Adam J. Levitin

Georgetown University Law Center

Professor

600 New Jersey Avenue, NW

Washington, DC 20001

United States

SCHOLARLY PAPERS

77

DOWNLOADS
Rank 558

SSRN RANKINGS

Top 558

in Total Papers Downloads

50,581

SSRN CITATIONS
Rank 5,946

SSRN RANKINGS

Top 5,946

in Total Papers Citations

62

CROSSREF CITATIONS

162

Scholarly Papers (77)

1.

Explaining the Housing Bubble

Georgetown Law Journal, Vol. 100, No. 4, pp. 1177-1258, University of Pennsylvania Institute for Law & Economics Research Paper No. 10-15, Georgetown Public Law Research Paper No. 10-60, Georgetown Law and Economics Research Paper No. 10-16
Number of pages: 82 Posted: 01 Sep 2010 Last Revised: 07 May 2015
Adam J. Levitin and Susan M. Wachter
Georgetown University Law Center and University of Pennsylvania - Wharton School, Department of Real Estate
Downloads 8,684 (823)
Citation 43

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housing bubble, securitization, mortgage, MBS, RMBS, CMBS, PLS, Fannie Mae, Freddie Mac, GSE, informational asymmetries, community reinvestment act, affordable housing goals, irrational exuberance, standardization, housing finance, real estate

2.

A Transactional Genealogy of Scandal: From Michael Milken to Enron to Goldman Sachs

Southern California Law Review, Vol. 86, pp. 783-868 (2013), U of Penn, Inst for Law & Econ Research Paper No. 12-26, Georgetown Law and Economics Research Paper No. 12-034, Georgetown Public Law Research Paper No. 12-126
Number of pages: 86 Posted: 15 Aug 2012 Last Revised: 13 Dec 2014
William W. Bratton and Adam J. Levitin
University of Pennsylvania Carey Law School and Georgetown University Law Center
Downloads 3,692 (3,650)
Citation 3

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securitization, derivatives, CDO, CBO, CDS, Milken, Enron, SIV, Abacus, First Executive, Imperial Corporation, structured finance, firm, fiduciary, scandal, swaps, SPE, SPV

3.

Mortgage Servicing

Yale Journal on Regulation, Vol. 28, No. 1, 2011, Georgetown Public Law Research Paper No. 11-09, Georgetown Law and Economics Research Paper No. 11-01
Number of pages: 90 Posted: 18 Dec 2010 Last Revised: 10 Sep 2018
Adam J. Levitin and Tara Twomey
Georgetown University Law Center and National Consumer Law Center
Downloads 3,064 (5,039)
Citation 2

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Mortgage, Servicing, MBS, RMBS, CMBS, Servicer, Foreclosure, Loss Mitigation

4.

Securitization: Cause or Remedy of the Financial Crisis?

Georgetown Law and Economics Research Paper No. 1462895, U of Penn, Inst for Law & Econ Research Paper No. 09-31
Number of pages: 19 Posted: 28 Aug 2009 Last Revised: 16 May 2012
Adam J. Levitin, Andrey D. Pavlov and Susan M. Wachter
Georgetown University Law Center, Simon Fraser University (SFU) - Finance Area and University of Pennsylvania - Wharton School, Department of Real Estate
Downloads 2,079 (9,404)
Citation 3

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securitization, mortgages, subprime, bubble, housing finance, MBS, mortgage-backed securities, credit default swaps, mispricing

Payment Wars: The Merchant-Bank Struggle for Control of Payment Systems

Number of pages: 64 Posted: 19 May 2006
Adam J. Levitin
Georgetown University Law Center
Downloads 776 (40,723)
Citation 4

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credit card, debit card, payment systems, antitrust, MasterCard, Visa, IPO, PayPal, merchant, bank, network, no-surcharge rule, honor all cards, Wal-Mart, Industrial Loan Corporations, ILC, PLCC, Private Label, Co-Brand

Payment Wars: The Merchant-Bank Struggle for Control of Payment Systems

Stanford Journal of Law, Business, and Finance, Vol. 12, 2007
Number of pages: 66 Posted: 29 Sep 2006
Adam J. Levitin
Georgetown University Law Center
Downloads 749 (42,657)

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credit card, debit card, payment systems, antitrust, interchange, merchant discount, MasterCard, Visa, IPO, PayPal, merchant, bank, network, no-surcharge rule, honor all cards, Wal-Mart, Industrial Loan Corporations, ILC, PLCC, Private Label, Co-Brand, turn rate, contactless

6.

The Paper Chase: Securitization, Foreclosure, and the Uncertainty of Mortgage Title

Duke Law Journal, Vol. 63, pp. 637-734 (2013)
Number of pages: 98 Posted: 20 Nov 2013
Adam J. Levitin
Georgetown University Law Center
Downloads 1,408 (17,501)

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securitization, foreclosure, standing, MERS, UCC, title

7.

The Commercial Real Estate Bubble

Harvard Business Law Review, Vol. 3, pp. 83-118 (2013), Georgetown Law and Economics Research Paper No. 12-005, Georgetown Public Law Research Paper No. 12-018
Number of pages: 36 Posted: 16 Feb 2012 Last Revised: 17 Jul 2013
Adam J. Levitin and Susan M. Wachter
Georgetown University Law Center and University of Pennsylvania - Wharton School, Department of Real Estate
Downloads 1,396 (17,714)
Citation 6

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commercial real estate, CMBS, CDO, bubble, securitization, B-piece, Basel, rating agencies, capital requirements, residential real estate, housing, REMIC

8.

