Todd J. Zywicki

George Mason University - Antonin Scalia Law School, Faculty

Professor of Law

3301 Fairfax Drive

Arlington, VA 22201

United States

PERC - Property and Environment Research Center

2048 Analysis Drive

Suite A

Bozeman, MT 59718

United States

SCHOLARLY PAPERS

79

DOWNLOADS
Rank 460

SSRN RANKINGS

Top 460

in Total Papers Downloads

34,145

CITATIONS
Rank 5,691

SSRN RANKINGS

Top 5,691

in Total Papers Citations

90

Scholarly Papers (79)

1.

The Economics of Credit Cards

George Mason Law & Economics Working Paper No. 00-22
Number of pages: 127 Posted: 25 May 2000
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 2,720 (3,033)
Citation 6

Abstract:

2.

The Law & Economics of Subprime Lending

George Mason Law & Economics Research Paper No. 08-17, University of Colorado Law Review, Vol. 80, No. 1, Winter 2009, pp. 1-86
Number of pages: 87 Posted: 16 Mar 2008 Last Revised: 05 Dec 2008
Todd J. Zywicki and Joseph Adamson
George Mason University - Antonin Scalia Law School, Faculty and George Mason University - Mercatus Center
Downloads 2,502 (3,628)
Citation 8

Abstract:

bankruptcy, consumer credit, distress model, foreclosure, homeownership, lending practices, mortgages, option model, regulation, subprime

3.

Posner, Hayek & the Economic Analysis of Law

Iowa Law Review, Vol. 93, No. 2, pp. 559-603, February 2008, George Mason Law & Economics Research Paper No. 07-05
Number of pages: 46 Posted: 15 Jan 2007 Last Revised: 01 Apr 2008
Todd J. Zywicki and Anthony B. Sanders
George Mason University - Antonin Scalia Law School, Faculty and Institute for Justice
Downloads 1,584 (7,117)
Citation 4

Abstract:

Hayek, Posner, law and economics, common law, spontaneous order, rule of law, judicial knowledge, stare decisis, precedent, positivism, group selection

4.

An Economic Analysis of the Consumer Bankruptcy Crisis

Northwestern University Law Review, Vol. 99, No. 4, pp. 1463-1541, Summer 2005, George Mason Law & Economics Research Paper No. 04-35
Number of pages: 81 Posted: 07 Sep 2004
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 1,411 (8,776)
Citation 7

Abstract:

Bankruptcy, consumer credit, New Institutional Economics

5.

The Rise and Fall of Efficiency in the Common Law: A Supply-Side Analysis

Northwestern University Law Review
Number of pages: 83 Posted: 10 Dec 2003
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 1,245 (10,043)
Citation 18

Abstract:

law & economics, efficiency of common law, economic history, new institutional economics

6.

The Past, Present, and Future of Bankruptcy Law in America

Michigan Law Review, Forthcoming
Number of pages: 18 Posted: 12 Nov 2003
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 1,201 (12,095)
Citation 1

Abstract:

bankruptcy, consumer bankruptcy, bankruptcy reorganization, rent-seeking, political economy

7.

Hayekian Anarchism

George Mason Law & Economics Research Paper No. 11-06
Number of pages: 32 Posted: 24 Jan 2011
Edward Peter Stringham and Todd J. Zywicki
Trinity College and George Mason University - Antonin Scalia Law School, Faculty
Downloads 1,075 (12,851)
Citation 1

Abstract:

anarcho-liberalism, Buchanan, Bush, complexity, Constitution of Liberty, Glaeser, Hasnas, Hirshleifer, Hume, institutionalism, La Porta, Leeson, Leoni, Lopez-de-Silanes, Mayer, pluralism, Posner, Rechsstaat, Road to Serfdom, Rosser, Rowley, Sanders, Savigny, Shleifer, Stephenson, Tullock, Vishney

8.

Evolutionary Psychology and the Social Sciences

Humane Studies Review
Number of pages: 30 Posted: 12 Oct 2000
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 785 (23,626)
Citation 1

Abstract:

9.

Obesity and Advertising Policy

George Mason Law Review, Vol. 12, No. 4, pp. 979-1011, Summer 2004, George Mason Law & Economics Research Paper No. 04-45
Number of pages: 34 Posted: 15 Oct 2004
Todd J. Zywicki, Debra Holt and Maureen K. Ohlhausen
George Mason University - Antonin Scalia Law School, Faculty, Federal Trade Commission -- Bureau of Economics and Federal Trade Commission
Downloads 742 (25,755)
Citation 2

Abstract:

Obesity, Health Claims, Economics of Advertising

10.

