Michael S. Barr

University of Michigan Law School

Roy F. & Jean Humphrey Proffitt Professor of Law

625 South State Street

Ann Arbor, MI 48109-1215

United States

University of Michigan at Ann Arbor - Gerald R. Ford School of Public Policy

Dean

735 South State Street

4th Floor

Ann Arbor, MI 48109

United States

University of Michigan, Center on Finance, Law, and Policy

Faculty Director

735 S. State Street, Suite 5211

Ann Arbor, MI 48109

United States

SCHOLARLY PAPERS

27

DOWNLOADS
Rank 5,476

SSRN RANKINGS

Top 5,476

in Total Papers Downloads

13,893

SSRN CITATIONS
Rank 11,450

SSRN RANKINGS

Top 11,450

in Total Papers Citations

46

CROSSREF CITATIONS

87

Scholarly Papers (27)

1.

Microfinance and Financial Development

Number of pages: 26 Posted: 13 May 2005
Michael S. Barr
University of Michigan Law School
Downloads 2,414 (10,908)
Citation 1

Abstract:

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Banking, Financial Institutions, Regulation, Law & Economics, Development, Economics

2.

Globalization, Law and Development: Introduction and Overview

Number of pages: 12 Posted: 13 May 2005
Michael S. Barr and Reuven S. Avi-Yonah
University of Michigan Law School and University of Michigan Law School
Downloads 1,200 (31,992)

Abstract:

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Banking, Financial Institutions, Regulation, Law & Economics, Development, Economics

3.

Financial Regulation: Law and Policy, Chapter 1.1 - Finance Today

Financial Regulation: Law and Policy, Foundation Press, May 2016, U of Michigan Law & Econ Research Paper No. 16-014, U of Michigan Public Law Research Paper No. 507, Harvard Public Law Working Paper No. 16-34
Number of pages: 30 Posted: 15 May 2016 Last Revised: 23 Jun 2016
Michael S. Barr, Howell E. Jackson and Margaret E. Tahyar
University of Michigan Law School, Harvard Law School and Davis Polk & Wardwell LLP
Downloads 1,024 (40,160)

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financial regulation, finance, financial services, Dodd-Frank Act, banking, insurance, securities, capital markets, consumer protection, systemically important financial institutions, payment systems, mutual funds, derivatives, shadow banking

4.

The Financial Response to the COVID-19 Pandemic

U of Michigan Law & Econ Research Paper No. 20-040
Number of pages: 33 Posted: 06 Aug 2020 Last Revised: 09 Jun 2021
Michael S. Barr, Howell E. Jackson and Margaret E. Tahyar
University of Michigan Law School, Harvard Law School and Davis Polk & Wardwell LLP
Downloads 994 (41,842)
Citation 3

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Pandemic, COVID-19, coronavirus, financial regulation, monetary policy, financial crisis, CARES Act, Paycheck Protection Program, fiscal policy

5.

Banking the Poor

Number of pages: 117 Posted: 31 May 2005
Michael S. Barr
University of Michigan Law School
Downloads 847 (52,320)
Citation 6

Abstract:

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Unbanked, alternative financial services, remittances, electronic benefit transfer

6.

Credit Where it Counts: The Community Reinvestment Act and its Critics

Number of pages: 133 Posted: 11 May 2005
Michael S. Barr
University of Michigan Law School
Downloads 834 (53,387)
Citation 4

Abstract:

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Banking, Financial Institutions, Law & Economics, Institutions & Development

7.

Financial Services, Savings and Borrowing Among Low- and Moderate-Income Households: Evidence from the Detroit Area Household Financial Services Survey

3rd Annual Conference on Empirical Legal Studies Papers
Number of pages: 50 Posted: 16 Apr 2008
Michael S. Barr
University of Michigan Law School
Downloads 710 (66,206)
Citation 7

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8.

Building the Payment System of the Future: How Central Banks Can Improve Payments to Enhance Financial Inclusion

U of Michigan Law & Econ Research Paper No. 20-038
Number of pages: 30 Posted: 31 Jul 2020 Last Revised: 09 Jun 2021
University of Michigan Law School, University of Michigan at Ann Arbor - Gerald R. Ford School of Public Policy, Columbia University - Law School and University of Michigan, Center on Finance, Law, and Policy
Downloads 691 (68,547)
Citation 3

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payment systems, finTech, financial inclusion, cryptocurrencies, Central Bank Digital Currencies (CBDC), stablecoins, real-time payments, remittances, case studies, China, Kenya, Philippines, emerging markets, emerging technologies

9.

Banking the Poor: Policies to Bring Low-Income Americans into Financial Mainstream

Number of pages: 20 Posted: 11 May 2005
Michael S. Barr
University of Michigan Law School
Downloads 579 (85,640)

Abstract:

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Banking, Financial Institutions, Regulation, Law & Economics, Development, Economics

10.

