Volume 52, Issue 3

The 2010 Dodd–Frank Wall Street Reform and Consumer Protection Act ushers in a new era of financial regulation and establishes a new watchdog agency, the Bureau of Consumer Financial Protection.…

Would you pay $1000 in fees to borrow $100 for a period of twenty weeks? Is it possible that such a loan is even legal? Welcome to the world of…

Financial innovations have resulted in an explosion in the number of so-called structured products being offered in the retail marketplace. To explain the complex structure of these hybrid debt securities,…

Fiscal federalism is a staple of economic theory that underlies the federal–state partnership in the nation's largest federal grant-in-aid programs, such as Medicaid and Title IV-E Foster Care. The theory…

This Article examines in detail the disappointing first year of the Obama Administration's foreclosure mitigation effort, the Home Affordable Modification Program (HAMP), including its premises, mechanics, slow start, and ultimately…

This lecture is about convergence and disparity with respect to climate change---disparity between what scientists believe and what the American people believe. As to convergence: a few years ago I…

In recent years, foreign plaintiffs have paired with individual do-gooders and international nonprofits to step up litigation in U.S. courts under the 1789 Alien Tort Statute (ATS). Burmese villagers and…

Renewable energy is undoubtedly one of today's "hot topics," often discussed hand-in-hand with climate change, environmental policy, and international affairs. Yet one aspect of renewable energy that frequently goes unnoticed…

This Note examines Arizona's ten-year experiment with authorized payday lending and sets it in the framework of the continuing national policy debate about this high-risk, high-cost consumer financial product. Arizona…