Common Law and Economic Efficiency

ENCYCLOPEDIA OF LAW AND ECONOMICS, Francesco Parisi, Richard Posner, eds., 2010, George Mason Law & Economics Research Paper No. 10-43
Number of pages: 48 Posted: 09 Sep 2010
Todd J. Zywicki and Edward Peter Stringham
George Mason University - Antonin Scalia Law School, Faculty and Trinity College
Downloads 677 (25,843)
Citation 2

Abstract:

Aranson, Bailey, Buchanan, Claeys, Cooter, Cordato, demand side analysis, Hayek, Hicks, inefficiency, Kaldor, Kornhauser, Krier, legislation, Leoni, liability, O’Driscoll, Parisi, Priest, Pritchard, regulation, Rubin, spending, Stearns, tax, Terrebonne, Tullock, Wangenheim, wealth redistribution

11.

The Consumer Financial Protection Bureau: Savior or Menace?

George Washington Law Review, Vol. 81, No. 3, pp. 856-928, April 2013, George Mason Law & Economics Research Paper No. 12-50
Number of pages: 74 Posted: 17 Aug 2012 Last Revised: 01 May 2013
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 606 (29,128)

Abstract:

agency, Barack Obama, Barney Frank, Christopher Dodd, confirmed, crisis, Elizabeth Warren, FTC, Federal Trade Commission, foreclosures, fraud, market downturn, New Deal, payday lenders, recess appointment, Richard Cordray, statutory requirement, super-agency, TILA, Truth in Lending Act

Was Hayek Right About Group Selection after All? Review Essay of Unto Others: The Evolution and Psychology of Unselfish Behavior

Number of pages: 29 Posted: 29 Oct 1999
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 315 (78,751)
Citation 3

Abstract:

Was Hayek Right About Group Selection after All? Review Essay of Unto Others: The Evolution and Psychology of Unselfish Behavior

Review of Austrian Economics
Number of pages: 29 Posted: 29 Oct 1999
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 256 (99,140)
Citation 3

Abstract:

13.

The Rule of Law, Freedom, and Prosperity

George Mason Law & Economics Research Paper No. 02-20
Number of pages: 19 Posted: 22 Aug 2002
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 546 (36,925)
Citation 5

Abstract:

14.

Why So Many Bankruptcies and What to Do About It: An Economic Analysis of Consumer Bankruptcy Law and Bankruptcy Reform

George Mason Law & Economics Research Paper No. 03-46
Number of pages: 114 Posted: 10 Oct 2003
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 529 (40,217)
Citation 1

Abstract:

Bankruptcy, consumer credit, New Institutional Economic

15.

Libertarianism, Law and Economics, and the Common Law

Chapman Law Review, Vol. 16, No. 2, pp. 309-324, 2013, George Mason Law & Economics Research Paper No. 12-78
Number of pages: 17 Posted: 13 Nov 2012 Last Revised: 03 Sep 2014
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 514 (39,761)
Citation 1

Abstract:

British, Carleton Kemp Allen, benevolent spontaneous order, Charles Darwin, commercial, contracts, efficiency, egalitarianism, English, free, Frederick Carl von Savigny, Friedrich Hayek, group selection, Henry Maine, Murray Rothbard, natural rights, property, society, Ronald Coase, transaction costs

16.

Public Choice and Tort Reform

George Mason Law & Economics Research Paper No. 00-36
Number of pages: 42 Posted: 08 Nov 2000
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 505 (43,380)
Citation 2

Abstract:

17.

Price Controls on Payment Card Interchange Fees: The U.S. Experience

George Mason Law & Economics Research Paper No. 14-18
Number of pages: 33 Posted: 06 Jun 2014 Last Revised: 15 Oct 2014
Todd J. Zywicki, Geoffrey A. Manne and Julian Morris
George Mason University - Antonin Scalia Law School, Faculty, International Center for Law & Economics (ICLE) and Reason Foundation
Downloads 502 (21,679)

Abstract:

Durbin Amendment, credit cards, debit cards, prepaid cards, free checking, unbanked

18.

Evolutionary Psychology

George Mason Law & Economics Research Paper No. 07-10, Encyclopedia of Law and Society: American and Global Perspectives, Forthcoming
Number of pages: 15 Posted: 01 Feb 2007
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 494 (44,470)
Citation 1

Abstract:

evolution, cooperation, evolution of cooperation, evolutionary psychology, group selection

19.

Wine Wars: The 21st Amendment and Discriminatory Bans to Direct Shipment of Wine

George Mason Law & Economics Research Paper No. 04-46
Number of pages: 34 Posted: 14 Oct 2004
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 487 (45,804)

Abstract:

Commerce Clause, Twenty-First Amendment

20.

Talk Is Cheap: The Existence Value Fallacy

Number of pages: 69 Posted: 06 Apr 1999
Donald J. Boudreaux, Todd J. Zywicki and Roger E. Meiners
George Mason University - Department of Economics, George Mason University - Antonin Scalia Law School, Faculty and University of Texas at Arlington
Downloads 444 (48,867)
Citation 3

Abstract:

21.

