Credit markets serve a vital function in capitalist economies: evaluating the riskiness of a
range of possible investments and channeling resources toward those investments that …

US policy makers often assume that market competition is a panacea. This faith in
competition motivates proposals by the US Department of Treasury (the" Treasury") to …

Amid a financial crisis and credit crunch, retail investors have lent over $1.5 billion through
the Internet, on an unsecured basis, to complete strangers.'Technological and financial …

Currency is the fundamental economic technology that makes promises credible among
actors within and across societies. From shells, to metals, to paper, the technology of money …

Credit card debt is a ubiquitous feature of neoliberal capitalism. To explain the notable
growth of credit card usage in the US, I adopt a historical materialist approach that employs …

A more generous consumer bankruptcy system provides greater insurance against financial
risks but may also raise the cost of credit. We study this trade-off using the 2005 Bankruptcy …

Abstract The Consumer Fee Study's primary objective is to identify and monetize these costs
of bankruptcy access through the analysis of quantitative and qualitative data gathered from …

This Article empirically tests the economic assumption underlying the policy against
bankruptcy modification of home-mortgage debt-that protecting lenders from losses in …

The time before a person files bankruptcy is sometimes called the financial" sweatbox." 1
People in the financial sweatbox are on the brink of defaulting on their debts, which is when …

State fiscal crises seem to be a near perennial occurrence, but their incidence has become
particularly common since the 2008 global financial collapse. In fiscal year 2012, forty-two …