Daniel Schwarcz

University of Minnesota Law School

Professor of Law

229 19th Avenue South

Minneapolis, MN 55455

United States

http://www.law.umn.edu/profiles/daniel-schwarcz

SCHOLARLY PAPERS

32

DOWNLOADS
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10,835

CITATIONS
Rank 18,551

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Top 18,551

in Total Papers Citations

17

Scholarly Papers (32)

1.

Reevaluating Standardized Insurance Policies

University of Chicago Law Review, Vol. 78, p. 1263, 2011, Minnesota Legal Studies Research Paper No. 10-65
Number of pages: 88 Posted: 06 Oct 2010 Last Revised: 29 Nov 2011
Daniel Schwarcz
University of Minnesota Law School
Downloads 1,889 (7,357)
Citation 1

Abstract:

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Homeowners insurance, insurance, personal lines, transparency, state regulation, standard form contracts

2.

Will Employers Undermine Health Care Reform by Dumping Sick Employees?

Virginia Law Review, Vol. 97, p. 125, 2011, Minnesota Legal Studies Research Paper No. 10-37
Number of pages: 74 Posted: 02 Aug 2010 Last Revised: 04 May 2011
Amy Monahan and Daniel Schwarcz
University of Minnesota - Twin Cities - School of Law and University of Minnesota Law School
Downloads 1,226 (14,775)
Citation 2

Abstract:

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health care reform, employer health insurance, health insurance markets

3.

Regulating Systemic Risk in Insurance

University of Chicago Law Review, Vol. 81, No. 4, 2014, Minnesota Legal Studies Research Paper No. 14-18
Number of pages: 72 Posted: 06 Mar 2014 Last Revised: 10 Jan 2015
Daniel Schwarcz and Steven L. Schwarcz
University of Minnesota Law School and Duke University School of Law
Downloads 951 (21,729)
Citation 1

Abstract:

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4.

The Impact of Individualized Feedback on Law Student Performance

67 Journal of Legal Education (2017 Forthcoming), Minnesota Legal Studies Research Paper No. 16-13
Number of pages: 42 Posted: 01 May 2016 Last Revised: 02 Dec 2016
Daniel Schwarcz and Dion Farganis
University of Minnesota Law School and University of Minnesota - Twin Cities - School of Law
Downloads 787 (28,479)

Abstract:

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Formative Feedback, Law School Education, Individualized Feedback

5.

Redesigning Consumer Dispute Resolution: A Case Study of the British and American Approaches to Insurance Claims Conflict

Tulane Law Review, Vol. 83, No. 735, 2009, Minnesota Legal Studies Research Paper No. 08-52
Number of pages: 78 Posted: 28 Jul 2008 Last Revised: 28 Mar 2014
Daniel Schwarcz
University of Minnesota Law School
Downloads 625 (38,925)
Citation 4

Abstract:

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Insurance, ADR, Consumer Financial Services, Innsurance Regulation

6.

Beyond Disclosure: The Case for Banning Contingent Commissions

Yale Law & Policy Review, Vol. 25, p. 289, 2007, Minnesota Legal Studies Research Paper No. 07-52
Number of pages: 48 Posted: 21 Dec 2006 Last Revised: 28 Mar 2014
Daniel Schwarcz
University of Minnesota Law School
Downloads 561 (44,831)
Citation 4

Abstract:

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Insurance, Regulation, Contingent Commissions, Independent Intermediaries, Insurance Agents, Insurance Brokers

7.

Understanding Insurance Anti-Discrimination Laws

U of Michigan Law & Econ Research Paper No. 12-017, U of Michigan Public Law Research Paper No. 289, U of Texas Law, Law and Econ Research Paper No. 234, Minnesota Legal Studies Research Paper No. 12-45
Number of pages: 80 Posted: 25 Aug 2012 Last Revised: 02 Mar 2016
Ronen Avraham, Kyle D. Logue and Daniel Schwarcz
Tel Aviv University - Tel Aviv University, Buchmann Faculty of Law, University of Michigan Law School and University of Minnesota Law School
Downloads 443 (60,302)
Citation 1

Abstract:

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Civil Rights and Discrimination, Economics, Insurance Law, Law and Economics

8.