Institutions, Incentives, and Consumer Bankruptcy Reform

Washington and Lee Law Review, Vol. 62, No. 3, pp. 1071-1138, Summer 2005, George Mason Law & Economics Research Paper No. 05-07
Number of pages: 67 Posted: 08 Mar 2005
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 435 (51,897)
Citation 3

Abstract:

consumer bankruptcy, consumer finance, New Institutional Economics

22.

Three Problematic Truths About the Consumer Financial Protection Agency Act of 2009

Lombard Street, Vol. 1, No. 12, September 14, 2009, George Mason Law & Economics Research Paper No. 09-48
Number of pages: 27 Posted: 18 Sep 2009
Joshua D. Wright and Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty and George Mason University - Antonin Scalia Law School, Faculty
Downloads 433 (51,014)
Citation 1

Abstract:

Barack Obama, behavioral economics, credit cards, Elizabeth Warren, Federal Trade Commission, Financial Regulatory Reform, Michael Barr, new paternalism, Oren Bar-Gill, plain vanilla, regulation, White Paper

23.

Consumer Bankruptcy

George Mason Law & Economics Research Paper No. 07-09, Encyclopedia of Law and Society: American and Global Perspectives, Forthcoming
Number of pages: 12 Posted: 01 Feb 2007
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 429 (52,762)

Abstract:

Consumer bankruptcy, comparative consumer bankruptcy law

24.

Uncertainty, Evolution, and Behavioral Economic Theory

Journal of Law, Economics and Policy, Forthcoming, George Mason Law & Economics Research Paper No. 14-04
Number of pages: 27 Posted: 09 Mar 2014 Last Revised: 24 Mar 2014
Geoffrey A. Manne and Todd J. Zywicki
International Center for Law & Economics (ICLE) and George Mason University - Antonin Scalia Law School, Faculty
Downloads 422 (38,639)

Abstract:

antitrust, Alchian, bank lending, behavioral economics, bias, consumer protection, efficiency, endowment effect, experimental economics, fee shrouding, government intervention, irrationality, law and economics, over-optimism, Rasmussen, rational actors, regulators, self-interest, uncertainty

25.

Theory and Practice of Competition Advocacy at the FTC

Antitrust Law Journal, Vol. 72, No. 3, pp. 1091-1112, 2005, George Mason Law & Economics Research Paper No. 04-48
Number of pages: 23 Posted: 26 Oct 2004
Todd J. Zywicki, James C. Cooper and Paul A. Pautler
George Mason University - Antonin Scalia Law School, Faculty, George Mason University - Antonin Scalia Law School, Faculty and U.S. Federal Trade Commission - Bureau of Economics
Downloads 421 (51,897)
Citation 2

Abstract:

Public Choice, Rent-Seeking, Antitrust Law & Policy

26.

Rivalry and Superior Dispatch: An Analysis of Competing Courts in Medieval and Early Modern England

George Mason Law & Economics Research Paper No. 10-57
Number of pages: 36 Posted: 07 Nov 2010 Last Revised: 14 Nov 2010
Edward Peter Stringham and Todd J. Zywicki
Trinity College and George Mason University - Antonin Scalia Law School, Faculty
Downloads 405 (45,337)
Citation 3

Abstract:

bureaucracy, Charles Rowley, de jure limitations, de facto, defendant, efficiency of common law, exchequer, Hayek, Hobbes, James Buchanan, King’s Bench, legal history, liberty, Locke, monopolization of law, Norman invasion, plaintiff, pleas, Priest, Richard Posner, Rubin, venue, Wealth of Nations

27.

Gordon Tullock's Critique of the Common Law

George Mason Law & Economics Research Paper No. 07-13
Number of pages: 57 Posted: 23 Feb 2007
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 378 (59,169)
Citation 3

Abstract:

Tullock, Posner, law and economics, economics of judicial procedures, adversary system, inquisitorial system, civil law, common law, rent-seeking

28.

Baptists? The Political Economy of Political Environmental Interest Groups

George Mason Law & Economics Research Paper No. 02-23
Number of pages: 29 Posted: 07 Oct 2002
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 359 (66,121)
Citation 3

Abstract:

Environmental Economics, Public Choice, Economics of Non-Profit Organizations

29.

The Economics of Payment Card Interchange Fees and the Limits of Regulation

ICLE Financial Regulatory Program White Paper Series, June 2010, George Mason Law & Economics Research Paper No. 10-26
Number of pages: 64 Posted: 14 Jun 2010
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 354 (57,779)
Citation 2

Abstract:

ACH, ATM, American Express, Cash, Checks, Diners Club, Electronic Payments, Federal Reserve Board, GAO, Government Accountability Office, Mastercard, Paperless, Paypal, Revolutioncard, Thomas Durkin, Visa

30.

