Nikita Aggarwal

Lecturer in Law and Postdoctoral Research Fellow

Nikita Aggarwal is a Lecturer in Law and Postdoctoral Research Fellow at UCLA’s Institute for Technology, Law and Policy. Her main research interests lie in financial law, law and technology, and consumer law. Her current research focuses on the evolving relationship between consumer credit markets, technological change, and distributive justice. Before coming to UCLA, she was a Technology and Human Rights Fellow at the Harvard Kennedy School’s Carr Center for Human Rights Policy. She has also held visiting and affiliated research positions at Yale Law School’s Information Society Project, the Oxford Internet Institute, the Oxford Faculty of Law, the European Corporate Governance Institute, and Queen Mary University of London. Prior to academia, she was a lawyer for the International Monetary Fund where she advised countries on financial and fiscal law reform and worked extensively on initiatives to reform the legal framework for sovereign debt restructuring. She continues to advise the IMF as a short-term expert. She began her legal career at Clifford Chance LLP, where she specialized in EU financial regulation and sovereign debt restructuring.

Aggarwal received her B.A. in law (LL.B., first class honours) at the London School of Economics and Political Science and her Ph.D. in law at the University of Oxford. She is a Solicitor of England and Wales. Aggarwal’s publications have appeared in the Cambridge Law Journal, Finance and Development, the Capital Markets Law Journal, and Internet Policy Review, among others.