The Merchant-Bank Struggle for Control of Payment Systems

Journal of Financial Transformation, Vol. 17, pp. 73-84, 2006
Number of pages: 12 Posted: 25 May 2006
Adam J. Levitin
Georgetown University Law Center
Downloads 1,291 (19,923)

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interchange, credit card, debit card, payment systems, antitrust, Visa, MasterCard, IPO, PayPal, merchant, bank, network, no-surcharge rule, honor all cards, Wal-Mart, Industrial Loan Corporations, ILC, PLCC, Private Label, Co-Brand

9.

Resolving the Foreclosure Crisis: Modification of Mortgages in Bankruptcy

Wisconsin Law Review, p. 565, 2009
Number of pages: 91 Posted: 26 Aug 2008 Last Revised: 20 Apr 2010
Adam J. Levitin
Georgetown University Law Center
Downloads 1,206 (22,057)
Citation 2

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mortgage, bankruptcy, modification, cramdown, lienstripping, lien-stripping, Nobelman, GSE, chapter 13, 1322(b)(2)

10.

Rewriting Frankenstein Contracts: The Workout Prohibition in Residential Mortgage-Backed Securities

Southern California Law Review, Vol. 82, pp. 1077-1152, 2009, Georgetown Public Law Research Paper No. 1323546, CLEA 2009 Annual Meeting Paper, Rutgers School of Law-Newark Research Papers No. 33
Number of pages: 78 Posted: 06 Jan 2009 Last Revised: 04 Dec 2009
Anna Gelpern and Adam J. Levitin
Georgetown University Law Center and Georgetown University Law Center
Downloads 1,050 (26,996)

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securitization, mortgages, foreclosure, servicing, PSA, pooling and servicing agreement, gold clauses, New Deal, public utility holding company act, Frazier-Lemke Act, contract, collective action, workout, modification, externalities, MBS, RMBS, CMBS, bankruptcy

Priceless? The Social Costs of Credit Card Merchant Restraints

Georgetown Law and Economics Research Paper No. 973970, Georgetown Public Law Research Paper No. 973970
Number of pages: 70 Posted: 27 Mar 2007 Last Revised: 04 Mar 2014
Adam J. Levitin
Georgetown University Law Center
Downloads 515 (69,377)
Citation 6

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credit cards, surcharges, discounts, no-surcharge rule, honor all cards, merchant restraints, debit cards, unbanked, subsidization, interchange, merchant discount, cognitive bias, framing effect, underestimation bias, spending restraint bias, inflation, bankruptcy

Priceless? The Social Costs of Credit Card Merchant Restraints

Harvard Journal on Legislation, Vol. 45, No. 1, 2008, Georgetown Law and Economics Research Paper No. 973970, Georgetown Public Law Research Paper No. 973970
Number of pages: 70 Posted: 31 Aug 2007 Last Revised: 18 Jan 2008
Adam J. Levitin
Georgetown University Law Center
Downloads 477 (76,230)

Abstract:

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credit cards, surcharge, interchange, discounts, no-surcharge rule, honor all cards, merchant restraints, debit cards, unbanked, subsidization,merchant discount, cognitive bias, framing effect, underestimation bias, spending restraint bias, inflation, bankruptcy, savings, payment

12.

The New Bond Workouts

University of Pennsylvania Law Review, Vol. 166, No. 1597, 2018, U of Penn, Inst for Law & Econ Research Paper No. 17-9, European Corporate Governance Institute (ECGI) - Law Working Paper No. 356/2017
Number of pages: 78 Posted: 03 Mar 2017 Last Revised: 11 Dec 2018
William W. Bratton and Adam J. Levitin
University of Pennsylvania Carey Law School and Georgetown University Law Center
Downloads 973 (30,112)
Citation 2

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Corporations, Bankruptcy, Corporate Finance, Securities, Bonds, Financial Distress, Reorganizations, Debt Restructuring, Trust Indenture Act, Collective Action Clauses, Unanimous Action Clause, Creditor Coercion, Exit Consents, Intercreditor Duty of Good Faith

13.

In Defense of Bailouts

Georgetown Law Journal, Vol. 99, p. 435, 2011, Georgetown Law and Economics Research Paper No. 10-08, Georgetown Public Law and Legal Theory Research Paper No. 10-19
Number of pages: 80 Posted: 22 Mar 2010 Last Revised: 04 Mar 2014
Adam J. Levitin
Georgetown University Law Center
Downloads 944 (31,466)
Citation 1

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bailout, systemic risk, contagion, common shock, resolution authority, living will, bankruptcy, haircut, GM, AIG

14.

Purdue's Poison Pill: The Breakdown of Chapter 11's Checks and Balances

Texas Law Review, Vol. 100, 2022
Number of pages: 78 Posted: 27 May 2021 Last Revised: 07 Aug 2021
Adam J. Levitin
Georgetown University Law Center
Downloads 919 (32,664)

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bankruptcy, forum shopping, judge shopping, opioids, non-debtor releases, third-party releases, channeling injunction, restructuring support agreement, RSA, DIP financing, prepackaged plan, asset sales, stalking horse, equitable mootness, final order

15.

The Anti-Trust Superbowl: America's Payment Systems, No-Surcharge Rules, and the Hidden Costs of Credit

Berkeley Business Law Journal, Vol. 3, No. 1, p. 265, 2005
Number of pages: 73 Posted: 01 Apr 2005
Adam J. Levitin
Georgetown University Law Center
Downloads 888 (34,209)
Citation 1

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Credit cards, surcharges, no-surcharge rule, no-discrimination rule, cash discounts, truth-in-lending act, cross-subsidization, inflation, payment systems, debit cards, antitrust, regulation z, reg z, frequent flyer

16.

