Business & Political Science

Acknowledgements 
Preface
About the Author 

Chapter 1 Judiciary Data Privacy and the Emergence of Daniel’s Law
Abstract 
Key Events Leading to Daniel’s Law
Daniel’s Law Provisions
       Creation of a Protected Class 
       Criminal and Personal Liability
       Exceptions to Daniel’s Law
Challenges and Criticisms of Daniel’s Law 
       Lawsuits Impacting Nonprofits
       Criticisms from Data Broker Industry and Other Business Groups
       Criticisms from Journalists 
       More on First Amendment Challenges
Push for Daniel’s Law to Become Federal Legislation
Judge Esther Salas’ Continued Advocacy
       2023 Legislative Summit of the National Conference of State Legislatures 
Inside the Numbers
       Summary on Threats Received by Judges
Concerns about Political Rhetoric
Final Thoughts
References

Chapter 2 CFPB Look into Zelle 
Abstract 
Zelle and Its Origins
       Role of EWS
Understanding the Zelle Lawsuit 
       CFPB v EWS (December 2024) Key Issues 
       Summary of CFPB v. EWS 
Timing of Zelle Lawsuit and Political Concerns
       Politics at the Time of Zelle Lawsuit and After 
Dismissal of Zelle Lawsuit
       Mixed Reactions from Consumer Advocate Groups
Final Thoughts
References

Chapter 3 An Examination of Ethical Standards from Scandals: Enron, Madoff Ponzi Scheme, and Wells Fargo Gr-Eight Initiative 
Abstract 
The Enron Scandal 
Understanding Enron’s Existence and Questionable Accounting Practices
       How Enron Started
       MTM Accounting Practice 
       Culpability and Collapse of Arthur Andersen
Bernard L. Madoff Investment Securities LLC Ponzi Scheme 
       Who Was Bernie Madoff?
       Understanding the Madoff Ponzi Scheme
Madoff Financial Ethical Principles Violated 
       Integrity 
       Social Responsibility 
       Veracity
       Common Good
Global Impact of Madoff’s Deception 
       What Happened to Bernie Madoff?
Wells Fargo
       Background
       John Stumpf
       Carrie Tolstedt
Wells Fargo Ethical Philosophy 
       Ethical Philosophy Analysis
Wells Fargo History of Fraudulent Activity 
Key Events Leading to Wells Fargo Fake Accounts Scandal in 2016
Recent Practice of Ethical and Social Irresponsibility
Benefits and Problems Resulting from Current Approach to Performance 
Wells Fargo Settlement for Civil and Criminal Investigations
Final Thoughts
References

Chapter 4 Ethical Supply Chain Issues During COVID-19 
Abstract 
Supply Chain Disruptions Relationship Impact
       Common Causes of Supply Chain Disruptions
COVID-19 Supply Chain Disruptions and Ethical Concerns
       Healthcare 
       Retail Clothing Stores 
       Grocery Stores and Large Companies 
       Wholesale and General Retail
       Restaurants
Ethical Supply Chain Best Practices
       Regulatory Compliance
       Supply Chain Traceability 
       Managing People in the Supply Chain
       Code of Conduct
       Data and Information Systems
Final Thoughts
References

Chapter 5 Looking Back at the 2016 and 2024 DOL Salary Threshold Failures
Abstract 
Looking Back at 2016 and 2024 Overtime Rules Failure 
2016 Proposal to Change FLSA Salary Threshold 
       Options for Compliance with 2016 FLSA Exemption Thresholds
       Comment Period
       Implications on Government 
       Implications on Higher Education 
       Implications on Service Industry
Legal Challenges
       Brief Summary of Nevada v. US Department of Labor (2016) 
Understanding Economic Flaws with 2016 Nevada v. Department of Labor Case 
       Key Economic Flaws Made by Judge Amos Mazzant
Department of Labor Overtime Exemption Rule Increase in 2019
Department of Labor Overtime Exemption Proposed Rule Increase in 2024 
       Comments from Various Organizations on the 2024 Proposed Final Rule
       Failure to Account for Regional Market and Economic Differences
       Negative Impact on Part-Time Employment Opportunities 
       Negative Impact on Flexibility and Morale
       Increases in EAP Exemption Salary Threshold Should Be Incremental
       Negative Impact on Economy of Puerto Rico 
       2024 DOL Final Rule Proposal Key Provisions
       Basis for Legal Challenges to 2024 DOL Final Rule
       Final Ruling
Conclusion
References