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the move toward adjustable-rate mortgages as part of the downfall of the U.S. mortgage market, in fact the domi-nance of fixed rate mortgages found in the United States is quite exceptional—Austria, the United Kingdom, and Spain are examples of nations with high rates of homeownership in which variable-rate mortgages are the norm. Lea suggests that our system—which ironically has the highest level of government involvement of all those studied and yet suf-fered the most dramatic collapse—can learn from home lending practices in other nations. Other articles in this collection focus on regulatory ques-tions, asking how we can do better in the future. Articles by Fishbein and Essene; Jackson; and Campbell et al. examine such issues as how to improve disclosure laws so that they provide greater transparency or how to minimize the asym-metries of information that keep parties in the lending and securitization process from fully understanding the risks they are incurring. Several authors make note of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, which will have far-reaching implications for many aspects of consumer credit, but whose full impact has yet to be felt. Ludwig’s “Comment ” section summarizes many of these recommendations for “moving forward, ” concluding that the benefits of an improved credit system “are sweeping and tangible, with the results clearly seen within households, neighborhoods, cities and states throughout the country ” (p. 8). The individual contributions of Moving Forward all pro-vide insight into various aspects of mortgage and consumer financing; taken together, the book offers an opportunity to reflect on the role of consumer finance in the recent financial crisis as well as an opportunity to learn lessons from that crisis that can be applied to future policy and practice