Finance startups are offering automated advice, touchless payments, and other products that
could bring great societal benefits, including lower prices and expanded access to credit …

The world's largest companies, including Apple, Google, and Microsoft, are racing to
develop artificially intelligent butlers (AIs). They aim to allow consumers to outsource the …

The Fast and the Usurious: Putting the Brakes on Auto Lending Abuses Page 1 The Fast and
the Usurious: Putting the Brakes on Auto Lending Abuses ADAM J. LEVITIN* The car loan …

This Article argues that a cornerstone assumption of contemporary contracts scholarship is
misleading and limited. Leading academic commentary explicitly assumes that contractual …

The real property recording system is designed to protect purchasers and mortgagees
against defects in title. Navigating that system is beyond the capacity of most laymen; …

Consumer law aims to empower consumers with accurate information and to protect them
from misinformation. For complex goods and services, however, mandated disclosure laws …

During the 2000s US mortgage borrowing experienced its most volatile cycle in the postwar
record, with mortgage debt more than doubling between 2000 and 2008 before declining by …

This Article focuses on recent regulatory interventions in the consumer finance space,
considering three attempts to lower prices: a decrease in merchant interchange costs, a cap …

The real property recording system is designed to protect purchasers and mortgagees
against defects in title. Navigating that system is beyond the capacity of most laymen; …

It is axiomatic that the Administrative Procedure Act (APA) divides the universe of agency
action into rulemaking and adjudication and provides for each of these an informal and a …