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

  • University of Minnesota Law School

SCHOLARLY PAPERS

35

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22

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43

Scholarly Papers (35)

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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 1,952 (8,495)
Citation 1

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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 1,240 (17,398)

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health care reform, employer health insurance, health insurance markets

3.

Proxy Discrimination in the Age of Artificial Intelligence and Big Data

105 Iowa Law Review 1257 (2020)
Number of pages: 62 Posted: 17 Apr 2019 Last Revised: 09 Apr 2020
Anya Prince and Daniel Schwarcz
University of Iowa College of Law and University of Minnesota Law School
Downloads 1,197 (18,455)
Citation 1

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Proxy Discrimination, Artificial Intelligence, Insurance, Big Data, GINA

4.

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 993 (24,253)
Citation 18

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5.

The Impact of Individualized Feedback on Law Student Performance

67 Journal of Legal Education 139 (2017 Forthcoming), Minnesota Legal Studies Research Paper No. 16-13
Number of pages: 37 Posted: 01 May 2016 Last Revised: 16 Jun 2020
Daniel Schwarcz and Dion Farganis
University of Minnesota Law School and University of Minnesota - Twin Cities - School of Law
Downloads 858 (29,881)

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Formative Feedback, Law School Education, Individualized Feedback

6.

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 651 (43,546)
Citation 4

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Insurance, ADR, Consumer Financial Services, Innsurance Regulation

7.

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 574 (51,339)

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

8.

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, Southern California Law Review, Vol. 87
Number of pages: 80 Posted: 25 Aug 2012 Last Revised: 24 Jul 2019
Ronen Avraham, Kyle D. Logue and Daniel Schwarcz
Tel Aviv University - Buchmann Faculty of Law, University of Michigan Law School and University of Minnesota Law School
Downloads 517 (58,589)
Citation 6

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

9.

Regulating Entities and Activities: Complementary Approaches to Nonbank Systemic Risk

92 Southern California Law Review 1455 (2019)
Number of pages: 76 Posted: 03 Sep 2018 Last Revised: 16 Dec 2019
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 482 (63,936)
Citation 4

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

10.

Is U.S. Insurance Regulation Unconstitutional?

25 Connecticut Insurance Law Journal 191 (2018)
Number of pages: 66 Posted: 14 Sep 2018 Last Revised: 08 Apr 2019
Daniel Schwarcz
University of Minnesota Law School
Downloads 440 (71,453)

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

11.

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 386 (83,366)

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

12.

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 376 (86,005)

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Shadow Insurance, Systemic Risk, Insurance Regulation, Captive Reinsurance

13.

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 329 (100,017)

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Insurance, Consumer Protection, Transparency, Financial Regulation

14.

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 322 (102,483)

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Insurance, Demand Anomalies, Libertarian Paternalism, Expected Utility Theory

15.

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 315 (104,962)
Citation 2

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insurance, agent

16.

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 256 (130,800)

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Insurance, Financial Regulation, Optional Federal Charter, Regulatory Competition

17.

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 248 (135,084)
Citation 4

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

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 208 (159,977)

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Regulatory Capture, Insurance Regulation, Tripartism, Proxy Advocacy,

19.

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 204 (162,885)
Citation 2

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financial regulation, contrarians, Dodd-Frank

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 203 (163,625)
Citation 4

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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
Darcy Steeg Morris, Daniel Schwarcz and Joshua C. Teitelbaum
Government of the United States of America - Bureau of the Census, University of Minnesota Law School and Georgetown University Law Center
Downloads 200 (165,905)
Citation 1

Abstract:

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auto insurance, income, insurance score, proxy

22.

Towards a Civil Rights Approach to Insurance Anti-Discrimination Law

69 DePaul Law Review 659 (2020)
Number of pages: 43 Posted: 12 Jul 2019 Last Revised: 16 Jun 2020
Daniel Schwarcz
University of Minnesota Law School
Downloads 196 (169,085)

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Insurance, Disparate Impact, Proxy Discrimination, Auto Insurance, Homeowners Insurance, State Insurance Regulation

23.

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 175 (187,120)

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

24.

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 161 (200,957)

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Insurance, Coverage, Interpretation, Ambiguity Rule, Reasonable Expectations

25.

Ending Public Utility Style Rate Regulation in Insurance

35 Yale Journal on Regulation 941 (2018)
Number of pages: 49 Posted: 03 Aug 2017 Last Revised: 16 Jul 2020
Daniel Schwarcz
University of Minnesota Law School
Downloads 147 (216,762)

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

26.

The Failures of State Insurance Regulation

Number of pages: 7 Posted: 27 May 2017
Daniel Schwarcz
University of Minnesota Law School
Downloads 143 (221,676)

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

27.

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 124 (247,706)
Citation 1

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

28.

Towards a Universal Framework for 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, Connecticut Law Review
Number of pages: 53 Posted: 27 Aug 2013 Last Revised: 25 Jul 2019
Ronen Avraham, Kyle D. Logue and Daniel Schwarcz
Tel Aviv University - Buchmann Faculty of Law, University of Michigan Law School and University of Minnesota Law School
Downloads 119 (255,572)

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29.

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 108 (273,768)

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

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 104 (281,055)

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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.

The Role of Courts in the Evolution of Standard Form Contracts: An Insurance Case Study

Number of pages: 48 Posted: 04 Mar 2020
Daniel Schwarcz
University of Minnesota Law School
Downloads 90 (308,635)

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Contract Innovation, Homeowners insurance, Contra Proferentem

32.

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 90 (308,635)

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

33.

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 88 (313,176)

Abstract:

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insurance

34.

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 (695,059)
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35.

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
Darcy Steeg Morris, Daniel Schwarcz and Joshua C. Teitelbaum
U.S. Census Bureau, University of Minnesota Law School and Georgetown University Law Center
Downloads 1 (707,355)
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