Is Forum-Shopping Corrupting America's Bankruptcy Courts? Review of Lynn M. LoPucki, 'Courting Failure: How Competition for Big Cases is Corrupting the Bankruptcy Courts'

George Mason Law & Economics Research Paper No. 05-16, Georgetown Law Journal, Vol. 94, No. 4, pp. 1141-1195, April 2006
Number of pages: 56 Posted: 11 Aug 2005
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 342 (65,891)

Abstract:

Bankruptcy, Corporate Reorganization, Chapter 11, Forum-Shopping

31.

The Economics and Regulation of Network Branded Prepaid Cards

Florida Law Review, Vol. 65, No. 5, pp. 1477-1520, 2013, George Mason Law & Economics Research Paper No. 13-06
Number of pages: 45 Posted: 23 Jan 2013 Last Revised: 23 Jan 2014
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 325 (70,328)

Abstract:

ACE Cash Express, AccountNow, Aide Group, BB&T, CFPB, closed loop, Consumer Financial protection Bureau, credit card, debit, Discover, Dodd-Frank, Durbin, FDIC, J.P. Morgan Chase, Kroger, mainstream, maintenance fee, MasterCard, open, RushCard, unbanked, U.S. Bancorp, Visa, Walmart

32.

Anna Nicole Smith Goes Shopping: The New Forum Shopping Problem in Bankruptcy

George Mason Law & Economics Research Paper No. 09-29, Stanford Law and Economics Olin Working Paper No. 376, Stanford Public Law Working Paper No. 1417621, Amsterdam Center for Law & Economics Working Paper No. 2009-11
Number of pages: 33 Posted: 11 Jun 2009 Last Revised: 30 Mar 2011
G. Marcus Cole and Todd J. Zywicki
Stanford Law School and George Mason University - Antonin Scalia Law School, Faculty
Downloads 316 (78,965)

Abstract:

“absolute priority” rule, core, creditors, David Skeel, debtors, Granfinanciera v. Nordberg, non-core, Northern Pipeline v. Marathon Pipeline, Thomas Jackson

33.

Bankruptcy Law as Social Legislation

George Mason Law & Economics Research Paper No. 01-18
Number of pages: 44 Posted: 16 Jul 2001
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 302 (81,009)

Abstract:

34.

Book Review: The Making of Corporate Bankruptcy Law in England and the United States

George Mason Law & Economics Research Paper No. 00-25
Number of pages: 45 Posted: 07 Jul 2000
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 298 (81,286)

Abstract:

35.

The Economics and Regulation of Bank Overdraft Protection

Washington and Lee Law Review, Vol. 69, No. 2, 2012, pp. 1141-1200, George Mason Law & Economics Research Paper No. 11-43
Number of pages: 59 Posted: 20 Oct 2011 Last Revised: 08 Oct 2014
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 290 (66,728)

Abstract:

ATM, American Bankers Association, Brian Melzer, CFPB, Consumer Financial Protection Bureau, Dodd-Frank Financial Regulatory Reform Legislation, Donald Morgan, FDIC, Federal Deposit Insurance Corporation, Moebs Services, OCC, Office of the Comptroller of the Currency, Raddon Financial Group, Reserve

36.

Reconciling Group Selection and Methodological Individualism

George Mason Law & Economics Research Paper No. 04-12
Number of pages: 19 Posted: 13 Apr 2004
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 290 (82,160)

Abstract:

F.A. Hayek, Evolutionary Economics, Methodological Individualism, Austrian Economics, Law and Economics

37.

Institutional Review Boards as Academic Bureaucracies: An Economic and Experiential Analysis

Northwestern University Law Review, Forthcoming, George Mason Law & Economics Research Paper No. 07-20
Number of pages: 38 Posted: 02 May 2007
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 289 (83,453)
Citation 2

Abstract:

Institutional Review Boards, Institutional Oversight of Research, Economics of Academia, Bureaucracy, Nonprofit Governance

38.

Behavior, Paternalism, and Policy: Evaluating Consumer Financial Protection

George Mason Law & Economics Research Paper No. 14-05, Mercatus Center Working Paper No. 14-06
Number of pages: 46 Posted: 12 Mar 2014
Adam Christopher Smith and Todd J. Zywicki
Johnson & Wales University and George Mason University - Antonin Scalia Law School, Faculty
Downloads 280 (66,728)

Abstract:

behavioral economics, law and economics, nudge, Consumer Financial Protection Bureau, public choice, regulation

39.

The Behavioral Law and Economics of Fixed-Rate Mortgages (and Other Just-So Stories)

Supreme Court Economic Review, Vol. 21, p. 157, 2014, George Mason Law & Economics Research Paper No. 14-50
Number of pages: 71 Posted: 15 Oct 2014
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 261 (82,160)

Abstract:

behavioral law and economics, consumer behavior, empirical evidence, fixed-rate mortgage, housing finance, overpayment, policymaking, prepayment penalty, rational choice model, testable hypotheses, unintended consequences

40.

