In the past few decades, economic analysis of law has been challenged by a growing body
of experimental and empirical studies that attest to prevalent and systematic deviations from …

Over the last decade, a growing number of digital startups launched bids to lure business
from the financial services industry. 1 Armed with what they claim are vast quantities of data …

The recent financial crisis has led many to question how well businesses deliver services
and how well regulatory institutions address problems in consumer financial markets. This …

This book was first conceived over 25 years ago. In 1982 when I was first approached by
Tim Hardwick to write this book the world was a very different place. The United Nations …

Credit has become a significant institution within the American social safety net.
Accordingly," access to credit" talk pervades the current discourse of financial rights and …

In a growing number of consumer transactions today, firms exploit consumer confusion and
promote poor buying choices. The resulting transactions are often lousy, whether one uses …

High-interest payday loans have proliferated in recent years; so too have efforts to regulate
them. Yet how borrowers respond to such regulations remains largely unknown. Drawing on …

The annualized interest rate for a payday loan often exceeds 10 times that of a typical credit
card, yet this market grew immensely in the 1990s and 2000s, elevating concerns about the …

Ever since Alexander Bickel published The Least Dangerous Branch in 1962, American
constitutional theorists have agonized over the supposedly" countermajoritarian" character …

In recent years, much attention has been paid to the startling disparities in income and
wealth in contemporary US society. The enormous concentration of economic power in the …