Priceless? The Costs of Credit Cards

Georgetown Law and Economics Research Paper No. 973974, Georgetown Public Law Research Paper No. 973974
Number of pages: 88 Posted: 26 Mar 2007
Adam J. Levitin
Georgetown University Law Center
Downloads 838 (37,058)
Citation 1

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credit cards, surcharges, discounts, no-surcharge rule, honor all cards, merchant restraints, debit cards, ATMs, interchange, merchant discount, cognitive bias, framing effect, price-fixing, MFN, MCC, monopolization, antitrust, tying, most favored nation, network effect, network externality

17.

The Consumer Financial Protection Agency

Pew Financial Reform Project, Briefing Paper, No. 2, 2009, Georgetown Law and Economics Research Paper No. 1447082
Number of pages: 17 Posted: 12 Aug 2009 Last Revised: 23 Sep 2009
Adam J. Levitin
Georgetown University Law Center
Downloads 823 (38,018)

Abstract:

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Consumer Financial Protection Agency, consumer protection, plain vanilla, mortgages, credit cards, regulatory arbitrage, safety-and-soundness

18.

The Politics of Financial Regulation and the Regulation of Financial Politics

Harvard Law Review, Vol. 127, 2014
Number of pages: 75 Posted: 03 Mar 2014 Last Revised: 21 Mar 2014
Adam J. Levitin
Georgetown University Law Center
Downloads 725 (45,147)
Citation 1

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financial crisis, bailout, Federal Reserve, cramdown, capture, CFPB, Durbin, interchange, money market mutual funds, NAV

19.

The Consumer Financial Protection Bureau: An Introduction

Georgetown Law and Economics Research Paper Forthcoming, Review of Banking and Financial Law, Vol. 32, pp. 321-369, 2013, Georgetown Public Law Research Paper No. 13-006
Number of pages: 49 Posted: 12 Jan 2013 Last Revised: 06 Aug 2013
Adam J. Levitin
Georgetown University Law Center
Downloads 721 (45,592)
Citation 6

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Consumer Financial Protection Bureau, CFPB

20.

Pandora's Digital Box: The Promise and Perils of Digital Wallets

University of Pennsylvania Law Review, Vol. 166, 2017
Number of pages: 90 Posted: 19 Jan 2017 Last Revised: 27 Feb 2017
Adam J. Levitin
Georgetown University Law Center
Downloads 699 (47,618)
Citation 1

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Payment Systems, Consumer Protection, Antitrust, Privacy, CFPB, Abusive, Digital Wallets, Mobile Wallets, Credit Cards, Debit Cards, ACH, Tokenization, Encryption, PCI, EMV, Honor All Wallets, Honor All Cards

21.

Skin-in-the-Game: Risk Retention Lessons from Credit Card Securitization

George Washington Law Review, Vol. 81, No. 3, pp. 813-855 (2013), Georgetown Law and Economics Research Paper No. 11-18, Georgetown Public Law Research Paper No. 11-116
Number of pages: 43 Posted: 09 Aug 2011 Last Revised: 04 Mar 2014
Adam J. Levitin
Georgetown University Law Center
Downloads 697 (47,618)
Citation 6

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securitization, risk retention, skin-in-the-game, credit cards, excess spread, tranching, information asymmetry, moral hazard, Black-Scholes, option pricing, implicit recourse, rate-jacking, Credit CARD Act

22.

A Critique of the American Bankers Association's Study on Credit Card Regulation

Georgetown Law and Economics Research Paper No. 1029191, Georgetown Public Law Research Paper No. 1029191
Number of pages: 46 Posted: 27 Dec 2007 Last Revised: 20 Aug 2008
Adam J. Levitin
Georgetown University Law Center
Downloads 664 (50,758)

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credit cards, risk-based pricing, subprime, creditworthy, revolving debt, merit goods, return on assets, risk-based repricing

23.

The Effect of Bankruptcy Strip-Down on Mortgage Markets

Georgetown Law and Economics Research Paper No. 1087816
Number of pages: 42 Posted: 29 Jan 2008 Last Revised: 08 Aug 2012
Adam J. Levitin and Joshua Goodman
Georgetown University Law Center and Brandeis University - Department of Economics
Downloads 641 (53,207)
Citation 6

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mortgage, bankruptcy, modification, cramdown, lienstripping, lien-stripping, Nobelman, GSE, chapter 13, 1322(b)(2)

24.

The Limits of Enron: Counterparty Risk in Bankruptcy Claims Trading

Journal of Bankruptcy Law and Practice, Vol. 15, pp. 389-429, 2006
Number of pages: 41 Posted: 06 Jun 2006
Adam J. Levitin
Georgetown University Law Center
Downloads 608 (56,883)

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Enron, equitable subordination, bankruptcy claims, good faith, creditor, transferee, assignment, counterparty risk, liquidity, distressed debt, vulture funds, loan syndication, credit default swap, bankruptcy, remedy, nemo dat, Refco, short and distort, market manipulation

25.

Why Housing?

Housing Policy Debate, Vol. 23, pp. 5-27 (2013), U of Penn, Inst for Law & Econ Research Paper No. 12-28, Georgetown Law and Economics Research Paper No. 12-035, Georgetown Public Law Research Paper No. 12-127
Number of pages: 24 Posted: 22 Aug 2012 Last Revised: 17 Jul 2013
Adam J. Levitin and Susan M. Wachter
Georgetown University Law Center and University of Pennsylvania - Wharton School, Department of Real Estate
Downloads 604 (57,349)
Citation 5

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bubble, mortgage, housing, interest rates, securitization, agency, CDO

26.