Keynote Address: Is There a George Mason School of Law and Economics?

George Mason Law & Economics Research Paper No. 14-36
Number of pages: 18 Posted: 27 Aug 2014
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 260 (85,385)

Abstract:

George Mason University School of Law, GMU, GMUSL, Law and Economics Center, LEC, Journal of Law, Economics & Policy, JLEP, law school, methodology, public choice, antitrust, constitutional law

41.

Economic Uncertainty, the Courts, and the Rule of Law

Harvard Journal of Law and Public Policy, Vol. 35, No. 1, p. 1, 2011, George Mason Law & Economics Research Paper No. 11-46
Number of pages: 20 Posted: 17 Nov 2011
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 252 (90,503)
Citation 1

Abstract:

bailout, bankruptcy, Chrysler, Deniz Anginer, Dodd-Frank, Durbin, dynamism, Eric Rasmusen, flux, General Motors, Hayek, JP Morgan Chase, Jamie Dimon, Joseph Warburton, Mark J. Ramseyer, risk exposure, Roosevelt, interest rates, market instability, political opportunism, profile, reform legislation

42.

Payday Lending, Bank Overdraft Protection, and Fair Competition at the Consumer Financial Protection Bureau

Mercatus Center Working Paper No. 13-22, Review of Banking and Financial Law, Vol. 33, No. 1, pp. 235-281, 2013 , George Mason Law & Economics Research Paper No. 13-66
Number of pages: 48 Posted: 24 Nov 2013 Last Revised: 27 Mar 2014
Robert L. Clarke and Todd J. Zywicki
Bracewell LLP and George Mason University - Antonin Scalia Law School, Faculty
Downloads 243 (82,495)

Abstract:

consumer credit, overdrafts, alternative financial services, consumer protection, government policy and regulation, payday lending, overdraft protection

43.

The FTC and State Action: Evolving Views on the Proper Role of Government

Antitrust Law Journal, Vol. 72, No. 3, pp. 1075-1090, 2005, George Mason Law & Economics Research Paper No. 05-08
Number of pages: 17 Posted: 31 Mar 2005
John T. Delacourt and Todd J. Zywicki
Office of Policy Planning, Federal Trade and George Mason University - Antonin Scalia Law School, Faculty
Downloads 218 (112,233)

Abstract:

state action, public choice, antitrust law and policy, antitrust exemptions

44.

The Nature of the State and the State of Nature: A Comment on Grady & Mcguire's 'the Nature of Constitutions'

George Mason Law & Economics Research Paper No. 00-02
Number of pages: 40 Posted: 26 Jun 2000
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 216 (113,252)
Citation 1

Abstract:

evolutionary economics, rent-seeking, constitutional economics, public choice.

45.

The U.S. Federal Trade Commission and Competition Advocacy: Lessons for Latin American Competition Policy

George Mason Law & Economics Research Paper No. 07-07, LATIN AMERICAN ANTITRUST DEVELOPMENTS, D. Daniel Sokol, ed., Forthcoming
Number of pages: 51 Posted: 06 Feb 2007
Todd J. Zywicki and James C. Cooper
George Mason University - Antonin Scalia Law School, Faculty and George Mason University - Antonin Scalia Law School, Faculty
Downloads 210 (105,189)

Abstract:

competition, Economic Theory of Regulation, antitrust

46.

An Assessment of Behavioral Law and Economics Contentions and What We Know Empirically About Credit Card Use by Consumers

George Mason Law & Economics Research Paper No. 14-46
Number of pages: 73 Posted: 24 Sep 2014 Last Revised: 15 Jan 2016
Thomas A. Durkin, Gregory Elliehausen and Todd J. Zywicki
Board of Governors of the Federal Reserve System, Federal Reserve Board and George Mason University - Antonin Scalia Law School, Faculty
Downloads 197 (88,125)

Abstract:

bank overdraft, behavioral law and economics, consumer behavior, credit cards, debit cards, empirical analysis, government policy, interest rates, Juster-Shay model, mortgage loan, payday loan, shrouded fees, transaction interchange fees

47.

Consumer Use and Government Regulation of Title Pledge Lending

George Mason Law & Economics Research Paper No. 10-12, Loyola Consumer Law Review, Vol. 22, No. 4, 2010, pp. 425-462
Number of pages: 39 Posted: 01 Mar 2010 Last Revised: 14 Jun 2010
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 190 (114,274)
Citation 1

Abstract:

CFPA, consumer credit, Consumer Financial Protection Agency, FDIC, Federal Deposit insurance Corporation, fringe lending, Jackie Speier, product substitution, recession, re-pricing, Richard Durbin, Small-Dollar Loan Pilot Program

48.

The Senate and Hyper-Partisanship: Would the Constitution Look Different If the Framers Had Known that Senators Would Be Elected in Partisan Elections?

