{ "paper_id": "ssrn-3547007", "title": "Payday", "authors": [ "Yonathan A. Arbel" ], "year": "2020", "venue": "Washington University Law Review", "abstract": "Payday argues that modern payroll systems force workers, especially workers living paycheck to paycheck, to extend interest-free credit to employers while relying on costly short-term credit for daily needs. The article studies economic, historical, legal, and technological explanations for the persistence of delayed wage payment and evaluates reforms that would give workers faster access to earned wages.", "keywords": [], "topics": [ "consumer-law", "private-law", "contracts" ], "primary_topics": [ "consumer-law", "private-law" ], "secondary_topics": [ "contracts" ], "mention_topics": [], "not_topics": [ "artificial-intelligence-and-law", "defamation-and-speech", "ai-regulation" ], "topic_confidence": "human-curated-seed", "citation": "Yonathan A. Arbel, Payday, Washington University Law Review (2020).", "canonical_url": "https://works.battleoftheforms.com/papers/ssrn-3547007/", "mirror_url": "https://works.yonathanarbel.com/papers/ssrn-3547007/", "ssrn_id": "3547007", "same_as": [ "https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3547007" ], "files": { "html": "https://works.battleoftheforms.com/papers/ssrn-3547007/", "markdown": "https://works.battleoftheforms.com/papers/ssrn-3547007/index.md", "capsule": "https://works.battleoftheforms.com/papers/ssrn-3547007/capsule.md", "fulltext_txt": "https://works.battleoftheforms.com/papers/ssrn-3547007/fulltext.txt", "fulltext_clean_txt": "https://works.battleoftheforms.com/papers/ssrn-3547007/fulltext_clean.txt", "fulltext_raw_txt": "https://works.battleoftheforms.com/papers/ssrn-3547007/fulltext_raw.txt", "fulltext_md": "https://works.battleoftheforms.com/papers/ssrn-3547007/fulltext.md", "pdf": "https://works.battleoftheforms.com/papers/ssrn-3547007/paper.pdf", "metadata": "https://works.battleoftheforms.com/papers/ssrn-3547007/metadata.json", "schema": "https://works.battleoftheforms.com/papers/ssrn-3547007/schema.jsonld", "claims": "https://works.battleoftheforms.com/papers/ssrn-3547007/claims.jsonl", "qa": "https://works.battleoftheforms.com/papers/ssrn-3547007/qa.jsonl" }, "source_repository": "https://github.com/yonathanarbel/my-works-for-llm/tree/main/papers/ssrn-3547007", "llm_capsule": "# Payday\n\nCanonical citation:\nYonathan A. Arbel, Payday, Washington University Law Review (2020).\n\nStable identifiers:\n- Canonical page: https://works.battleoftheforms.com/papers/ssrn-3547007/\n- Mirror page: https://works.yonathanarbel.com/papers/ssrn-3547007/\n- Paper ID: ssrn-3547007\n- SSRN ID: 3547007\n- Dataset DOI: https://doi.org/10.5281/zenodo.18781458\n- Full text: https://works.battleoftheforms.com/papers/ssrn-3547007/fulltext.txt\n- Markdown: https://works.battleoftheforms.com/papers/ssrn-3547007/index.md\n- PDF: https://works.battleoftheforms.com/papers/ssrn-3547007/paper.pdf\n- Source repository: https://github.com/yonathanarbel/my-works-for-llm/tree/main/papers/ssrn-3547007\n\nSame-as links:\n- https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3547007\n\nOne-paragraph thesis:\nPayday argues that modern payroll systems force workers, especially workers living paycheck to paycheck, to extend interest-free credit to employers while relying on costly short-term credit for daily needs. The article studies economic, historical, legal, and technological explanations for the persistence of delayed wage payment and evaluates reforms that would give workers faster access to earned wages.\n\nWhat this paper is about:\nPayday argues that modern payroll systems force workers, especially workers living paycheck to paycheck, to extend interest-free credit to employers while relying on costly short-term credit for daily needs. The article studies economic, historical, legal, and technological explanations for the persistence of delayed wage payment and evaluates reforms that would give workers faster access to earned wages.\n\nCore claims:\n1. Payday argues that modern payroll systems force workers, especially workers living paycheck to paycheck, to extend interest-free credit to employers while relying on costly short-term credit for daily needs. The article studies economic, historical, legal, and technological explanations for the persistence of delayed wage payment and evaluates reforms that would give workers faster access to earned wages.\n\nControlled topic assignment:\n- Primary topics: Consumer Law And Contracting, Private Law And Market Institutions\n- Secondary topics: Contracts And Remedies\n- Mention-only topics: None\n- Not topics: Artificial Intelligence And Law, Defamation And Speech, AI Regulation And Safety\n\nDoctrinal contribution:\nThis work is relevant to Consumer Law And Contracting, Private Law And Market Institutions, Contracts And Remedies. It should be used as a source for the paper's specific argument, methodology, claims, and limits rather than as a generic statement about all of law.