Author Page for Patricia A. McCoy

1.

Systemic Risk through Securitization: The Result of Deregulation and Regulatory Failure

Connecticut Law Review, Vol. 41, p. 493, May 2009

Number of pages: 49 Posted: 26 Mar 2009 Last Revised: 16 May 2012

Patricia A. McCoy, Andrey D. Pavlov and Susan M. Wachter

Boston College Law School, Simon Fraser University (SFU) - Finance Area and University of Pennsylvania - Wharton School, Department of Real Estate

Downloads 1,490 (7,453)

Citation 3

Abstract:

2.

A Tale of Three Markets: The Law and Economics of Predatory Lending

Texas Law Review, Vol. 80, No. 6, p. 1255, 2002

Number of pages: 113 Posted: 11 Oct 2001 Last Revised: 24 Oct 2012

Kathleen C. Engel and Patricia A. McCoy

Suffolk University Law School and Boston College Law School

Downloads 1,482 (9,012)

Citation 14

Abstract:

3.

Turning a Blind Eye: Wall Street Finance of Predatory Lending

Fordham Law Review, Vol. 75, p. 2039, 2007

Number of pages: 65 Posted: 22 Jun 2006 Last Revised: 24 Oct 2012

Kathleen C. Engel and Patricia A. McCoy

Suffolk University Law School and Boston College Law School

Downloads 1,243 (10,582)

Citation 19

Abstract:

4.

State and Local Anti-Predatory Lending Laws: The Effect of Legal Enforcement Mechanisms

Journal of Economics and Business, Vol. 60, p. 47, 2008

Number of pages: 47 Posted: 10 Aug 2007 Last Revised: 26 Oct 2012

Raphael W. Bostic, Kathleen C. Engel, Patricia A. McCoy, Anthony Pennington-Cross and Susan M. Wachter

Federal Reserve Banks - Federal Reserve Bank of Atlanta, Suffolk University Law School, Boston College Law School, Marquette University - Dept. of Finance and University of Pennsylvania - Wharton School, Department of Real Estate

Downloads 818 (22,574)

Citation 23

Abstract:

5.

The Subprime Virus: Reckless Credit, Regulatory Failure, and Next Steps

THE SUBPRIME VIRUS: RECKLESS CREDIT, REGULATORY FAILURE, AND NEXT STEPS, Oxford University Press, 2011, Suffolk University Law School Research Paper No. 11-13

Number of pages: 32 Posted: 18 Feb 2011 Last Revised: 15 Mar 2011

Kathleen C. Engel and Patricia A. McCoy

Suffolk University Law School and Boston College Law School

Downloads 412 (45,455)

Citation 2

Abstract:

6.

The CRA Implications of Predatory Lending

Fordham Urban Law Journal, Vol. 29, p. 1571, 2002

Number of pages: 39 Posted: 25 Jun 2002 Last Revised: 09 Jan 2013

Kathleen C. Engel and Patricia A. McCoy

Suffolk University Law School and Boston College Law School

Downloads 350 (67,236)

Citation 4

Abstract:

7.

Rethinking Disclosure in a World of Risk-Based Pricing

Harvard Journal on Legislation, Vol. 44, 2007

Number of pages: 78 Posted: 21 Dec 2006

Patricia A. McCoy

Boston College Law School

Downloads 340 (70,161)

Citation 10

Abstract:

8.

Mortgage Product Substitution and State Anti-Predatory Lending Laws: Better Loans and Better Borrowers?

Atlantic Economic Journal, Vol. 40, p. 273, 2012, U of Penn, Inst for Law & Econ Research Paper No. 09-27, Suffolk University Law School Research Paper No. 09-44

Number of pages: 51 Posted: 26 Aug 2009 Last Revised: 24 Oct 2012

Raphael W. Bostic, Souphala Chomsisengphet, Kathleen C. Engel, Patricia A. McCoy, Anthony Pennington-Cross and Susan M. Wachter

Federal Reserve Banks - Federal Reserve Bank of Atlanta, Office of the Comptroller of the Currency (OCC), Suffolk University Law School, Boston College Law School, Marquette University - Dept. of Finance and University of Pennsylvania - Wharton School, Department of Real Estate

Downloads 273 (86,409)

Citation 4

Abstract:

9.

