Syftet med denna uppsats är att i en jämförande studie utreda skillnaderna beträffande gällande rätt avseende upplysningsskyldigheten för säljaren vid fastighetsköp respektive vid köp av lös egendom. Uppsatsen ska även utreda huruvida skillnaderna är motiverade för säljaren av en vara. Någon bestämmelse som tar sikte på säljarens upplysningsskyldighet finns inte i 4 kap. JB. Av förarbetena framgår det att undersökningsplikten är utgångspunkten för felansvaret och att det inte finns någon generell upplysningsskyldighet för säljaren. I NJA 2007 s. 86 ansågs det motiverat att frångå gängse riskfördelning och ålägga fastighetssäljaren en upplysningsskyldighet, vilken tillsynes verkar ha en generell karaktär. I nämnda rättsfall dras paralleller med avtalsvillkoret i 19 § 1 st. 2 p. KöpL, som ger ett visst mått av upplysningsskyldighet. Inom doktrin är det omdiskuterat om säljaren i vissa situationer ska ha en sådan skyldighet. Efter avgörandet i NJA 2007 s. 86 kan det fastställas att det nu etablerats en upplysningsskyldighet vid sidan av AvtL:s ogiltighetsregler. Mot bakgrund av förarbetena, praxis och doktrin som behandlats gällande 19 § KöpL kan det konstateras att det inte finns ett klart stöd för att säljarens upplysningsskyldighet går vid sidan av AvtL:s ogiltighetsregler. Fastighetssäljaren ansvarar efter NJA 2007 s. 86 redan vid den lägre graden ohederlighet, vilket kan anses ha skapat en slags diskrepans mellan säljaren av lös egendom och fastighetssäljaren. Min sammantagna slutsats blir därmed att de skillnader som nu skapats i gällande rätt beträffande säljarens upplysningsskyldighet vid försäljning av en vara inte är motiverade, med hänsyn till den diskrepans som nu skapats mellan egendomsslagen och som inte kan undgå att betecknas som en generell upplysningsskyldighet för fastighetssäljaren. / The purpose of this thesis is to, in a comparative study, examine differences in the law concerning the obligation for a vendor to inform at real estate purchase and purchase of movable property. The thesis shall also examine whether the differences are justified for the vendor of goods. A provision that refers to the seller's obligation to inform doesn’t exist in ch. 4 JB. The legislative history shows that the buyer’s obligation to inspect is the basis for the allocation of liability and that there isn’t a general obligation for the vendor to inform. In NJA 2007 p. 86, it was considered justifiable to depart from the usual risk allocation and impose a real estate vendor an obligation to inform, which seems to be general. The case mentioned above draws parallels with the contractual term of 19 § 1p. (2) AvtL, which gives a certain degree of obligation to inform. In doctrine, it’s debated whether the vendor in some situations should have such an obligation. After the ruling in NJA 2007 p. 86, an obligation to inform alongside AvtL’s rules on invalidity has now been established. With regard to legislative history, case law and doctrine examined concerning 19 § 1p. (2) AvtL, it can be concluded that there isn’t a clear support that the vendor’s obligation to inform goes alongside the AvtL’s rules on invalidity. The vendor of real estate is liable now by NJA 2007 p. 86 already at the lower degree of dishonesty, which might have created a sort of discrepancy between the vendor of movable property and the vendor of real estate. My overall conclusion is therefore that the current differences created in the law regarding the vendor's obligation to inform when vending goods can’t be justified, having regard to the discrepancy that emerged between asset classes and which can’t avoid to qualify as a general obligation to inform for the vendor of real estate.

