{"id":20,"date":"2019-09-17T16:41:09","date_gmt":"2019-09-17T16:41:09","guid":{"rendered":"http:\/\/sls.gmu.edu\/todd-zywicki\/?page_id=20"},"modified":"2026-03-02T09:41:38","modified_gmt":"2026-03-02T14:41:38","slug":"publications","status":"publish","type":"page","link":"https:\/\/sls.gmu.edu\/todd-zywicki\/publications\/","title":{"rendered":"Publications"},"content":{"rendered":"<h3>Scholarly Publications<\/h3>\n<h4>Books<\/h4>\n<p>Editor, UNPROFITABLE SCHOOLING: EXAMINING CAUSES OF, AND FIXES FOR, AMERICA&#8217;S BROKEN IVORY TOWER (with Neal McCluskey) (Cato Press, 2019) (<a href=\"https:\/\/store.cato.org\/book\/unprofitable-schooling\">Amazon.com<\/a>).<\/p>\n<p>LAW AND ECONOMICS: PRIVATE AND PUBLIC (with Maxwell L. Stearns and Thomas J. Micelli) (West, 2018) (<a href=\"https:\/\/www.amazon.com\/Law-Economics-Private-American-Casebook\/dp\/1628102152\">Amazon.com<\/a>,<a href=\"https:\/\/faculty.westacademic.com\/Book\/Detail?id=18210\">Westlaw<\/a>).<\/p>\n<p>TEACHER&#8217;S MANUAL TO LAW AND ECONOMICS: PUBLIC AND PRIVATE (with Maxwell L. Stearns and Thomas J. Miceli) (West, 2018).<\/p>\n<p>Editor, RESEARCH HANDBOOK ON AUSTRIAN LAW AND ECONOMICS (with Peter J. Boettke), (Edward Elgar, 2017) (<a href=\"https:\/\/www.amazon.com\/Research-Handbook-Austrian-Economics-Handbooks\/dp\/1849801134\">Amazon.com<\/a>, <a href=\"https:\/\/www.e-elgar.com\/shop\/research-handbook-on-austrian-law-and-economics\">Edward Elgar<\/a>).<\/p>\n<p>CONSUMER CREDIT AND THE AMERICAN ECONOMY (with Thomas Durkin, Gregory Elliehausen, and Michael Staten), (Oxford University Press, 2014) (<a href=\"http:\/\/www.amazon.com\/Consumer-Financial-Management-Association-Synthesis\/dp\/0195169921\/ref=la_B00JH2X1TY_1_1?s=books&amp;ie=UTF8&amp;qid=1400101355&amp;sr=1-1\">Amazon.com<\/a>).<\/p>\n<ul>\n<li>Reviewed by John Berlau, <em>The Surprising Economics of Consumer Credit<\/em>, LAW AND LIBERTY (Dec. 5, 2014), <em>available<\/em> <a href=\"http:\/\/www.libertylawsite.org\/2014\/12\/05\/the-surprising-economics-of-consumer-credit\/\">here<\/a>.<\/li>\n<\/ul>\n<p>PUBLIC CHOICE CONCEPTS AND APPLICATIONS IN LAW (with Maxwell Stearns), (West Publishing, 2009).<\/p>\n<ul>\n<li>Reviewed by D. Daniel Sokol, <em>Explaining the Importance of Public Choice for Law<\/em>, 109 MICHIGAN LAW REVIEW 1029 (2011), <em>available<\/em> <a href=\"http:\/\/www.michiganlawreview.org\/assets\/pdfs\/109\/6\/sokol.pdf\">here<\/a>.<\/li>\n<\/ul>\n<p>TEACHERS MANUAL TO PUBLIC CHOICE CONCEPTS AND APPLICATIONS IN LAW (with Maxwell Stearns), (West Publishing, 2009).<\/p>\n<p>Editor, <em>The Rule of Law, Freedom, and Prosperity<\/em>, 10 SUPREME COURT ECONOMIC REVIEW<br \/>\n(Chicago: University of Chicago Press, 2003. 278 pp.\u00a0 ISBN: 0-226-99962-9)<strong>, <\/strong><em>purchase <\/em><a href=\"http:\/\/www.amazon.com\/exec\/obidos\/tg\/detail\/-\/0226999629\/qid=1121261420\/sr=1-1\/ref=sr_1_1\/102-0721423-5246551?v=glance&amp;s=books\">here<\/a>.<\/p>\n<ul>\n<li>Reviewed by William A. Fischel, 14(6) LAW AND POLITICS BOOK REVIEW 493-97 (June 2004), <em>available <\/em><a href=\"http:\/\/www.bsos.umd.edu\/gvpt\/lpbr\/subpages\/reviews\/zywicki604.htm\">here<\/a>.<\/li>\n<\/ul>\n<h4>Articles and Book Chapters<\/h4>\n<p><em>Assessing FHFA&#8217;s Pilot Program on Automated Title Decisioning: Promoting Competition and Reducing Housing Prices<\/em>, __ J. LAW, ECON, 7 POL&#8217;Y __ (forthcoming 2026), <em>available <a href=\"https:\/\/papers.ssrn.com\/abstract=5109079\">here<\/a><\/em>.<\/p>\n<p><em>Public Choice Theory and Law<\/em> (with Jeremy Kidd),\u00a0<em>in<\/em> ELGAR CONCISE ENCYCLOPEIDA OF LEGAL THEORY AND PHILOSOPHY __ (forthcoming 2026), <em>working paper available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=5363838\">here<\/a>.<\/p>\n<p><em>Consumer Privacy, Information Sharing, and Consumer Finance: Static and Dynamic Defense Strategies<\/em>\u00a0 __ REVIEW OF BANKING AND FINANCIAL LAW __ (forthcoming 2026), <em>available <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=4814143\">here<\/a><\/em>.<\/p>\n<p><em>The Conservative Version of the Rule of Law<\/em>, __ GEORGETOWN J. OF L.. &amp; PUB. POL&#8217;Y __ (forthcoming 2026), <em>available <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=5061816\">here<\/a><\/em>.<\/p>\n<p><em>Facilitating Fintech&#8217;s Future: How Congress and Regulation Can Support Innovation in Fintech, Earned Wage Access and Buy Now. Pay Later Products<\/em>, 45(2) BANKING AND FINANCIAL SERVICES POLICY REPORT 1 (Feb. 2026).<\/p>\n<p><em>Political Debanking<\/em>, 29(3) TEXAS REV. OF LAW AND POLITCS 555 (2026), <em>available\u00a0<\/em><a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=5173173\">here<\/a>.<\/p>\n<p><em>Friedrich A. Hayek<\/em> (with Edward Peter Stringham), <em>in<\/em> ENCYCLOPEDIA OF LAW &amp; ECONOMICS (Alain Marciano and Giovanni Battista Ramello, eds.) (2d ed. 2025).<\/p>\n<p style=\"background: white;margin: 0in 0in 21.0pt 0in\"><em><span style=\"font-size: 12.0pt;color: #1a1a1a\">Lessons for Antitrust from the Capital One-Discover Merger: Is There a Subprime Market for Credit Cards? <\/span><\/em><span style=\"font-size: 12.0pt;color: #1a1a1a\">(with Julian Morriss, Eric Fruits, and Ben Sperry),44(11) BANKING AND FINANCIAL SERVICES POLICY REPORT 1 (Nov. 2025).<\/span><\/p>\n<p><em>Appropriations, Ambition, and the Madisonian Constitution: Consumer Financial Protection Bureau v. Community Financial Services Association, AIER Papers #12 (2025), available <\/em><a href=\"https:\/\/aier.org\/article\/appropriations-ambition-and-the-madisonian-constitution\/\">here<\/a><em>.<\/em><\/p>\n<p><em>The Failure of Expert Rule<\/em>, FUSION (Aug. 2025),<em> available <\/em><a href=\"https:\/\/fusionaier.org\/2025\/first-do-no-harm\/\">here<\/a><em>.<\/em><\/p>\n<p><em>Bankruptcy<\/em> Clause,\u00a0<em>in<\/em> HERITAGE GUIDE TO THE CONSTITUTION (3d ed., 2025),\u00a0<em>available<\/em> <a href=\"https:\/\/constitution.heritage.org\/essays\/a1-s8-c4-b\/\">here<\/a>.<\/p>\n<p><em>Federal Money Clause<\/em>,\u00a0<em>in<\/em> HERITAGE GUIDE TO THE CONSTITUTION (3d ed., 2025),\u00a0<em>available<\/em> <a href=\"https:\/\/constitution.heritage.org\/essays\/a1-s8-c5-a\/\">here<\/a>.<\/p>\n<p><em>State Money Clause, in<\/em> HERITAGE GUIDE TO THE CONSTITUTION (3d ed., 2025),\u00a0<em>available<\/em> <a href=\"https:\/\/constitution.heritage.org\/essays\/a1-s10-c1-c\/\">here<\/a>.<\/p>\n<p><em>The Senate Vacancies Amendment<\/em>, <em>in<\/em> HERITAGE GUIDE TO THE CONSTITUTION (3d ed., 2025),\u00a0<em>available<\/em> <a href=\"https:\/\/constitution.heritage.org\/essays\/amdt-17-c2-3\/\">here<\/a>.<\/p>\n<p><em>An Update on the Capital One\/Discover Merger: Is There as Subprime Market for Credit Cards?<\/em>, ICLE Issue Brief 2025-04-21 (Apr. 2025),\u00a0<em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=5264907\">here.<\/a><\/p>\n<p><em>The Law and Political Economy Project: A Critical Analysis<\/em>, 20 J. LAW, ECON, &amp; POL&#8217;Y 7 (2025), <em>working paper available <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=4836562\">here<\/a><\/em>.<\/p>\n<p><em>The Emerging Law and Political Economy Movement: A Research Roundtable<\/em> (with Julia D. Mahoney), 20 J. LAW, ECON, &amp; POL&#8217;Y 1 (2025).<\/p>\n<p><em>The Capital One-Discover Merger: A Law And Economics Analysis <\/em>(with Julian Morris, Eric Fruits, &amp; Ben Sperry), 43(9) BANKING AND FINANCIAL SERVICES POLICY REPORT 1 (Sept. 2024), ICLE White Paper 2024-07-23 (July 2024), <em>available <a href=\"https:\/\/laweconcenter.org\/wp-content\/uploads\/2024\/07\/Capital-One-Discover-Merger-v4.pdf\">here<\/a><\/em>.