Fintech Disruption: Balancing Financial Services Innovation and Regulation

By Alex Kraik* The financial services sector, specifically banking, has been mostly impervious to new competition. This is due to regulatory bulwarks that create barriers to entry and the industry’s unique business model.[1]  However, over the past decade, the staid financial world has attracted new industry participants.  These interlopers are beginning to pose a serious […]

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MS4 Regulation and Water Quality Standards

By Matt Carlisle* I.  Introduction: Storm water is a major polluter. As one judge put it, “Storm water runoff is one of the most significant sources of water pollution in the nation, at times ‘comparable to, if not greater than, contamination from industrial and sewage sources.’”[1] Storm water “runoff may contain or mobilize high levels […]

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Texas Land Ownership

By Alexandra Noll* Texas law creates a unique land ownership structure. Under Texas law, there are two different sets of rights that govern the use of land. The first is the “surface estate,” which allows for the owner to have dominion over the property, and the second is the “mineral estate,” which allows the owner […]

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The SB 32 Scoping Plan Update, Waivers, and ZEVs

By Garrett Lenahan* I.  Scoping Plan Background Two prominent pieces of Californian legislation that seek to address climate change are Assembly Bill 32 (“AB 32”) and Senate Bill 32 (“SB 32”). AB 32 required California to reduce its greenhouse gas (“GHG”) emissions to the 1990 level by 2020. It tasked the Air Resources Board with […]

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Trump and the Future of Climate Change

By Jason Zhu* Now that Trump is our president, the next question is what he will do to the environment. President Trump famously coined climate change as a “Chinese hoax”[1] and, with a republican majority in both Houses, he now has the power and the popular mandate to debunk this “myth.” Like those who work […]

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