Thesis advisor: Larry H. Ludlow / Teachers in the United States are increasingly tasked with using data to inform their classroom instruction both through federal policies, such as the Every Student Succeeds Act (ESSA, 2016), and state policies requiring the use of teacher-determined data-driven goals for performance evaluations (MA 603 CMR 35.07). Many teachers, however, report that they feel underprepared to engage in this type of work (Dunn et al., 2013), also called Data-Driven Decision Making (DDDM). In addition, there is currently a limited set of instruments to measure the construct of using data to inform classroom instruction and the instruments that currently exist measure this construct using a typical Classical Test Theory design.This work developed an instrument called the Using Data to Inform classroom Instruction (UDII) scale to measure teachers’ use of data to inform classroom instruction. It used the Rasch/Guttman Scenario (RGS) methodology, an approach that develops scenarios that reflect the rich lived experiences of individuals (Antipkina & Ludlow, 2020; Ludlow et al., 2014). The RGS approach utilizes the Rasch model, part of the family of Item Response Theory models, which conceptualizes a construct as a hierarchical continuum. Scenario items and people are plotted on the same variable map, which allows for the development of rich descriptions of individuals at particular raw score locations on the continuum. An interpretative variable map is included to help schools and districts use the results of the survey. This work adds to the growing body of literature utilizing the RGS approach, as well as the literature focused on the use of data to inform classroom instruction (or DDDM). The UDII scale can be utilized by schools and districts who are engaged in the work of using data to inform classroom instruction to identify the current skillsets of teachers and/or teams of teachers to provide differentiated support, or it can be used before and after an intervention focused on using data to inform classroom instruction to measure change. / Thesis (PhD) — Boston College, 2022. / Submitted to: Boston College. Lynch School of Education. / Discipline: Educational Research, Measurement and Evaluation.

O superendividamento do consumidor é uma realidade preocupante da sociedade atual. A prevenção é um dos mais eficazes meios de se combater esse problema social. A informação, já consagrada como direito básico dos consumidores no artigo 6º, III, do CDC, torna-se ainda mais importante nesse contexto. Os contratos de crédito têm por característica sua complexidade, sendo extremamente difícil ao consumidor leigo entendê-los e compreendêlos. Prazos, taxas, juros, capitalização de juros, comissão de permanência, multas, contratos conexos, tudo isso se torna um emaranhado indecifrável ao consumidor. Dessa forma, acredita-se que o efetivo cumprimento do dever de informar das instituições financeiras nos contratos de crédito é um meio eficaz de prevenir o superendividamento do consumidor. A presente dissertação de mestrado analisa as fontes e a dimensão que alcança o dever de informar das instituições financeiras no contexto pré-contratual dos contratos de crédito, frente às causas do superendividamento do consumidor, pretendendo averiguar se é possível a prevenção do superendividamento através da informação e, se positivo, como será possível e quais os limites que comporta. Assim, analisar-se-á a legislação atual para examinar se é suficiente à adequada proteção do consumidor, procurando investigar como a doutrina e a jurisprudência brasileira estão tratando do assunto. Após, analisar-se-á o Projeto de Lei do Senado nº283/2012, que propõe a atualização do Código de Defesa do Consumidor, inserindo capítulo destinado à prevenção e tratamento do superendividamento do consumidor, procurando examinar se a proposta legislativa avança nas medidas de prevenção do superendividamento através da imposição de um dever de informar mais rigoroso às instituições financeiras. / The consumer’s over-indebtedness is a worrying reality of the today’s society. Preventing it is one of the most effective ways of combating this social issue. The information, already established as a basic right of consumers under article 6th, III, of Brazilian Consumer Defence Code, turns up to be even more important in this context. The credit agreements have as feature their complexity, being extremely hard to the lay consumer to understand and to comprehend it. Terms, rates, interests, interest capitalization, continuity commission, fines, related contracts, all this becomes an indecipherable tangle to the consumer. Thus, it is believed that the effective execution of the duty to inform of the financial institutions in the credit agreements is an efficient way to prevent the consumer’s over-indebtedness. The present master’s dissertation analyzes the sources and the dimension that the duty to inform of financial institutions reaches in the pre-contractual context of the credit agreements, facing the causes of consumer’s over-indebtedness, aiming to ascertain if it is possible to prevent the over-indebtedness through information and, if positive, how is it achievable and which are the limits. Thereby, the current legislation will be analyzed to examine if it is enough to the appropriate consumer’s protection, seeking to investigate how the Brazilian doctrine and jurisprudence are handling the subject. Thereupon, the Senate proposed bill n. 283/2012 will be analyzed. This bill proposes the update of Brazilian Consumer Defence Code, inserting a chapter headed for prevention and treatment of consumer’s over-indebtedness. The proposed bill will be examined to verify if it makes progress in the measures to prevent overindebtedness through the imposition of a stricter duty to inform to financial institutions.