Predatory Lending and Community Development at Loggerheads

FINANCING LOW INCOME COMMUNITIES: MODELS, OBSTACLES, AND FUTURE DIRECTIONS, Russell Sage, 2007, Cleveland-Marshall Legal Studies Paper No. 05-105

Number of pages: 47 Posted: 21 Mar 2005 Last Revised: 25 Oct 2012

Kathleen C. Engel and Patricia A. McCoy

Suffolk University Law School and Boston College Law School

Downloads 252 (99,084)

Citation 1

Abstract:

10.

The Legal Infrastructure of Subprime and Nontraditional Home Mortgages

BORROWING TO LIVE: CONSUMER AND MORTGAGE CREDIT REVISITED, Nicolas P. Retsinas, Eric S. Belsky, eds., Joint Center for Housing Studies, Harvard University, James A. Johnson Metro Series, Brookings Institution Press, November 2008

Number of pages: 59 Posted: 14 Sep 2009

Patricia A. McCoy and Elizabeth Renuart

Boston College Law School and National Consumer Law Center

Downloads 156 (138,074)

Citation 7

Abstract:

11.

Federal Preemption and Consumer Financial Protection: Past and Future

Banking & Financial Services Policy Report, Vol. 3, p. 25, March, 2012 , Suffolk University Law School Research Paper No. 12-51

Number of pages: 20 Posted: 14 Nov 2012

Kathleen C. Engel and Patricia A. McCoy

Suffolk University Law School and Boston College Law School

Downloads 154 (149,765)

Abstract:

12.

Barriers to Foreclosure Prevention During the Financial Crisis

55 Arizona Law Review 723 (2013)

Number of pages: 51 Posted: 22 Apr 2013 Last Revised: 08 Jul 2016

Patricia A. McCoy

Boston College Law School

Downloads 136 (160,394)

Citation 1

Abstract:

13.

Prepared Statement of Patricia A. McCoy Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs, Hearing on 'Consumer Protections in Financial Services,' March 3, 2009

Number of pages: 29 Posted: 14 Jul 2009

Patricia A. McCoy

Boston College Law School

Downloads 130 (171,665)

Abstract:

14.

The Home Mortgage Foreclosure Crisis: Lessons Learned

Homeownership Built to Law: Balancing Access, Affordability, and Risk After the Housing Crisis (Eric S. Belsky, Christopher E. Herbert, & Jennifer H. Molinsky, eds., Brookings Institution Press, 2014)

Number of pages: 47 Posted: 22 Apr 2013 Last Revised: 08 Jul 2016

Patricia A. McCoy

Boston College Law School

Downloads 121 (175,594)

Abstract:

15.

The Performance of New Private-Label Mortgage Loan Modifications after 2009

Number of pages: 54 Posted: 06 Jul 2012

Arthur Acolin, Ren S. Essene, Min Hwang, Jacob Liebschutz, Patricia A. McCoy, Jessica Russell and Susan M. Wachter

University of Southern California - Price School of Public Policy, Consumer Financial Protection Bureau, George Washington University - Department of Finance, Harvard University - Harvard Kennedy School (HKS), Boston College Law School, Consumer Financial Protection Bureau and University of Pennsylvania - Wharton School, Department of Real Estate

Downloads 75 (242,538)

Abstract:

16.

Systemic Risk Oversight and the Shifting Balance of State and Federal Authority Over Insurance

5 U.C. Irvine Law Review 1389-1441 (2015), Boston College Law School Legal Studies Research Paper No. 349

Number of pages: 55 Posted: 12 Jan 2015 Last Revised: 08 Jul 2016

Patricia A. McCoy

Boston College Law School

Downloads 65 (239,041)

Abstract:

17.

Keeping Tabs on Financial Innovation: Product Identifiers in Consumer Financial Regulation

18 North Carolina Banking Institute Journal 195 (Special Ed. 2013)

Number of pages: 36 Posted: 31 Aug 2013 Last Revised: 08 Jul 2016

Daniel Carpenter and Patricia A. McCoy

Harvard University and Boston College Law School

Downloads 39 (324,558)

Abstract:

18.

Countercyclical Regulation and Its Challenges

47 Arizona State Law Journal 1181 (2015), Boston College Law School Legal Studies Research Paper No. 351

Number of pages: 57 Posted: 23 Feb 2015 Last Revised: 08 Jul 2016

Patricia A. McCoy

Boston College Law School

Downloads 34 (308,243)

Abstract:

19.

