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25 Mar 2024, 2:07 pm by Julian Morris
Second, as Todd Zywicki, Ben Sperry, and I have noted, and as can be seen in the figure below from the most recent Consumer Financial Protection Bureau (CFPB) report on the consumer credit-card market, access to rewards credit cards is less a function of income and more a function of the cardholder’s credit score. [read post]
21 Mar 2024, 2:29 pm by Daniel J. Gilman
From time to time (for example, here and here), I’ve applauded the resurfacing of the FTC’s much lauded competition-advocacy program (see Alden Abbott’s post here; former Chairman Bill Kovacic’s “FTC at 100” report here; former Acting Chair and Commissioner Maureen Ohlhausen here; Todd Zywicki, James Cooper, and Paul Pautler here; and Andy Gavil here). [read post]
5 Mar 2024, 5:00 am by Daniel J. Gilman
I’ll focus on some rather straightforward points, but for deeper dives on specific issues to do with credit cards and competition (and regulation), see my International Center for Law & Economics (ICLE) colleague Julian Morris on the Credit Card Competition Act here; and Julian, Todd Zywicki, and Geoff Manne on payment-card interchange fees here. [read post]
27 Jul 2023, 9:49 am by Unknown
Professor Schwartz will introduce the book and thought leaders from across the country, including Todd Zywicki (George Mason University) and Allison Herren Lee (former SEC commissioner), will offer comments and discussion over the course of two panels moderated by Colorado Law faculty. [read post]
19 May 2023, 2:00 am by jonathanturley
The panel will include Ilya Shapiro (Manhattan Institute), Carlos Carvalho (the La Quinta Centennial Professor of Business at the University of Texas at Austin), and Todd Zywicki (George Mason University Foundation Professor of Law at George Mason University). [read post]
22 Mar 2023, 11:15 am by Alden Abbott
In an article exploring the nature and history of FTC advocacy efforts, FTC scholars James Cooper, Paul Pautler, & Todd Zywicki explained: Competition advocacy, broadly, is the use of FTC expertise in competition, economics, and consumer protection to persuade governmental actors at all levels of the political system and in all branches of government to design policies that further competition and consumer choice. [read post]
9 Mar 2023, 6:46 am by Barbara S. Mishkin
The CFPB has issued a proposal that would make significant changes to the current rules for credit card late fees, including substantially reducing the safe harbor late fee amounts that card issuers can charge and eliminating annual inflation adjustments. [read post]
28 Feb 2023, 6:24 am by Michael Heise
Professor Kaushik Basu (Department of Economics and SC Johnson Graduate School of Management, Cornell University) and Professor Todd Zywicki (Antonin Scalia School of Law, George Mason University) are the keynote speakers of the 2023 AsLEA Conference. [read post]
15 Jan 2023, 7:30 pm by Adam Levitin
(The latter two are familiar scholars whose work consistently takes a dour view of consumer finance regulations: readers might recall my debunking of another recent study by Professor Miller, co-authored with Todd Zywicki, that was fundamentally flawed because of the miscalculation of loan caps in various states.) [read post]
23 Oct 2022, 7:03 pm by Guest Author
The Federal Trade Commission appears on a collision course with the Supreme Court. [read post]
30 Mar 2022, 9:50 am by Alan S. Kaplinsky
The witnesses scheduled to appear are: Jeremie Greer, Co-Founder/Executive Director, Liberation in a Generation Elyse Hicks, Consumer Policy Counsel, Americans for Financial Reform Paul Kundert, President and CEO, UW Credit Union Santiago Sueiro, Senior Policy Analyst, UnidosUS Todd Zywicki, George Mason University Foundation Professor of Law, Antonin Scalia Law School, George Mason University   [read post]
10 Feb 2022, 11:28 am by Barbara S. Mishkin
Zywicki and Miller have co-authored a soon-to-be published study, “The Effects on Consumers from Two State-Level Regulations of the Payday Loan Market,” in which they analyzed 15.6 million storefront payday loans made to 1.8 million unique borrowers in 2013 to determine whether the number of loans a consumer takes in a year is a meaningful assessment of consumer welfare. [read post]
31 Jan 2022, 10:47 am by Will Baude
Zywicki, George Mason University Foundation Professor of Law, Antonin Scalia Law School, George Mason University Note: Further signatures will be continually added as they arrive. [read post]
28 Jan 2022, 7:38 pm by Adam Levitin
Earlier this month Professors Todd Zywicki and Thomas Miller, Jr. wrote an op-ed in the Wall Street Journal arguing against payday loan regulation, based on their new empirical paper. [read post]
6 Jan 2022, 6:22 am by Barbara S. Mishkin
  Professor Zywicki, who chaired the CFPB’s Taskforce on Federal Consumer Financial Law, also shares his reaction to the settlement of the lawsuit challenging the Taskforce’s creation and its impact on the Taskforce’s recommendations in its report. [read post]