Bibliography

  • Articles And Chapters
    • Amazon’s Pricing Paradox  (with Rory Van Loo), Harvard Journal of Law and Technology (forthcoming 2024). Full Text
    • #Fintok and Financial Regulation (with Christopher K. Odinet and D. B. Valdovinos-Kaye), 54 Arizona State Law Journal (forthcoming 2023). Full Text
    • Fintech, AI and the Evolving Regulation of Consumer Financial Privacy, in Oxford Handbook of AI Governance, (edited by Justin Bullock et al., Oxford University Press, 2022). Full Text
    • The Norms of Algorithmic Credit Scoring , 80 Cambridge Law Journal 42 (2021). Full Text
    • The New Morality of Debt , 58 Finance and Development 28 (2021). Full Text
    • The Ethics of Algorithms: Key Problems and Solutions (with Andreas Tsamados, Josh Cowls, Jess Morley, Huw Roberts, Rosaria Taddeo and Luciano Floridi), in AI and Society , (2021). Full Text
    • Fintech Credit and Consumer Financial Protection, in Routledge Handbook of Financial Technology and Law , (edited by Iris Chiu and Gudula Deipenbrock, Routledge, 2021). Full Text
    • The Ethical Debate about the Gig Economy: A Review and Critical Analysis (with Zach Tan, Josh Cowls, Jess Morley, Rosaria Taddeo and Luciano Floridi), 65 Technology in Society (2021). Full Text
    • Introduction to the Special Issue on Intercultural Digital Ethics, 33 Philosophy and Technology 547 (2020). Full Text
    • What if Facebook Goes Down? Ethical and Legal Considerations for the Demise of Big Tech (with Carl Öhman), 9 Internet Policy Review (2020). Full Text
    • Towards the Ethical Publication of Country of Origin Information (COI) in the Asylum Process (with Luciano Floridi), 30 Minds and Machines 247 (2020). Full Text
    • Artificial Intelligence Crime: An Interdisciplinary Analysis of Foreseeable Threats and Solutions  (with Thomas King, Rosaria Taddeo and Luciano Floridi), 26 Science and Engineering Ethics 89 (2020). Full Text
    • Machine Learning, Big Data and the Regulation of Consumer Credit Markets: The Case of Algorithmic Credit Scoring, Autonomous Systems and the Law (edited by Nikita Aggarwal et al, Beck, 2019). Full Text
    • Strengthening the contractual framework for sovereign debt restructuring – the IMF’s perspective (with Chanda DeLong), 11 Capital Markets Law Journal 25 (2016). Full Text
    • Eurozone Financial Rescue and Stabilization Mechanisms and their Legal Foundations (with Andrew Yianni), in Sovereign Debt Management , (edited by Rosa M. Lastra and Lee Buchheit, Oxford University Press, 2014). Full Text
    • Legal Underpinnings of an EU Banking Union, From Fragmentation to Financial Integration in Europe. (edited by Charles Enoch et al). IMF (2013). (with Barend Jansen and Alessandro Gullo).  Full Text
  • Books And Edited Volumes
    • Special Issue of Philosophy and Technology on Intercultural Digital Ethics (edited by Nikita Aggarwal, guest editor, and Luciano Floridi, editor-in-chief). Springer (2020).
    • Autonomous Systems and the Law (edited by Nikita Aggarwal, Horst Eidenmüller, Luca Enriques, Jennifer Payne and Kristin Van Zwieten, Beck, 2019).
  • Policy Papers
    • Ukraine: Technical Assistance Report-Fiscal Decentralization and Legal Framework for Fiscal Risk Management and Medium-term Budgeting (co-authored), International Monetary Fund (2019). Full Text
    • Report: Initial Coin Offerings (co-authored), Financial Markets Law Committee (2019). Full Text
    • The Opportunities and Challenges of Blockchain in the Fight Against Government Corruption (with Luciano Floridi), Council of Europe GRECO 19th General Activity Report (2019). Full Text
    • The Fund’s Lending Framework and Sovereign Debt Restructuring – Further Considerations (co-authored), International Monetary Fund (2015). Full Text
    • Progress Report on Inclusion of Enhanced Contractual Provisions in International Sovereign Bond Contracts (co-authored), International Monetary Fund (2015). Full Text
    • Reforming the Fund’s Policy on Non-Toleration of Arrears to Official Creditors (co-authored), International Monetary Fund (2015). Full Text
    • The Fund’s Lending Framework and Sovereign Debt Restructuring – Preliminary Considerations (co-authored), International Monetary Fund (2014). Full Text
    • Strengthening the Contractual Framework to Overcome Collective Action Problems in Sovereign Debt Restructuring (co-authored), International Monetary Fund (2014). Full Text
    • Cyprus: Second Review Under the Extended Arrangement Under the Extended Fund Facility and Request for Modification of Performance Criteria (co-authored), International Monetary Fund (2013). Full Text
    • Cyprus: First Review Under the Extended Arrangement Under the Extended Fund Facility and Request for Modification of Performance Criteria (co-authored), International Monetary Fund (2013). Full Text
    • A Banking Union for the Euro Area (co-authored), International Monetary Fund (2013). Full Text
  • Short Pieces, Blogs, Op-Eds
    • Before we can regulate AI, we need to know its boundaries, Chicago Tribune Online (February 2, 2024). (Op-Ed). Full Text
    • Amazon should be held accountable for promoting bad deals, Chi. Trib.. (October 11, 2023) 14. Full Text
    • The Perils of Frictionless Finance, European Corporate Governance Institute (ECGI) Blog (2022). Full Text
    • #Fintok and Financial Regulation (with Christopher Odinet and Bondy Kaye), Iowa Public Policy Briefing Paper (2022). Full Text
    • #Fintok and Financial Regulation (Christopher Odinet and Bondy Kaye), Duke FinReg Blog, (2022). Full Text
    • Fintech and the Evolving Regulation of Consumer Financial Privacy, Oxford Business Law Blog. (2022). Full Text
    • Intercultural Digital Ethics at the OII. (with Luciano Floridi), Oxford Internet Institute Blog (2020). Full Text
    • Letter: TikTok ‘turducken’ is Trump’s very own recipe, Financial Times (2020). Full Text
    • Uphold Digital Sovereignty, Avert Digital Autarky (with Luciano Floridi and Matthias Qian), Oxford Internet Institute Blog (2020). Full Text
    • Tackling the Ethical Challenges of the Gig Economy (with Luciano Floridi), Oxford Internet Institute Blog. (2020). Full Text
    • Covid-19 and the Digital Divides (with Josh Cowls, Luciano Floridi, Jakob Mokander, Jess Morley, Rosaria Taddeo, Andreas Tsamados, Vincent Wang and David Watson), Oxford Internet Institute Blog (2020). Full Text
    • Letter: Google needs a new relationship with our data, Financial Times (2020). Full Text
    • Book Review: The Political Economy of Robots: Prospects for Prosperity and Peace in the Automated 21st Century, 95 International Affairs 727. Full Text
    • Big Data and the Obsolescence of Consumer Credit Reports, Clifford Chance Talking Tech (2019). Full Text
    • Book Review: Artificial Unintelligence: How Computers Misunderstand the World., LSE Review of Books (2019). Full Text
    • Law and Autonomous Systems Series: Algorithmic Credit Scoring and the Regulation of Consumer Credit Markets, Oxford Business Law Blog. (2018). Full Text
    • Introducing a Special Series on Law and Autonomous Systems (with Horst Eidenmüller), Oxford Business Law Blog (2018). Full Text

Courses Available

LAW 532

Monetary Law and Institutions
LAW 666

The Law and Political Economy of Debt
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