<\/p>\n<p><em>Consumer Protection and Investment Crowdfuning: Comments at The Future of Startup Finance: A Symposium on &#8220;Investment Crowdfunding<\/em>,&#8221; 22 COLORADO TECHNOLOGY L. J. 259 (2024).<\/p>\n<p><em>The Supreme Court &#8220;Pulled a Brodie&#8221;:<\/em> Swift <em>and<\/em> Erie\u00a0<em>in a Commercial Law Perspective<\/em>, 17 N.Y.U. J. of Law &amp; Liberty 296 (2024),\u00a0<em>available <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=4684139\">here<\/a><\/em>.<\/p>\n<p><em>Looking Forward by Looking Backward: The Future of Consumer Finance and Financial Protection<\/em>, 19 J. L. ECON. &amp; POL&#8217;Y 223 (2024),\u00a0<em>available <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=4728037\">here<\/a><\/em>.<\/p>\n<p><em>Posner Meets Hayek: The Elements of an Austrian Law &amp; Economics Research Program<\/em>, 15(1) ASIAN JOURNAL OF LAW AND ECONOMICS 83 (2024) ((Keynote lecture delivered at 2023 Annual Meeting of Asian Law &amp; Economics Association), <em>working paper available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=4666053\">here<\/a>.<\/p>\n<p><em>The SEC&#8217;s Misguided Climate Disclosure Rule<\/em> (with Lawrence A. Cunningham, et al.), 41 BANKING AND FINANCIAL SERVICES POLICY REPORT 1 (2022), <em>available\u00a0<\/em><a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=4256724\">here<\/a>.<\/p>\n<p><em>Restoring the Rule of Law in Finance<\/em>, HERITAGE FOUNDATION FIRST PRINCIPLES No. 92 (June 1, 2023),\u00a0<em>available<\/em> <a href=\"https:\/\/www.heritage.org\/courts\/report\/restoring-the-rule-law-finance\">here<\/a>.<\/p>\n<p><em>Junkyard Dogs: The Law and Economics of &#8220;Junk&#8221; Fees<\/em> (with Howard Beales), CPI ANTITRUST CHRONICLE 1 (April 2023),\u00a0<em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=4446501\">here<\/a>.<\/p>\n<p><em>Public Choice and Tort Reform<\/em> (with Jeremy Kidd),\u00a0<em>in<\/em> MATERIALS ON TORT REFORM 39 (Andrew F. Popper, ed. 3d ed., 2023).<\/p>\n<p><em>Regulating Routing in Payment Card Networks<\/em> (with Julian Morris), ICLE White Paper 2022-No. 2022-08-17 (Aug. 2022), <em>available<\/em> <a href=\"https:\/\/laweconcenter.org\/wp-content\/uploads\/2022\/08\/Regulating-Routing-in-Payment-Networks-final.pdf\">here<\/a>.<\/p>\n<p><em>Bankruptcy as Filtering Failure: Evidence of Filtering Failure in the U.S. Bankruptcy Process<\/em> (with Rutger Van Bergem and Jeffrey Jenkins) (Feb. 12, 2022), working paper\u00a0<em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=4073426\">here<\/a>.<\/p>\n<p><em>The Effects of Price Controls on Payment-Card Interchange Fees: A Review and Update<\/em> (with Julian Morris and Geoffrey A. Manne), International Center for Law &amp; Economics (Mar. 4, 2022), <em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=4063914\">here<\/a>.<\/p>\n<p><em>\u00a0<\/em><em>A Government Credit-Rating Monopoly?<\/em>, 45 Regulation 22 (Spring 2022).<\/p>\n<p><em>Credit Cards and the Reverse Robin Hood Fallacy: Do Credit Card Rewards Really Steal from the Poor and Give to the Rich<\/em> (with Ben Sperry and Julian Morriss), 41(3) BANKING AND FINANCIAL SERVICES POLICY REPORT 1-18 (2022),\u00a0<em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3984298\">here<\/a>.<\/p>\n<p><em>Regulatory Robustness<\/em>, working paper <em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3957200\">here<\/a>.<\/p>\n<p><em>The Effects on Consumers from Two State-Level Regulations of the Payday Loan Market<\/em> (with Thomas Miller), working paper <em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3935920\">here<\/a>.<\/p>\n<p><em>The Difficult Path to State Bankruptcy<\/em> (with Veronique de Rugy), Mercatus COVID-19 Response Policy Brief Series (Sept. 2020), <em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3698742\">here<\/a>.<\/p>\n<p><em>Extending the Culture Wars<\/em>, 44(3) REGULATION 40 (Fall 2021) (review of Stephen Soukup, <em>The Dictatorship of Woke Capital<\/em>), <em>available<\/em> <a href=\"https:\/\/www.cato.org\/regulation\/fall-2021\/extending-culture-wars\">here<\/a>.<\/p>\n<p><em>Simple Rules for a Complex Regulatory World: The Case of Financial Regulation<\/em> (with Christopher Mufarrige), 52 EUROPEAN JOURNAL OF LAW &amp; ECONOMICS 285 (2021), working paper <em>available\u00a0<\/em><a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3576976\">here<\/a>.<\/p>\n<p><em>Bruce Yandle and the Art of Economic Communication<\/em> ,\u00a0<em>in<\/em> THE LEGACY OF BRUCE YANDLE 67-98 (Donald J. Boudreaux and Roger Meiners, eds., 2020), <em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3312856\">here<\/a>.<\/p>\n<p><em>The Chrysler and General Motors Bankruptcies<\/em>, <em>in<\/em> RESEARCH HANDBOOK ON CHAPTER 11 REORGANIZATION 298 (Barry Adler, ed., 2020), <em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3252104\">here<\/a>.<\/p>\n<p><em>Friedrich A. Hayek<\/em> (with Edward Peter Stringham), <em>in<\/em> ENCYCLOPEDIA OF LAW &amp; ECONOMICS (Alain Marciano and Giovanni Battista Ramello, eds.) (2019), <em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3160840\">here<\/a>.<\/p>\n<p><em>A Chip Off the Old Block or a New Direction for Payment Card Security? The Law and Economics of the U.S. Transition to EMV<\/em>(with James Cooper), 2018 MICH. ST. L. REV. 869 (2018), <em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2930955\">here<\/a>.<\/p>\n<p><em>The Behavioral Economics of Behavioral Law &amp; Economics<\/em>, 5(3-4) JOURNAL OF BEHAVIORAL ECONOMICS 439-472 (2018), <em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3252142\">here<\/a>.<\/p>\n<p><em>The Changing of the Guard: The Political Economy of Administrative Bloat in Higher Education<\/em> (with Christopher Koopman), <em>in <\/em>UNPROFITABLE SCHOOLING: EXAMINING CAUSES OF, AND FIXES FOR, AMERICA&#8217;S BROKEN IVORY TOWER 147-172 (Todd J. Zywicki and Neal McCluskey, eds., 2019), working paper <em>available <\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2939915\">here<\/a>.<\/p>\n<p><em>Introduction<\/em> (with Neal McCluskey), <em>in<\/em> UNPROFITABLE SCHOOLING: EXAMINING CAUSES OF, AND FIXES FOR, AMERICA&#8217;S BROKEN IVORY TOWER 1-9 (Todd J. Zywicki and Neal McCluskey, eds., 2019).<\/p>\n<p><em>Law and Economics: The Contributions of the Austrian School of Economics<\/em> (with Peter J. Boettke), <em>in<\/em> RESEARCH HANDBOOK ON AUSTRIAN LAW AND ECONOMICS 3 (Todd J. Zywicki and Peter J. Boettke, eds., 2017), <em>available <\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3252120\">here<\/a>.<\/p>\n<p><em>Austrian Law and Economics and Efficiency in the Common Law<\/em>, <em>in<\/em> RESEARCH HANDBOOK ON AUSTRIAN LAW AND ECONOMICS 192 (Todd J. Zywicki and Peter J. Boettke, eds. 2017), <em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3252032\">here<\/a>.<\/p>\n<p><em>Bankruptcy Judge as Central Planner<\/em>(with Shruti Rajagopalan), <em>in<\/em> RESEARCH HANDBOOK ON AUSTRIAN LAW AND ECONOMICS 371 (Todd J. Zywicki and Peter J. Boettke, eds., 2017), <em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2253477\">here<\/a>.<\/p>\n<p><em>Conclusion: The Future of \u201cAustrian\u201d Law and Economics<\/em>(with Peter J. Boettke), <em>in<\/em> RESEARCH HANDBOOK ON AUSTRIAN LAW AND ECONOMICS 423 (Todd J. Zywicki and Peter J. Boettke, eds., 2017).<\/p>\n<p><em>Behavioral Law &amp; Economics Goes to Court: The Fundamental Flaws in the Behavioral Law 7 Economics Arguments Against No-Surcharge Laws<\/em> (with Geoffrey A. Manne and Kristian Stout), 82 MISSOURI L. REV. 770 (2017) (Symposium on behavioral law &amp; economics), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/FINAL_as-published.pdf\">here<\/a>.