Professor of Law
J.D., New York University School of Law
B.S., Massachusetts Institute of Technology
Courses Taught & Research Interests
Bankruptcy, Comparative Law, Consumer Law, Contracts, Sales and Payment Systems
The Impact of State Anti-Predatory Lending Laws on the Foreclosure Crisis, 21 Cornell J.L. & Pub. Pol’y (forthcoming 2011) (with Lei Ding, Carolina Reid and Roberto Quercia)
The Impact of Federal Pre-emption of State Anti-Predatory Lending Laws on the Foreclosure Crisis, Journal of Policy and Management (forthcoming 2011) (with Lei Ding, Carolina Reid and Roberto Quercia)
State Anti-Predatory Lending Laws and Neighborhood Foreclosure Rates, 33 Journal of Urban Affairs(forthcoming 2011) (with Lei Ding, Carolina Reid and Roberto Quercia)
Deleveraging the American Homeowner: The Failure of 2008 Voluntary Mortgage Contract Modifications, 41Conn. L. Rev. 1107 (2009). (ssrn)
Borrowing while Black: Applying Fair Lending Laws to Risk-Based Mortgage Pricing, 60 S.C. L. Rev. 677 (2009). (ssrn)
Rewriting Contracts, Wholesale: Data on Voluntary Mortgage Modifications from 2007 and 2008 Remittance Reports, 36 Fordham Urb. L.J. 509 (2009). (ssrn)
Behavior and Contract, 27 Minn. J.L. Inequality 135 (Winter 2009). (ssrn)
The Case for Banning Subprime Mortgages, 77 U. Cin. L. Rev. 617 (2008). (ssrn)
Risk-Based Pricing: Present and Future Research, 15 Housing Pol’y Debate 503 (2004). (vt.edu)
Surendettement Proceedings in French Law and Consumer Bankruptcy in the United States: The Social-Democratic and Free Market Approaches to Excessive Debt in Advanced Capitalist Consumer Economies, in Risk and Choice in Consumer Society, (Ramsay et. al., ed. Sakkoulas Publishing 2007).
Literacy and Contract, 13 Stan. L. & Pol’y Rev. 233 (2002) (with Cathy Lesser Mansfield). (ssrn)
New Relief for Trade School Victims: Discharging Student Loans Based on False Certification of Ability to Benefit, 29 Clearinghouse Rev. 1128 (April, 1996).
Gentrification, Tipping and the National Housing Policy, 11 N.Y.U. Rev. L. & Soc. Change 255 (1982-83).
Contributing author, Carter, ed., Pennsylvania Consumer Law (Bisel 2006).
Contributing author, National Consumer Law Center, Student Loan Law (2001), Truth in Lending (4th ed. 1999);Consumer Bankruptcy Law and Practice (6th ed. 2001).
Distinctions & Awards
National Association of Consumer Advocates Consumer Attorney of the Year (2004)
William Miller award for Scholarship in Municipal Law
Editor in Chief, N.Y.U. Review of Law and Social Change
- Past member of Federal Reserve Board of Governors Consumer Advisory Council
- Member, American Law Institute
- Consumer Fellow, American Bar Association Business Law Section, UCC Committee
- Member, Pennsylvania Joint State Government Commission Advisory Committee on Real Property Law
- Member, Pennsylvania Banking Department Advisory Committee on Mortgage Foreclosures
- Former co-chair and member of the Education Committee of the Eastern District of Pennsylvania Bankruptcy Conference
- Member, Advisory Council to Philadelphia Tax Reform Commission (2004)
- Consumer representative in U.S. Education Department negotiated rulemaking proceedings under Higher Education Act in 1994, 2000 and 2002.
- Testified before Federal Reserve Board (2000 hearings on the Home Ownership and Equity Protection Act)
- Testified before the Predatory Lending Task Force of the Departments of Housing and Urban Development and Treasury (2000)
- Testified before the Bankruptcy Reform Commission.
“U.S. Mortgage Crisis History,” Defending Foreclosures, Saving Homes Conference (2008)
To order a copy of the Conference DVD and materials, please visit the Defending Foreclosures, Saving Homes Conference website.
Previous Professional Experience
Supervising Attorney, Community Legal Services, Inc., Philadelphia PA (1983-2007)
Adjunct Professor, Temple University School of Law (2003-2007)
Adjunct Professor, Drake Law School (2001-2002)
Fellow and Consultant, National Consumer Law Center, Boston MA (2000-2003)