Add to ORKGConsumer protection in financial services has failed. A crisis is now playing itself out in the mortgage, credit card, auto loan, title loan, refund anticipation loan, and payday loan markets. Consumer protection was a traditional element of states\u27 regulatory power until federal preemption ousted states from almost all direct regulation of federally chartered banks without substituting equivalent protections and enforcement. This Article argues that one avenue may remain to permit states to engage in consumer-protection regulation of federally chartered banks. Recent changes in financial markets have placed the majority of consumer debt in the hands of secondary-market entities, such as securitization trusts and debt collectors, which a...
Each year, states pour millions and millions of dollars of taxpayer money into regulating high-cost ...
The Great Recession awoke state legislators to the power of individuals’ credit reports to hinder th...
In the aftermath of the financial crisis of 2008, low-income borrowers have been virtually shut out ...
With hundreds of millions of Americans owing more than $14 trillion in combined household debt, a ro...
Consumer protection in financial services has failed. A crisis is now playing itself out in the mort...
This Article will appear in a May 2009 symposium issue of the Florida International University Law R...
After existing regulatory systems failed to prevent the recent financial crisis, Congress passed the...
The financial crisis exposed major faultlines in banking and financial markets more broadly. Policym...
This Article takes stock of post-financial crisis regulatory developments to tell a tale of two mark...
Government regulation is often necessary, sometimes in heavy doses, for private markets to function ...
The recent financial crisis has led many to question how well businesses deliver consumer financial ...
An important problem confronting those in the consumer credit industry is the absence of a cohesive ...
This Article discusses the continuing problem of predatory lending abuses in the subprime home mortg...
The Cost of Credit: Protecting Consumers in a Regulated Fringe Credit Market proposes that federal f...
The 2008 financial crisis exposed a longstanding problem in financial regulation: traditional regula...
Each year, states pour millions and millions of dollars of taxpayer money into regulating high-cost ...
The Great Recession awoke state legislators to the power of individuals’ credit reports to hinder th...
In the aftermath of the financial crisis of 2008, low-income borrowers have been virtually shut out ...
With hundreds of millions of Americans owing more than $14 trillion in combined household debt, a ro...
Consumer protection in financial services has failed. A crisis is now playing itself out in the mort...
This Article will appear in a May 2009 symposium issue of the Florida International University Law R...
After existing regulatory systems failed to prevent the recent financial crisis, Congress passed the...
The financial crisis exposed major faultlines in banking and financial markets more broadly. Policym...
This Article takes stock of post-financial crisis regulatory developments to tell a tale of two mark...
Government regulation is often necessary, sometimes in heavy doses, for private markets to function ...
The recent financial crisis has led many to question how well businesses deliver consumer financial ...
An important problem confronting those in the consumer credit industry is the absence of a cohesive ...
This Article discusses the continuing problem of predatory lending abuses in the subprime home mortg...
The Cost of Credit: Protecting Consumers in a Regulated Fringe Credit Market proposes that federal f...
The 2008 financial crisis exposed a longstanding problem in financial regulation: traditional regula...
Each year, states pour millions and millions of dollars of taxpayer money into regulating high-cost ...
The Great Recession awoke state legislators to the power of individuals’ credit reports to hinder th...
In the aftermath of the financial crisis of 2008, low-income borrowers have been virtually shut out ...