<\/p>\n<p><em>Punishing Rewards: How Clamping Down on Credit Card Interchange Fees Can Hurt the Middle Class<\/em> (with Julian Morris, Geoffrey A. Manne,\u00a0 and Ian Lee), Macdonald-Laurier Institute (Nov. 2017),<em> available<\/em> <a href=\"http:\/\/macdonaldlaurier.ca\/files\/pdf\/MLI-PaymentCardRegulationPaper10-17web.pdf\">here<\/a>.<\/p>\n<p><em>Unreasonable and Disproportionate: How the Durbin Amendment Harms Poorer Americans and Small Businesses<\/em> (with Geoffrey A. Manne and Julian Morris), International Center for Law &amp; Economics Working Paper (April 25, 2017), <em>available<\/em> <a href=\"http:\/\/laweconcenter.org\/component\/content\/article\/138-unreasonable-and-disproportionate-durbin-amendment.html\">here<\/a>.<\/p>\n<p><em>How Congress Should Protect Consumers&#8217; Finances<\/em>(with Alden Abbott), <em>in<\/em> PROSPERITY UNLEASHED 287-294 (Feb. 2017), <em>available\u00a0<\/em><a href=\"https:\/\/www.heritage.org\/sites\/default\/files\/2017-02\/19_ProsperityUnleashed_Chapter19.pdf\">here<\/a>.<\/p>\n<p><em>The Dodd-Frank Act Five Years Later: Are We More Stable?<\/em>, 43 CAPCO INST. J. OF FINANCIAL TRANSFORMATION 58 (2016), <em>available<\/em><a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/FINAL_aspublished.pdf\"> here<\/a>.<\/p>\n<p><em>Nudging in an Evolving Marketplace: How Markets Improve Their Own Choice Architecture<\/em> (with Adam C. Smith),\u00a0<em>in<\/em> NUDGE THEORY IN ACTION: BEHAVIORAL DESIGN IN POLICY AND MARKETS 225-250 (2016).<\/p>\n<p><em>Do Americans Really Save Too Little and Should We Nudge Them To Save More? The Ethics of Nudging Retirement Savings<\/em>, 16 GEORGETOWN J. OF LAW &amp; PUBLIC POLICY 877 (2016), <em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2901173\">here<\/a>.<\/p>\n<p><em>The Law and Economics of Consumer Debt Collection and Its Regulation<\/em>, 28 LOYOLA CONSUMER L. J. 167 (2016), <em>working paper available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2658326\">here<\/a>.<\/p>\n<p><em>The CFPB&#8217;s Arbitration Study: A Summary and Critique<\/em> (with Jason Johnston), 35(5) BANKING AND FINANCIAL SERVICES POLICY REPORT 9 (May 2016), <em>working paper available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2650846\">here<\/a>.<\/p>\n<p><em>Market-Reinforcing versus Market-Replacing Consumer Finance Regulation, in<\/em> REFRAMING FINANCIAL MARKET REGULATION: ENHANCING STABILITY AND PROTECTING CONSUMERS 319 (Hester Peirce and Benjamin Klutsey eds. 2016) (Chapter 12), <em>available<\/em> <a href=\"https:\/\/www.mercatus.org\/system\/files\/peirce_reframing_ch12.pdf\">here<\/a>.<\/p>\n<p><em>Market Based Nudges: How Financial Markets Improve Their Own Choice Architecture, in<\/em> NUDGE THEORY IN ACTION: BEHAVIORAL DESIGN IN POLICY AND MARKETS (Sherzod Abdukadirov, ed. 2016), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2757712\">here<\/a>.<\/p>\n<p><em>The Rule of Law During Times of Economic Crisis,<\/em> <em>in<\/em> ECONOMIC AND POLITICAL CHANGE AFTER CRISIS: PROSPECTS FOR GOVERNMENT, LIBERTY, AND THE RULE OF LAW (Stephen H. Balch and Ben Powell, eds. 2016), <em>working paper available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2651893\">here<\/a>.<\/p>\n<p><em>Rent-Seeking, Crony Capitalism, and the Crony Constitution<\/em>, 23 SUPREME COURT ECON. REV. 77 (2016), <em>available<\/em><br \/>\n<a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2651587\">here<\/a>.<\/p>\n<p><em>Dodd-Frank at Five Years: Implications for Consumers and the Economy<\/em>, 34(11) BANKING AND FINANCIAL SERVICES POLICY REPORT 1 (Nov. 2015), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/BFS_1115_1.pdf\">here<\/a>.<\/p>\n<p><em>The Consumer Financial Protection Bureau and the Return of Paternalistic Command-and-Control Regulation<\/em>, 16(2) ENGAGE 48 (July 2015), <em> available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/Zywicki-CFPB-Paternalistic-FINAL.pdf\">here<\/a>.<\/p>\n<p><em>Consumer Credit and the American Economy: An Overview<\/em> (with Thomas A. Durkin and Gregory Elliehausen), 11 J. L. ECON &amp; POL&#8217;Y 279 (2015), <em>available<\/em> <a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2658338\">here<\/a>.<\/p>\n<p><em>Hayek&#8217;s Jurisprudence: And Ratnapala&#8217;s Hayek<\/em>, 33(2) UNIVERSITY OF QUEENSLAND LAW JOURNAL 311 (2015), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2531058\">here<\/a>.<\/p>\n<p><em>Bruno Leoni&#8217;s Legacy and Continued Relevance<\/em>, 30(1) J. PRIVATE ENTERPRISE 131-41 (2015),<em> available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2503080\">here<\/a>.<\/p>\n<p><em>Behavior, Paternalism, and Policy: Evaluating Consumer Financial Protection<\/em> (with Adam C. Smith), 9 NYU J. L. &amp; LIBERTY 201 (2015), <em>available<\/em> <a href=\"https:\/\/static1.squarespace.com\/static\/514e1ca0e4b04c6ad1834313\/t\/55395676e4b0d3a13adaebc7\/1429821046000\/Smith.Zywicki.9.pdf\">here<\/a>.<\/p>\n<p><em>An Assessment of Behavioral Law and Economics Contentions and What We Know Empirically About Credit Card Use by Consumers<\/em> (with Thomas A. Durkin and Gregory Elliehausen), 22 SUPREME COURT ECON. REV. 1 (2014), <em>available <\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2499819\">here<\/a>.<\/p>\n<p><em>Commentary on CFPB Report: Data Point: Checking Account Overdraft<\/em> (with G. Michael Flores), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2499716\">here<\/a>.<\/p>\n<p><em>Price Controls on Payment Card Interchange Fees: The U.S. Experience<\/em> (with Geoffrey Manne and Julian Morris), ICLE Financial Regulatory Research Program White Paper 2014-2 (2014), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2446080\">here<\/a>.<\/p>\n<p><em>Keynote Address: Is There a George Mason School of Law and Economics?<\/em> 10 J. LAW, ECONOMICS &amp; POLICY 543 (2014), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2487266\">here<\/a>.<\/p>\n<p><em>Uncertainty, Evolution, and <\/em>Behavioral <em>Economic Theory<\/em> (with Geoffrey Manne), 10 J. LAW, ECONOMICS &amp; POLICY 555 (2014), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2406175\">here<\/a>.<\/p>\n<p><em>Overdraft Protection and Consumer Protection: A Critique of the CFPB&#8217;s Analysis of Overdraft Programs<\/em> (with G. Michael Flores and Brian M. Deignan), 33(3) BANKING AND FINANCIAL SERVICES POLICY REPORT 10 (March 2014).<\/p>\n<p><em>The Consumer Financial Protection Bureau<\/em>, <em>in<\/em> PERSPECTIVES ON DODD-FRANK AND FINANCE (2014, MIT Press).<\/p>\n<p><em>The Behavioral Law and Economics of Fixed-Rate Mortgages (And Other Just-So Stories)<\/em>, 21 SUPREME COURT ECON. REV. 157 (2014), working paper <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2509493\">here<\/a>.<\/p>\n<p><em>Payday Lending, Bank Overdraft Protection, and Fair Competition at the Consumer Financial Protection Bureau<\/em> (with Robert L. Clarke), 33 REV. OF BANKING AND FINANCIAL LAW 235 (2013-2014), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2358202\">here<\/a>.<\/p>\n<p><em>Commentary: CFPB Study of Overdraft Programs<\/em> (with G. Michael Flores), MERCATUS RESEARCH (Nov. 4, 2013), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2349819\">here<\/a>.<\/p>\n<p><em>Credit Where It&#8217;s Due: How Payment Cards Benefit Canadian Merchants and Consumers, andHow Regulation Can Harm Them<\/em> (with Ian Lee, Geoffrey A. Manne, and Julian Morris), MacDonald-Laurier Institute (Oct. 2013), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2346311\">here<\/a>.<\/p>\n<p><em>The Economics and Regulation of Network Branded Prepaid Cards<\/em>, 65 FLORIDA L. REV. 1477 (2013), <em>available <\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2205396\">here<\/a>.<\/p>\n<p><em>The Consumer Financial Protection Bureau: Savior or Menace?