Monitoring academic progress to guide instructional practices is an important role of teachers in a small rural school district in the Southern United States. Teachers in this region were experiencing difficulties using the approved school district model to implement data-driven instruction. The purpose of this qualitative case study was to identify elementary- and middle-level teachers' perceptions about using the Plan, Do, Study, Act (PDSA) model to analyze data in the classroom and use it to inform classroom instruction. Bambrick-Santoyo's principles for effective data-driven instruction was the conceptual framework that guided this study. The research questions were focused on teachers' perceptions of and experiences with the PDSA. A purposeful sampling was used to recruit 8 teachers from Grades 3-9 and their insights were captured through semistructured interviews, reflective journals, and document analyses of data walls. Emergent themes were identified through an open coding process, and trustworthiness was secured through triangulation and member checking. The themes were about using data to assess students, creating lessons, and collaborating with colleagues. The three findings revealed that elementary- and middle-level teachers acknowledge PDSA as an effective tool for guiding student learning, that teachers rely on assessment data, and that teachers need on-going collaborative engagement with their colleagues when using the PDSA. This study has implications for positive social change by providing a structure for improving classroom instructional practices and engaging teachers in more collaborative practices.

O superendividamento do consumidor é uma realidade preocupante da sociedade atual. A prevenção é um dos mais eficazes meios de se combater esse problema social. A informação, já consagrada como direito básico dos consumidores no artigo 6º, III, do CDC, torna-se ainda mais importante nesse contexto. Os contratos de crédito têm por característica sua complexidade, sendo extremamente difícil ao consumidor leigo entendê-los e compreendêlos. Prazos, taxas, juros, capitalização de juros, comissão de permanência, multas, contratos conexos, tudo isso se torna um emaranhado indecifrável ao consumidor. Dessa forma, acredita-se que o efetivo cumprimento do dever de informar das instituições financeiras nos contratos de crédito é um meio eficaz de prevenir o superendividamento do consumidor. A presente dissertação de mestrado analisa as fontes e a dimensão que alcança o dever de informar das instituições financeiras no contexto pré-contratual dos contratos de crédito, frente às causas do superendividamento do consumidor, pretendendo averiguar se é possível a prevenção do superendividamento através da informação e, se positivo, como será possível e quais os limites que comporta. Assim, analisar-se-á a legislação atual para examinar se é suficiente à adequada proteção do consumidor, procurando investigar como a doutrina e a jurisprudência brasileira estão tratando do assunto. Após, analisar-se-á o Projeto de Lei do Senado nº283/2012, que propõe a atualização do Código de Defesa do Consumidor, inserindo capítulo destinado à prevenção e tratamento do superendividamento do consumidor, procurando examinar se a proposta legislativa avança nas medidas de prevenção do superendividamento através da imposição de um dever de informar mais rigoroso às instituições financeiras. / The consumer’s over-indebtedness is a worrying reality of the today’s society. Preventing it is one of the most effective ways of combating this social issue. The information, already established as a basic right of consumers under article 6th, III, of Brazilian Consumer Defence Code, turns up to be even more important in this context. The credit agreements have as feature their complexity, being extremely hard to the lay consumer to understand and to comprehend it. Terms, rates, interests, interest capitalization, continuity commission, fines, related contracts, all this becomes an indecipherable tangle to the consumer. Thus, it is believed that the effective execution of the duty to inform of the financial institutions in the credit agreements is an efficient way to prevent the consumer’s over-indebtedness. The present master’s dissertation analyzes the sources and the dimension that the duty to inform of financial institutions reaches in the pre-contractual context of the credit agreements, facing the causes of consumer’s over-indebtedness, aiming to ascertain if it is possible to prevent the over-indebtedness through information and, if positive, how is it achievable and which are the limits. Thereby, the current legislation will be analyzed to examine if it is enough to the appropriate consumer’s protection, seeking to investigate how the Brazilian doctrine and jurisprudence are handling the subject. Thereupon, the Senate proposed bill n. 283/2012 will be analyzed. This bill proposes the update of Brazilian Consumer Defence Code, inserting a chapter headed for prevention and treatment of consumer’s over-indebtedness. The proposed bill will be examined to verify if it makes progress in the measures to prevent overindebtedness through the imposition of a stricter duty to inform to financial institutions.