Georgetown Journal of Law & Public Policy, Part of the Symposium “Hyperpartisanship and the Law”, George Mason Law & Economics Research Paper No. 12-38,
Number of pages: 21 Posted: 03 May 2012
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 182 (92,376)

Abstract:

49.

The Law of Presidential Transitions and the 2000 Election

George Mason Law & Economics Research Paper No. 01-08
Number of pages: 50 Posted: 08 Mar 2001
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 160 (153,553)
Citation 1

Abstract:

50.

Hayek's Jurisprudence: And Ratnapala's Hayek

George Mason Law & Economics Research Paper No. 14-63
Number of pages: 20 Posted: 28 Nov 2014
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 122 (149,537)

Abstract:

common law jurisprudence, economics, evolutionary epistemology, Friedrich A. Hayek, F. A. Hayek, Suri Ratnapala, social thought

51.

Testimony Before United States House of Representatives Committee on Financial Services on Proposed Consumer Financial Protection Agency

George Mason Law & Economics Research Paper No. 09-38
Number of pages: 37 Posted: 23 Aug 2009
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 118 (192,188)

Abstract:

abuse, adjustable rate mortgages, ARMs, credit cards, default, Federal Reserve Commission, fixed rate mortgages, FTC, Federal Trade Commission, low-documentation loans, misplaced paternalism, personal responsibility, rational consumer response, subprime mortgages

52.

Does Increased Litigation Increase Justice in a Second-Best World?

THE AMERICAN ILLNESS, Frank Buckley, ed., Yale University Press (2012)., George Mason Law & Economics Research Paper No. 11-09
Number of pages: 17 Posted: 17 Feb 2011 Last Revised: 21 May 2016
Jeremy Kidd and Todd J. Zywicki
Mercer University - Walter F. George School of Law and George Mason University - Antonin Scalia Law School, Faculty
Downloads 109 (190,953)

Abstract:

American Bar Association Code of Professional Responsibility, attorney, Bates v. State Bar of Arizona, Brickman, civil procedure, Coharis, exceptionalism, external costs, forum-shopping, Internet, Kobayashi, meritless, Posner, price competition, procedural, quantity, Ribstein, substantive, Tullock

53.

Commentary: CFPB Study of Overdraft Programs

George Mason Law & Economics Research Paper No. 13-60
Number of pages: 24 Posted: 06 Nov 2013
G. Michael Flores and Todd J. Zywicki
Bretton Woods, Inc. and George Mason University - Antonin Scalia Law School, Faculty
Downloads 105 (164,903)

Abstract:

consumer credit, overdrafts, alternative financial services, consumer protection, government policy and regulation

54.

Commentary on CFPB Report: Data Point: Checking Account Overdraft

George Mason Law & Economics Research Paper No. 14-45
Number of pages: 16 Posted: 23 Sep 2014 Last Revised: 16 Jul 2016
G. Michael Flores and Todd J. Zywicki
Bretton Woods, Inc. and George Mason University - Antonin Scalia Law School, Faculty
Downloads 100 (171,538)

Abstract:

consumer credit, overdrafts, alternative financial services, consumer protection, government policy and regulation

55.

Bruno Leoni's Legacy and Continued Relevance

Journal of Private Enterprise, Vol. 30, No. 1, pp. 131-141, 2015, George Mason Law & Economics Research Paper No. 14-49
Number of pages: 12 Posted: 01 Oct 2014 Last Revised: 07 May 2015
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 93 (189,743)

Abstract:

Bruno Leoni, F.A. Hayek, common law, legislation, spontaneous order, judicial process

56.

The Dodd-Frank Act Five Years Later: Are We More Stable?

George Mason Legal Studies Research Paper No. LS 15-10, George Mason Law & Economics Research Paper No. 15-28
Number of pages: 11 Posted: 27 Aug 2015
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 89 (144,157)

Abstract:

Dodd-Frank, Durbin Amendment, Consumer Financial Protection Bureau, unbanked consumers, credit cards, mortgages, data mining

57.

Credit Where It's Due: How Payment Cards Benefit Canadian Merchants and Consumers, and How Regulation Can Harm Them

Pp. 1-46, Macdonald-Laurier Institute, October 2013, George Mason Law & Economics Research Paper No. 13-58
Number of pages: 53 Posted: 29 Oct 2013
Carleton University, International Center for Law & Economics (ICLE), Reason Foundation and George Mason University - Antonin Scalia Law School, Faculty
Downloads 82 (202,099)

Abstract:

Boston Fed Study, cap, credit cards, cross-subsidies, debit, Durbin Amendment, efficiency, electronic payments, innovation, interchange fee regulations, NDP, pass-through fees, price controls, surcharge, two-sided markets, United States

58.

