One in ten adult Americans has turned to the consumer bankruptcy system for help, often
after struggling for years to pay their debts. 1 Between 2009 and 2018 alone, over 11 million …

The racial gap in wealth in the United States is astonishing. A 2019 survey found that the
typical White family has eight times the wealth of the typical African American family and five …

The history of consumer goods and consumer credit markets presents an anomaly: market
transactions for consumer goods and credit transactions evolved in tandem, from face-to …

This Article is about the views that shape and constrain the development of consumer law.
Consider the market for short-term, highcost loans. Policymakers tend to justify intervening in …

We examine how lower-income households in the United States acquire automobiles.
Although car ownership plays a vital role in social and economic mobility in the US …

Decades of research have shown that many college-educated young adults lack the
necessary skills to design and follow a sustainable budget, responsibly manage debt, and …

In economics literature, public policies are often compared to the benchmark of a benevolent
regulator-one that maximizes social welfare while balancing the interests of all affected …

Among the weaknesses within American society exposed by the COVID pandemic, almost
none has emerged more starkly than the government's failure to provide meaningful and …

This Article looks at consumer complaints about student loan lenders and servicers from the
Consumer Financial Protection Bureau's (CFPB's) consumer complaint database. Using a …

On October 20, 2021, New York City taxi drivers began a hunger strike for debt relief. 1 From
2002 to 2014, taxi drivers took on substantial debt to purchase taxi medallions2 at inflated …