Howell E. Jackson

Harvard Law School

James S. Reid, Jr. Professor of Law

Griswald 402

1563 Massachusetts Avenue

Cambridge, MA 02138

United States

  • Harvard Law School

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    • Tel: 617-495-5466
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SCHOLARLY PAPERS

47

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187

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83

Scholarly Papers (47)

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1.

Public and Private Enforcement of Securities Laws: Resource-Based Evidence

Journal of Financial Economics (JFE), Vol. 93, 2009, Harvard Public Law Working Paper No. 0-28, Harvard Law and Economics Discussion Paper No. 638
Number of pages: 55 Posted: 11 Jul 2007 Last Revised: 13 Jan 2015
Howell E. Jackson and Mark J. Roe
Harvard Law School and Harvard Law School
Downloads 4,621 (3,659)
Citation 100

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investor protection, public enforcement, private enforcement, securities regulation

2.

The Regulation of Consumer Financial Products: An Introductory Essay with Four Case Studies

HKS Working Paper No. RWP10-40
Number of pages: 52 Posted: 27 Jul 2010 Last Revised: 16 Dec 2010
John Y. Campbell, Howell E. Jackson, Brigitte C. Madrian and Peter Tufano
Harvard University - Department of Economics, Harvard Law School, Brigham Young University Marriott School of Business and Harvard Business School
Downloads 2,013 (14,026)
Citation 25

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Consumer Finance, Mortgages, Payday Lending, Retirement Savings, Mutual Funds, Financial Regulation, Bureau of Consumer Financial Protection

3.

Markets as Regulators: A Survey

Southern California Law Review, Vol. 80, p. 1239, 2007
Number of pages: 144 Posted: 31 Jan 2007 Last Revised: 28 Jan 2009
Stavros Gadinis and Howell E. Jackson
University of California, Berkeley - School of Law and Harvard Law School
Downloads 1,968 (14,545)
Citation 11

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4.

The Role of Credit Rating Agencies in the Establishment of Capital Standards for Financial Institutions in a Global Economy

Number of pages: 20 Posted: 15 Nov 2000
Howell E. Jackson
Harvard Law School
Downloads 1,875 (15,674)
Citation 5

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5.

Variation in the Intensity of Financial Regulation: Preliminary Evidence and Potential Implications

Harvard Law and Economics Discussion Paper No. 521, Yale Journal on Regulation, Vol. 24, No. 2, 2007
Number of pages: 21 Posted: 31 Oct 2005 Last Revised: 13 Jan 2015
Howell E. Jackson
Harvard Law School
Downloads 1,351 (25,851)
Citation 22

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6.

A Pragmatic Approach to the Phased Consolidation of Financial Regulation in the United States

Harvard Public Law Working Paper No. 09-19
Number of pages: 64 Posted: 13 Nov 2008 Last Revised: 13 Jan 2015
Howell E. Jackson
Harvard Law School
Downloads 1,052 (37,161)
Citation 4

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Financial Regulation, Financial Institutions, Systemic Risk, Consolidated Supervision

7.

Regulatory Competition in International Securities Markets: Evidence from Europe in 1999 ? Part I

Business Lawyer, Vol. 56, p. 653, February 2001
Number of pages: 44 Posted: 06 Apr 2001 Last Revised: 09 Dec 2008
Howell E. Jackson and Eric J. Pan
Harvard Law School and Columbia University - Center for Law and Economic Studies
Downloads 1,042 (37,657)
Citation 9

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8.

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

Financial Regulation: Law and Policy, Foundation Press, May 2016, U of Michigan Law & Econ Research Paper No. 16-014, U of Michigan Public Law Research Paper No. 507, Harvard Public Law Working Paper No. 16-34
Number of pages: 30 Posted: 15 May 2016 Last Revised: 23 Jun 2016
Michael S. Barr, Howell E. Jackson and Margaret E. Tahyar
University of Michigan Law School, Harvard Law School and Davis Polk & Wardwell LLP
Downloads 990 (40,496)

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

9.

