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