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

45

DOWNLOADS
Rank 908

SSRN RANKINGS

Top 908

in Total Papers Downloads

46,631

SSRN CITATIONS
Rank 11,565

SSRN RANKINGS

Top 11,565

in Total Papers Citations

73

CROSSREF CITATIONS

54

Scholarly Papers (45)

Actions:
Email selected abstracts
1.

ChatGPT Goes to Law School

71 Journal of Legal Education 387 (2022)
Number of pages: 16 Posted: 25 Jan 2023 Last Revised: 20 Oct 2023
Jonathan H. Choi, Kristin E. Hickman, Amy Monahan and Daniel Schwarcz
University of Minnesota Law School, University of Minnesota - Twin Cities - School of Law, University of Minnesota Law School and University of Minnesota Law School
Downloads 13,816 (560)
Citation 72

Abstract:

Loading...

ChatGPT, law school, AI, natural language processing, Legal Data, NLP, Legal NLP, Legal Analytics, natural language understanding, evaluation, machine learning, artificial intelligence, artificial intelligence and law

2.

AI Tools for Lawyers: A Practical Guide

108 Minnesota Law Review Headnotes 1 (2023), Minnesota Legal Studies Research Paper
Number of pages: 35 Posted: 14 Apr 2023 Last Revised: 27 Oct 2023
Daniel Schwarcz and Jonathan H. Choi
University of Minnesota Law School and University of Minnesota Law School
Downloads 6,705 (1,928)
Citation 2

Abstract:

Loading...

Artificial Intelligence, Large Language Model, Legal Research and Writing, GPT, ChatGPT

3.

AI Assistance in Legal Analysis: An Empirical Study

Minnesota Legal Studies Research Paper No. 23-22
Number of pages: 46 Posted: 16 Aug 2023
Jonathan H. Choi and Daniel Schwarcz
University of Minnesota Law School and University of Minnesota Law School
Downloads 2,753 (8,489)
Citation 1

Abstract:

Loading...

AI, ChatGPT, Legal Reasoning

4.

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 2,556 (9,536)
Citation 15

Abstract:

Loading...

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

5.

Lawyering in the Age of Artificial Intelligence

Minnesota Legal Studies Research Paper No. 23-31
Number of pages: 51 Posted: 09 Nov 2023
Jonathan H. Choi, Amy Monahan and Daniel Schwarcz
University of Minnesota Law School, University of Minnesota Law School and University of Minnesota Law School
Downloads 2,222 (12,039)

Abstract:

Loading...

6.

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 2,098 (13,113)
Citation 1

Abstract:

Loading...

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

7.

How Privilege Undermines Cybersecurity

Harvard Journal of Law & Technology, Vol. 36, No. 2, 2023, Minnesota Legal Studies Research Paper No. 23-18
Number of pages: 61 Posted: 02 Aug 2022 Last Revised: 25 Jul 2023
Daniel Schwarcz, Josephine Wolff and Daniel W Woods
University of Minnesota Law School, The Fletcher School of Law and Diplomacy, Tufts University and University of Edinburgh
Downloads 1,315 (26,849)
Citation 3

Abstract:

Loading...

Cybersecurity, breach, incident response, attorney-client privilege, work product immunity

8.

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 Law School and University of Minnesota Law School
Downloads 1,297 (27,403)

Abstract:

Loading...

health care reform, employer health insurance, health insurance markets

9.

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 1,107 (34,459)
Citation 23

Abstract:

Loading...

10.

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 1,035 (37,984)
Citation 2

Abstract:

Loading...

Formative Feedback, Law School Education, Individualized Feedback

11.

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 874 (48,026)
Citation 4

Abstract:

Loading...

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

12.

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 727 (61,634)
Citation 4

Abstract:

Loading...

Insurance, ADR, Consumer Financial Services, Innsurance Regulation

13.

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 638 (72,966)
Citation 10

Abstract:

Loading...

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

14.

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 630 (74,062)

Abstract:

Loading...

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

15.

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 629 (74,215)

Abstract:

Loading...

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

16.

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 508 (96,801)
Citation 1

Abstract:

Loading...

Shadow Insurance, Systemic Risk, Insurance Regulation, Captive Reinsurance

17.

Rules of Medical Necessity

Iowa Law Review, Vol. 107, 2022
Number of pages: 68 Posted: 14 Feb 2021 Last Revised: 01 Jul 2021
Amy Monahan and Daniel Schwarcz
University of Minnesota Law School and University of Minnesota Law School
Downloads 495 (99,865)

Abstract:

Loading...

Health Insurance, Medical Necessity, Insurance Coverage, Experimental, Investigative, External Review

18.

The Limits of Regulation by Insurance

98 Indiana Law Journal (2023), Virginia Public Law and Legal Theory Research Paper No. 2022-34, Virginia Law and Economics Research Paper No. 2022-06
Number of pages: 68 Posted: 26 May 2022 Last Revised: 25 Jul 2022
Kenneth S. Abraham and Daniel Schwarcz
University of Virginia School of Law and University of Minnesota Law School
Downloads 469 (106,562)
Citation 2

Abstract:

Loading...

