Todd J. Zywicki

George Mason University - Antonin Scalia Law School

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

97

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45,539

SSRN CITATIONS
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Top 7,143

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89

CROSSREF CITATIONS

135

Scholarly Papers (97)

1.

The Economics of Credit Cards

Number of pages: 127 Posted: 25 May 2000
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 3,205 (6,696)
Citation 4

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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 and Independent
Downloads 2,702 (8,699)

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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 and Institute for Justice
Downloads 2,047 (13,590)
Citation 3

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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
Downloads 1,733 (17,683)
Citation 11

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Bankruptcy, consumer credit, New Institutional Economics

5.

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

Number of pages: 83 Posted: 10 Dec 2003
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 1,698 (18,221)
Citation 41

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

6.

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

Number of pages: 18 Posted: 12 Nov 2003
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 1,526 (21,462)
Citation 1

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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
Downloads 1,511 (21,808)
Citation 5

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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.

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 and Utah State University - Center for Growth and Opportunity
Downloads 1,435 (23,526)
Citation 1

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

9.

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: 14 Jan 2020
Todd J. Zywicki, Geoffrey A. Manne and Julian Morris
George Mason University - Antonin Scalia Law School, International Center for Law & Economics (ICLE) and International Center for Law and Economics
Downloads 1,179 (31,408)
Citation 10

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

10.
Downloads 1,032 (37,971)
Citation 2

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 and Trinity College
Downloads 943 (42,527)

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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

Common Law and Economic Efficiency

Encyclopedia of Law and Economics, Forthcoming.
Number of pages: 48 Posted: 11 Feb 2021
Todd J. Zywicki and Edward Peter Stringham
George Mason University - Antonin Scalia Law School and Trinity College
Downloads 89 (489,791)

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neoclassical arguments, Austrian arguments, Hayek, common law judges, wealth distribution

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
Downloads 944 (43,086)
Citation 11

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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

12.

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, Federal Trade Commission -- Bureau of Economics and Federal Trade Commission
Downloads 940 (43,329)
Citation 5

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Obesity, Health Claims, Economics of Advertising

13.

Evolutionary Psychology and the Social Sciences

Number of pages: 30 Posted: 12 Oct 2000
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 905 (45,644)
Citation 2

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14.

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
Downloads 805 (53,569)

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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

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
Downloads 335 (154,359)
Citation 1

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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
Downloads 331 (156,348)
Citation 2

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16.

The Rule of Law, Freedom, and Prosperity

Number of pages: 19 Posted: 22 Aug 2002
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 661 (69,402)
Citation 7

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17.

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
Downloads 644 (71,813)
Citation 2

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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

18.

The SEC's Misguided Climate Disclosure Rule Proposal

GWU Legal Studies Research Paper No. 61, 2022, GWU Law School Public Law Research Paper No. 61, 2022, Virginia Law and Economics Research Paper No. 2022-27, 41 Banking & Financial Services Policy Report 1, 2022, Northwestern Law & Econ Research Paper No. 22-17, Stanford University Graduate School of Business Research Paper No. 4256724
Number of pages: 14 Posted: 27 Oct 2022 Last Revised: 05 Jan 2023
George Washington University, University of California, Los Angeles (UCLA) - School of Law, Stanford Graduate School of Business, University of Colorado at Boulder - Department of Finance, Northwestern University - Pritzker School of Law, Emory University School of Law, University of Pittsburgh, University of Pittsburgh - Katz School of Business, University of Delaware - John L. Weinberg Center for Corporate Governance, Harvard Law School, Fordham University School of Law, University of Washington - Michael G. Foster School of Business, George Washington University - Law School, University of Virginia School of Law, Northwestern University - Pritzker School of Law, University of Virginia School of Law, University of Virginia School of Law, University of Michigan Law School, Ohio State University (OSU) - Michael E. Moritz College of Law, Yale Law School, University of Pennsylvania - The Wharton School and George Mason University - Antonin Scalia Law School
Downloads 606 (77,398)

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SEC authority, climate disclosure, ESG, institutional investors, individual investors, information economics, government policy, financial markets, government power

19.