The Rule of Law During Times of Economic Crisis

George Mason Legal Studies Research Paper No. LS 15-09, George Mason Law & Economics Research Paper No. 15-27
Number of pages: 63 Posted: 27 Aug 2015
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 65 (171,538)

Abstract:

crony capitalism, Dodd-Frank, economic recovery, fiscal crisis, legal constraints, moral hazard, popular ideology, rent-seeking, rule of law, social elites, U.S. Constitution

59.

Introduction and Overview of Consumer Credit: Development, Uses, Kinds, and Policy Issues

Consumer Credit and the American Economy, Ch. 1 (Oxford University Press, 2014), George Mason Law & Economics Research Paper No. 14-57
Number of pages: 38 Posted: 30 Oct 2014
Board of Governors of the Federal Reserve System, Federal Reserve Board, University of Arizona and George Mason University - Antonin Scalia Law School, Faculty
Downloads 64 (140,612)

Abstract:

consumer credit, credit cards, personal loans, personal bankruptcy, auto loans, student loans, financial management, household investment, installment, revolving, noninstallment, closed-end, open-end, credit reporting agency, CRA, credit bureau, regulation, financial institutions

60.

The Consumer Financial Protection Bureau's Arbitration Study: A Summary and Critique

Mercatus Working Paper, George Mason Legal Studies Research Paper No. LS 15-07, George Mason Law & Economics Research Paper No. 15-25, Virginia Law and Economics Research Paper No. 24, Virginia Public Law and Legal Theory Research Paper No. 51
Number of pages: 59 Posted: 26 Aug 2015 Last Revised: 19 Sep 2015
Jason Scott Johnston and Todd J. Zywicki
University of Virginia - School of Law and George Mason University - Antonin Scalia Law School, Faculty
Downloads 61 (144,877)

Abstract:

consumer financial regulation, arbitration, class action litigation, attorneys’ fees

61.

Debit, Credit and Cell: Making Canada a Leader in the Way We Pay

Number of pages: 24 Posted: 13 Jul 2012
Philippe Bergevin and Todd J. Zywicki
C.D. Howe Institute and George Mason University - Antonin Scalia Law School, Faculty
Downloads 59 (289,324)

Abstract:

Economic Growth and Innovation, Canada, debit and credit cards, electronic payment options, cell phones, Interac Association

62.

Money to Go

Regulation, Vol. 33, No. 2, p. 32, Summer 2010
Number of pages: 6 Posted: 29 Jun 2010
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 58 (298,770)

Abstract:

63.

Consumer Credit and the American Economy: An Overview

Journal of Law, Economics and Policy, Forthcoming, George Mason Legal Studies Research Paper No. LS 15-18, George Mason Law & Economics Research Paper No. 15-34
Number of pages: 40 Posted: 09 Sep 2015
Thomas A. Durkin, Gregory Elliehausen and Todd J. Zywicki
Board of Governors of the Federal Reserve System, Federal Reserve Board and George Mason University - Antonin Scalia Law School, Faculty
Downloads 51 (135,711)

Abstract:

consumer credit, credit cards, payday loans, behavioral economics, law and economics

64.

Rent-Seeking, Crony Capitalism, and the Crony Constitution

Supreme Court Economic Review, Forthcoming, George Mason Legal Studies Research Paper No. LS 15-08, George Mason Law & Economics Research Paper No. 15-26
Number of pages: 37 Posted: 27 Aug 2015
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 48 (162,097)

Abstract:

Rule of Law, Hayek, cronyism, financial crisis, bailouts

65.

The Law and Economics of Consumer Debt Collection and Its Regulation

George Mason Legal Studies Research Paper No. LS 15-17, George Mason Law & Economics Research Paper No. 15-33
Number of pages: 71 Posted: 09 Sep 2015
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 33 (149,537)

Abstract:

debt collection, consumer demand for credit, Consumer Financial Protection Bureau

66.

Meaningful Tort Reform: A Public Choice Analysis

Number of pages: 74 Posted: 05 Jun 2013
Todd J. Zywicki and Jeremy Kidd
George Mason University - Antonin Scalia Law School, Faculty and Mercer University - Walter F. George School of Law
Downloads 28 (359,460)
Citation 1

Abstract:

67.

The Changing of the Guard: The Political Economy of Administrative Bloat in American Higher Education

George Mason Law & Economics Research Paper No. 17-12
Number of pages: 35 Posted: 29 Mar 2017
Todd J. Zywicki and Christopher Koopman
George Mason University - Antonin Scalia Law School, Faculty and George Mason University - Mercatus Center
Downloads 0 (74,538)

Abstract:

Academic Bureaucracy, Administrative Bloat, Higher Education, Non-Profit, University Governance

68.

A Chip Off the Old Block or a New Direction for Payment Cards Security? The Chip & PIN Debate, Apple Pay, and the Law & Economics of Preventing Payment Card Fraud

George Mason Law & Economics Research Paper No. 17-09
Number of pages: 53 Posted: 13 Mar 2017
James C. Cooper and Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty and George Mason University - Antonin Scalia Law School, Faculty
Downloads 0 (193,370)

Abstract:

cardholder verification method, chip technology, consumer payment, credit cards, CVM, EMV, fraud, law & economics, payment card security, PIN

69.