<\/em>, 81 GEORGE WASHINGTON L. REV. 856 (2013), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2130942\">here<\/a>.<\/p>\n<p><em>Libertarianism, Law and Economics, and The Common Law<\/em>, 16 CHAPMAN L. REV. 309 (2013) (symposium on &#8220;Libertarian Legal Theory&#8221;),<em> available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2174534\">here<\/a>.<\/p>\n<p><em>Network Branded Prepaid Cards: The Economics and Regulation of an Evolving Financial Sector<\/em> (with Ian C. Robinson), 32(2) BANKING AND FINANCIAL SERVICES POLICY REPORT 1 (Feb. 2013).<\/p>\n<p><em>The Bankruptcy Clause<\/em>, <em>in <\/em>THE HERITAGE GUIDE TO THE CONSTITUTION 112 (2d ed. 2013),\u00a0<em>available<\/em> <a href=\"https:\/\/www.heritage.org\/constitution\/#!\/articles\/1\/essays\/41\/bankruptcy-clause\">here<\/a>.<\/p>\n<p><em>The Coinage Clause<\/em>, <em>in<\/em> THE HERITAGE GUIDE TO THE CONSTITUTION 114 (2d ed. 2013),\u00a0<em>available<\/em> <a href=\"https:\/\/www.heritage.org\/constitution\/#!\/articles\/1\/essays\/42\/coinage-clause\">here<\/a>.<\/p>\n<p><em>Senate Vacancies<\/em>,<em> in<\/em> THE HERITAGE GUIDE TO THE CONSTITUTION 415 (2d ed. 2013),\u00a0<em>available<\/em> <a href=\"https:\/\/www.heritage.org\/constitution\/#!\/articles\/1\/essays\/13\/senatorial-classes-and-vacancies-clause\">here<\/a>.<\/p>\n<p><em>Auto Bailout or UAW Bailout? Taxpayer Losses Came from Subsidizing Union Compensation<\/em> (with James Sherk), HERITAGE FOUNDATION BACKGROUNDER #2700 (June 13, 2012), <em>available<\/em> <a href=\"http:\/\/www.heritage.org\/research\/reports\/2012\/06\/auto-bailout-or-uaw-bailout-taxpayer-losses-came-from-subsidizing-union-compensation\">here<\/a>.<\/p>\n<p><em>The Senate and Hyper-Partisanship: Would the Constitution Look Different if the Framers Had Known that Senators Would be Elected in Partisan Elections?<\/em> 10 GEORGETOWN J. L. &amp; PUBLIC POLICY 375 (2012), <em>available <\/em><a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2050115\">here<\/a>.<\/p>\n<p><em>The Economics and Regulation of Bank Overdraft Protection<\/em>, 69 WASHINGTON &amp; LEE L. REV. 1141 (2012), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=1946387\">here<\/a>.<\/p>\n<p><em>Economic Uncertainty, The Courts, and The Rule of Law<\/em>, 35 HARVARD JOURNAL OF LAW &amp; PUBLIC POLICY 195 (2012), <em>available <\/em><a href=\"http:\/\/www.harvard-jlpp.com\/wp-content\/uploads\/2012\/01\/ZywickiFinal.pdf\">here<\/a>.<\/p>\n<p><em>Debit, Credit, and Cell: Making Canada A Leader in The Way We Pay<\/em> (with Philippe Bergevin), C.D. Howe Institute Commentary No. 353 (June 2012), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2104232&amp;download=yes\"> here<\/a>.<\/p>\n<p><em>The Balancing of Markets, Litigation, and Regulation<\/em>, 7 JOURNAL OF LAW, ECONOMICS, AND POLICY 351 (2010), <em>available<\/em> <a href=\"http:\/\/jlep.net\/home\/wp-content\/uploads\/2011\/04\/Panel8.pdf\">here<\/a>.<\/p>\n<p><em>Perspectives on Dodd-Frank Wall Street Reform and Consumer Protection Act<\/em>, 7 JOURNAL OF LAW, ECONOMICS, AND POLICY 307 (2010), <em>available<\/em> <a href=\"http:\/\/jlep.net\/home\/wp-content\/uploads\/2011\/04\/Panel6.pdf\">here<\/a>.<\/p>\n<p><em>Protecting the Public Health: Litigation and Obesity<\/em>, 7 JOURNAL OF LAW, ECONOMICS, AND POLICY 259 (2010), <em>available<\/em> <a href=\"http:\/\/jlep.net\/home\/wp-content\/uploads\/2011\/04\/Panel4.pdf\">here<\/a>.<\/p>\n<p><em>The Auto Bailout and the Rule of Law<\/em>, NATIONAL AFFAIRS, Issue 7, p. 66 (Spring 2011), <em>available<\/em> <a href=\"http:\/\/www.nationalaffairs.com\/doclib\/20110317_Zywicki.pdf\">here<\/a>.<\/p>\n<p><em>Does Increased Litigation Increase Justice in a Second-Best World? <\/em>(with Jeremy Kidd), <em>in<\/em> THE AMERICAN ILLNESS (Frank Buckley, ed., 2011, Yale University Press), working paper <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=1762160\">here<\/a>.<\/p>\n<p><em>Hayekian Anarchism<\/em> (with Edward Peter Stringham), 78 JOURNAL OF ECONOMIC BEHAVIOR AND ORGANIZATION 290 (2011), working paper <em>available <\/em><a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=1744364\">here<\/a>. (Named winner of 2012 Society for the Development of Austrian Economics Prize for<a href=\"http:\/\/www.fee.org\/news\/2012-foundation-for-economic-education-award-winners-for-best-book-and-best-article-in-austrian-economics\/\"> Best Article in Austrian Economics).<\/a><\/p>\n<p><em>Rivalry and Superior Dispatch: An Analysis of Competing Courts in Medieval and Early Modern England<\/em> (with Edward Peter Stringham), 147 PUBLIC CHOICE 497 (2011), working paper <em>available <\/em><a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=1703598\">here<\/a>.<\/p>\n<p><em>Common Law and Economic Efficiency<\/em> (with Edward Peter Stringham), <em>in<\/em> 7 ENCYCLOPEDIA OF LAW AND ECONOMICS (Second Edition), (Franceso Parisi ed., 2012), working paper <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=1673968\">here<\/a>.<\/p>\n<p><em>The Way We Should Pay&#8211;Comments on &#8220;The Way We Pay: Transforming The Canadian Payments System<\/em>, C.D. Howe Institute &amp; International Center for Law &amp; Economics (2011), <em>available<\/em> <a href=\"http:\/\/www.cdhowe.org\/the-way-we-should-pay\/14643\">here<\/a>.<\/p>\n<p><em>The Economics of Payment Card Interchange Fees and the Limits of Regulation<\/em>, ICLE FINANCIAL REGULATORY PROGRAM WHITE PAPER SERIES (June 2, 2010),<em> available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=1624002\">here<\/a>.<\/p>\n<p><em>Expansion of Liability Under Public Nuisance<\/em> (with Henry N. Butler), 18 SUPREME COURT ECONOMIC REVIEW 1 (2010).<\/p>\n<p><em>Money To Go<\/em>, 33(2) REGULATION 32 (2010), <em>available<\/em> <a href=\"http:\/\/www.cato.org\/pubs\/regulation\/regv33n2\/regv33n2-7.pdf\">here<\/a>.<\/p>\n<p><em>Subprime Mortgages: What We Have Learned From a New Class of Homeowners<\/em> (with Satya Thallam), <em>in<\/em> LESSONS FROM THE FINANCIAL CRISIS: CAUSES, CONSEQUENCES, AND OUR ECONOMIC FUTURE 181 (2010).<\/p>\n<p><em>Anna Nicole Smith Goes Shopping: The New Forum Shopping Problem in Bankruptcy<\/em>, 2010 UTAH LAW REVIEW 511 (2010), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=1417621\">here<\/a>.<\/p>\n<p><em>Consumer Use and Government Regulation of Title Pledge Lending<\/em>, 22 LOYOLA CONSUMER LAW REVIEW 425 (2010), <em>available<\/em> <a href=\"http:\/\/www.luc.edu\/law\/activities\/publications\/clr_vol22_issue4\/pdfs\/zywicki_title.pdf\">here<\/a>.<\/p>\n<p><em>Three Problematic <span class=\"search_terms_highlighted\">Truths About the Consumer Financial Protection Agency Act of 2009 <\/span><\/em>(with Joshua D. Wright), 1 LOMBARD STREET, No. 12 (2009), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=1474006\">here<\/a>.<\/p>\n<p><em>The Market for Information and Credit Card Regulation<\/em>, 28(1) BANKING AND FINANCIAL SERVICE POLICY REPORT 13 (2009), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/Banking-and-Financial-Services-Policy-Report.pdf\">here<\/a>.<\/p>\n<p><em>The Law and Economics of Subprime Lending<\/em> (with Joseph Adamson), 80 UNIVERSITY OF COLORADO L. REV. 1 (2009), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=1106907\">here<\/a>.<\/p>\n<p><em>The Case Against New Restrictions on Payday Lending<\/em>, Mercatus Center Working Paper 09-28 (July 2009), <em>available <\/em> <a href=\"http:\/\/mercatus.org\/publication\/case-against-new-restrictions-payday-lending\">here<\/a>.<\/p>\n<p><em>Spontaneous Order and the Common Law: Gordon Tullock&#8217;s Critique<\/em>, 135 PUBLIC CHOICE 35-53 (2008), <em>available<\/em> <a href=\"Back-Articles\/Tullock.pdf\">here<\/a> (<em>longer working paper available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=964781\">here<\/a>).