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
Downloads 606 (77,398)
Citation 5

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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

20.

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
Downloads 605 (77,552)
Citation 1

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Bankruptcy, consumer credit, New Institutional Economic

21.

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 and University of Texas at Arlington
Downloads 601 (78,202)
Citation 4

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22.

Public Choice and Tort Reform

Number of pages: 42 Posted: 08 Nov 2000
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 569 (83,720)
Citation 2

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23.

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
Downloads 555 (86,409)

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

24.

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, George Mason University - Antonin Scalia Law School and U.S. Federal Trade Commission - Bureau of Economics
Downloads 544 (88,572)
Citation 5

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Public Choice, Rent-Seeking, Antitrust Law & Policy

25.

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
Independent and George Mason University - Antonin Scalia Law School
Downloads 531 (91,314)

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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

26.

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

Number of pages: 34 Posted: 14 Oct 2004
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 530 (91,518)
Citation 1

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Commerce Clause, Twenty-First Amendment

27.

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
Downloads 528 (91,993)

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

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 C. Smith and Todd J. Zywicki
Johnson & Wales University and George Mason University - Antonin Scalia Law School
Downloads 461 (107,267)
Citation 1

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

29.

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
Downloads 494 (99,763)
Citation 5

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consumer bankruptcy, consumer finance, New Institutional Economics

30.

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
Downloads 488 (101,241)
Citation 2

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

31.

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
Downloads 483 (102,515)

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Consumer bankruptcy, comparative consumer bankruptcy law

32.

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
Downloads 477 (104,067)
Citation 3

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Bankruptcy, Corporate Reorganization, Chapter 11, Forum-Shopping

33.

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
Downloads 423 (119,869)
Citation 6

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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

34.

Baptists? The Political Economy of Political Environmental Interest Groups

Number of pages: 29 Posted: 07 Oct 2002
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 399 (128,256)
Citation 4

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

35.

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 Clarke and Todd J. Zywicki
Bracewell LLP and George Mason University - Antonin Scalia Law School
Downloads 398 (128,625)

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

36.

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
Downloads 398 (128,625)
Citation 4

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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

37.

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
Downloads 379 (135,880)
Citation 1

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

38.

Bankruptcy Law as Social Legislation

Number of pages: 44 Posted: 16 Jul 2001
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 376 (137,085)
Citation 3

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39.

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, Board of Governors of the Federal Reserve System and George Mason University - Antonin Scalia Law School
Downloads 373 (138,287)
Citation 1

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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

40.

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
Downloads 367 (140,782)

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

41.

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
Downloads 361 (143,384)
Citation 2

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

42.

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
Downloads 358 (144,715)

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

43.

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
Downloads 355 (146,053)
Citation 1

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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

44.

Reconciling Group Selection and Methodological Individualism

Number of pages: 19 Posted: 13 Apr 2004
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 346 (150,125)

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

45.

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
Downloads 341 (152,475)
Citation 2

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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

46.

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

Number of pages: 45 Posted: 07 Jul 2000
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 337 (154,400)
Citation 1

Abstract:

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47.

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, Board of Governors of the Federal Reserve System and George Mason University - Antonin Scalia Law School
Downloads 333 (156,363)
Citation 1

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

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
Downloads 313 (167,092)

Abstract:

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49.

A Chip Off the Old Block or a New Direction for Payment Card Security? The Law & Economics of the U.S. Transition to EMV

George Mason Law & Economics Research Paper No. 17-09
Number of pages: 60 Posted: 13 Mar 2017 Last Revised: 21 Feb 2019
James C. Cooper and Todd J. Zywicki
George Mason University - Antonin Scalia Law School and George Mason University - Antonin Scalia Law School
Downloads 301 (174,029)

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

50.

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 and George Mason University - Antonin Scalia Law School
Downloads 296 (177,119)

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competition, Economic Theory of Regulation, antitrust

51.

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
Downloads 277 (189,638)
Citation 4

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

52.

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, Board of Governors of the Federal Reserve System, University of Arizona and George Mason University - Antonin Scalia Law School
Downloads 277 (189,638)

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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

53.

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
Downloads 272 (193,261)
Citation 3

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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

54.

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
Downloads 270 (194,673)
Citation 8

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

55.

The Law of Presidential Transitions and the 2000 Election

Number of pages: 50 Posted: 08 Mar 2001
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 265 (198,375)

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56.

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
Downloads 262 (200,587)
Citation 2

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

57.

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
Downloads 261 (201,329)
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Dodd-Frank, Durbin Amendment, Consumer Financial Protection Bureau, unbanked consumers, credit cards, mortgages, data mining

58.

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

Number of pages: 40 Posted: 26 Jun 2000
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 257 (204,490)
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evolutionary economics, rent-seeking, constitutional economics, public choice.

59.

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
Downloads 256 (205,302)

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

60.

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
Downloads 252 (208,486)
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Bruno Leoni, F.A. Hayek, common law, legislation, spontaneous order, judicial process

61.

The Behavioral Economics of Behavioral Law & Economics

Review of Behavioral Economics, Vol. 5, No. 3-4, pp. 439-471, George Mason Law & Economics Research Paper No. 18-33
Number of pages: 34 Posted: 20 Sep 2018 Last Revised: 16 Jan 2019
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 245 (214,287)

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credit cards, surcharging, behavioral law & economics

62.

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
Downloads 235 (223,207)
Citation 2

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

63.

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

Missouri Law Review, Vol. 82, No. 3, 2017, ICLE Financial Regulation Research Program Paper Series 2016-1
Number of pages: 75 Posted: 12 Dec 2016 Last Revised: 11 Jan 2020
Todd J. Zywicki, Geoffrey A. Manne and Kristian Stout
George Mason University - Antonin Scalia Law School, International Center for Law & Economics (ICLE) and International Center for Law & Economics (ICLE)
Downloads 229 (228,892)

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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

64.

The Chrysler and General Motors Bankruptcies

Research Handbook on Corporate Bankruptcy Law, Barry Adler ed., 2019, Forthcoming , George Mason Law & Economics Research Paper No. 18-31
Number of pages: 32 Posted: 20 Sep 2018 Last Revised: 10 Apr 2020
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 222 (235,654)

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Chrysler, General Motors, bailouts, financial crisis, TARP

65.

The Effects of Price Controls on Payment-Card Interchange Fees: A Review and Update

ICLE White Paper 2022-03-04, George Mason Law & Economics Research Paper No. 22-07
Number of pages: 39 Posted: 23 Mar 2022
Julian Morris, Todd J. Zywicki and Geoffrey A. Manne
International Center for Law and Economics, George Mason University - Antonin Scalia Law School and International Center for Law & Economics (ICLE)
Downloads 221 (237,694)

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consumer payments system, electronic payments, payment card networks, interchange fee, price caps, interchange-fee caps, Durbin amendment

66.

Law and Economics: The Contributions of the Austrian School of Economics

Research Handbook on Austrian Law and Economics, Todd Zywicki and Peter Boettke (eds.), Edward Elgar, 2017, George Mason Law & Economics Research Paper No. 18-32
Number of pages: 33 Posted: 20 Sep 2018
Peter J. Boettke, Peter J. Boettke and Todd J. Zywicki
George Mason University - Department of EconomicsMercatus Center at George Mason University and George Mason University - Antonin Scalia Law School
Downloads 220 (237,694)

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Austrian economics, law and economics, endogenous rule formation

67.

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
Downloads 220 (237,694)
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crony capitalism, Dodd-Frank, economic recovery, fiscal crisis, legal constraints, moral hazard, popular ideology, rent-seeking, rule of law, social elites, U.S. Constitution

68.

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
Downloads 213 (244,972)
Citation 2

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

69.

