Cassandra Havard

University of Baltimore - School of Law

1420 N. Charles Street

Baltimore, MD 21218

United States

SCHOLARLY PAPERS

12

DOWNLOADS
Rank 38,909

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Top 38,909

in Total Papers Downloads

1,095

CITATIONS

5

Scholarly Papers (12)

1.

Back to the Parent: Holding Company Liability for Subsidiary Banks - A Discussion of the Net Worth Maintenance Agreement, the Source of Strength Doctrine, and the Prompt Corrective Action Provision

Cardozo Law Review, Vol. 16, No. 6, 1995, University of Baltimore School of Law Legal Studies Research Paper
Number of pages: 61 Posted: 10 May 2009 Last Revised: 04 Oct 2016
Cassandra Havard
University of Baltimore - School of Law
Downloads 202 (149,565)

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parent companies, FDIC, federal deposit insurance fund, banking subsidiaries, multibank holding companies, insolvency, Federal Reserve Bank, regulatory agencies

2.

'Goin' Round in Circles' . . . And Letting the Bad Loans Win - When Subprime Lending Fails Borrowers: The Need for Uniform Broker Regulation

Nebraska Law Review, Vol. 86, No. 4, p. 737, 2008, University of Baltimore School of Law Legal Studies Research Paper No. 2009-8
Number of pages: 60 Posted: 16 Jan 2009 Last Revised: 02 Feb 2009
Cassandra Havard
University of Baltimore - School of Law
Downloads 146 (198,755)

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mortgage brokers, regulation, sub-prime loans, fiduciary duty, predatory lending

3.

Funny Money: How Federal Education Funding Hurts Poor and Minority Students

Temple Political & Civil Rights Law Review, Vol. 19, No. 1, 2009, University of Baltimore School of Law Legal Studies Research Paper, Forthcoming
Number of pages: 26 Posted: 14 May 2010
Cassandra Havard
University of Baltimore - School of Law
Downloads 116 (237,732)

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Education, Funding, Title I, Minority Students, Disadvantaged Youth, Children, Federal Education Funds, Elementary And Secondary School Act Of 1965 (ESEA), No Child Left Behind Act (NCLB), Poor, High-Poverty Schools

4.

To Lend or Not to Lend: What the CRA Ought to Say About Sub-Prime and Predatory Lending

Florida Coastal Law Review, Vol. 7, No. 1, 2005
Number of pages: 35 Posted: 16 Jan 2009
Cassandra Havard
University of Baltimore - School of Law
Downloads 105 (255,125)

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credit, sub-prime market, predatory lending, financial services industry, CRA, Community Reinvestment Act, HOEPA, discrimination

5.

Reconciling the Dormant Conflict: Crafting a Banking Exception to the Fraudulent Conveyance Provision of the Bankruptcy Code for Bank Holding Company Asset Transfers

Denver University Law Review, Vol. 75, No. 1, 1997
Number of pages: 49 Posted: 07 May 2009
Cassandra Havard
University of Baltimore - School of Law
Downloads 90 (282,273)

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banking law, bankruptcy law, insolvency, subsidiaries, bank holding companies, fraudulent conveyances, BNEC, financial institutions, Federal Deposit Insurance Fund

6.

Advancing the CRA - Using the CRA's Strategic Plan Option to Promote Community Inclusion: The CRA and Community Inclusion

Western New England Law Review, Vol. 29, No. 1, 2006
Number of pages: 22 Posted: 26 Feb 2009
Cassandra Havard
University of Baltimore - School of Law
Downloads 88 (286,332)

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banks, banking regulations, community organizations, CRA, Community Reinvestment Act, loans, lending institutions, credit, investment capital, community participation

7.

'On the Take': The Black Box of Credit Scoring and Mortgage Discrimination

Boston University Public Interest Law Journal, Vol. 20, No. 2, pp,. 241-287, Spring 2011
Number of pages: 48 Posted: 19 Nov 2010 Last Revised: 01 Dec 2011
Cassandra Havard
University of Baltimore - School of Law
Downloads 79 (305,836)
Citation 2

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credit scoring, risk-based pricing, subprime mortgages, exclusionary practices, mortgage lending, subprime borrowers, minority borrowers, risk-based interest rate, lending disparities, regulatory failure, economic disadvantage

8.

Democratizing Credit: Examining the Structural Inequities of Subprime Lending

Syracuse Law Review, Vol. 45, p. 233, 2006
Number of pages: 46 Posted: 04 Feb 2009
Cassandra Havard
University of Baltimore - School of Law
Downloads 68 (332,836)

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mortgage lending, pricing strategies, fair lending laws, disclosure, lender abuse

9.

Public Land Banking and Mount Laurel II - Can There Be a Symbiotic Relationship?

Rutgers Law Journal Vol. 15, No. 3, 1984
Number of pages: 25 Posted: 09 May 2009
Cassandra Havard
University of Baltimore - School of Law
Downloads 58 (360,784)

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Southern Burlington County NAACP v. Township of Mount Laurel, municipal land banks, fiscal zoning ordinances, low-income families, moderate-income families, fair housing, local governments

10.

African-American Farmers and Fair Lending: Racializing Rural Economic Space

Stanford Law & Policy Review, Vol. 12, p. 333, 2001
Number of pages: 29 Posted: 17 Jan 2009
Cassandra Havard
University of Baltimore - School of Law
Downloads 54 (373,366)

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African-American farmers, credit, U.S. Department of Agriculture, discriminatory lending

11.

Synergy and Friction - The CRA, BHCs, the SBA, and Community Development Lending

Kentucky Law Journal, Vol. 86, p. 617, 1997-1998
Number of pages: 59 Posted: 17 Jan 2009
Cassandra Havard
University of Baltimore - School of Law
Downloads 50 (386,328)

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credit, capital, community businesses, Small Business Administration, Community Reinvestment Act, CDBFIA, banking, financial institutions,

12.

Invisible Markets Netting Visible Results: When Sub-Prime Lending Becomes Predatory

Oklahoma City University Law Review, Vol. 26, 2001
Number of pages: 26 Posted: 18 Jan 2009
Cassandra Havard
University of Baltimore - School of Law
Downloads 39 (426,238)

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minorities, social invisibility, credit, fair access, predatory lending, high interest rates, risk, fair pricing

Other Papers (1)

Total Downloads: 4
1.

Banking on Those Who Don't

The Sun (Baltimore, MD), March 13, 2014.
Number of pages: 2 Posted: 20 Mar 2014 Last Revised: 15 Jul 2014
Cassandra Havard
University of Baltimore - School of Law
Downloads 4

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financial services, private banks, U.S. Postal Service, post office, banking services, consumers