Policy Documents

•  Critique of Evans and Wright's Study of the Consumer Financial Protection Agency Act, October 22, 2009

•  The Consumer Financial Protection Agency, Pew Financial Reform Project, Briefing Paper, No. 2, 2009.

•  Why the Government Cannot Modify Mortgages Even If It Purchases $700BN of Mortgage-Backed Securities, Sept. 24, 2008.

•  Debunking the Mortgage Bankers Association's Cramdown Claim, Sept. 24, 2008.

•  All But Accurate:  A Critique of the American Bankers Association's Study on Credit Card Regulation, August 20, 2008.

•  Comments on Proposed Additions to Federal Reserve Regulation AA (Linked file contains comments, co-signed with Professor Katherine Porter of the University of Iowa School of Law, submitted to the Federal Reserve regarding proposed changes to Regulation AA (Unfair and Deceptive Acts and Practices) for credit cards). 

•  The Effect of Bankruptcy Strip-Down on Mortgage Markets , Feb. 6, 2008 (with Joshua Goodman). 

•  “Antitrust Issues in Credit card Merchant Restraint Rules," Tobin Project Risk Policy Working Paper, May 6, 2007 (with Elizabeth Warren).