May 24, 2013

Government Uses The Age-Old Bully’s Trick: Pretending the Victim Is the Attacker… and the Bully is Merely Defending Himself

The Bully Will Keep On Getting Away With Harassing Others Until People Stop Falling For His Victim … [Read more...]

Zywicki’s Interchange Settlement Balderdash

I was really hoping that I would be able to go at least a year without having to call Todd Zywicki … [Read more...]

Latest Visa Fraud

A heads up regarding the latest in Visa fraud. Royal Bank received this communication about the … [Read more...]

Payday Loans and the Tribal Sovereignty Model

Think about what happens when you pit tribal sovereign immunity against effective consumer … [Read more...]

Payday Loans and the Tribal Sovereignty Model

Think about what happens when you pit tribal sovereign immunity against effective consumer … [Read more...]

Unlawful Intrusions | Indiana Sets A Model For All States

The Market Ticker – Indiana Sets A Model For All States It’s about damn time. Every time … [Read more...]

The Bully Model of Consumer Finance and Litigation

The Bully Model of Consumer Finance and Litigation There’s a fearful symmetry in the consumer … [Read more...]

The Bully Model of Consumer Finance and Litigation

There's a fearful symmetry in the consumer finance world. It's a symmetry of bullies … [Read more...]

Reputational Sanctions in an Age of Internet Manipulation?

A major argument against substantive regulation of industries (including consumer finance) is that … [Read more...]

Can Warren avoid a primary fight?

"If Elizabeth Warren turns down the debates, it looks bad, like she is shirking." A few months ago, … [Read more...]

Learn about Teaching Consumer Law at Houston Law Center May 18-19, 2012

On May 18-19, the Center for Consumer Law at the University of Houston Law Center will hold its … [Read more...]

FTC Mobile Payments Conference on April 26

Here's a plug for a conference on mobile payments that the FTC is hosting next week.  It will … [Read more...]

Platform, Infrastructure, Utility?

While we’ve been blogging, Stevie has begun his dissertation fieldwork in Korea. He emailed Bill … [Read more...]

Cash as Social Infrastructure

Sticker in San Francisco: "Of course it's cash-only, it's the … [Read more...]

Cash: Killing It, or Building Bridges to It?

Much has been written about the inherent riskiness of cash. It is dangerous because it can be lost, … [Read more...]

New Panel Data!

The Fed has just released their data from the 2007-2009 panel Survey of Consumer Finances.  The … [Read more...]

Principal Reduction and Strategic Default

Moral hazard, moral hazard, moral hazard....  How often have we heard that as a reason for why … [Read more...]

Girl Scouts Add Consumer Finance to the Badges

People with young girls may already have heard about this. Girl Scouts has rolled out a few new … [Read more...]

Robosigning 2.0: Coming to a Foreclosure Review Near You

Last October, I wrote a post entitled "Robosigning 2.0" that discussed some job ads for … [Read more...]

RDC App for Citibank?

Citibank is running commercials featuring the ability to deposit checks remotely via mobile device, … [Read more...]

Credit for Parenthood (in the Wall Street Journal)

Wall Street Journal Reporter Jessica Silver-Greenberg casts a spotlight on the market for fertility … [Read more...]

The Backdrop for BROKE: Consumer Debt Then and Now

In the introductory chapter of the book, Broke: How Debt Bankrupts the Middle Class,  I present … [Read more...]

Should the Government or the Market Set Mortgage Down Payments? A New Study

UNC's Center for Community Capital has posted a new analysis of 19.5 million mortgage loans … [Read more...]

American Capitalism: Profit, But Fairly

Adam Davidson wrote up an interesting apologia for Wall Street in the NY Times last week, which I … [Read more...]

The Consumer Finance Pantheon?

In putting together a revised syllabus for my consumer finance course this semester, I was struck … [Read more...]

Foreclosure Timelines and Mortgage Delinquency: More Evidence from Bankruptcy

At the end of a lively session yesterday at Duke Law School featuring Professor Stephen Ware of … [Read more...]

Foreclosure Timelines and Mortgage Delinquency: More Evidence from Bankruptcy

At the end of a lively session yesterday at Duke Law School featuring Professor Stephen Ware of … [Read more...]

What is the Relationship Between Credit Cards and Mortgage Delinquency?

Previously I mentioned this new paper on homeowners in bankruptcy in the American Bankruptcy Law … [Read more...]

BROKE: A New Book on Consumer Debt and Bankruptcy

Just in time for New Year's resolutions on 1) reading more, 2) paring back your own debt, and … [Read more...]

In or Out of Mortgage Trouble? A Study of Bankrupt Homeowners

This is a newly published paper  in the American Bankruptcy Law Journal that I was lucky to work … [Read more...]

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