O dever de informar é multifacetado: é ao mesmo tempo direito e dever e permeia todo o sistema protetivo do Código de Defesa do Consumidor, irradiando seus efeitos desde a fase pré-contratual da relação de consumo. Trata-se de dever que encontra fundamento na boa-fé, baseando-se na necessidade de tutela das legítimas expectativas do consumidor. O presente estudo objetiva a análise das características e correlações do dever de informar do fornecedor nas relações de consumo e as consequências de sua violação, como a não obrigatoriedade do conteúdo contratual desconhecido, o cumprimento forçado da oferta e a responsabilidade por vício e defeito de informação. / The duty to inform is multifaceted: it is at the same time right and duty and pervades the entire protective system of the Consumer Protection Code, radiating its effects since the pre-negotiation phase of the consumption relation. It arises from the good faith principle, the contractual trust and it is based on the need to safeguard the legitimate expectations of the consumer. The present study aims to address the characteristics and correlations of the supplier's duty to inform in consumer relations and the consequences of its violation, such as the non-compulsory contractual unknown content, the forced fulfillment of the offer and the liability for damages caused by lack or defect of information.

Le contrat est un acte de prévision et, à ce titre, les prévisions des parties doivent être prises en compte et respectées. A côté des prévisions contractuelles, une notion existe mais est depuis longtemps méconnue : celle de prévisibilité contractuelle. Fondement de nombreux mécanismes bien connus en droit des contrats, comme le dommage prévisible, la force majeure ou encore l'obligation de modérer le dommage, la prévisibilité contractuelle donne naissance à un devoir contractuel : le devoir de prévision, dont la violation constitue une faute de prévision. Outil de moralisation de la relation contractuelle mais également de respect des attentes des parties et de la force obligatoire du contrat, le devoir de prévision a deux conséquences principales : il donne naissance à une obligation d'informer de ce qu'on a pu prévoir, tant lors de la formation que de l'exécution du contrat, et il impose aux parties de mettre en œuvre les mesures raisonnables nécessaires à la bonne exécution du contrat. / The contract is an act of forecasting and, as such, the forecasts of the parties must be taken into account and respected. Besides that, a notion exists but has long been ignored: the notion of contractual predictability. The foundations of many well-known mechanisms in contract law, such as foreseeable damage, force majeure or the mitigation of damages, contractual foreseeability gives rise to a real contractual duty : the duty of forecasting, sanctioned by a fault of forecast. Tools for moralizing the contractual relationship but also for respecting the expectations of the parties and the force of the contract, the duty of forecasting has two main consequences: it gives rise to an obligation to inform what has been foreseen, during training and the performance of the contract, and it requires the parties to implement the necessary reasonable measures for the proper performance of the contract.

O dever de informar é multifacetado: é ao mesmo tempo direito e dever e permeia todo o sistema protetivo do Código de Defesa do Consumidor, irradiando seus efeitos desde a fase pré-contratual da relação de consumo. Trata-se de dever que encontra fundamento na boa-fé, baseando-se na necessidade de tutela das legítimas expectativas do consumidor. O presente estudo objetiva a análise das características e correlações do dever de informar do fornecedor nas relações de consumo e as consequências de sua violação, como a não obrigatoriedade do conteúdo contratual desconhecido, o cumprimento forçado da oferta e a responsabilidade por vício e defeito de informação. / The duty to inform is multifaceted: it is at the same time right and duty and pervades the entire protective system of the Consumer Protection Code, radiating its effects since the pre-negotiation phase of the consumption relation. It arises from the good faith principle, the contractual trust and it is based on the need to safeguard the legitimate expectations of the consumer. The present study aims to address the characteristics and correlations of the supplier's duty to inform in consumer relations and the consequences of its violation, such as the non-compulsory contractual unknown content, the forced fulfillment of the offer and the liability for damages caused by lack or defect of information.

