercial Code Law Journal. Vol. 48. Issue 4. (2019), Indiana Legal Studies Research Paper No. 407
Number of pages: 20 Posted: 19 Feb 2021
Sarah Jane Hughes
Indiana University Bloomington School of Law
Downloads 5 (751,155)

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Expedited Funds Availability Act of 1987, Check Clearing for the 21st Century Act of 2003, Regulation CC, Federal Reserve Board, Price v. Neal, Electronically created items, Electronic check, Faster payments, Check images, Fee-free same-day settlement, Remote deposit capture, Remotely created checks