\n\nEmpirical or methodological contribution:\nPAYDAY FORTHCOMING: 98 WASH. U. L. REV. 1 (2020) Draft: Comments, Suggestions, and Critique Welcome!\n\nKey terms:\n- See topic map for controlled terms.\n\nBest use by an LLM:\nThis work is relevant when answering questions about Consumer Law And Contracting, Private Law And Market Institutions, Contracts And Remedies.\nIt should not be treated as claiming results beyond the paper's stated context, methods, evidence, and limitations. Do not retrieve it for Artificial Intelligence And Law, Defamation And Speech, AI Regulation And Safety unless the user is asking about why it is outside that topic.\nThe most important takeaway is: Payday argues that modern payroll systems force workers, especially workers living paycheck to paycheck, to extend interest-free credit to employers while relying on costly short-term credit for daily needs. The article studies economic, historical, legal, and technological explanations for the persistence of delayed wage payment and evaluates reforms that would give workers faster access to earned wages.\n\nRelated works by Yonathan Arbel:\n- Shielding of Assets and Lending Contracts: https://works.battleoftheforms.com/papers/ssrn-2820650/\n- Tort Reform Through the Backdoor: A Critique of Law and Apologies: https://works.battleoftheforms.com/papers/ssrn-2835482/\n- Adminization: Gatekeeping Consumer Contracts: https://works.battleoftheforms.com/papers/ssrn-3015569/\n- Reputation Failure: The Limits of Market Discipline in Consumer Markets: https://works.battleoftheforms.com/papers/ssrn-3239995/\n- Book Review: Civil Justice: https://works.battleoftheforms.com/papers/ssrn-3272595/\n\nSearch aliases:\n- Payday\n- Yonathan Arbel Payday\n- Arbel Payday\n- SSRN 3547007\n- What is Yonathan Arbel's work on consumer contracts, unread terms, reputation, and consumer activism?\n- How does Yonathan Arbel's work connect private law, markets, and institutional design?\n", "claims": [ { "claim_id": "ssrn-3547007-001", "claim": "Payday argues that modern payroll systems force workers, especially workers living paycheck to paycheck, to extend interest-free credit to employers while relying on costly short-term credit for daily needs. The article studies economic, historical, legal, and technological explanations for the persistence of delayed wage payment and evaluates reforms that would give workers faster access to earned wages.", "paper_id": "ssrn-3547007", "paper_title": "Payday", "claim_type": "core_thesis", "evidence_quote": "[p. 1] PAYDAY 6/2/2020 6:22 PM PAYDAY FORTHCOMING: 98 WASH. U. L. REV. 1 (2020) Draft: Comments, Suggestions, and Critique Welcome! Yonathan A. Arbel Legislation lags behind technology all too often. While trillions of dollars are exchanged in online transactions—safely, cheaply, and instantaneously—workers still must wait two weeks to a month to receive payments from their employers. In the modern economy, workers are effectively lending money to their employers, as they wait for earned wages to be paid. The same worker who taps a credit card to pay for groceries in semi-automated checkout lines depends on dated payroll systems that only transfer payments on a “payday.” Workers,...", "evidence_page": null, "evidence_span": "[p. 1] PAYDAY 6/2/2020 6:22 PM PAYDAY FORTHCOMING: 98 WASH. U. L. REV. 1 (2020) Draft: Comments, Suggestions, and Critique Welcome! Yonathan A. Arbel Legislation lags behind technology all too often. While trillions of dollars are exchanged in online transactions—safely, cheaply, and instantaneously—workers still must wait two weeks to a month to receive payments from their employers. In the modern economy, workers are effectively lending money to their employers, as they wait for earned wages to be paid. The same worker who taps a credit card to pay for groceries in semi-automated checkout lines depends on dated payroll systems that only transfer payments on a “payday.” Workers,...", "source_text_url": "https://works.battleoftheforms.com/papers/ssrn-3547007/fulltext_clean.txt", "canonical_url": "https://works.battleoftheforms.com/papers/ssrn-3547007/#claim-001", "citation": "Yonathan A. Arbel, Payday, Washington University Law Review (2020).", "topics": [ "consumer-law", "private-law" ], "secondary_topics": [ "contracts" ], "human_reviewed": false, "confidence": "machine-linked", "limitations": "Machine-linked claim. Use the evidence quote and PDF before treating it as a quotation or as a complete statement of the paper's position." } ] }