The Financial Response to the COVID-19 Pandemic

U of Michigan Law & Econ Research Paper No. 20-040
Number of pages: 33 Posted: 06 Aug 2020 Last Revised: 09 Jun 2021
Michael S. Barr, Howell E. Jackson and Margaret E. Tahyar
University of Michigan Law School, Harvard Law School and Davis Polk & Wardwell LLP
Downloads 972 (41,500)
Citation 3

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

10.

An American Perspective on the U.K. Financial Services Authority: Politics, Goals & Regulatory Intensity

Harvard Law and Economics Discussion Paper No. 522
Number of pages: 47 Posted: 31 Oct 2005
Howell E. Jackson
Harvard Law School
Downloads 896 (46,473)
Citation 7

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11.

Regulation in a Multi-Sectored Financial Services Industry: An Exploratory Essay

Harvard Law School Discussion Paper No. 258
Number of pages: 117 Posted: 31 May 1999 Last Revised: 18 Jan 2009
Howell E. Jackson
Harvard Law School
Downloads 894 (46,623)
Citation 5

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12.

Retiree Out-of-Pocket Healthcare Spending: A Study of Consumer Expectations and Policy Implications

American Journal of Law and Medicine, Vol. 39, No. 1, 2013, UCLA School of Law, Law-Econ Research Paper No. 13-04, Harvard Public Law Working Paper No. 13-14
Number of pages: 73 Posted: 11 Feb 2013 Last Revised: 08 Jun 2013
Allison K. Hoffman and Howell E. Jackson
University of Pennsylvania Carey Law School and Harvard Law School
Downloads 828 (51,851)

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health law, health policy, Medicare, out-of-pocket costs, financial literacy, Medicare reform, health insurance

13.

Regulatory Competition in International Securities Markets: Evidence from Europe - Part II

Cardozo Legal Studies Research Paper No. 247, Virginia Law & Business Review, Vol. 3, No. 2, p. 207, 2008
Number of pages: 68 Posted: 02 Dec 2008 Last Revised: 13 Jan 2015
Eric J. Pan and Howell E. Jackson
Columbia University - Center for Law and Economic Studies and Harvard Law School
Downloads 731 (61,244)

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securities regulation, international finance, securities offerings, cross-border listing, Rule 144A, American Depositary Receipts, capital markets competitiveness

14.

Loan-Level Disclosure in Securitization Transactions: A Problem with Three Dimensions

Harvard Public Law Working Paper No. 10-40
Number of pages: 31 Posted: 27 Jul 2010 Last Revised: 17 Sep 2010
Howell E. Jackson
Harvard Law School
Downloads 631 (73,966)
Citation 3

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Securitization, Asset Back Securities, HMDA, Anti-Discrimation, Mortgages, Risk Retention, Dodd-Frank Wall Street Reform, Consumer Protection Act

15.

The Law and Economics of Soft Dollars: A Review of the Literature and Evidence from MiFID II

Review of Banking and Financial Law, Forthcoming
Number of pages: 66 Posted: 24 Aug 2020 Last Revised: 08 Feb 2023
Howell E. Jackson and Jeffery Y. Zhang
Harvard Law School and University of Michigan Law School
Downloads 623 (75,153)

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Soft Dollars, MiFID II, Bundled Commissions, Fiduciary Duties, Securities Regulation, Global Capital Markets, Institutional Investors

16.

The Trilateral Dilemma in Financial Regulation

IMPROVING THE EFFECTIVENESS OF FINANCIAL EDUCATION AND SAVINGS PROGRAMS, Anna Maria Lusardi, ed., University of Chicago Press, 2008, Harvard Public Law Working Paper No. 08-58
Number of pages: 54 Posted: 09 Dec 2008 Last Revised: 13 Jan 2015
Howell E. Jackson
Harvard Law School
Downloads 619 (75,716)

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financial institutions, agency costs, mortgage lending, predatory lending, student loans, mutual funds, pension plans, insurance companies, securities firms

17.

Protecting Financial Stability: Lessons from the Coronavirus Pandemic

Duke Law School Public Law & Legal Theory Series No. 2020-39, Harvard Business Law Review, Forthcoming
Number of pages: 55 Posted: 10 Jul 2020 Last Revised: 17 Oct 2020
Howell E. Jackson and Steven L. Schwarcz
Harvard Law School and Duke University School of Law
Downloads 607 (77,609)
Citation 2

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Systemic Risk, Pandemics, Macroprudential Regulation, Financial Regulation, Public Health Policy

18.

