In the meantime, legislators should emulate the states that have enacted rate caps to drive out payday lenders.
He recommends every organisation should report publicly on whether they have enacted his recommendations.
While most of the countries studied have enacted national legislation, the absence of legislation in seven of these countries should not be equated with the absence of regulation.
He held that judges should adhere closely to precedent, disregarding their own opinions, and decide only "whether legislators could in reason have enacted such a law".
Forty-six staroundround the country have enacted laws that protect an artist-consignor's works from being seized by creditors if the gallery should go bankrupt.
Thirty-six states have enacted apology laws.
Seven states have enacted similar measures.
Of those, 22 have enacted total bans.
Maryland, New Jersey, Illinois and Hawaii have enacted such legislation.
Other states have enacted or begun the process to enact such laws.