Bankruptcy Markets: Making Sense of Claims Trading

Brooklyn Journal of Corporate, Financial & Commercial Law, Vol. 4, pp. 64-109, 2010, Georgetown Law and Economics Research Paper No. 10-02
Number of pages: 47 Posted: 16 Jan 2010 Last Revised: 31 Jan 2010
Adam J. Levitin
Georgetown University Law Center
Downloads 586 (59,596)
Citation 1

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bankruptcy, claims trading, distressed debt, hedge funds, total return swaps, TRS, empty core, core theory, anticommons, reorganization, bankruptcy claims

27.

An Analysis of the Proposed Interchange Fee Litigation Settlement

Georgetown Law and Economics Research Paper No. 12-033, Georgetown Public Law Research Paper No. 12-125
Number of pages: 25 Posted: 21 Aug 2012 Last Revised: 03 Sep 2012
Adam J. Levitin
Georgetown University Law Center
Downloads 585 (59,708)

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interchange, credit cards, merchant discount, issuer, acquirer, Visa, MasterCard, MDL 1720, settlement, surcharge, routing, honor all cards, release

Finding Nemo: Rediscovering the Virtues of Negotiability in the Wake of Enron

Number of pages: 82 Posted: 25 Jun 2006
Adam J. Levitin
Georgetown University Law Center
Downloads 283 (137,667)
Citation 1

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Bankruptcy, nemo dat, negotiability, bankruptcy claims, Enron, equitable subordination, equity, liquidity, credit default swap, loan participation, Refco, market manipulation, justified reliance, UCC Article 3, UCC Article 9, security interest, reification, merger doctrine

Finding Nemo: Rediscovering the Virtues of Negotiability in the Wake of Enron

Columbia Business Law Review, pp. 83-177, 2007
Number of pages: 95 Posted: 11 Oct 2006
Adam J. Levitin
Georgetown University Law Center
Downloads 253 (154,521)

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Bankruptcy, nemo dat, negotiability, bankruptcy claims, Enron, equitable subordination, equity, liquidity, credit default swap, loan participation, Refco, market manipulation, justified reliance, UCC Article 3, UCC Article 9, security interest, reification, merger doctrine

29.

Information Failure and the U.S. Mortgage Crisis

In THE AMERICAN MORTGAGE SYSTEM: RETHINK AND REFORM, Susan Wachter and Marty Smith, eds., University of Pennsylvania Press, Forthcoming , University of Pennsylvania Institute for Law & Economics Research Paper No. 10-19
Number of pages: 40 Posted: 06 Oct 2010 Last Revised: 28 Nov 2012
Adam J. Levitin and Susan M. Wachter
Georgetown University Law Center and University of Pennsylvania - Wharton School, Department of Real Estate
Downloads 502 (72,355)
Citation 1

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Credit Crunch, Financial Crisis, Mortgage Pools, Rating Agencies, Subprime Mortgage Credit, Asset Bubbles, Open Information, Transparency, MBS, Informationally Shrouded Mortgages, Default Risk, Securitization, Standardization

30.

Hydraulic Regulation: Regulating Credit Markets Upstream

Georgetown Public Law Research Paper No. 1259406, Yale Journal on Regulation, Vol. 26, 2009, Georgetown Law and Economics Research Paper No. 1259406
Number of pages: 85 Posted: 08 Jan 2009
Adam J. Levitin
Georgetown University Law Center
Downloads 460 (80,401)
Citation 1

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banks, thrifts, preemption, consumer protection, regulation, securitization, secondary markets, OCC, OTS, chartering, refund anticipation loans, payday loans

31.

Junk Cities: Resolving Insolvency Crises in Overlapping Municipalities

California Law Review, Vol. 107, 2019, Yale Law School, Public Law Research Paper No. 637, Yale Law & Economics Research Paper No. 595
Number of pages: 85 Posted: 29 Apr 2018 Last Revised: 26 Jun 2018
Aurelia Chaudhury, Adam J. Levitin and David Schleicher
Independent, Georgetown University Law Center and Yale University - Law School
Downloads 452 (82,096)

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Chapter 9, municipal bankruptcy, fiscal crises, insolvency

32.

Safe Banking

University of Chicago Law Review, Vol. 83, No. 1, 2016
Number of pages: 79 Posted: 02 Jan 2015 Last Revised: 16 Mar 2015
Adam J. Levitin
Georgetown University Law Center
Downloads 451 (82,303)
Citation 5

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fractional reserve banking, 100% reserve banking, shadow banking, monetary supply, deposits, payments, regulatory capture

33.

The Tenuous Case for Derivatives Clearinghouses

Georgetown Law Journal, Vol. 101, 2013, pp. 445-466, Georgetown Law and Economics Research Paper No. 12-032, Georgetown Public Law Research Paper No. 12-124
Number of pages: 22 Posted: 11 Aug 2012 Last Revised: 13 Jan 2013
Adam J. Levitin
Georgetown University Law Center
Downloads 448 (82,961)

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clearinghouse, derivatives, credit default swaps, CDS, swaps, over-the-counter, margin, capital

34.
Downloads 445 ( 83,622)
Citation 2

Bankrupt Politics and the Politics of Bankruptcy

Georgetown Public Law Research Paper No. 11-117, Georgetown Law and Economics Research Paper No. 11-19
Number of pages: 45 Posted: 09 Aug 2011 Last Revised: 04 Mar 2014
Adam J. Levitin
Georgetown University Law Center
Downloads 313 (123,664)
Citation 3