The Effects on Consumers from Two State-Level Regulations of the Payday Loan Market

Number of pages: 74 Posted: 05 Oct 2021
Thomas W. Miller Jr. and Todd J. Zywicki
Mississippi State University and George Mason University - Antonin Scalia Law School
Downloads 212 (246,020)

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Personal Finance, Consumer Protection, Non-bank Financial Services, Payday Loans, State Regulation

70.

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. Flores and Todd J. Zywicki
Bretton Woods, Inc. and George Mason University - Antonin Scalia Law School
Downloads 204 (254,884)
Citation 1

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

71.

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 C. Smith and Todd J. Zywicki
Johnson & Wales University and George Mason University - Antonin Scalia Law School
Downloads 197 (263,045)

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

72.

Commentary: CFPB Study of Overdraft Programs

George Mason Law & Economics Research Paper No. 13-60
Number of pages: 24 Posted: 06 Nov 2013
G. Flores and Todd J. Zywicki
Bretton Woods, Inc. and George Mason University - Antonin Scalia Law School
Downloads 193 (267,921)
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consumer credit, overdrafts, alternative financial services, consumer protection, government policy and regulation

73.

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), International Center for Law and Economics and George Mason University - Antonin Scalia Law School
Downloads 176 (290,556)

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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

74.

Simple Rules for a Complex Regulatory World: The Case of Financial Regulation

George Mason Law & Economics Research Paper No. 20-10
Number of pages: 36 Posted: 16 Apr 2020
Christopher Mufarrige and Todd J. Zywicki
Wilson, Sonsini, Goodrich & Rosati and George Mason University - Antonin Scalia Law School
Downloads 165 (307,104)

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Hayek, simple rules, financial regulation

75.

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
Drake University - Law School and George Mason University - Antonin Scalia Law School
Downloads 165 (307,104)

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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

76.

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
Downloads 162 (313,568)
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Consumer Finance, Consumer Protection, Consumer Financial Protection Bureau, Dodd-Frank, Credit Cards

77.

Friedrich A. Hayek

George Mason Law & Economics Research Paper No. 18-04
Number of pages: 11 Posted: 11 Apr 2018
Edward Peter Stringham and Todd J. Zywicki
Trinity College and George Mason University - Antonin Scalia Law School
Downloads 161 (313,568)

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Hayek, biography, law and economics, legislature, judiciary, neoclassical

78.

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
Downloads 144 (343,797)
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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

79.

Austrian Law and Economics and Efficiency in the Common Law

Research Handbook on Austrian Law and Economics, Todd Zywicki and Peter Boettke (eds.), Edward Elgar, 2017, George Mason Law & Economics Research Paper No. 18-30
Number of pages: 29 Posted: 19 Sep 2018
Todd J. Zywicki and Edward Peter Stringham
George Mason University - Antonin Scalia Law School and Trinity College
Downloads 134 (363,586)
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80.

Junkyard Dogs: The Law and Economics of “Junk” Fees

CPI Antitrust Chronicle, April 2023, George Mason Law & Economics Research Paper No. 23-10
Number of pages: 12 Posted: 15 May 2023
Howard Beales and Todd J. Zywicki
George Washington University - School of Business and George Mason University - Antonin Scalia Law School
Downloads 120 (395,163)

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consumer payments, currency transactions, credit fees, electronic payments, junk fees

81.

Bruce Yandle and the Art of Economic Communication

George Mason Law & Economics Research Paper No. 19-01
Number of pages: 33 Posted: 10 Jan 2019 Last Revised: 31 Mar 2020
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 106 (432,211)

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Bruce Yandle, Myers-Briggs Type Indicator, environmental economics, loan sharks, Thomas Sowell, Robert Pirsig, Jonathan Haidt

82.

Credit Cards and the Reverse Robin Hood Fallacy: Do Credit Card Rewards Really Steal from the Poor and Give to the Rich?