<\/p>\n<p><em>Posner, Hayek and The Economic Analysis of Law <\/em>(with Anthony B. Sanders),\u00a0 93 IOWA L. REV. 559 (2008), <em>working paper available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=957177\">here<\/a>.<\/p>\n<p><em>Institutional Review Boards as Academic Bureaucracies: An Economic and Experiential Analysis<\/em>, 101 NORTHWESTERN L. REV. 861 (2007), <em> vailable<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=983649\">here<\/a>.<\/p>\n<p><em>Bankruptcy<\/em>, <em>in<\/em> THE CONCISE ENCYCLOPEDIA OF ECONOMICS (2d ed., David Henderson ed., 2007), <em>available<\/em> <a href=\"http:\/\/www.econlib.org\/library\/Enc\/Bankruptcy.html\">here<\/a>.<\/p>\n<p><em>Consumer Bankruptcy, Doctrinal Issues in<\/em>, <em>in<\/em> ENCYCLOPEDIA OF LAW AND SOCIETY: AMERICAN AND GLOBAL PERSPECTIVES (David S. Clark ed., 2007), <em>available <\/em><a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=960822\">here<\/a>.<\/p>\n<p><em>Evolutionary Psychology<\/em>, <em>in<\/em> ENCYCLOPEDIA OF LAW AND SOCIETY: AMERICAN AND GLOBAL PERSPECTIVES (David S. Clark ed., 2007), <em>available <\/em><a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=960872\">here<\/a>.<\/p>\n<p><em>Cultural Group Selection<\/em>, <em>in<\/em> INTERNATIONAL ENCYCLOPEDIA OF THE SOCIAL SCIENCES, 2ND EDITION (2007).<\/p>\n<p><em>Is Forum-Shopping Corrupting America&#8217;s Bankruptcy Courts?<\/em>, 94 GEORGETOWN L. J. 1141 (2006), <em>available<\/em><br \/>\n<a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/Back-Articles\/Georgetown-Article-Final.pdf\">here<\/a> (Review essay of Lynn M. LoPucki, <em>Courting Failure: How Competition for Big Cases is Corrupting the Bankruptcy Courts<\/em>).<\/p>\n<p><em>Institutions, Incentives, and Consumer Bankruptcy Reform<\/em>, 62 WASHINGTON &amp; LEE L. REV. 1071 (2005),<em> available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=681483\">here<\/a>.<\/p>\n<p><em>An Economic Analysis of the Consumer Bankruptcy Crisis<\/em>, 99 Northwestern L. Rev. 1463 (2005), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=587901\">here<\/a>.<\/p>\n<p><em>Wine, Commerce, and the Constitution <\/em>(with Asheesh Agarwal), 1 NYU J. LAW &amp; LIBERTY 609 (2005), <em>available <\/em><a href=\"https:\/\/www.law.nyu.edu\/sites\/default\/files\/ECM_PRO_060910.pdf\">here<\/a>.<\/p>\n<p><em>The Original Meaning of the 21st Amendment<\/em> (with Asheesh Agarwal), 8 GREEN BAG 2d 135 (2005), <em>available <\/em><a href=\"https:\/\/greenbag.org\/v8n2\/v8n2_articles_agarwal_zywicki.pdf\">here<\/a>.<\/p>\n<p><em>Wine Wars: Uncorking E-Commerce?<\/em> (with Asheesh Agarwal and Jerry Ellig, 27(4) REGULATION 10 (Winter 2004-2005), <em>available on-line<\/em> <a href=\"http:\/\/www.cato.org\/pubs\/regulation\/regv27n4\/v27n4-mercreport.pdf\">here<\/a>.<\/p>\n<p><em>Obesity and Advertising Policy<\/em> (with Debra Holt and Maureen Ohlhausen), 12 GEORGE MASON L. REV. 979 (2004) (Symposium on Obesity, Health Claims, and Advertising), <em>available <\/em><a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/GMU-Article.pdf\">here<\/a>.<\/p>\n<p><em>The Theory and Practice of Competition Advocacy at the FTC<\/em>(with James Cooper and Paul Pautler), 72 Antitrust L.J. 1091 (2005) (Symposium on 90<sup>th<\/sup> Anniversary of FTC), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/FTC-Advocacy-Article.pdf\">here<\/a>.<\/p>\n<p><em>The FTC and State Action: Evolving Views on the Proper Role of Government<\/em> (with John T. Delacourt), 72 ANTITRUST L.J. 1075 (2005) (Symposium on 90<sup>th<\/sup> Anniversary of FTC), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/State-Action-Article.pdf\">here<\/a>.<\/p>\n<p><em>El Estado De Derecho, La Libertad y La Prosperidad<\/em>, 4(2) Apuntes de Economia y Politica: Analisis Economico de las Decisiones Publicas 2 (2005), <em>available on-line<\/em> <a href=\"http:\/\/www.cadep.ufm.edu.gt\/revapuntes\/apuntes019.pdf\">here<\/a>.<\/p>\n<p><em>The Bankruptcy Clause, in<\/em> THE HERITAGE GUIDE TO THE CONSTITUTION 112 (2005).<\/p>\n<p><em>The Coinage Clause<\/em>, <em>in<\/em> THE HERITAGE GUIDE TO THE CONSTITUTION 114 (2005).<\/p>\n<p><em>Senate Vacancies<\/em>,<em>in<\/em> THE HERITAGE GUIDE TO THE CONSTITUTION 415 (2005).<\/p>\n<p><em>Reconciling Group Selection and Methodological Individualism<\/em>, 7 ADVANCES IN AUSTRIAN ECONOMICS 267 (2004),<em> available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/Advances-in-Austrian-Economics.pdf\">here<\/a>.<\/p>\n<p><em>The Past, Present, and Future of Bankruptcy Law in <\/em><em>America<\/em>, 101 Michigan L. Rev. 2016 (2003), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/michigan-skeel.pdf\">here<\/a>.<\/p>\n<p><em>The Rise and Fall of Efficiency in the Common Law: A Supply-Side Analysis<\/em>, 97 Northwestern L. Rev. 1551 (2003), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/northwestern-rise-fall.pdf\">here<\/a>, <em>reprinted in<\/em> THE EVOLUTION OF EFFICIENT COMMON LAW (Paul H. Rubin ed., 2007).<\/p>\n<p><em>The Rule of Law, Freedom, and Prosperity<\/em>, 10 Supreme Court Economic Review 1 (2003), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/scer.pdf\">here<\/a>.<\/p>\n<p><em>Competition Policy and Regulatory Reforms: Means and Ends<\/em>, <em>in<\/em> How Should Competition Policy Transform Itself? Designing the New Competition Policy (2003), <em>also available at<\/em> CPRC Discussion Paper Series, Fair Trade Commission of Japan Competition Policy Research Center (2003), <em>available on-line<\/em> <a href=\"http:\/\/www.ftc.gov\/speeches\/other\/031120zywickijapanspeech.pdf\">here<\/a>.<\/p>\n<p><em>Baptists?\u00a0 The Political Economy of Environmental Interest Groups<\/em>, 53 Case Western Reserve Law Review 315 (2002) (symposium on Bjorn Lomborg, The Skeptical Environmentalist: Measuring the Real State of the World (2001)), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/baptists.pdf\">here<\/a>.<\/p>\n<p><em>Corporate Law Practice<\/em>, <em>in<\/em> The Oxford Companion to American Law (Kermit Hall ed., 2002).<\/p>\n<p><em> Bankruptcy Law As Social Legislation<\/em>, 5 Tex. Rev. L. &amp; Politics 393 (2001), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/bankruptcy-social-legislation.pdf\">here<\/a>.<\/p>\n<p><em> The Law of Presidential Transitions and the 2000 Election<\/em>, 2001 BYU L. Rev. 1573 (2001), <em> available<\/em><a href=\"http:\/\/lawreview.byu.edu\/archives\/2001\/4\/Zyw3.pdf\"> here<\/a>.<\/p>\n<p><em> Evolutionary Psychology and the Social Sciences<\/em>, 13 <em>Humane Studies Review<\/em>, Issue 1 (Fall 2000), On-Line Journal <em>available<\/em> <a href=\"http:\/\/www.theihs.org\/libertyguide\/hsr\/hsr.php\/36.html\">here<\/a>.<\/p>\n<p><em> With Apologies to Screwtape: A Response to Professor Alexander<\/em>, 9 J. Bankr. L. &amp; Practice 613 (2000),\u00a0<em>available<\/em> <a href=\"https:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2024\/08\/WITH-APOLOGIES-TO-SCREWTAPE-A-RESPONSE-TO-PROFESSOR-ALEXANDER-pdf-version.pdf\">here<\/a>.<\/p>\n<p>Book Review Essay, Bruce G. Carruthers &amp; Terence C. Halliday, Rescuing Business: The Making of Corporate Bankruptcy Law in England and the United States, 16 Bankr. Dev. J. 361 (2000), <em> available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/bankr-dev-j.pdf\">here<\/a>.<\/p>\n<p><em> The Economics of Credit Cards<\/em> 3 Chapman L. Rev. 79 (2000) (Selected to participate in Chapman Law School \u201cRising Stars in Bankruptcy\u201d symposium), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/econ-cc.pdf\">here<\/a>.