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bankruptcy, fiscal federalism, budget deficits, political agency, moral hazard, public choice, creditors' bargain, political economy, state fiscal crises, Chapter 9

Bankrupt Politics and the Politics of Bankruptcy

Cornell Law Review, Vol. 97, No. 6, p. 1399, 2012
Number of pages: 62 Posted: 28 Sep 2012
Adam J. Levitin
Georgetown University Law Center
Downloads 132 (275,713)

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bankruptcy, fiscal federalism, budget deficits, political agency, moral hazard, public choice, creditors' bargain, political economy, state fiscal crises, Chapter 9

Toward a Federal Common Law of Bankruptcy: Judicial Lawmaking in a Statutory Regime

American Bankruptcy Law Journal, Vol. 80, 2006
Number of pages: 108 Posted: 21 Mar 2006
Adam J. Levitin
Georgetown University Law Center
Downloads 244 (160,133)
Citation 4

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Bankruptcy, equity, court of equity, equitable powers, federal common law, pre-Code practices, non-debtor releases, Bildisco, Ahlers, Grupo Mexicano, Capital Factors, K-Mart, Butner, critical vendors, first day orders, substantive consolidation, equitable subordination, chanelling injunction

Toward a Federal Common Law of Bankruptcy: Judicial Lawmaking in a Statutory Regime

Number of pages: 109 Posted: 04 May 2005
Adam J. Levitin
Georgetown University Law Center
Downloads 195 (198,258)

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Bankruptcy, equity, court of equity, equitable powers, federal common law, pre-Code practices, non-debtor releases, Bildisco, Ahlers, Grupo Mexicano, Capital Factors, K-Mart, Butner, critical vendors, first day orders, substantive consolidation, equitable subordination, chanelling injunction

36.

The Dodd-Frank Act and Housing Finance: Can It Restore Private Risk Capital to the Securitization Market?

Yale Journal on Regulation, Forthcoming, U of Penn, Inst for Law & Econ Research Paper No. 11-35, Georgetown Law and Economics Research Paper No. 11-32
Number of pages: 27 Posted: 10 Dec 2011 Last Revised: 15 May 2012
Adam J. Levitin, Andrey D. Pavlov and Susan M. Wachter
Georgetown University Law Center, Simon Fraser University (SFU) - Finance Area and University of Pennsylvania - Wharton School, Department of Real Estate
Downloads 396 (95,692)
Citation 3

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Real estate, mortgages, financial regulation, reform, Dodd-Frank Act, mortgage-backed securities, lending models, credit risk information, securitized assets, information shrouding, underpricing, standardization, information asymmetry, risk pricing

37.

Priceless? The Economic Costs of Credit Card Merchant Restraints

UCLA Law Review, Vol. 55, p. 1321, 2008, Georgetown Law and Economics Research Paper No. 973974, Georgetown Public Law Research Paper No. 973974
Number of pages: 88 Posted: 06 Oct 2007 Last Revised: 01 Jul 2008
Adam J. Levitin
Georgetown University Law Center
Downloads 393 (96,560)

Abstract:

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credit cards, surcharges, discounts, no-surcharge rule, honor all cards, merchant restraints, debit cards, ATMs, interchange, merchant discount, cognitive bias, framing effect, price-fixing, MFN, MCC, monopolization, antitrust, tying, most favored nation, network effect, network externality

38.

Rough Justice? The Nature and Limits of Equitable Subordination

Number of pages: 39 Posted: 10 May 2006
Adam J. Levitin
Georgetown University Law Center
Downloads 385 (98,919)

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equitable subordination, remedy, standing, priority, bankruptcy, creditor, debtor, punitive, compensatory, equity, inequitable, trustee, debtor in possession, Enron, public adjudication, private adjudication

39.

Bankruptcy Law and the Cost of Credit: The Impact of Cramdown on Mortgage Interest Rates

Journal of Law and Economics, Vol. 57, No. 1, 2014, HKS Working Paper No. RWP12-037, Georgetown Law and Economics Research Paper No. 12-036
Number of pages: 25 Posted: 23 Aug 2012 Last Revised: 19 Nov 2013
Joshua Goodman and Adam J. Levitin
Brandeis University - Department of Economics and Georgetown University Law Center
Downloads 380 (100,415)
Citation 8

Abstract:

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bankruptcy law, cramdown, housing

40.

Priceless? Costs of Credit Card Merchant Restraints

Number of pages: 90 Posted: 10 Oct 2006
Adam J. Levitin
Georgetown University Law Center
Downloads 369 (103,818)
Citation 1

Abstract:

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credit cards, surcharges, discounts, no-surcharge rule, honor all cards, merchant restraints, debit cards, unbanked, subsidization, interchange, merchant discount, cognitive bias, framing effect, underestimation bias, spending restraint bias

41.

A Critique of Evans and Wright’s Study of the Consumer Financial Protection Agency Act

Georgetown Public Law Research Paper No. 1492471, Georgetown Business, Economics and Regulatory Policy Working Paper No. 1492471
Number of pages: 7 Posted: 21 Oct 2009 Last Revised: 11 Dec 2009
Adam J. Levitin
Georgetown University Law Center
Downloads 347 (111,187)
Citation 4

Abstract:

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Consumer Financial Protection Agency, consumer credit

42.

Badges of Opportunism: Principles for Policing Restructuring Support Agreements

Brooklyn Law School, Legal Studies Paper No. 629
Number of pages: 23 Posted: 30 Mar 2020 Last Revised: 01 Apr 2020
Edward J. Janger and Adam J. Levitin
Brooklyn Law School and Georgetown University Law Center
Downloads 337 (114,920)
Citation 1

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43.

