Understanding Consumer Credit:
A National Symposium on Expanding Access, Informing Choices, and Protecting Consumers

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Overview

UCC08-1: Consumer and Mortgage Credit at a Crossroads: Preserving Expanded Access while Informing Choices and Protecting Consumers
Eric S. Belsky and Ren S. Essene (Joint Center for Housing Studies of Harvard University)

Panel 1: Consumer Credit Decisions

UCC08-2: Financial Decision Making Processes of Low-Income Individuals
Edna R. Sawady (Market Innovations, Inc.) and Jennifer Tescher (Center for Financial Services Innovation)

UCC08-3: Where Does it Go? Spending by the Financially Constrained
Shawn Cole (Harvard Business School), John Thompson (H&R Block), and Peter Tufano (Harvard Business School)

UCC08-4: Fair Lending Testing: Best Practices, Trends and Training
Paul C. Lubin (Informa Research Services)

Panel 2: The Effects of Capital Markets, Public Information, and Regulatory Structure on the Supply of Credit

UCC08-5: The Legal Infrastructure of Subprime and Nontraditional Home Mortgages
Patricia A. McCoy (University of Connecticut) and Elizabeth Renuart (National Consumer Law Center)

UCC08-6: Imperfect Information and the Housing Finance Crisis
Edward Golding (Freddie Mac), Richard K. Green (The George Washington University), and Douglas A. McManus (Freddie Mac)

UCC08-7: Enlisting Market Mechanisms to Police the Origination of Home Mortgages
Howell E. Jackson (Harvard Law School)
Appendix A
Appendix B

Panel 3: Consumer Disclosures and Product Regulation

UCC08-8: The Impact of Credit Price and Term Regulations on Credit Supply
Mike Staten (The George Washington University)

UCC08-9: The Impact of State Anti-Predatory Lending Laws: Policy Implications and Insights
Raphael W. Bostic (University of Southern California), Kathleen C. Engel (Cleveland State University), Patricia A.McCoy (University of Connecticut), Anthony Pennington-Cross (Marquette University), and Susan M. Wachter (University of Pennsylvania)

UCC08-10: Should Consumer Disclosures Be Updated?
Thomas A. Durkin (Federal Reserve Board)

Panel 4: Helping Consumers Make Better Credit Choices

UCC08-11: Financial Literacy:  An Essential Tool for Informed Consumer Choice?
Annamaria Lusardi (Dartmouth)

UCC08-12: Behaviorally Informed Home Mortgage Credit Regulation
Michael Barr (University of Michigan), Sendhil Mullainathan (Harvard University), and Eldar Shafir (Princeton University)

UCC08-18: Helping Consumers Make Better Mortgage Choices (forthcoming)
Bill Apgar and Ren S. Essene (Joint Center for Housing Studies of Harvard University)

Panel 5: Managing Risks for the Benefit of Consumers

UCC08-13: Using Financial Innovation to Support Savers: From Coercion to Excitement
Peter Tufano (Harvard Business School) and Daniel Schneider (Princeton University)

UCC08-14: Identifying, Managing and Mitigating Risks to Borrowers in Changing Mortgage and Consumer Credit Markets
Eric S. Belsky (Joint Center for Housing Studies of Harvard University), Karl E. Case (Wellesley College) and Susan J. Smith (Durham University)

UCC08-15: Interventions in Mortgage Default: Policies and Practices to Prevent Home Loss and Lower Costs Amy Crews Cutts and William A. Merrill (Freddie Mac)

Panel 6: Protecting and Empowering Credit Consumers in the OECD Nations

UCC08-16: Looking Beyond Our Shores: Consumer Protection Regulation Lessons from the UK
Elaine Kempson (University of Bristol)

UCC08-17: Consumer Protection in French and British Credit Markets
Gunnar Trumbull (Harvard Business School)