Big Data in Finance: Highlights from the Big Data in Finance Conference Hosted at the University of Michigan October 27-28, 2016

U of Michigan Law & Econ Research Paper No. 18-010
Number of pages: 42 Posted: 07 Mar 2018 Last Revised: 26 Apr 2018
University of Michigan Law School, University of Michigan Center on Finance, Law, and Policy, R. H. Smith School of Business, U. of Maryland, University of Michigan and University of Michigan
Downloads 571 (87,199)
Citation 1

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Big data, financial stability, financial networks, consumer protection, financial inclusion

11.

Behavioral Finance Symposium Summary Paper

University of Michigan Center on Finance, Law, and Policy: Behavioral Finance Symposium. September 14-15, 2017. Ann Arbor, Michigan
Number of pages: 39 Posted: 17 May 2018 Last Revised: 19 Jun 2018
University of Michigan Law School, University of Michigan, Center on Finance, Law, and Policy, University of Michigan, Center on Finance, Law, and Policy, ideas42 and ideas42
Downloads 521 (97,721)

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Behavioral finance, Behavioral economics, Narrative economics, Public policy, Interdisciplinary research, Audience experiments, Psychological bias, Finance, Small business innovation, Fintech, Macroeconomics

12.

Should Central Banks Use Distributed Ledger Technology and Digital Currencies to Advance Financial Inclusion?

Number of pages: 24 Posted: 24 May 2021
Michael S. Barr, Adrienne Harris, Lev Menand and Karin Thrasher
University of Michigan Law School, University of Michigan at Ann Arbor - Gerald R. Ford School of Public Policy, Columbia University - Law School and Center on Finance, Law, and Policy
Downloads 513 (99,605)
Citation 1

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central bank digital currencies, CBDC, DLT, AML, interoperability, financial inclusion, permissionless ledgers, blockchain, fintech

13.

Institutions and Inclusion in Saving Policy

BUILDING ASSETS, BUILDING WEALTH; CREATING WEALTH IN LOW-INCOME COMMUNITIES, N. Retsinas and E. Belsky, eds., Brookings Press, 2005
Number of pages: 50 Posted: 13 May 2005
Michael S. Barr and Michael W. Sherraden
University of Michigan Law School and Washington University in St. Louis - George Warren Brown School of Social Work
Downloads 491 (105,159)
Citation 1

Abstract:

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Banking, Financial Institutions, Regulation, Law & Economics, Development Economics, Law, Institutions, & Development

14.

Behaviorally Informed Home Mortgage Regulation

Number of pages: 47 Posted: 16 Apr 2008
Michael S. Barr, Sendhil Mullainathan and Eldar Shafir
University of Michigan Law School, University of Chicago and Princeton University
Downloads 482 (107,431)
Citation 33

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Paying to Save: Tax Withholding and Asset Allocation among Low- and Moderate-Income Taxpayers

2nd Annual Conference on Empirical Legal Studies Paper, U of Michigan Public Law Working Paper No. 100, U of Michigan Law & Economics, Olin Working Paper No. 07-22
Number of pages: 45 Posted: 04 Jul 2007 Last Revised: 15 Jan 2008
Jane Dokko and Michael S. Barr
Federal Reserve Bank of Chicago and University of Michigan Law School
Downloads 197 (274,834)

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LMI tax filers, withholding preference, portfolio allocation

Paying to Save: Tax Withholding and Asset Allocation among Low- and Moderate-Income Taxpayers

FEDS Working Paper No. 2008-11
Number of pages: 45 Posted: 15 Jan 2009
Michael S. Barr and Jane Dokko
University of Michigan Law School and Federal Reserve Bank of Chicago
Downloads 118 (422,185)
Citation 2

Abstract:

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Tax withholding, present-biased preferences, saving

16.

Modes of Credit Market Regulation

BUILDING ASSETS, BUILDING WEALTH; CREATING WEALTH IN LOW-INCOME COMMUNITIES, N. Retsinas and E. Belsky, eds., Brookings Press, 2005
Number of pages: 51 Posted: 13 May 2005
Michael S. Barr
University of Michigan Law School
Downloads 294 (186,734)

Abstract:

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Banking, Financial Institutions, Regulation, Law & Economics, Development, Economics

17.
Downloads 273 (202,228)
Citation 1

Central Bank of the Future

U of Michigan Law & Econ Research Paper No. 19-017
Number of pages: 20 Posted: 24 Jul 2019 Last Revised: 25 May 2021
Adrienne Harris and Michael S. Barr
University of Michigan at Ann Arbor - Gerald R. Ford School of Public Policy and University of Michigan Law School
Downloads 164 (323,807)

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Central Bank of the Future

University of Michigan Center on Finance, Law & Policy Working Paper (no. 2), November 2019
Number of pages: 8 Posted: 11 Nov 2019
Adrienne Harris and Michael S. Barr
University of Michigan at Ann Arbor - Gerald R. Ford School of Public Policy and University of Michigan Law School
Downloads 109 (451,227)
Citation 2

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18.