Insurance; Regulation; Regulation by Insurance

19.

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 430 (118,066)
Citation 2

Abstract:

Loading...

insurance, agent

20.

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 423 (120,389)

Abstract:

Loading...

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

21.

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 416 (122,693)

Abstract:

Loading...

Insurance, Consumer Protection, Transparency, Financial Regulation

22.

Courting Disaster: The Underappreciated Risk of a Cyber-Insurance Catastrophe

Connecticut Insurance Law Journal forthcoming (2021, Symposium on Cyber Insurance), Virginia Public Law and Legal Theory Research Paper No. 2021-15
Number of pages: 64 Posted: 26 Feb 2021
Kenneth S. Abraham and Daniel Schwarcz
University of Virginia School of Law and University of Minnesota Law School
Downloads 401 (127,990)
Citation 3

Abstract:

Loading...

cyberattack, cyber insurance, catastrophic risk

23.

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 382 (135,236)

Abstract:

Loading...

Insurance, Demand Anomalies, Libertarian Paternalism, Expected Utility Theory

24.

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 371 (139,665)
Citation 1

Abstract:

Loading...

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

25.

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 298 (176,529)
Citation 4

Abstract:

Loading...

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

26.

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 Law School and University of Minnesota Law School
Downloads 289 (182,389)
Citation 4

Abstract:

Loading...

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

27.

Redesigning Widespread Insurance Coverage Disputes: A Case Study of the British and American Approaches to Pandemic Business Interruption Coverage

DePaul Law Review, Forthcoming
Number of pages: 39 Posted: 27 Sep 2021 Last Revised: 11 Apr 2022
Daniel Schwarcz
University of Minnesota Law School
Downloads 283 (186,281)

Abstract:

Loading...

Business Interruption Coverage, Insurance Litigation, Pandemic, Certification

28.

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 280 (188,316)
Citation 1

Abstract:

Loading...

Regulatory Capture, Insurance Regulation, Tripartism, Proxy Advocacy,

29.

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 275 (191,843)
Citation 1

Abstract:

Loading...

Insurance, Financial Regulation, Optional Federal Charter, Regulatory Competition

30.

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 268 (196,906)
Citation 1

Abstract:

Loading...

auto insurance, income, insurance score, proxy

31.

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 250 (210,938)
Citation 4

Abstract:

Loading...

financial regulation, contrarians, Dodd-Frank

32.

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 245 (215,149)
Citation 1

Abstract:

Loading...

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

33.

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

Brigham Young University Law Review, Vol. 2021, No. 1, 2021
Number of pages: 50 Posted: 04 Mar 2020 Last Revised: 04 Sep 2020
Daniel Schwarcz
University of Minnesota Law School
Downloads 221 (237,647)
Citation 1

Abstract:

Loading...

Contract Innovation, Homeowners insurance, Contra Proferentem

34.

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 206 (253,592)
Citation 3

Abstract:

Loading...

Insurance, Coverage, Interpretation, Ambiguity Rule, Reasonable Expectations

35.

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 202 (258,193)

Abstract:

Loading...

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

36.

The Failures of State Insurance Regulation

Number of pages: 7 Posted: 27 May 2017
Daniel Schwarcz
University of Minnesota Law School
Downloads 200 (260,568)

Abstract:

Loading...

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

37.

Health-Based Proxy Discrimination, Artificial Intelligence, and Big Data

Houston Journal of Health Law and Policy, 2021
Number of pages: 22 Posted: 30 Mar 2021
Daniel Schwarcz
University of Minnesota Law School
Downloads 193 (269,014)

Abstract:

Loading...

Artificial Intelligence, Big Data, Discrimination, Fair AI, Health-Based Discrimination

38.

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 182 (283,343)

Abstract:

Loading...

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

39.

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 164 (310,043)
Citation 3

Abstract:

Loading...

40.

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 149 (335,941)
Citation 1

Abstract:

Loading...

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

41.

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 143 (347,171)

Abstract:

Loading...

insurance

42.

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 142 (349,172)

Abstract:

Loading...

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

43.

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 126 (382,677)

Abstract:

Loading...

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

44.

Evolving Approaches to Systemic Risk Regulation in Insurance

Forthcoming, Research Handbook on International Insurance Law & Regulation (2nd edition) (Julian Burling & Kevin Lazarus, eds., 2022), Boston College Law School Legal Studies Research Paper No. 582
Number of pages: 26 Posted: 06 Apr 2022 Last Revised: 13 Apr 2022
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 116 (406,737)

Abstract:

Loading...

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

45.

The Value and Reality of Transparent Consumer Insurance Contracts

Number of pages: 27 Posted: 29 Oct 2022
Kyle D. Logue, Daniel Schwarcz and Brenda J. Cude
University of Michigan Law School, University of Minnesota Law School and University of Georgia Department of Financial Planning, Housing and Consumer Economics
Downloads 102 (446,341)

Abstract:

Loading...

insurance, personal lines, readability, insurance policy