Interchange Regulation: Implications for Credit Unions

Filene Research Institute Research Brief No. 224
Number of pages: 67 Posted: 18 Dec 2010
Adam J. Levitin
Georgetown University Law Center
Downloads 328 (118,359)

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Durbin Amendment, Interchange, Debit Card, Credit Card, Credit Union, Fraud, Multihoming

44.

Helping Homeowners: Modification of Mortgages in Bankruptcy

Harvard Law & Policy Review Online, Vol. 3, 2009
Number of pages: 9 Posted: 24 Jan 2009
Adam J. Levitin
Georgetown University Law Center
Downloads 310 (125,671)

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bankruptcy, mortgages, securitization, systemic risk, foreclosure

45.

The Fast and the Usurious: Putting the Brakes on Auto Lending Abuses

108 Georgetown Law Journal 1257-1330 (2020)
Number of pages: 74 Posted: 20 Aug 2019 Last Revised: 20 Apr 2020
Adam J. Levitin
Georgetown University Law Center
Downloads 302 (129,273)
Citation 3

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cars, automobiles, dealer reserve, dealer participation, dealer markup, disparate impact, discriminatory lending, loan packing, yo-yo scams, indirect lending, direct lending, right of rescission, spot delivery, aftermarket tying

46.

Private Disordering: Payment Card Fraud Liability Rules

Brooklyn Journal of Corporate, Financial and Commercial Law, Vol. 5, pp. 1-48, 2011, Georgetown Law and Economics Research Paper No. 11-06
Number of pages: 49 Posted: 08 Feb 2011 Last Revised: 10 Mar 2011
Adam J. Levitin
Georgetown University Law Center
Downloads 293 (133,463)

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Credit Card, Debit Card, EMV, Chip and PIN, Unauthorized, Fraud, Liability, Least Cost Avoider, Zero Liability Policy, PCI, PCI-DSS

47.

Rent-a-Bank: Bank Partnerships and the Evasion of Usury Laws

71 Duke Law Journal 329-417 (2021)
Number of pages: 89 Posted: 17 Sep 2020 Last Revised: 05 Nov 2021
Adam J. Levitin
Georgetown University Law Center
Downloads 274 (144,736)

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Rent-a-Bank, Usury, Bank Partnership, Valid-When-Made, True Lender, Madden, Elevate, World Business Lenders, Think Finance, Subprime Lending, Payday

48.

The Public Option in Housing Finance

46:4 UC Davis Law Review 1111-1173 (2013), U of Penn, Inst for Law & Econ Research Paper 11-34, Georgetown Public Law Research Paper No. 1966550, Georgetown Law and Economics Research Paper No. 1966550
Number of pages: 63 Posted: 13 Dec 2011 Last Revised: 19 May 2015
Adam J. Levitin and Susan M. Wachter
Georgetown University Law Center and University of Pennsylvania - Wharton School, Department of Real Estate
Downloads 266 (147,428)
Citation 2

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Real estate, mortgage, housing market, housing finance regulation, financial regulation, government intervention, government sponsored enterprises, public good, mortgage-backed securities, securitization, Great Depression, New Deal, HOLC, Fannie Mae, FHA, Freddie Mac, Dodd-Frank Act

49.

Mortgage Risk Premiums during the Housing Bubble

Journal of Real Estate Finance and Economics, Forthcoming
Number of pages: 51 Posted: 12 Dec 2017 Last Revised: 23 Oct 2020
Adam J. Levitin, Desen Lin and Susan M. Wachter
Georgetown University Law Center, Cal State Fullerton and University of Pennsylvania - Wharton School, Department of Real Estate
Downloads 263 (149,163)
Citation 3

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housing bubble, risk premium, securitization, private-label

50.

Second-Liens and the Leverage Option

Vanderbilt Law Review, Vol. 68, 2015, U of Penn, Inst for Law & Econ Research Paper No. 15-13
Number of pages: 45 Posted: 30 Jan 2015 Last Revised: 26 Mar 2015
Adam J. Levitin and Susan M. Wachter
Georgetown University Law Center and University of Pennsylvania - Wharton School, Department of Real Estate
Downloads 257 (152,634)
Citation 7

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second-lien, junior mortgage, leverage, loan-to-value, LTV, CLTV, embedded option

51.

Remote Deposit Capture: A Legal and Transactional Overview

Banking Law Journal, Vol. 126, pp. 115-122, 2009
Number of pages: 8 Posted: 25 Jan 2009
Adam J. Levitin
Georgetown University Law Center
Downloads 231 (169,337)

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remote deposit capture, RDC, checks, Check 21, fraud

52.

A Tale of Two Markets: Regulation and Innovation in Post-Crisis Mortgage and Structured Finance Markets

U of Penn, Inst for Law & Econ Research Paper No. 19-33 (2019), 2020:1 University of Illinois Law Review 47-122 (2020)
Number of pages: 76 Posted: 23 Aug 2019 Last Revised: 03 Sep 2020
William W. Bratton and Adam J. Levitin
University of Pennsylvania Carey Law School and Georgetown University Law Center
Downloads 225 (173,710)

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structured products, financial crisis, securitization, financial regulation, home mortgages

53.

Pandora's Digital Box: Digital Wallets and the Honor All Wallets Rules

Number of pages: 78 Posted: 08 Aug 2016
Adam J. Levitin
Georgetown University Law Center
Downloads 223 (175,211)
Citation 1

Abstract:

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digital wallets, mobile wallets, antitrust, vertical nonprice restraint, honor all wallets, honor all cards, tying, credit cards, debit cards, ACH, smart phones, EMV, Chip and PIN, tokenization, PCI

54.