Preferences for Banking and Payment Services Among Low- and Moderate-Income Households

FEDS Working Paper No. 2011-13, U of Michigan Law & Econ, Empirical Legal Studies Center Paper No. 11-007, U of Michigan Public Law Working Paper No. 238
Number of pages: 42 Posted: 17 Apr 2011 Last Revised: 03 Jun 2011
Michael S. Barr, Jane Dokko and Elea McDonnell Feit
University of Michigan Law School, Federal Reserve Bank of Chicago and Drexel University - Department of Marketing
Downloads 203 (268,128)

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poverty, banking regulation, consumer protection, choice modeling, conjoint

19.

Consumer Autonomy and Pathways to Portability in Banking and Financial Services

University of Michigan Center on Finance, Law & Policy Working Paper, U of Michigan Law & Econ Research Paper No. 19-022
Number of pages: 27 Posted: 11 Nov 2019 Last Revised: 09 Jun 2021
Michael S. Barr, Abigail DeHart and Andrew Kang
University of Michigan Law School, University of Michigan Law School and University of Michigan Law School
Downloads 190 (284,667)

Abstract:

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20.

Nothing Left to Lose? Changes Experienced by Detroit Low- and Moderate-Income Households During the Great Recession

Washington Center for Equitable Growth Working Paper, U of Michigan Law & Econ Research Paper No. 16-019, U of Michigan Public Law Research Paper No. 518
Number of pages: 55 Posted: 11 Sep 2016
Michael S. Barr and Daniel Schaffa
University of Michigan Law School and University of Richmond School of Law
Downloads 145 (358,802)

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21.

Mandatory Arbitration in Consumer Finance and Investor Contracts

New York University Journal of Law and Business, Vol. 11, No. 4, 2015
Number of pages: 25 Posted: 14 Oct 2015
Michael S. Barr
University of Michigan Law School
Downloads 136 (377,153)

Abstract:

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arbitration clause, consumer finance, investor contracts, labor agreement

22.

Credit Where it Counts: Maintaining a Strong Community Reinvestment Act

The Brookings Institution, Research Brief, May 2005, Michigan Law and Economics Research Paper
Number of pages: 8 Posted: 11 May 2005
Michael S. Barr
University of Michigan Law School
Downloads 127 (397,845)

Abstract:

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Banking & Financial Institutions, Regulation, Law & Economics, Institutions & Development, Development Economics

23.

International Law-Making by Hybrid Bodies: The Case of Financial Regulation

Forthcoming as Chapter 14 in Handbook on the Theory and Practice of International Lawmaking, C. Brolmann and Y Radi (eds), Edward Elgar Publishing., U of Michigan Law & Econ Research Paper No. 15-010
Number of pages: 37 Posted: 18 Jul 2015
Michael S. Barr
University of Michigan Law School
Downloads 115 (428,374)

Abstract:

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24.

Central Bank of the Future Summary and Recommendations for Further Inquiry

Number of pages: 37 Posted: 02 Aug 2021
University of Michigan Law School, University of Michigan at Ann Arbor - Gerald R. Ford School of Public Policy, University of Michigan, Center on Finance, Law, and Policy, University of Michigan, Center on Finance, Law, and Policy and University of Michigan at Ann Arbor - Gerald R. Ford School of Public Policy
Downloads 108 (448,737)

Abstract:

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financial inclusion, fintech, COVID-19, distributed ledger technology (DLT), digital currencies, Anti-Money Laundering (AML)

25.

Too LIBOR, Too Late: Time to Move to a Market Rate

Number of pages: 5 Posted: 21 Jul 2015
Michael S. Barr
University of Michigan Law School
Downloads 77 (557,807)

Abstract:

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26.

Detroit Area Study on Financial Services: What? Why? How?

Number of pages: 13 Posted: 21 Jul 2015
Michael S. Barr
University of Michigan Law School
Downloads 39 (765,534)

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Global Administrative Law: The View from Basel

European Journal of International Law, Vol. 17, No. 1, pp. 15-46, 2006, NYU, Law and Economics Research Paper No. 06-25
Posted: 23 Jun 2006
Michael S. Barr and Geoffrey P. Miller
University of Michigan Law School and New York University School of Law

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global administrative law, banking, Basel Committee, capital standards

Global Administrative Law: The View from Basel

European Journal of International Law, Vol. 17, No. 1, pp. 15-46, 2006
Posted: 29 Feb 2008
Michael S. Barr and Geoffrey P. Miller
University of Michigan Law School and New York University School of Law

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