Unpublished Papers
THE ECONOMICS AND REGULATION OF NETWORK BRANDED PREPAID CARDS, ExpressO (2013)
General-purpose reloadable prepaid cards have been one of the fastest-growing sectors of the consumer payments...
Consumer Use and Government Regulation of Title Pledge Lending, ExpressO (2010)
Recent years have seen growth in the use of certain types of nontraditional lending products,...
Credit Cards and Bankruptcy, ExpressO (2008)
From 1980 to 2005 consumer bankruptcy filings increased five-fold. Conventional wisdom holds that a primary...
The Law and Economics of Subprime Lending, ExpressO (2008)
The collapse of the subprime mortgage market has led to calls for greater regulation to...
Posner, Hayek, and The Economic Analysis of Law, ExpressO (2007)
This Essay examines Richard Posner’s critique of F.A. Hayek’s legal theory and contrasts the two...