In the years leading up to the 2008 financial crisis, financial institutions targeted
communities of color with expensive and risky subprime mortgage products. Hundreds of …

In 2010, Congress enacted the Dodd-Frank Act in an effort to address the market failures
that triggered the 2008 financial crisis. 1 Following the recom-mendations of an article …

Abstract Information about consumers, their money, and what they do with it is the lifeblood
ofthe fourishing financial technology (" FinTech") sector. Historically, highly regulated banks …

The Constitution vests" the executive Power" in the President.'But there is more to execution
than power. This Article will show that the executive power is checked by the internal …

Overcriminalization has been identified in legal literature as a growing problem plaguing the
United States criminal justice system. As a recognized problem across the political spectrum …

Banks are subject to heavy regulation that is secret, not justified by cost-benefit analysis, not
reviewed by the courts, not constrained by congressional appropriations, and not responsive …

Regulation chronically suffers significant delay starting at the detectable initiation of a"
regulable activity" and culminating at effective regulatory response. Regulator reaction is …

Consumers don't like their banks. The public rightly considers the traditional banking system
slow, expensive, and unfair. Taking advantage of this dissatisfaction, major technology …

In 2022, crypto markets imploded. More than $2 trillion in value was wiped away as many
popular cryptocurrencies such as Dogecoin, Bitcoin, and Terra lost more than half their …

The Forgotten Stewards of Higher Education Quality Page 1 The Forgotten Stewards of Higher
Education Quality Matthew Adam Bruckner* A "triad" of regulators is supposed to ensure that …