Market-Reinforcing versus Market-Replacing Consumer Finance Regulation

Hester Peirce and Benjamin Klutsey, eds., Reframing Financial Regulation: Enhancing Stability and Protecting Consumers, Mercatus Center at George Mason University, pp. 319-341, 2016, George Mason Law & Economics Research Paper No. 17-07
Number of pages: 24 Posted: 13 Feb 2017
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 0 (282,429)

Abstract:

Consumer Finance, Consumer Protection, Consumer Financial Protection Bureau, Dodd-Frank, Credit Cards

70.

Do Americans Really Save Too Little and Should We Nudge Them to Save More? The Ethics of Nudging Retirement Savings

George Mason Law & Economics Research Paper No. 17-03
Number of pages: 46 Posted: 23 Jan 2017 Last Revised: 28 Jan 2017
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 0 (175,497)

Abstract:

behavioral economics, defined benefit plan, defined contribution plan, IRA, pension, personal savings, retirement savings, Social Security, 401(k)

71.

Behavioral Law & Economics Goes to Court: The Fundamental Flaws in the Behavioral Law & Economics Arguments Against No-Surcharge Laws

ICLE Financial Regulation Research Program Paper Series 2016-1
Number of pages: 72 Posted: 12 Dec 2016
Todd J. Zywicki, Geoffrey A. Manne and Kristian Stout
George Mason University - Antonin Scalia Law School, Faculty, International Center for Law & Economics (ICLE) and International Center for Law and Economics
Downloads 0 (156,864)

Abstract:

behavioral economics, behavioral law & economics, law & economics, First Amendment, commercial speech, pricing, payment cards, credit cards, surcharging, discounting, bias, endowment effect, experimental economics, fee shrouding, framing effect, consumer behavior

72.

Nudging in an Evolving Marketplace: How Markets Improve Their Own Choice Architecture

George Mason Law & Economics Research Paper No. 16-21
Number of pages: 31 Posted: 03 Apr 2016 Last Revised: 29 Apr 2016
Adam Christopher Smith and Todd J. Zywicki
Johnson & Wales University and George Mason University - Antonin Scalia Law School, Faculty
Downloads 0 (186,272)

Abstract:

behavioral economics, law and economics, nudge, Consumer Financial Protection Bureau, public choice, regulation

73.

The Dodd-Frank Act Five Years Later: Are We Freer?

George Mason Law & Economics Research Paper No. 15-54
Number of pages: 14 Posted: 17 Dec 2015 Last Revised: 05 Jan 2016
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty
Downloads 0 (158,539)

Abstract:

banks, Consumer Financial Protection Bureau, CFPB, crony capitalism, Dodd-Frank Act, financial crisis, moral hazard, Operation Choke Point, political opportunism, rule of law

74.

Bankruptcy Judge as a Central Planner

Research Handbook on Austrian Law and Economics, Todd Zywicki and Peter Boettke (eds.), Edward Elgar, Forthcoming, George Mason Law & Economics Research Paper No. 13-27
Posted: 21 Apr 2013
Todd J. Zywicki and Shruti Rajagopalan
George Mason University - Antonin Scalia Law School, Faculty and Department of Economics, SUNY Purchase College

Abstract:

75.

Environmental Externalities and Political Externalities: The Political Economy of Environmental Regulation and Reform

Tulane Law Review, Vol. 73, P. 845, 1999
Posted: 23 Dec 1998
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty

Abstract:

76.

Rewrite the Bankruptcy Laws, Not the Scriptures: Protecting a Bankruptcy Debtor's Right to Tithe

Wisconsin Law Review, December 1998
Posted: 15 Dec 1998
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty

Abstract:

77.

It's Time for Means-Testing

Brigham Young University Law Review, February 1999
Posted: 15 Dec 1998
Edith H. Jones and Todd J. Zywicki
U.S. Court of Appeals for the Fifth Circuit and George Mason University - Antonin Scalia Law School, Faculty

Abstract:

78.

Mend It, Don't End It: The Case for Retaining the Disinterestedness Requirement for Debtor in Possession's Professionals

Mississippi College Law Review, Symposium on Bankruptcy Law, January 1999
Posted: 15 Dec 1998
Todd J. Zywicki
George Mason University - Antonin Scalia Law School, Faculty

Abstract:

79.

Finding the Constitution: An Economic Analysis of Tradition's Role in Constitutional Interpretation

North Carolina Law Review, Vol. 77, 1998
Posted: 14 Dec 1998
Todd J. Zywicki and Adam C. Pritchard
George Mason University - Antonin Scalia Law School, Faculty and University of Michigan Law School

Abstract: