The relationship between race and civil courts has been understudied and undertheorized.
Those who research and practice in those courts-and certainly those individuals who are …

The digital economy is changing everything, including how we borrow money. In the wake of
the 2008 crisis, banks pulled back in their lending and, as a result, many consumers and …

By any measure, the overwhelming majority of human beings (as opposed to corporations,
labor unions, or other incorporeal entities) who face legal problems in the United States do …

The Federal Trade Commission, a US agency created in 1914 to police the problem
of'bigness', has evolved into the most important regulator of information privacy-and thus …

We assemble studies within a set that we label randomized control trials (RCTs) in the US
legal profession. These studies are field experiments conducted for the purpose of obtaining …

The time before a person files bankruptcy is sometimes called the financial" sweatbox." 1
People in the financial sweatbox are on the brink of defaulting on their debts, which is when …

Proponents of so-called" smart contracts" have suggested that these innovations could be
deployed in the consumer finance space, providing automated enforcement that would …

The last thirty years have seen dramatic growth in civil consumer debt and criminal justice
debt, as well as abuses associated with the collection of such debts. Consumer debt …

Our legal system is organized around the concepts of rights and duties.'Freedom, autonomy,
bodily integrity, property, and other interests and values that receive legal recognition are …

While the right to have one's day in court is a cherished feature of the American democratic
system, alarms that the United States is hopelessly litigious and awash in frivolous claims …