The Problematic Case for Incentive Compensation in Bankruptcy

University of Pennsylvania Law Review, Vol. 156, pp. 88-101, 2007
Number of pages: 14 Posted: 13 Jan 2007
Adam J. Levitin
Georgetown University Law Center
Downloads 200 (193,906)

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bankruptcy, corporate governance, performance pay, incentive pay, incentive compensation, performance compensation, unsecured, debt, substantive consolidation, creditors' committee, valuation, residual owner, turnaround

55.

Public-Private Competition in Payments: The Role of the Federal Reserve

Georgetown Law and Economics Research Paper No. 1420061, Georgetown Public Law Research Paper No. 1420061
Number of pages: 23 Posted: 26 Jun 2009
Adam J. Levitin
Georgetown University Law Center
Downloads 193 (200,186)

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56.

The Credit C.A.R.D. Act: Opportunities and Challenges for Credit Unions

Filene Research Institute, Research Brief No. 202, 11/09, Georgetown Law and Economics Research Paper No. 10-09
Number of pages: 24 Posted: 04 Feb 2010 Last Revised: 16 Apr 2010
Adam J. Levitin
Georgetown University Law Center
Downloads 185 (207,953)

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credit cards, credit unions, credit C.A.R.D. Act, economies of scale

57.

Mortgage Market Sensitivity to Bankruptcy Modification

3rd Annual Conference on Empirical Legal Studies Papers
Number of pages: 49 Posted: 16 Apr 2008
Adam J. Levitin and Joshua Goodman
Georgetown University Law Center and Brandeis University - Department of Economics
Downloads 177 (216,037)
Citation 4

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bankruptcy modification, mortgage market

58.

Bankruptcy's Lorelei: the Dangerous Allure of Financial Institution Bankruptcy

North Carolina Law Review, Vol. 97, Forthcoming
Number of pages: 34 Posted: 17 Feb 2018 Last Revised: 22 Feb 2018
Adam J. Levitin
Georgetown University Law Center
Downloads 172 (221,442)

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systemic risk, bankruptcy, bank resolution, orderly liquidation authority, contingent convertible bonds, CAT bonds, too-big-to-fail, bailouts, DIP lending

59.

Foreword: The Crisis Without a Face: Emerging Narratives of the Financial Crisis

University of Miami Law Review, Vol. 63, pp. 999-1010, 2009
Number of pages: 13 Posted: 08 Feb 2011
Adam J. Levitin
Georgetown University Law Center
Downloads 166 (228,157)
Citation 1

Abstract:

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financial crisis, securitization, derivatives, narrative

60.

Rate-Jacking: Risk-Based and Opportunistic Pricing in Credit Cards

Utah Law Review, No. 2, p. 339, 2011, Georgetown Law and Economics Research Paper No. 11-28, Georgetown Public Law Research Paper No. 11-136
Number of pages: 30 Posted: 20 Nov 2011 Last Revised: 25 Apr 2012
Adam J. Levitin
Georgetown University Law Center
Downloads 155 (241,647)
Citation 2

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credit cards, Credit CARD Act, risk-based pricing, opportunistic pricing, shrouded pricing, double-cycle billing, residual interest, float, securitization, static pool, revolver, transactor

61.

One Dollar, One Vote: Mark-to-Market Governance in Bankruptcy

Iowa Law Review, Vol. 104, p.1857 (2019), Brooklyn Law School, Legal Studies Paper No. 567
Number of pages: 65 Posted: 17 Sep 2018 Last Revised: 26 Jun 2019
Edward J. Janger and Adam J. Levitin
Brooklyn Law School and Georgetown University Law Center
Downloads 143 (258,033)

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62.

Redesigning Education Finance: How Student Loans Outgrew the 'Debt' Paradigm

Georgetown Law Journal, Vol. 109, pp. 5-80 (2020)
Number of pages: 76 Posted: 01 Apr 2020 Last Revised: 05 Nov 2020
John R. Brooks and Adam J. Levitin
Georgetown University Law Center and Georgetown University Law Center
Downloads 139 (263,897)

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student loans, higher education, tax, debt, income-driven repayment

63.

The Proceduralist Inversion – A Response to Skeel

Yale Law Journal Forum Vol.130, p. 335, 2020, Brooklyn Law School, Legal Studies Paper No. 650
Number of pages: 22 Posted: 11 Dec 2020
Edward J. Janger and Adam J. Levitin
Brooklyn Law School and Georgetown University Law Center
Downloads 132 (274,691)

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64.

Considering Law and Macroeconomics

Law and Contemporary Problems, Forthcoming
Number of pages: 17 Posted: 06 Apr 2020
Anna Gelpern and Adam J. Levitin
Georgetown University Law Center and Georgetown University Law Center
Downloads 131 (276,216)

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macroeconomics, political economy, financial stability, financial crisis, regulation, countercyclical regulation

65.

The Faulty Foundation of the Draft Restatement of Consumer Contracts

36 Yale Journal on Regulation 447 (2019), Loyola Law School, Los Angeles Legal Studies Research Paper No. 2019-03, California Western School of Law Research Paper No. 19-3
Number of pages: 24 Posted: 08 Feb 2019
Georgetown University Law Center, Chicago-Kent College of Law - Illinois Institute of Technology, Mitchell Hamline School of Law, University of Houston Law Center, Boston College Law School, Widener University - Commonwealth Law School, National Consumer Law Center and Loyola Law School Los Angeles
Downloads 118 (298,219)

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66.