The Impact of State Antipredatory Lending Laws: Policy Implications and Insights

BORROWING TO LIVE: CONSUMER AND MORTGAGE CREDIT REVISITED, Joint Center for Housing Studies, Harvard University and Brookings Institution Press, 2008, 3rd Annual Conference on Empirical Legal Studies Papers

Number of pages: 41 Posted: 03 Apr 2008 Last Revised: 25 Oct 2012

Raphael W. Bostic, Patricia A. McCoy, Anthony Pennington-Cross, Susan M. Wachter and Kathleen C. Engel

Federal Reserve Banks - Federal Reserve Bank of Atlanta, Boston College Law School, Marquette University - Dept. of Finance, University of Pennsylvania - Wharton School, Department of Real Estate and Suffolk University Law School

Downloads 12 (462,482)

Citation 1

Abstract:

20.

Degrees of Intermediation

50 Wake Forest Law Review 551 (2015)

Number of pages: 28 Posted: 08 Jun 2015 Last Revised: 08 Feb 2016

Patricia A. McCoy

Boston College Law School

Downloads 9 (416,486)

Abstract:

21.

Knightian Uncertainty, Systemic Risk Regulation, and the Limits of Judicial Review

Number of pages: 43 Posted: 03 Apr 2017

Patricia A. McCoy

Boston College Law School

Downloads 0 (436,401)

Abstract:

22.

Has the Mortgage Pendulum Swung Too Far? Reviving Access to Mortgage Credit

Number of pages: 30 Posted: 08 Mar 2017

Patricia A. McCoy

Boston College Law School

Downloads 0 (411,890)

Abstract:

23.

Why Cyclicality Matters to Access to Mortgage Credit

Boston College Journal of Law and Social Justice, Vol. XVII, Forthcoming, Boston College Law School Legal Studies Research Paper No. 440

Number of pages: 43 Posted: 04 Jan 2017 Last Revised: 10 Mar 2017

Patricia A. McCoy and Susan M. Wachter

Boston College Law School and University of Pennsylvania - Wharton School, Department of Real Estate

Downloads 0 (310,837)

Abstract:

24.

The Consumer Financial Protection Bureau: Financial Regulation for the Twenty-First Century

Cornell Law Review, Vol. 97, No. 5, 2012

Number of pages: 37 Posted: 16 Jul 2016

Len Kennedy, Patricia A. McCoy and Ethan Bernstein

Consumer Financial Protection Bureau, Boston College Law School and Harvard Business School - Organizational Behavior

Downloads 0 (316,152)

Abstract:

25.

Coalescence in the Housing Finance Reform Debate?

6 Penn Wharton Public Policy Initiative Issue Brief No. 4, June 2016

Number of pages: 8 Posted: 14 Jul 2016 Last Revised: 02 Aug 2016

Susan M. Wachter and Patricia A. McCoy

University of Pennsylvania - Wharton School, Department of Real Estate and Boston College Law School

Downloads 0 (386,919)

Abstract:

26.

Representations and Warranties: Why They Did Not Stop the Crisis

Evidence and Innovation in Housing Law and Policy (L. Fennell & B. Keys, eds., Cambridge University Press, 2017 Forthcoming), Boston College Law School Legal Studies Research Paper No. 402

Number of pages: 46 Posted: 02 Jun 2016 Last Revised: 08 Jul 2016

Patricia A. McCoy and Susan M. Wachter

Boston College Law School and University of Pennsylvania - Wharton School, Department of Real Estate

Downloads 0 (190,999)

Abstract:

27.

The Home Mortgage Disclosure Act: A Synopsis and Recent Legislative History

Journal of Real Estate Research, Vol. 29, No. 4, 2007

Number of pages: 18 Posted: 14 Nov 2007 Last Revised: 23 Aug 2016

Patricia A. McCoy

Boston College Law School

Downloads 0 (493,735)

Abstract:

28.

From Credit Denial to Predatory Lending: The Challenge of Sustaining Minority Homeownership

SEGREGATION: THE RISING COSTS FOR AMERICA (James H. Carr & Nandinee Kutty, eds., Routledge, 2008)

Number of pages: 44 Posted: 05 Sep 2007 Last Revised: 23 Aug 2016

Kathleen C. Engel and Patricia A. McCoy

Suffolk University Law School and Boston College Law School

Downloads 0 (457,289)

Citation 1

Abstract:

29.

Realigning Auditors' Incentives

Connecticut Law Review, Vol. 5, p. 989, Spring 2003

Number of pages: 25 Posted: 01 Nov 2005 Last Revised: 14 Jul 2016

Patricia A. McCoy

Boston College Law School

Downloads 0 (527,691)

Citation 1

Patricia A. McCoy

Boston College Law School

Liberty Mutual Insurance Professor

29

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Scholarly Papers (29)

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