Banking and Financial Services Policy Review, Forthcoming, George Mason Law & Economics Research Paper No. 21-41
Number of pages: 28 Posted: 15 Dec 2021
Todd J. Zywicki, Ben Sperry and Julian Morris
George Mason University - Antonin Scalia Law School, International Center for Law & Economics (ICLE) and International Center for Law and Economics
Downloads 99 (453,386)

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credit card, reward program, credit card fees, wealth transfer, reverse Robin Hood

83.

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
Downloads 98 (456,416)
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Economic Growth and Innovation, Canada, debit and credit cards, electronic payment options, cell phones, Interac Association

84.

Bankruptcy as Filtering Failure: Evidence of Filtering Failure in the U.S. Bankruptcy Process

Number of pages: 60 Posted: 06 Apr 2022
Rutger Van Bergem, Todd J. Zywicki and Jeffrey Jenkins
Delft University of Technology - Faculty of Technology, Policy and Management, George Mason University - Antonin Scalia Law School and The Catholic University of America
Downloads 97 (459,496)

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Bankruptcy Law, Filtering Failure, Judicial Bias

85.

A Chip Off the Old Block or a New Direction for Payment Card Security? Chips, Pins, and the Law and Economics of Payment Card Fraud

Number of pages: 57 Posted: 27 Apr 2018
James C. Cooper and Todd J. Zywicki
George Mason University - Antonin Scalia Law School and George Mason University - Antonin Scalia Law School
Downloads 97 (459,496)

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

86.

Regulatory Robustness

George Mason Legal Studies Research Paper No. LS 21-33, Law & Economics Center at George Mason University Scalia Law School Research Paper Series No. 22-009
Number of pages: 64 Posted: 08 Nov 2021 Last Revised: 10 Mar 2022
Todd J. Zywicki
George Mason University - Antonin Scalia Law School
Downloads 96 (462,657)

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Progressive Era, regulation, regulatory optimization, rule of law, regulatory policy, administrative state, competitive federalism

87.

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 and Drake University - Law School
Downloads 82 (510,316)
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88.

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
Downloads 75 (537,705)

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89.

Bankruptcy Judge as a Central Planner

Research Handbook on Austrian Law and Economics, Todd Zywicki and Peter Boettke (eds.), Edward Elgar, 2017, George Mason Law & Economics Research Paper No. 13-27
Number of pages: 39 Posted: 21 Apr 2013 Last Revised: 18 Sep 2018
Todd J. Zywicki and Shruti Rajagopalan
George Mason University - Antonin Scalia Law School and Classical Liberal Institute, NYU School of Law
Downloads 59 (609,463)
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90.

The Difficult Path to State Bankruptcy

Mercatus COVID-19 Response Policy Brief Series
Number of pages: 10 Posted: 25 Sep 2020
Veronique de Rugy and Todd J. Zywicki
George Mason University - Mercatus Center and George Mason University - Antonin Scalia Law School
Downloads 53 (641,139)

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fiscal policy, state government, bankruptcy, state budgets, federal bailout, chapter 11, economic policy, pandemic, COVID-19

91.

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

International Center for Law & Economics (ICLE), Financial Regulation Research Program White Paper 2016-1
Number of pages: 72 Posted: 24 Jun 2019
Todd J. Zywicki, Geoffrey A. Manne and Kristian Stout
George Mason University - Antonin Scalia Law School, International Center for Law & Economics (ICLE) and International Center for Law & Economics (ICLE)
Downloads 25 (835,653)

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Behavioral Economics, Behavioral Law and Economics, Consumer Finance, Consumer Protection, Corporate Governance, DG Comp, Financial Regulation, First Amendment, Payments, Surcharging

92.

Expansion of Liability under Public Nuisance

18 Supreme Court Economic Review 1 (2010), George Mason Legal Studies Research Paper No. LS
Posted: 03 May 2019
Henry N. Butler and Todd J. Zywicki
George Mason University - Antonin Scalia Law School and George Mason University - Antonin Scalia Law School

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93.

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

Posted: 23 Dec 1998
Todd J. Zywicki
George Mason University - Antonin Scalia Law School

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94.

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

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95.

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

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96.

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

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97.

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 and University of Michigan Law School

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