A Products Liability Theory for the Judicial Regulation of Insurance Policies

William & Mary Law Review, Vol. 48, p. 1389, 2007, Minnesota Legal Studies Research Paper No. 06-70
Number of pages: 75 Posted: 10 Aug 2006 Last Revised: 28 Mar 2014
Daniel Schwarcz
University of Minnesota Law School
Downloads 380 (72,520)
Citation 1

Abstract:

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Insurance, Products Liability Law, Judicial Regulation, Reasonable Expectations Doctrine

9.

Transparently Opaque: Understanding the Lack of Transparency in Insurance Consumer Protection

61 UCLA Law Review 394 (2014), Minnesota Legal Studies Research Paper No. 12-35
Number of pages: 69 Posted: 17 Aug 2012 Last Revised: 21 Mar 2014
Daniel Schwarcz
University of Minnesota Law School
Downloads 317 (89,251)

Abstract:

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Insurance, Consumer Protection, Transparency, Financial Regulation

10.

Regulating Consumer Demand in Insurance Markets

Erasmus Law Review, Vol. 3, No. 1, p. 23, 2010, Minnesota Legal Studies Research Paper No. 10-24
Number of pages: 25 Posted: 23 Mar 2010 Last Revised: 13 Sep 2010
Daniel Schwarcz
University of Minnesota Law School
Downloads 311 (91,158)
Citation 1

Abstract:

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Insurance, Demand Anomalies, Libertarian Paternalism, Expected Utility Theory

11.

The Risks of Shadow Insurance

50 Georgia Law Review 163 (2015)
Number of pages: 50 Posted: 14 Jul 2015 Last Revised: 15 Jan 2016
Daniel Schwarcz
University of Minnesota Law School
Downloads 300 (94,896)

Abstract:

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Shadow Insurance, Systemic Risk, Insurance Regulation, Captive Reinsurance

12.

Insurance Agents in the 21st Century: The Problem of Biased Advice

Forthcoming. in D. Schwarcz & P. Siegelman (eds), Handbook on the Economics of Insurance Law(Edw. Elgar, 2015)
Number of pages: 31 Posted: 25 Aug 2014 Last Revised: 22 Aug 2015
Daniel Schwarcz and Peter Siegelman
University of Minnesota Law School and University of Connecticut - School of Law
Downloads 280 (102,219)

Abstract:

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insurance, agent

13.

Is U.S. Insurance Regulation Unconstitutional?

Connecticut Insurance Law Journal, Vol. 25, 2018
Number of pages: 53 Posted: 14 Sep 2018 Last Revised: 03 Oct 2018
Daniel Schwarcz
University of Minnesota Law School
Downloads 279 (102,579)

Abstract:

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Insurance Regulation, National Association of Insurance Commissioners, NAIC, Delegation, Accredreditation

14.

Regulating Insurance Sales or Selling Insurance Regulation?: Against Regulatory Competition in Insurance

Minnesota Law Review, Vol. 94, p. 1707, 2010, Minnesota Legal Studies Research Paper No. 09-53
Number of pages: 82 Posted: 09 Nov 2009 Last Revised: 27 May 2010
Daniel Schwarcz
University of Minnesota Law School
Downloads 249 (115,571)
Citation 2

Abstract:

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Insurance, Financial Regulation, Optional Federal Charter, Regulatory Competition

15.

Saving Small Employer Health Insurance

Minnesota Legal Studies Research Paper No. 12-36
Number of pages: 47 Posted: 30 Aug 2012
Amy Monahan and Daniel Schwarcz
University of Minnesota - Twin Cities - School of Law and University of Minnesota Law School
Downloads 245 (117,452)

Abstract:

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Health care reform, small employer health insurance, self-insurance

16.

Regulating Entities and Activities: Complementary Approaches to Nonbank Systemic Risk

Southern California Law Review, Forthcoming
Number of pages: 70 Posted: 03 Sep 2018 Last Revised: 17 Sep 2018
Jeremy C. Kress, Patricia A. McCoy and Daniel Schwarcz
University of Michigan, Stephen M. Ross School of Business, Boston College Law School and University of Minnesota Law School
Downloads 214 (134,215)

Abstract:

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Systemic Risk, Financial Stability, Financial Stability Oversight Council, Nonbank Financial Companies, Entity-Based Regulation, Activities-Based Regulation

17.

Regulatory Contrarians

North Carolina Law Review, Vol. 88, 2011, Minnesota Legal Studies Research Paper No. 10-64
Number of pages: 52 Posted: 20 Nov 2010 Last Revised: 25 Jun 2011
Brett McDonnell and Daniel Schwarcz
University of Minnesota Law School and University of Minnesota Law School
Downloads 196 (145,759)

Abstract:

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financial regulation, contrarians, Dodd-Frank

18.

Preventing Capture Through Consumer Empowerment Programs: Some Evidence from Insurance Regulation

Minnesota Legal Studies Research Paper No. 12-06
Number of pages: 48 Posted: 12 Jan 2012
Daniel Schwarcz
University of Minnesota Law School
Downloads 191 (149,341)

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Regulatory Capture, Insurance Regulation, Tripartism, Proxy Advocacy,

19.

Differential Compensation and the 'Race to the Bottom' in Consumer Insurance Markets

Connecticut Insurance Law Journal, Vol. 15, p. 723, 2009, Minnesota Legal Studies Research Paper No. 09-55
Number of pages: 32 Posted: 26 Jan 2009 Last Revised: 27 Mar 2014
Daniel Schwarcz
University of Minnesota Law School
Downloads 173 (163,263)

Abstract:

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Insurance, Commissions, Contingent Commissions, Agents, Brokers, Intermediaries

20.

Regulation by Threat: Dodd-Frank and the Non-Bank Problem

University of Chicago Law Review, Vol. 84, 2017, Forthcoming, Minnesota Legal Studies Research Paper No. 16-42
Number of pages: 69 Posted: 08 Nov 2016 Last Revised: 31 Oct 2018
Daniel Schwarcz and David T. Zaring
University of Minnesota Law School and University of Pennsylvania - Legal Studies Department
Downloads 166 (169,288)

Abstract:

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FSOC, Dodd-Frank, SIFI, Designation, Systemic Risk

21.

Do Credit-Based Insurance Scores Proxy for Income in Predicting Auto Claim Risk?

J. Empirical Legal Stud., Vol. 14, No. 2, pp. 397-423, 2017
Number of pages: 33 Posted: 03 Nov 2015 Last Revised: 25 Jan 2018
Government of the United States of America - Bureau of the Census, University of Minnesota Law School and Georgetown University Law Center
Downloads 163 (172,004)

Abstract:

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auto insurance, income, insurance score, proxy

22.

Coverage Information in Insurance Law

Minnesota Law Review, Forthcoming, Minnesota Legal Studies Research Paper No. 16-30
Number of pages: 72 Posted: 01 Aug 2016 Last Revised: 10 Mar 2017
Daniel Schwarcz
University of Minnesota Law School
Downloads 153 (181,347)

Abstract:

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Insurance, Coverage, Interpretation, Ambiguity Rule, Reasonable Expectations

23.

Monitoring, Reporting, and Recalling Defective Financial Products

2013 University of Chicago Legal Forum 409, Minnesota Legal Studies Research Paper 13-26
Number of pages: 24 Posted: 08 May 2013 Last Revised: 03 Nov 2015
Daniel Schwarcz
University of Minnesota Law School
Downloads 120 (220,058)

Abstract:

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Product Recall, Ability to Repay, Suitability, Consumer Protection, Consumer Financial Protection Bureau

24.

The Failures of State Insurance Regulation

Number of pages: 7 Posted: 27 May 2017
Daniel Schwarcz
University of Minnesota Law School
Downloads 118 (222,779)

Abstract:

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Insurance, State Regulation, Rate Regulation, Solvency Regulation, Transparency

25.

Explaining Variation in Insurance Anti-Discrimination Laws

U of Texas Law, Law and Econ Research Paper No. 522, Minnesota Legal Studies Research Paper No. 13-54, U of Michigan Law & Econ Research Paper No. 13-018
Number of pages: 44 Posted: 27 Aug 2013 Last Revised: 30 Sep 2015
Ronen Avraham, Kyle D. Logue and Daniel Schwarcz
Tel Aviv University - Tel Aviv University, Buchmann Faculty of Law, University of Michigan Law School and University of Minnesota Law School
Downloads 104 (243,781)

Abstract:

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26.

A Critical Take on Group Regulation of Insurers in the United States

U. Cal. Irv. L. Rev., 2015, Forthcoming, Minnesota Legal Studies Research Paper No. 15-12
Number of pages: 22 Posted: 16 Apr 2015 Last Revised: 25 Jul 2015
Daniel Schwarcz
University of Minnesota Law School
Downloads 99 (252,230)

Abstract:

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Insurance, Regulation, Group Regulation, Consolidated Regulation, State Insurance Regulation, Solvency Regulation, Systemic Risk

27.

Ending Public Utility Style Rate Regulation in Insurance

Yale Journal on Regulation, Forthcoming
Number of pages: 52 Posted: 03 Aug 2017 Last Revised: 26 Jan 2018
Daniel Schwarcz
University of Minnesota Law School
Downloads 97 (255,642)

Abstract:

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Insurance, State Insurance Regulation, Rate Regulation, Unfair Discrimination, Excessive Rates

28.

Amicus Brief of Scholars of Insurance Regulation in MetLife v. FSOC

Number of pages: 28 Posted: 30 May 2015
Deepak Gupta and Daniel Schwarcz
Gupta/Beck and University of Minnesota Law School
Downloads 87 (273,933)

Abstract:

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State insurance regulation, systemic risk, MetLife, FSOC, SIFI

29.

Research Handbook on the Economics of Insurance Law: Introduction

Forthcoming in Research Handbook in the Economics of Insurance Law (Edw. Elgar: 2015)
Number of pages: 12 Posted: 31 Aug 2015
Daniel Schwarcz and Peter Siegelman
University of Minnesota Law School and University of Connecticut - School of Law
Downloads 72 (306,447)

Abstract:

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insurance

30.

Activities Are Not Enough!: Why Nonbank SIFI Designations Are Essential to Prevent Systemic Risk

Forthcoming, Systemic Risk in the Financial Sector: Ten Years After the Great Crash (Douglas W. Arner, Emilios Avgouleas, Danny Busch, & Steven L. Schwarcz, eds., 2019), Boston College Law School Legal Studies Research Paper No. 492
Number of pages: 19 Posted: 25 Oct 2018 Last Revised: 15 Nov 2018
Jeremy C. Kress, Patricia A. McCoy and Daniel Schwarcz
University of Michigan, Stephen M. Ross School of Business, Boston College Law School and University of Minnesota Law School
Downloads 36 (416,778)

Abstract:

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Systemic Risk, Financial Stability, Financial Stability Oversight Council, Financial Stability Board, Nonbank Financial Companies, Entity-Based Regulation, Activities-Based Regulation

31.

Limiting the ACA's Threats to Small Group Health Insurance Markets

Risk Management and Insurance Review, Vol. 16, Issue 1, pp. 25-34, 2013
Number of pages: 10 Posted: 27 Mar 2013
Amy Monahan and Daniel Schwarcz
University of Minnesota - Twin Cities - School of Law and University of Minnesota Law School
Downloads 2 (597,243)
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32.

Do Credit‐Based Insurance Scores Proxy for Income in Predicting Auto Claim Risk?

Journal of Empirical Legal Studies, Vol. 14, Issue 2, pp. 397-423, 2017
Number of pages: 27 Posted: 27 Apr 2017
U.S. Census Bureau, University of Minnesota Law School and Georgetown University Law Center
Downloads 1 (608,883)
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