Accounting for Social Security and its Reform

Number of pages: 130 Posted: 17 Oct 2003
Howell E. Jackson
Harvard Law School
Downloads 599 (78,903)
Citation 15

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Social Security, accounting, federal budget, pensions, FASAB

19.

A Report on the Transatlantic Financial Services Regulatory Dialogue

Harvard Law and Economics Discussion Paper No. 576
Number of pages: 35 Posted: 06 Feb 2007
Kern Alexander, Eilis Ferran, Howell E. Jackson and Niamh Moloney
European University Institute and University of Zurich, University of Cambridge - Faculty of Law, Harvard Law School and London School of Economics - Law School
Downloads 526 (92,827)
Citation 3

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20.

Pandemics and Systemic Financial Risk

Duke Law School Public Law & Legal Theory Series No. 2020-26
Number of pages: 61 Posted: 20 Apr 2020
Howell E. Jackson and Steven L. Schwarcz
Harvard Law School and Duke University School of Law
Downloads 513 (95,688)
Citation 1

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Systemic Risk, Pandemics, Macroprudential Regulation, Financial Regulation, Public Health Policy

21.

Final Report of the Securities Law Subcommittee of the Task Force on Extraterritorial Jurisdiction of the International Bar Association

Number of pages: 35 Posted: 21 Mar 2008 Last Revised: 23 Nov 2010
Margaret E. Tahyar, Jaap Willeumier, Eric J. Pan, Howell E. Jackson and Eilis Ferran
Davis Polk & Wardwell LLP, Stibbe, Columbia University - Center for Law and Economic Studies, Harvard Law School and University of Cambridge - Faculty of Law
Downloads 424 (120,127)
Citation 4

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Securities regulation, mutual recognition, international finance, extraterritorial

22.

The Resolution of Distressed Financial Conglomerates

Russell Sage Foundation Journal of the Social Sciences, Vol. 3, Issue 1, 2017, Harvard Public Law Working Paper No. 17-14
Number of pages: 25 Posted: 07 Feb 2017 Last Revised: 25 May 2017
Howell E. Jackson and Stephanie Massman
Harvard Law School and affiliation not provided to SSRN
Downloads 411 (124,495)
Citation 2

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Financial Conglomerates, Single Point of Entry, Orderly Liquidation Authority, Dodd-Frank Act, Financial Regulation

23.

Foreign Trading Screens in the United States

Capital Markets Law Journal, Vol. 1, pp. 54-76, 2006, Harvard Law and Economics Discussion Paper No. 549
Number of pages: 23 Posted: 31 Jul 2006 Last Revised: 24 Apr 2015
Howell E. Jackson, Andreas Martin Fleckner and Mark Gurevich
Harvard Law School, Humboldt University of Berlin - Faculty of Law and Ropes & Gray
Downloads 402 (127,710)

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stock exchange, trading screen, securities trading, internationalization, state intervention, protectionism, legal harmonization

24.

Fiduciary Law in Financial Regulation

Harvard Public Law Working Paper No. 18-24, The Oxford Handbook on Fiduciary Law (Evan J. Criddle, Paul B. Miller & Robert H. Sitkoff eds., OUP 2019)
Number of pages: 20 Posted: 04 May 2018 Last Revised: 29 Jul 2020
Howell E. Jackson and Talia B. Gillis
Harvard Law School and Columbia Law School
Downloads 380 (136,104)

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fiduciary duties, fiduciary law, financial regulation, broker-dealer, banking, insurance, securities, ERISA, agency, disclosure, codification

25.

'Nobody is Proud of Soft Dollars': The Impact of MiFID II on U.S. Financial Markets

Journal of Financial Regulation, Forthcoming
Number of pages: 91 Posted: 25 Feb 2023 Last Revised: 06 Mar 2023
Howell E. Jackson and Jeffery Y. Zhang
Harvard Law School and University of Michigan Law School
Downloads 364 (142,748)

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Soft Dollars, MiFID II, Unbundling of Commissions, Securities Regulation, Securities and Exchange Commission, Investor Protection, Public Goods, Global Financial Firms, Sell-Side Research, Corporate Access

26.

Lobbyists as Imperfect Agents: Implications for Public Policy in a Pluralist System

Harvard Public Law Working Paper No. 09-12
Number of pages: 27 Posted: 23 Jan 2009 Last Revised: 31 Jul 2009
Matthew Stephenson and Howell E. Jackson
Harvard Law School and Harvard Law School
Downloads 361 (144,058)
Citation 4

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administrative, law, public, policy, lobby, lobbyist, interest group

27.

Kickbacks or Compensation: The Case of Yield Spread Premiums

Stanford Journal of Law, Business & Finance, Vol. 12, p. 289, 2007
Number of pages: 73 Posted: 19 Feb 2009 Last Revised: 03 Mar 2009
Laurie Burlingame and Howell E. Jackson
affiliation not provided to SSRN and Harvard Law School
Downloads 350 (148,969)
Citation 6

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Mortgage, broker, yield spread premium, agency costs, RESPA

28.

Learning from Eddy: A Meditation Upon Organizational Reform of Financial Supervision in Europe

Harvard Public Law Working Paper No. 09-17
Number of pages: 29 Posted: 12 Jan 2009 Last Revised: 13 Jan 2015
Howell E. Jackson
Harvard Law School
Downloads 350 (148,969)

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Financial Regulation, Consolidated Supervision, European Union, Regulatory Reform

29.

Private and Public Enforcement of Securities Regulation

Oxford Handbook of Corporate Law and Governance (2018) (Jeffrey N. Gordon and Wolf-Georg Ringe, eds.)
Number of pages: 15 Posted: 08 Feb 2017 Last Revised: 20 Jul 2021
Howell E. Jackson and Jeffery Y. Zhang
Harvard Law School and University of Michigan Law School
Downloads 346 (150,803)
Citation 3

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private enforcement, public enforcement, securities, regulation, capital markets, enforcement intensity, regulatory reform, banking, financial stability, Securities and Exchange Commission

30.

The Analysis of Benefits in Consumer Protection Regulation

Harvard Business Law Review, Vol. 9, Page 199, 2019, Consumer Financial Protection Bureau Office of Research Working Paper No. 2020-01
Number of pages: 126 Posted: 24 Aug 2020
Howell E. Jackson and Paul Rothstein
Harvard Law School and Consumer Financial Protection Bureau
Downloads 331 (158,124)

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Cost Benefit Analysis, Consumer Protection, Financial Regulation, Consumer Financial Protection Bureau,Administrative Law

31.

Accounting for Social Security Benefits

Harvard Law and Economics Discussion Paper No. 520
Number of pages: 57 Posted: 31 Oct 2005
Howell E. Jackson
Harvard Law School
Downloads 326 (160,778)
Citation 6

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32.

The Selective Incorporation of Foreign Legal Systems to Promote Nepal as an an International Financial Services Center

Harvard Law School, John M. Olin Center for Law, Economics, and Business, Discussion Paper No. 241
Number of pages: 57 Posted: 22 Jan 1999
Howell E. Jackson
Harvard Law School
Downloads 284 (185,768)
Citation 2

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33.

The Nature of the Fintech Firm and its Implications for Financial Regulation

Number of pages: 18 Posted: 24 Aug 2020
Howell E. Jackson
Harvard Law School
Downloads 260 (203,026)

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Fintech, Financial Regulation, Consumer Protection, Consumer Finance, Investor Protection, Systemic Risk, Regulatory Design

34.

A Public Option for Employer Health Plans

U of Penn Law School, Public Law Research Paper No. 21-12, Harvard Public Law Working Paper No. 21-19
Number of pages: 49 Posted: 23 Feb 2021 Last Revised: 11 Jun 2021
Allison K. Hoffman, Howell E. Jackson and Amy Monahan
University of Pennsylvania Carey Law School, Harvard Law School and University of Minnesota Law School
Downloads 202 (258,371)

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health reform, employer-provided health insurance, public option, Medicare for All

35.

