Harvard Business Law Review (HBLR)

The Harvard Business Law Review (HBLR) aims to be the premier journal covering the laws of business organization and capital markets. HBLR will publish articles from professors, practitioners, and policymakers on corporate law and governance, securities and capital markets law, financial regulation and financial institutions, law and finance, financial distress and bankruptcy, and related subjects.

CFPB

It Ain’t Broke: The Case For Continued SEC Regulation of P2P Lending

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Download PDF Benjamin Lo† Introductory Note In 2008, the Securities and Exchange Commission made waves by deciding to regulate the nascent peer-to-peer lending industry. Only two lending platforms survived the SEC’s entry into a previously lightly-regulated market. Under … [Read more...] about It Ain’t Broke: The Case For Continued SEC Regulation of P2P Lending

www.PayDayLoans.gov: A Solution for Restoring Price-Competition to Short-Term Credit Loans

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Download PDF Eric J. Chang† I.           Introduction Disclosure has been the primary mechanism for federal credit regulation[1] since the passage of the Truth in Lending Act (TILA) in 1968.[2] By mandating lenders to disclose key terms, TILA attempts to empower … [Read more...] about www.PayDayLoans.gov: A Solution for Restoring Price-Competition to Short-Term Credit Loans

Regulating Payday Loans: Why This Should Make the CFPB’S Short List

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Download PDF Nathalie Martin* In response to the nation’s biggest financial challenge since the depression,[1] Congress enacted the Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Act”),[2] which in turn created the Consumer Financial Protection Bureau (the … [Read more...] about Regulating Payday Loans: Why This Should Make the CFPB’S Short List