<\/p>\n<p><em> Talk is Cheap: The Existence Value Fallacy<\/em> (with Donald J. Boudreaux and Roger E. Meiners), 29 Environmental Law 765 (1999), <em> available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/existence-value.pdf\">here<\/a>.<\/p>\n<p><em> Was Hayek Right about Group Selection After All?<\/em> 13 Rev. of Austrian Econ. 81 (2000), <em>available<\/em> <a href=\"http:\/\/www.gmu.edu\/rae\/archives\/VOL13_1_2000\/zywicki.pdf\">here<\/a>.<\/p>\n<p><em> Industry and Environmental Lobbyists: Enemies or Allies?<\/em> <em>in<\/em> The Common Law and the Environment: Rethinking the Statutory Basis for Modern Environmental Law 185 (Roger E. Meiners and Andrew P. Morris eds. 2000).<\/p>\n<p><em>Finding the Constitution: An Economic Analysis of Tradition\u2019s Role in Constitutional Decision-Making<\/em> (with A.C. Pritchard) 77 N. C. L. Rev. 409 (1999), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/finding.pdf\">here<\/a>.<\/p>\n<p><em>Constitutions and Spontaneous Orders: A Response to McGinnis\u2019s \u201cIn Praise of Decentralized Traditions and their Preconditions\u201d<\/em> (with A.C. Pritchard), 77 N. C. L. Rev. 537 (1999), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/mcginnis.pdf\">here<\/a>.<\/p>\n<p><em>Environmental Externalities and Political Externalities: The Political Economy of Environmental Regulation and Reform<\/em>, 73 Tulane L. Rev. 845 (1999), <em> available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/environmental-externalities.pdf\">here<\/a>.<\/p>\n<p><em>Rewrite the Bankruptcy Code, Not the Scriptures: Protecting a Debtor\u2019s Right to Tithe in Bankruptcy<\/em>, 1998 Wisconsin L. Rev. 1223 (1998), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/rewrite.pdf\">here<\/a>.<\/p>\n<p><em>It\u2019s Time for Means Testing<\/em> (with Judge Edith H. Jones), 1999 BYU L. Rev. 177 (1999), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/means-testing.pdf\"> here<\/a>.<\/p>\n<p><em>The Nature of the State and the State of Nature: A Comment on Grady and McGuire\u2019s \u201cThe Nature of Constitutions<\/em>,\u201d 1 J. Bioeconomics 241 (1999) (Symposium: The State and the Ethnic Group: The Bioeconomics of Economic Organizations), <em> available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/bioeconomics.pdf\">here<\/a>.<\/p>\n<p><em> Mend It, Don\u2019t End It: The Case for Retaining the Disinterestedness Requirement for Debtor in Possession\u2019s Counsel<\/em>, 18 Miss. Col L. Rev. 291 (1998) (Symposium on Bankruptcy Law).<\/p>\n<p><em> Of Bubbling Pots and Bankruptcy Conflicts: A Reply to Smith and Wolfram<\/em>, 18 Miss. Col L. Rev. 399 (1998).<\/p>\n<p><em> Beyond the Shell and Husk of History: The History of the Seventeenth Amendment and Its Implications for Current Reform Proposals<\/em>, 45 Cleveland St. L. REV. 165 (1997) (solicited article),<em> available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/Cleveland-State-Senators.pdf\">here<\/a>.<\/p>\n<p><em> Epstein &amp; Polanyi on Simple Rules, Complex Systems, and Decentralization<\/em>, 9 Const. Pol. Econ. 143 (1998), <em> available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/Epstein-Review.pdf\">here<\/a>.<\/p>\n<p><em> A Unanimity-Reinforcing Model of Efficiency in the Common Law: An Institutional Comparison of Common Law and Legislative Solutions to Large-Number Externality Problems<\/em>, 46 Case Western Reserve L. Rev. 961 (1996),<em> available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/Unanimity-Reinforcing.pdf\">here<\/a>.<\/p>\n<p><em> Senators and Special Interests: A Public Choice Analysis of the Seventeenth Amendment<\/em>, 73 Oregon L. Rev. 1007 (1994),<em> available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/Oregon-Senators.pdf\">here<\/a>.<\/p>\n<p><em>Federal Judicial Review of State Ballot Access Regulation: Escape from the Political Thicket<\/em>, 20 T. Marshall L. Rev. 87 (1994), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/ballot-access.pdf\">here<\/a>.<\/p>\n<p><em> Cramdown and the Code: Calculating Cramdown Interest Rates Under the Bankruptcy Code<\/em>, 19 T. Marshall L. Rev. 241 (1994), <em>available<\/em> <a href=\"cramdown.pdf\">here<\/a>.<\/p>\n<h4>SHORTER PUBLICATIONS<\/h4>\n<p><em>The Western Canon<\/em>, MODERN AGE 53 (Spring 2021), <em>available<\/em> <a href=\"https:\/\/isi.org\/modern-age\/the-western-canon\/\">here<\/a>.<\/p>\n<p><em>Consumer Protection at the FTC and the CFPB<\/em> (with James C. Cooper &amp; Timothy J. Muris), Regulatory Transparency Project of the Federalist Society (Nov. 16, 2017), <em>available<\/em> <a href=\"https:\/\/regproject.org\/wp-content\/uploads\/RTP-Antitrust-Consumer-Protection-Working-Group-Paper-Consumer-Protection.pdf\"> here<\/a>.<\/p>\n<p><em>The Economics and Regulation of Bank Overdraft Protection<\/em> (with Nick Tuszynski), 13 ENGAGE 85 (2012).<\/p>\n<p><em>Repeal the Seventeenth Amendment and Restore the Founders&#8217; Design<\/em>, 12(2) ENGAGE 88 (Sept. 2011), <em>available<\/em> <a href=\"http:\/\/www.fed-soc.org\/publications\/detail\/ramifications-of-repealing-the-17th-amendment\"> here<\/a>.<\/p>\n<p><em>Anna Nicole Smith Goes Shopping: The New Forum-Shopping Problem in Bankruptcy<\/em> (with G. Marcus Cole), 11 ENGAGE 57 (2010).<\/p>\n<p><em>America&#8217;s Debt Paranoia<\/em>, 59(8) THE FREEMAN (October 2009), <em>available <\/em><a href=\"http:\/\/www.thefreemanonline.org\/featured\/americas-debt-paranoia\/\"> here<\/a>.<\/p>\n<p><em>Mercatus Reports: Subprime Mortgage Lending<\/em> (with Joseph Adamson), 30(2) REGULATION 5 (Summer 2007), <em>available <\/em> <a href=\"http:\/\/www.cato.org\/pubs\/regulation\/regv30n2\/v30n2-mercreport.pdf#page=2\"> here<\/a>.<\/p>\n<p><em>A Comment on the Proposed Statement on Subprime Mortgage Lending<\/em> (with Joseph Adamson), 8(3) ENGAGE 62 (June 2007), <em>available<\/em> <a href=\"http:\/\/www.fed-soc.org\/doclib\/20070705_Engage8.3(June2007).pdf\">here<\/a>.<\/p>\n<p><em>Mercatus Reports: Advertising To Children<\/em> (with Joe Adamson), 30(1) REGULATION 3 (Spring 2007), <em>available<\/em> <a href=\"http:\/\/www.cato.org\/pubs\/regulation\/regv30n1\/v30n1-mercreport.pdf\">here<\/a>.<\/p>\n<p><em>Foreword to Symposium on Bankruptcy Law<\/em>, 18 Miss. Col. L. Rev. 281 (1998).<\/p>\n<p><em>The Bankruptcy Rules: 1994, in <\/em>1995-96 Annual Survey of Bankruptcy Law 1111 (William L. Norton, Jr. ed., 1995) (co-authored with Matthew W. Levin).<\/p>\n<p>Book Review, Robert Wright, Nonzero: The Logic of Human DestinY, 51(4) Ideas on LIBERTY 61 (2001),<em> available<\/em> <a href=\"http:\/\/www.fee.org\/publications\/the-freeman\/article.asp?aid=3033\">here<\/a>.<\/p>\n<p>Book Review, Gregory S. Alexander, Commodity and Propriety: Competing Visions of Property in American Legal Thought, 4 Independent Rev. 147 (1999), <em>available<\/em> <a href=\"http:\/\/www.independent.org\/publications\/tir\/article.asp?issueID=25&amp;articleID=306\"> here<\/a>.<\/p>\n<p>Book Review, Jeremy Shearmur, Beyond Hayek, 11 Const. Pol. Econ. 205 (2000), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/shearmur-review.pdf\">here<\/a>.<\/p>\n<p>Book Review, Bruce yandle, Common Law and Common Sense for the Environment, 9 Const. Pol. Econ. 349 (1998), <em>available <\/em><a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/yandle-review.pdf\">here<\/a>.<\/p>\n<p>Book Review, Cass R. Sunstein, Legal Reasoning and Political Conflict, 8 Const. Pol. EcoN. 355 (1997), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/sunstein-review.pdf\">here.<\/a><\/p>\n<p>Book Review, C.H. Hoebeke, The Road to Mass Democracy: Original Intent and the Seventeenth Amendment, 1 Independent Review 439 (1996), <em>available<\/em> <a href=\"http:\/\/www.independent.org\/publications\/TIR\/article.asp?issueID=35&amp;articleID=450\"> here<\/a>.