Agenda for Symposium on Consumer Credit in America

Friday 9/30

**Shuttles will be available to take participants from the hotel to the school**

7:30am – 8:15am Continental Breakfast catered by De Novo

8:15am Introduction to Symposium (Foohey, Hawkins, and Johnson)

8:30am – 10:00am Panel 1: Consumer Credit and the Consumer Financial Protection Bureau

• Moderator: Pamela Foohey
• Christopher Peterson, SJ Quinney College of Law, University of Utah
The CFPB’s Power to Regulate “Abusive” Financial Products
Angela Littwin, University of Texas School of Law
Examination as a Method of Consumer Protection

Nick Bourke, The Pew Charitable Trusts
The CFPB’s Proposed Payday Loan Regulations Would Leave Consumers Vulnerable

Understanding the CFPB Proposal for Payday and Other Small Loans
Pamela Foohey, Indiana University Maurer School of Law
Calling on the CFPB for Help: Telling Stories and Consumer Protection

10:15am – 10:30am Break

10:30am – 12:00 Panel 2: The Aftermath of Consumer Indebtedness

• Moderator: Creola Johnson
Creola Johnson, The Ohio State University Moritz College of Law
Creditors Cross the Line From Debt Collecting to Committing Extortion When they Criminalize Consumers Who Cannot Pay Civil Debts

Richard Hynes, University of Virginia School of Law
“Maximum Possible Accuracy” in Credit Reports

Breno Braga, The Urban Institute
Local Conditions and Debt in Collections

Michael Sousa, Sturm College of Law – University of Denver
Legal Consciousness Among Consumer Debtors

12:00 – 1:00pm Boxed Lunches catered by De Novo

1:00pm – 2:30pm  Panel 3: Protecting Consumers from Confusion and Manipulation

• Moderator: Jim Hawkins
Jim Hawkins, University of Houston Law Center
Exploiting Advertising

David Friedman, Willamette University College of Law
Mediated Reputation Systems

Rory Van-Loo, Boston University School of Law
Rise of the Digital Regulator

• Lauren Willis, Loyola Law School, Los Angeles
Customer Confusion and Consequences: Audits in Consent Decrees

2:30pm – 2:45pm Break

2:45pm – 3:55pm   Panel 4: Consumer Credit and Law in Society

• Moderator: Pamela Foohey
Mehrsa Baradaran, University of Georgia School of Law
Postal Banking: An International Perspective

Sara Greene, Duke University School of Law
Poor Credit: Personal Responsibility in an Era of Credit Reports

Paige Marta Skiba & Jean Xiao, Vanderbilt University School of Law
Consumer Litigation Funding: Just Another Form of Payday Lending?

3:55pm  Adjourn

Agenda for Symposium on Consumer Credit in America

Friday 9/30

**Shuttles will be available to take participants from the hotel to the school**

7:30am – 8:15am Continental Breakfast catered by De Novo

8:15am Introduction to Symposium (Foohey, Hawkins, and Johnson)

8:30am – 10:00am Panel 1: Consumer Credit and the Consumer Financial Protection Bureau

• Moderator: Pamela Foohey
• Christopher Peterson, SJ Quinney College of Law, University of Utah
The CFPB’s Power to Regulate “Abusive” Financial Products
Angela Littwin, University of Texas School of Law
Examination as a Method of Consumer Protection

Nick Bourke, The Pew Charitable Trusts
The CFPB’s Proposed Payday Loan Regulations Would Leave Consumers Vulnerable

Understanding the CFPB Proposal for Payday and Other Small Loans
Pamela Foohey, Indiana University Maurer School of Law
Calling on the CFPB for Help: Telling Stories and Consumer Protection

10:15am – 10:30am Break

10:30am – 12:00 Panel 2: The Aftermath of Consumer Indebtedness

• Moderator: Creola Johnson
Creola Johnson, The Ohio State University Moritz College of Law
Creditors Cross the Line From Debt Collecting to Committing Extortion When they Criminalize Consumers Who Cannot Pay Civil Debts

Richard Hynes, University of Virginia School of Law
“Maximum Possible Accuracy” in Credit Reports

Breno Braga, The Urban Institute
Local Conditions and Debt in Collections

Michael Sousa, Sturm College of Law – University of Denver
Legal Consciousness Among Consumer Debtors

12:00 – 1:00pm Boxed Lunches catered by De Novo

1:00pm – 2:30pm  Panel 3: Protecting Consumers from Confusion and Manipulation

• Moderator: Jim Hawkins
Jim Hawkins, University of Houston Law Center
Exploiting Advertising

David Friedman, Willamette University College of Law
Mediated Reputation Systems

Rory Van-Loo, Boston University School of Law
Rise of the Digital Regulator

• Lauren Willis, Loyola Law School, Los Angeles
Customer Confusion and Consequences: Audits in Consent Decrees

2:30pm – 2:45pm Break

2:45pm – 3:55pm   Panel 4: Consumer Credit and Law in Society

• Moderator: Pamela Foohey
Mehrsa Baradaran, University of Georgia School of Law
Postal Banking: An International Perspective

Sara Greene, Duke University School of Law
Poor Credit: Personal Responsibility in an Era of Credit Reports

Paige Marta Skiba & Jean Xiao, Vanderbilt University School of Law
Consumer Litigation Funding: Just Another Form of Payday Lending?

3:55pm  Adjourn