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The IUP Law Review

Apr'15

This issue contains four papers. The first paper, “Protection Against Genetic Discrimination: A Comparative Overview of Policy Positions”, by Subhash Chandra Singh, presents a comparative study of positions taken in various countries on issues in genetics and life insurance.

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Protection Against Genetic Discrimination: A Comparative Overview of Policy Positions
Redressal of Consumer Grievances: A Perspective
Implementation of Labor Laws Inside SEZs in India: A Perfect Example of Economic Development Versus Social Security
‘Inhuman Business in Human Law’: Human Organ Transplantation and the Legal Position
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Protection Against Genetic Discrimination: A Comparative Overview of Policy Positions

--Subhash Chandra Singh

Genetic tests are the newest addition to a growing variety of medical tests. All medical tests are designed to provide important information about the state of health. For genetic tests, as for other medical tests, there can be tension because of anticipation of the test, and the results can be troubling for people who receive bad news. Yet many people consider genetic tests—and the information they provide—to be different from other types of medical tests. This means that a genetic test, which provides information about the genetic status of one person, can also alert others in the family to the fact that they also may have the same mutation. More than other types of testing, a genetic test of a single individual can be viewed as a test of a whole family. The discriminatory use of genetic information might occur in certain contexts such as that of employment and insurance, which may create hardship for people in different manner. This paper critically examines how the people are unfairly treated because of their actual or perceived genetic variations.

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Redressal of Consumer Grievances: A Perspective

--V G Ranganath

The Preamble to Consumer Protection Act provides for better protection of the interests of consumers and for that purpose to make provision for the establishment of consumer councils and other authorities for the settlement of consumer’s disputes and for matters connected therewith. Nowadays, lots of cases are found in our country where the innocent/ignorant people are defrauded by misleading advertisement, unfair trade practice, and medical negligence by unqualified and unregistered medical practitioners. The Supreme Court has repeatedly expressed the view that the governments and statutory authorities should be model or ideal litigants and should not put forth false, frivolous, vexatious, technical (but unjust) contentions to obstruct the path of justice. The Court has to keep in mind that the special period of limitation has been prescribed under the Act for filing appeals and revisions in consumer matters and the object of expeditious adjudication of the consumer disputes will get defeated if the appeals and revisions which are highly belated are entertained.

Article Price : Rs.50

Implementation of Labor Laws Inside SEZs in India: A Perfect Example of Economic Development Versus Social Security

--Kasturi Bhagat

The question of economic development at the cost of social development has stirred many controversies in the history of independent India. The objective of this paper is to examine the social security of laborers inside the Special Economic Zones (SEZs) in India. A cursory reading of the SEZ Act, 2005, does not reveal if the labor legislations in India are same inside and outside the SEZs. The only evident piece of information that the Act is clear about is that labor in the SEZs is subject to a modified regime which aims at non-implementation of labor laws within the SEZs in India. This paper further evaluates the question of formation of trade unions within the SEZs. Further, it evaluates the possibility of the workers going on a strike within the SEZs. The author proposes creation of a new legal regime for the implementation of labor laws within the SEZs.

Article Price : Rs.50

‘Inhuman Business in Human Law’: Human Organ Transplantation and the Legal Position

--M Madhuri Irene

Human organ transplantation has been recognized as one of the most effective medical advances of the century as it ensures the gift of life to patients with terminal failure of vital organs. However, for its success, it requires the participation of other fellow human beings and society. The increasing incidence of vital organ failure and the inadequate supply of organs, especially from cadavers, have created a wide gap between organ supply and organ demand, which has resulted in very long waiting times to receive an organ as well as an increasing number of deaths while waiting. These events have raised many ethical, moral and societal issues regarding supply and the methods of organ allocation. The legislation called the Transplantation of Human Organ Act (THOA) was passed in India in 1994 to streamline organ donation and transplantation activities. Despite the enactment of THOA, organ commerce and scandals are regularly reported in the Indian media. In most instances, the implementation of the law has been flawed, and more often than not, its provisions have been abused. Hence, clarity in such legislation is very much needed to put an end to commercial exploitation of organs.

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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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