<\/p>\n<h4>WORKING PAPERS<\/h4>\n<p><em> Wine Wars: The 21<sup>st<\/sup> Amendment and Discriminatory Bans to Direct Shipment of Wine<\/em>, <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=604803\">here<\/a>.<\/p>\n<p><em>Why So Many Bankruptcies and What to Do About It: An Economic Analysis of Consumer Bankruptcy Law and Bankruptcy Reform<\/em>, <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=454121\">here<\/a>.<\/p>\n<p><em>Public Choice and Tort Reform<\/em>, George Mason Law and Economics Research Paper 00-36 (October 2000), <em>available<\/em> <a href=\"http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=244658\">here<\/a>.<\/p>\n<h4>COMMENTARY<\/h4>\n<p><em>Why I&#8217;m Suing Over My Employer&#8217;s Vaccine Mandate<\/em>, WALL ST. J. (Aug. 6, 2021),\u00a0<em>available<\/em> <a href=\"https:\/\/www.wsj.com\/articles\/vaccine-mandate-natural-immunity-lawsuit-covid-19-coronavirus-11628281507\">here<\/a>.<\/p>\n<p><em>The CFPB Could be a Force for Good<\/em>, WALL ST. J. (Feb. 19, 2018), <em> available<\/em> <a href=\"https:\/\/www.wsj.com\/articles\/the-cfpb-could-be-a-force-for-good-1519070012\"> here<\/a>.<\/p>\n<p><em>Durbin\u2019s Debit-Card Price Controls Hit the Poor Hardest<\/em>(with Julian Morris), WALL ST. J. (May 1, 2017), <em>available<\/em> <a href=\"https:\/\/www.wsj.com\/articles\/durbins-debit-card-price-controls-hit-the-poor-hardest-1493678835\"> here<\/a>.<\/p>\n<p><em>The Constitution Says Nothing About Behavioral Economics<\/em> (with Geoffrey A. Manne), WALL ST. J. (Mar. 9, 2017), <em>available<\/em> <a href=\"https:\/\/www.wsj.com\/articles\/the-constitution-says-nothing-about-behavioral-economics-1484007499\"> here<\/a>.<\/p>\n<p><em>Credit is a Powerful Tool for American Families<\/em> (with Thomas A. Durkin), WASHINGTON POST (April 17, 2015), <em>available <\/em> <a href=\"http:\/\/www.washingtonpost.com\/news\/get-there\/wp\/2015\/04\/17\/credit-is-a-powerful-tool-for-american-families\/?postshare=7691429293819131\"> here<\/a>.<\/p>\n<p><em>Overdraft Protection Rules Could Hurt Consumers More Than They Help<\/em> (with G. Michael Flores), AMERICAN BANKER (November 24, 2014), <em>available<\/em> <a href=\"http:\/\/www.americanbanker.com\/bankthink\/overdraft-protection-rules-could-hurt-consumers-more-than-they-help-1071368-1.html\"> here<\/a>.<\/p>\n<p><em>A Nobel Economist&#8217;s Caution About Government: Friedrich Hayek Warned that Intervening can Make Things Worse. ObamaCare and Dodd-Frank, Anyone? <\/em>(with Donald J. Boudreaux), WALL STREET JOURNAL, page A15 (Oct. 13, 2014), <em> available <\/em> <a href=\"http:\/\/online.wsj.com\/articles\/donald-boudreaux-and-todd-zywicki-a-nobel-economists-caution-about-government-1413150678\"> here<\/a>.<\/p>\n<p><em>The new EU price controls that will hold back a cashless future&#8211;and hit the poor<\/em> (with Geoffrey Manne and Julian Morris), CITY A.M. (London, England) (June 9, 2014), <em>available<\/em> <a href=\"http:\/\/www.cityam.com\/article\/1402284548\/new-eu-price-controls-will-hold-back-cashless-future-and-hit-poor\"> here<\/a>.<\/p>\n<p><em>If you want to whiten the economy, payments should be made electronically<\/em>, ZIARUL FINANCIAR (Bucharest, Romania) (May 13, 2014), <em>available<\/em> <a href=\"http:\/\/www.zf.ro\/opinii\/daca-vreti-sa-albiti-economia-platile-trebuie-sa-se-faca-electronic-12622964\"> here<\/a> (translation <em>available <\/em> <a href=\"Romania-oped-Ziarul-Financial.doc\">here<\/a>).<\/p>\n<p><em>America&#8217;s Taxpayers Lost Big in UAW Bailout<\/em> (with James Sherk), DETROIT NEWS (June 26, 2012), <em>available<\/em> <a href=\"http:\/\/www.detroitnews.com\/article\/20120626\/OPINION01\/206260319\/Commentary-America-s-taxpayers-lost-big-UAW-bailout?odyssey=mod|newswell|text|FRONTPAGE|s\"> here<\/a>.<\/p>\n<p><em>Obama&#8217;s United Auto Workers Bailout<\/em> (with James Sherk), WALL ST. J., page A19 (June 13, 2012), <em>available<\/em> <a href=\"http:\/\/online.wsj.com\/article\/SB10001424052702303768104577462650268680454.html\"> here<\/a>.<\/p>\n<p><em>Spongebob Squarepants&#8217; Last Stand<\/em>, WALL ST. J., page A11 (April 13, 2012), <em>available<\/em> <a href=\"http:\/\/online.wsj.com\/article\/SB10001424052702304444604577339643514031030.html\"> here<\/a>.<\/p>\n<p><em>The Robo-Signing Settlement: Seeds of Recovery or Chaos?<\/em>, FORBES.COM (Feb. 20, 2012), <em>available<\/em> <a href=\"http:\/\/www.forbes.com\/sites\/realspin\/2012\/02\/20\/the-robo-signing-settlement-seeds-of-recovery-or-chaos\/\"> here<\/a>.<\/p>\n<p><em>Set Interac Free: Burdensome Federal Regulations Discourage Innovation<\/em>, NATIONAL POST, (Dec. 19, 2011), <em>available<\/em> <a href=\"http:\/\/opinion.financialpost.com\/2011\/12\/19\/set-interac-free\/\">here<\/a>.<\/p>\n<p><em>It&#8217;s Time to Finalize the Robo-Signing Settlement<\/em>, FORBES.COM (OCT. 17, 2011), <em>available<\/em> <a href=\"http:\/\/www.forbes.com\/sites\/realspin\/2011\/10\/17\/its-time-to-finalize-the-robo-signing-settlement\/\"> here<\/a>.<\/p>\n<p><em>The Dick Durbin Bank Fees<\/em>, WALL STREET JOURNAL, page A15 (Sept. 30, 2011), <em>available<\/em> <a href=\"http:\/\/online.wsj.com\/article\/SB10001424052970204831304576597173130633798.html\"> here<\/a>.<\/p>\n<p><em>The Truth About the Auto Bailouts<\/em>, REAL CLEAR POLITICS (July 13, 2011), <em>available<\/em> <a href=\"http:\/\/www.realclearpolitics.com\/articles\/2011\/07\/13\/the_truth_about_the_auto_bailouts_110558.html\"> here<\/a>.<\/p>\n<p><em>Durbin&#8217;s Innovation Killer: The Durbin Amendment would Raise Costs for Consumers, Increase Fraud, and Kill Innovation<\/em>, THE AMERICAN (June 11, 2011), <em> available<\/em> <a href=\"http:\/\/www.aei.org\/publication\/durbins-innovation-killer\/\">here<\/a>.<\/p>\n<p><em>Lender Punishment Mustn&#8217;t Reward Defaulters: Forced Principal Reduction is the Wrong Solution to the Foreclosure Fiasco<\/em>, WASHINGTON TIMES, p. B3 (June 9, 2011), <em>available <\/em> <a href=\"http:\/\/www.washingtontimes.com\/news\/2011\/jun\/9\/lender-punishment-mustnt-reward-defaulters\/\"> here<\/a>.<\/p>\n<p><em>Deutsche Bank a Scapegoat for Bad Housing Policy<\/em>, FORBES.COM (May 11, 2011), <em> available<\/em> <a href=\"http:\/\/www.forbes.com\/2011\/05\/11\/deutsche-bank-scapegoat.html\">here<\/a>.<\/p>\n<p><em>Bureau of Consumer Protection Must Put Consumers First<\/em>, WASHINGTON TIMES, page B3 (May 6, 2011), <em>available<\/em> <a href=\"http:\/\/www.washingtontimes.com\/news\/2011\/may\/6\/bureau-of-consumer-protection-must-put-consumers-f\/\"> here<\/a>.<\/p>\n<p><em>Roar of the Lion Father: Parenting for Creativity Beats Parenting for Performance<\/em>, WASHINGTON TIMES, page B1 (Jan. 25, 2011), <em>available<\/em> <a href=\"http:\/\/www.washingtontimes.com\/news\/2011\/jan\/25\/roar-of-the-lion-father\/\"> here<\/a>.<\/p>\n<p><em>Anna Nicole Smith Case Offers Court Opportunity to Limit Forum-Shopping in Bankruptcy Cases<\/em>, NATIONAL LAW JOURNAL (Jan. 11, 2011), <em>available<\/em> <a href=\"http:\/\/www.law.com\/jsp\/nlj\/PubArticleNLJ.jsp?id=1202477704637\">here<\/a>.<\/p>\n<p><em> Dodd-Frank and the Return of the Loan Shark<\/em>, WALL STREET JOURNAL, page A17 (Jan. 4, 2011), <em>available<\/em> <a href=\"http:\/\/online.wsj.com\/article\/SB10001424052748704735304576058211789874804.html\"> here<\/a>.<\/p>\n<p><em>Repeal the Seventeenth Amendment<\/em>, NATIONAL REVIEW 20 (Nov. 15, 2010), <em>available<\/em> <a href=\"http:\/\/www.nationalreview.com\/articles\/252825\/repeal-seventeenth-amendment-todd-zywicki\"> here<\/a>.<\/p>\n<p><em>The Next Hot Ticket in Financial Reform<\/em> (with John Morrall and Richard Williams), REUTERS (Oct. 8, 2010), <em>available<\/em> <a href=\"http:\/\/blogs.reuters.com\/great-debate\/2010\/10\/08\/the-next-hot-ticket-in-financial-reform\/\"> here<\/a>.