Judge Shopping and the Corruption of Chapter 11

Number of pages: 70 Posted: 02 Sep 2021 Last Revised: 03 Sep 2021
Adam J. Levitin
Georgetown University Law Center
Downloads 116 (301,890)

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bankruptcy, venue, forum-shopping, judge picking, prepacks

67.

'Abusive' Acts and Practices: Towards a Definition?

Number of pages: 53 Posted: 25 Jun 2019
Adam J. Levitin
Georgetown University Law Center
Downloads 116 (301,890)
Citation 1

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CFPB, UDAAP, UDAP, Abusive, Unfair, Deceptive, Consumer Finance, Behavioral Economics, Household Finance, Predatory Lending

68.

Rethinking Duties to Serve in Housing Finance

Homeownership Built to Last: Lessons from the Housing Crisis on Sustaining Homeownership for Low-Income and Minority Families (Brookings, 2014)
Number of pages: 41 Posted: 08 Feb 2014
Adam J. Levitin and Janneke Ratcliffe
Georgetown University Law Center and University of North Carolina (UNC) at Chapel Hill
Downloads 116 (301,890)

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Community Reinvestment Act, Affordable Housing Goals, Fannie Mae, Freddie Mac, GSEs, Federal Home Loan Banks, homeownership, common carrier, duties to serve, access to credit

69.

Prioritization and Mutualization: Clearinghouses and the Redundancy of the Bankruptcy Safe Harbors

10 Brooklyn Journal of Corporate, Financial, and Commercial Law (2015), Forthcoming
Number of pages: 25 Posted: 26 May 2015
Adam J. Levitin
Georgetown University Law Center
Downloads 111 (311,422)

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clearinghouse, bankruptcy safe harbor, automatic stay, avoidance actions, mutualization, prioritization, derivatives, repo, systemic risk, swaps

70.

Back to the Future with Chapter 13: A Response to Professor Scarberry

Pepperdine Law Review, Forthcoming, Georgetown Public Law Research Paper No. 10-05, Georgetown Law and Economics Research Paper No. 10-03
Number of pages: 17 Posted: 12 Jan 2010 Last Revised: 01 Mar 2010
Adam J. Levitin
Georgetown University Law Center
Downloads 110 (313,408)

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bankruptcy, cramdown, mortgage modification, cramdown, Chapter XIII, Chapter 13, Chapter XII, Williams v. Walker-Thomas, secured credit, Scarberry, foreclosure

71.

The Law of the Middle Class: Consumer Finance in the Law School Curriculum

Loyola Consumer Law Review, Vol. 32, 2019
Number of pages: 18 Posted: 15 Feb 2019
Adam J. Levitin
Georgetown University Law Center
Downloads 98 (338,433)

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Middle Class, Consumer Finance, CFPB, Consumer Financial Protection Bureau, Credit, Payments, Financial Data

72.

Overdraft Regulation: Is There a Silver Lining for Credit Unions?

Filene Research Institute Research Brief No. 211 , Georgetown Law and Economics Research Paper No. 10-15
Number of pages: 36 Posted: 17 Jul 2010
Adam J. Levitin
Georgetown University Law Center
Downloads 90 (357,238)

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credit union, overdraft, payday, credit cards, Reg E

73.

Brief of Amici Curiae Consumer Financial Regulation Scholars in Support of Plaintiff-Appellant Leandra English, English v. Trump, No. 18-5007 (D.C. Cir.)

Number of pages: 46 Posted: 12 Feb 2018
Georgetown University Law Center, Boston College Law School, Suffolk University Law School and University of California, Irvine School of Law
Downloads 84 (372,717)

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Consumer Financial Protection Bureau, succession, agency independence

74.

Amicus Curiae Brief to the Supreme Court of the United States Regarding Underwater Second-Lien Mortgages (Bank of America v. Caulkett & Bank of America v. Toledo-Cardona)

Number of pages: 56 Posted: 26 Feb 2015
Michael T. Kirkpatrick and Adam J. Levitin
Georgetown University - Institute for Public Representation and Georgetown University Law Center
Downloads 75 (397,941)

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mortgage, bankruptcy, lien-stripping, cramdown, second-lien, junior-lien, negative equity

75.

No More Bailouts: A Blueprint for a Standing Emergency Economic Resilience and Stabilization Program

Roosevelt Institution Great Democracy Initiative Report, June 2020
Number of pages: 45 Posted: 01 Sep 2020
Adam J. Levitin, Lindsay A. Owens and Ganesh Sitaraman
Georgetown University Law Center, Stanford University - Department of Sociology, Center for the Study of Poverty and Inequality and Vanderbilt Law School
Downloads 65 (429,819)

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bailouts, resolution, bankruptcy, automatic stabilizers, FedAccounts, Direct Express, cramdown,

76.

Analysis of the Taxpayer Protection and Responsible Resolution Act of 2018 (Chapter 14 Financial Institution Bankruptcy Proposal)

Number of pages: 7 Posted: 12 Dec 2018
Adam J. Levitin
Georgetown University Law Center
Downloads 56 (462,179)
Citation 1

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Financial institutions bankruptcy, SPOE, single-point-of-entry, Chapter 14, QFC

77.

The Spurious Pedigree of the 'Valid-When-Made' Doctrine

Duke Law Journal Online, Forthcoming
Number of pages: 20 Posted: 10 Aug 2021
Adam J. Levitin
Georgetown University Law Center
Downloads 19 (657,596)

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valid-when-made, usury, Madden, rent-a-bank, bank partnership, assignments, stand-in-the-shoes