The Bully Will Keep On Getting Away With Harassing Others Until People Stop Falling For His Victim … [Read more...]
Government Uses The Age-Old Bully’s Trick: Pretending the Victim Is the Attacker… and the Bully is Merely Defending Himself
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...]
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: 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...]
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...]
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...]