<\/p>\n<p><em>In Elizabeth Warren We Trust?<\/em> WALL STREET JOURNAL, page A25 (Sept. 30, 2010), <em>available<\/em> <a href=\"http:\/\/online.wsj.com\/article\/SB10001424052748704523604575512060220672440.html\"> here<\/a>.<\/p>\n<p><em>How Public Employee Pensions are Too Rich for New York&#8217;s&#8211;and America&#8217;s&#8211;Blood<\/em>, NEW YORK DAILY NEWS (Aug. 8, 2010), <em>available<\/em> <a href=\"http:\/\/www.nydailynews.com\/opinions\/2010\/08\/08\/2010-08-08_how_public_worker_pensions_are.html\"> here<\/a>.<\/p>\n<p><em>Durbin&#8217;s Antitrust Fantasies: Flawed Economics Behind Democrats Price Control Plan<\/em> (with Josh Wright), WASHINGTON TIMES, page B4 (June 17, 2010), <em>available<\/em> <a href=\"http:\/\/www.washingtontimes.com\/news\/2010\/jun\/17\/durbins-antitrust-fantasies\/?page=1\"> here<\/a>.<\/p>\n<p><em>Why Aren&#8217;t Banks Lending? Because Bureaucrats and Politicians Won&#8217;t Let Them<\/em>, WASHINGTON TIMES, page B1 (June 10, 2010), <em>available<\/em> <a href=\"http:\/\/www.washingtontimes.com\/news\/2010\/jun\/8\/why-arent-banks-lending\/\"> here<\/a>.<\/p>\n<p><em>Durbin Regulations are Aimed at Your Wallet: They&#8217;ll Cost us <strong>All <\/strong>Money and Convenience<\/em>, WASHINGTON TIMES, page B1 (June 3, 2010), <em>available<\/em> <a href=\"http:\/\/www.washingtontimes.com\/news\/2010\/jun\/2\/durbin-regulations-are-aimed-at-your-wallet\/\"> here<\/a>.<\/p>\n<p><em>Stripper Searches for Loot Loophole<\/em>, WASHINGTON TIMES, page B3 (Feb. 26, 2010), <em> available <\/em> <a href=\"http:\/\/www.washingtontimes.com\/news\/2010\/feb\/26\/stripper-searches-for-loot-loophole\/\"> here<\/a>.<\/p>\n<p><em>Complex Loans Didn&#8217;t Cause the Crisis<\/em>, WALL STREET JOURNAL, page A18 (Feb. 18, 2010), <em>available<\/em> <a href=\"http:\/\/online.wsj.com\/article\/SB10001424052748704804204575069102749893246.html\"> here<\/a>.<\/p>\n<p><em>Will Congress Take Another Swipe at Credit Cards?<\/em>, WALL STREET JOURNAL, page A17 (Jan. 5, 2010),<em> available<\/em> <a href=\"http:\/\/online.wsj.com\/article\/SB10001424052748704905704574622722184163510.html\"> here<\/a>.<\/p>\n<p><em>America&#8217;s Debt Paranoia<\/em>, 59(8) THE FREEMAN (October 2009), <em> available <\/em> <a href=\"http:\/\/www.thefreemanonline.org\/featured\/americas-debt-paranoia\/\">here<\/a>.<\/p>\n<p><em>Check that Checkbook: A Guide to Smarter Alumni Giving<\/em>, NATIONAL REVIEW page A43 (Oct. 5, 2009), <em>available<\/em> <a href=\"http:\/\/sls.gmu.edu\/todd-zywicki\/wp-content\/uploads\/sites\/51\/2019\/09\/National-Review.pdf\"> here<\/a>.<\/p>\n<p><em>Obama&#8217;s Ailing Popularity<\/em>, FORBES.COM (August 21, 2009), <em>available <\/em> <a href=\"http:\/\/www.forbes.com\/2009\/08\/20\/obama-health-care-popularity-opinions-contributors-obamacare.html\"> here<\/a>.<\/p>\n<p><em>Let&#8217;s Treat Borrowers Like Adults: The Problems with a Financial Products Safety Panel<\/em>, WALL STREET JOURNAL, page A17 (July 8, 2009), <em>available<\/em> <a href=\"http:\/\/online.wsj.com\/article\/SB124701284222009065.html\">here<\/a>.<\/p>\n<p><em>Chrysler and the Rule of Law<\/em>, WALL STREET JOURNAL, page A19 (May 13, 2009), <em>available <\/em> <a href=\"http:\/\/online.wsj.com\/article\/SB124217356836613091.html\">here<\/a>.<\/p>\n<p><em>Low Rates Led to ARMs<\/em>, WALL STREET JOURNAL, page A18, (March 26, 2009), <em>available<\/em> <a href=\"http:\/\/online.wsj.com\/article\/SB123811225716453243.html\">here<\/a>.<\/p>\n<p><em>My Favorite President: Calvin Coolidge<\/em>, NATIONAL REVIEW ON-LINE (February 16, 2009), <em>available <\/em> <a href=\"http:\/\/article.nationalreview.com\/print\/?q=MTdjYTc2NmRkNDJkNTUzMTVmYjYxNmU5YjEwNjQxMzU=\"> here<\/a>.<\/p>\n<p><em>Don&#8217;t Let Judges Tear Up Mortgage Contracts<\/em>, WALL STREET JOURNAL, page A13 (February 13, 2009), <em>available<\/em> <a href=\"http:\/\/online.wsj.com\/article\/SB123449016984380499.html\">here<\/a>.<\/p>\n<p><em>Bankruptcy is the Perfect Remedy for Detroit<\/em>, WALL STREET JOURNAL, page A21 (December 16, 2008), <em>available<\/em> <a href=\"http:\/\/online.wsj.com\/article\/SB122939117718809261.html\">here<\/a>.<\/p>\n<p><em>The Two-Income Tax Trap<\/em>, WALL STREET JOURNAL, page A17 (August 14, 2007), <em>available<\/em> <a href=\"http:\/\/online.wsj.com\/article\/SB118705537958296783.html?mod=opinion_main_commentaries\"> here<\/a>.<\/p>\n<p><em>Junk Social Science Index<\/em>, WASHINGTON TIMES (July 26, 2007), <em> available<\/em> <a href=\"http:\/\/www.washingtontimes.com\/article\/20070726\/COMMENTARY\/107260002\/1012\"> here<\/a>.<\/p>\n<p><em>A Great Mind? Miers Might Vote Right, But What the Court Truly Needs Is Intellectual Leadership<\/em>, LEGAL TIMES (October 10, 2005), <em>available<\/em> <a href=\"wp-content\/uploads\/sites\/51\/2019\/09\/Legal-Times-Mier-Op-Ed.pdf\">here<\/a>.<\/p>\n<p><em>Self-Selection or Political Bias?<\/em> 38(8) AMERICAN SPECTATOR 48 (Oct. 2005).<\/p>\n<p><em>Rebalancing the Bankruptcy Code<\/em>, JURIST (August 18, 2005), <em>available<\/em> <a href=\"http:\/\/jurist.law.pitt.edu\/forumy\/2005\/08\/rebalancing-bankruptcy-code.php\"> here<\/a>.<\/p>\n<p><em>Credit Worthy<\/em>, NATIONAL REVIEW ON-LINE (March 16, 2005), <em>available<\/em> <a href=\"http:\/\/www.nationalreview.com\/comment\/zywicki200503160744.asp\">here.<\/a><\/p>\n<p><em>Bankrupt Criticisms<\/em>, NATIONAL REVIEW ON-LINE (March 15, 2005), <em>available <\/em> <a href=\"http:\/\/www.nationalreview.com\/comment\/zywicki200503150744.asp\">here<\/a>.<\/p>\n<p><em>Reforming Bankruptcy Laws: Changes Will Help Everyone<\/em>, SAN DIEGO UNION-TRIBUNE (March 17, 2005), <em>available <\/em> <a href=\"http:\/\/www.signonsandiego.com\/uniontrib\/20050317\/news_lz1e17zywicki.html\"> here<\/a>.<\/p>\n<p><em>Deadbeats Cost All of Us Dearly<\/em>, USA TODAY, page 17A (June 22, 2000).<\/p>\n<hr align=\"center\" noshade=\"noshade\" width=\"60%\" \/>\n<h3><a name=\"wp\"><\/a>George Mason <strong>Working Papers<\/strong><\/h3>\n<p>SSRN Author Page: <a href=\"http:\/\/papers.ssrn.com\/sol3\/cf_dev\/AbsByAuth.cfm?per_id=141468\"> http:\/\/papers.ssrn.com\/sol3\/cf_dev\/AbsByAuth.cfm?per_id=141468<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Scholarly Publications Books Editor, UNPROFITABLE SCHOOLING: EXAMINING CAUSES OF, AND FIXES FOR, AMERICA&#8217;S BROKEN IVORY TOWER (with Neal McCluskey) (Cato Press, 2019) (Amazon.com). LAW AND ECONOMICS: PRIVATE AND PUBLIC (with Maxwell L. Stearns and Thomas J. Micelli) (West, 2018) (Amazon.com,Westlaw). TEACHER&#8217;S MANUAL TO LAW AND ECONOMICS: PUBLIC AND PRIVATE (with Maxwell L. Stearns and Thomas &hellip; <a href=\"https:\/\/sls.gmu.edu\/todd-zywicki\/publications\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Publications&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-20","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/sls.gmu.edu\/todd-zywicki\/wp-json\/wp\/v2\/pages\/20","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sls.gmu.edu\/todd-zywicki\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sls.gmu.edu\/todd-zywicki\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sls.gmu.edu\/todd-zywicki\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sls.gmu.edu\/todd-zywicki\/wp-json\/wp\/v2\/comments?post=20"}],"version-history":[{"count":4,"href":"https:\/\/sls.gmu.edu\/todd-zywicki\/wp-json\/wp\/v2\/pages\/20\/revisions"}],"predecessor-version":[{"id":343,"href":"https:\/\/sls.gmu.edu\/todd-zywicki\/wp-json\/wp\/v2\/pages\/20\/revisions\/343"}],"wp:attachment":[{"href":"https:\/\/sls.gmu.edu\/todd-zywicki\/wp-json\/wp\/v2\/media?parent=20"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}