UCC08-8: For centuries, legislated caps on loan interest rates (rate ceilings) have been advocated as a form of consumer protection in otherwise free market economies.…
William Apgar, Amal Bendimerad, Ren Essene
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April 25, 2007
For decades “fair lending” issues have received attention in both public policy arenas and the popular press, but the release of 2004 Home Mortgage Disclosure Act (HMDA) data…
BABC 04-14: The 1971 federal Fair Credit Reporting Act (FCRA) was intended to promote greater accuracy in credit reporting in the United States. Inaccurate credit…
Richard Wiener, Karen Gross, Susan Block-Lieb, Corinne Baron-Donovan
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February 2, 2004
BABC 04-2: This paper used a psycho legal methodology, which combined empirical research with legal scholarship to study debtors in bankruptcy comparing them to a sample…