O superendividamento do consumidor é uma realidade preocupante da sociedade atual. A prevenção é um dos mais eficazes meios de se combater esse problema social. A informação, já consagrada como direito básico dos consumidores no artigo 6º, III, do CDC, torna-se ainda mais importante nesse contexto. Os contratos de crédito têm por característica sua complexidade, sendo extremamente difícil ao consumidor leigo entendê-los e compreendêlos. Prazos, taxas, juros, capitalização de juros, comissão de permanência, multas, contratos conexos, tudo isso se torna um emaranhado indecifrável ao consumidor. Dessa forma, acredita-se que o efetivo cumprimento do dever de informar das instituições financeiras nos contratos de crédito é um meio eficaz de prevenir o superendividamento do consumidor. A presente dissertação de mestrado analisa as fontes e a dimensão que alcança o dever de informar das instituições financeiras no contexto pré-contratual dos contratos de crédito, frente às causas do superendividamento do consumidor, pretendendo averiguar se é possível a prevenção do superendividamento através da informação e, se positivo, como será possível e quais os limites que comporta. Assim, analisar-se-á a legislação atual para examinar se é suficiente à adequada proteção do consumidor, procurando investigar como a doutrina e a jurisprudência brasileira estão tratando do assunto. Após, analisar-se-á o Projeto de Lei do Senado nº283/2012, que propõe a atualização do Código de Defesa do Consumidor, inserindo capítulo destinado à prevenção e tratamento do superendividamento do consumidor, procurando examinar se a proposta legislativa avança nas medidas de prevenção do superendividamento através da imposição de um dever de informar mais rigoroso às instituições financeiras. / The consumer’s over-indebtedness is a worrying reality of the today’s society. Preventing it is one of the most effective ways of combating this social issue. The information, already established as a basic right of consumers under article 6th, III, of Brazilian Consumer Defence Code, turns up to be even more important in this context. The credit agreements have as feature their complexity, being extremely hard to the lay consumer to understand and to comprehend it. Terms, rates, interests, interest capitalization, continuity commission, fines, related contracts, all this becomes an indecipherable tangle to the consumer. Thus, it is believed that the effective execution of the duty to inform of the financial institutions in the credit agreements is an efficient way to prevent the consumer’s over-indebtedness. The present master’s dissertation analyzes the sources and the dimension that the duty to inform of financial institutions reaches in the pre-contractual context of the credit agreements, facing the causes of consumer’s over-indebtedness, aiming to ascertain if it is possible to prevent the over-indebtedness through information and, if positive, how is it achievable and which are the limits. Thereby, the current legislation will be analyzed to examine if it is enough to the appropriate consumer’s protection, seeking to investigate how the Brazilian doctrine and jurisprudence are handling the subject. Thereupon, the Senate proposed bill n. 283/2012 will be analyzed. This bill proposes the update of Brazilian Consumer Defence Code, inserting a chapter headed for prevention and treatment of consumer’s over-indebtedness. The proposed bill will be examined to verify if it makes progress in the measures to prevent overindebtedness through the imposition of a stricter duty to inform to financial institutions.

O dever de informar é multifacetado: é ao mesmo tempo direito e dever e permeia todo o sistema protetivo do Código de Defesa do Consumidor, irradiando seus efeitos desde a fase pré-contratual da relação de consumo. Trata-se de dever que encontra fundamento na boa-fé, baseando-se na necessidade de tutela das legítimas expectativas do consumidor. O presente estudo objetiva a análise das características e correlações do dever de informar do fornecedor nas relações de consumo e as consequências de sua violação, como a não obrigatoriedade do conteúdo contratual desconhecido, o cumprimento forçado da oferta e a responsabilidade por vício e defeito de informação. / The duty to inform is multifaceted: it is at the same time right and duty and pervades the entire protective system of the Consumer Protection Code, radiating its effects since the pre-negotiation phase of the consumption relation. It arises from the good faith principle, the contractual trust and it is based on the need to safeguard the legitimate expectations of the consumer. The present study aims to address the characteristics and correlations of the supplier's duty to inform in consumer relations and the consequences of its violation, such as the non-compulsory contractual unknown content, the forced fulfillment of the offer and the liability for damages caused by lack or defect of information.