Essay: Sticky Seconds - The Problems Second Liens Pose to the Resolution of Distressed Mortgages

NYU Law and Economics Research Paper No. 12-21
Number of pages: 38 Posted: 25 Aug 2012
Vicki Been, Howell E. Jackson and Mark A. Willis
New York University School of Law, Harvard Law School and New York University (NYU)
Downloads 180 (286,289)
Citation 8

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36.

Counting the Ways: The Structure of Federal Spending

Harvard Law and Economics Discussion Paper No. 583
Number of pages: 43 Posted: 08 May 2007
Howell E. Jackson
Harvard Law School
Downloads 167 (305,464)

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37.

How We Can Regulate Stablecoins Now—Without Congressional Action

Number of pages: 35 Posted: 23 Sep 2022
Howell E. Jackson, Timothy G. Massad and Dan Awrey
Harvard Law School, Independent and Cornell Law SchoolEuropean Corporate Governance Institute
Downloads 156 (323,646)

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Stablecoins, Banking Regulation, Payments, Digital Assets, Federal Banking Regulators, FSOC, Cryptocurrencies

38.

A System of Fiduciary Protections for Mutual Funds

Number of pages: 21 Posted: 24 Aug 2020
Howell E. Jackson
Harvard Law School
Downloads 147 (339,855)

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Mutual Funds, Fiduciary Duties, Financial Regulation, Investor Protections, Consumer Finance, Disclosure

39.

The 2011 Debt Ceiling Impasse Revisited

Is U.S. Government Debt Different? (2012) (Franklin Allen, et al., eds)
Number of pages: 82 Posted: 28 Aug 2017
Howell E. Jackson
Harvard Law School
Downloads 138 (357,192)

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Debt Ceiling, Fiscal Policy, Default, U.S. Government Debt

40.

Can States Tax National Banks to Educate Consumers About Predatory Lending Practices?

Harvard Law and Economics Discussion Paper No. 577
Number of pages: 54 Posted: 06 Feb 2007
Howell E. Jackson and Stacy A. Anderson
Harvard Law School and affiliation not provided to SSRN
Downloads 134 (365,394)

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41.

Could We Invest the Surplus?

Number of pages: 5 Posted: 06 Apr 2001
Howell E. Jackson
Harvard Law School
Downloads 100 (452,734)
Citation 1

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42.

How to Improve Regulation of Crypto Today—Without Congressional Action—and Make the Industry Pay For It

Hutchins Center Working Paper #79
Number of pages: 27 Posted: 25 Feb 2023
Timothy G. Massad and Howell E. Jackson
Independent and Harvard Law School
Downloads 75 (540,482)

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digital assets, crypto-currency, Securities and Exchange Commission, Commodities Futures Trading Commission, self-regulatory organizations, FINRA, NFA

43.

Understanding and Improving Financial Literacy With Respect to Healthcare Expenditures in Retirement

Number of pages: 80 Posted: 17 Jul 2012 Last Revised: 13 Aug 2020
Allison K. Hoffman and Howell E. Jackson
University of Pennsylvania Carey Law School and Harvard Law School
Downloads 42 (710,568)

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44.

The Treasury Option: How the US Can Achieve the Financial Inclusion Benefits of a CBDC Now

Posted: 19 Sep 2022
Howell E. Jackson and Timothy G. Massad
Harvard Law School and Independent

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Central Bank Digital Currency, Treasury Department, Financial Inclusion, federal benefits, permanent appropriation

45.

Transatlantic Financial Services Regulatory Dialogue

European Business Organization Law Review (EBOR), Vol. 7, 2006
Posted: 19 Feb 2007
Kern Alexander, Eilis Ferran, Howell E. Jackson and Niamh Moloney
European University Institute and University of Zurich, University of Cambridge - Faculty of Law, Harvard Law School and London School of Economics - Law School

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financial markets, regulation, European Union, Transatlantic, Dialogue, cross-border services

46.

Regulatory Problems in Privatizing Social Security

Posted: 22 Feb 1999
Howell E. Jackson
Harvard Law School

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47.

The Regulation of Financial Holding Companies

New Palgrave Dictionary of Economics and the Law (Peter Newman, Ed.), May 1998
Posted: 11 Jan 1998
Howell E. Jackson
Harvard Law School

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