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 …

On February 4, 2010, Shaun Donovan, the Secretary of the US Department of Housing and
Urban Development (HUD), announced HUD's creation of the Office of Sustainable Housing …

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 …

Industry and political actors oppose the Bureau of Consumer Financial Protection (the
Bureau or CFPB) on the grounds that its institutional design ensures its lack of …

A full decade has passed since the Global Financial Crisis (GFC) triggered a flood of
foreclosures, crushed real estate and stock market valuations, and destroyed a number of …

Значение денежно-финансового хозяйства определяется, прежде всего, тем, что в нем
формируется экономический профицит, необходимый для построения будущего. В …

G ive the consumers the information they need to make rational choices in the credit
marketplace, and then sit back and let the free market do its magic. This has long been the …

This new formalism in the aftermath of the housing crisis represents something of an ironic
turn in the jurisprudence. From the earliest history of the mortgage, lenders have had a …

Securitisation is an important financing technique. Following the financial crisis, reform
activities in relation to pitfalls of securitisation have been underway. In particular, following …

For decades, homeowners have populated the bankruptcy system in significant
numbers.'Today's prevalent narrative features a delinquent mortgage, and a race against …