{"id":24,"date":"2019-09-17T18:12:28","date_gmt":"2019-09-17T18:12:28","guid":{"rendered":"http:\/\/sls.gmu.edu\/todd-zywicki\/?page_id=24"},"modified":"2026-02-10T18:20:04","modified_gmt":"2026-02-10T23:20:04","slug":"curriculum-vitae","status":"publish","type":"page","link":"https:\/\/sls.gmu.edu\/todd-zywicki\/curriculum-vitae\/","title":{"rendered":"Curriculum Vitae"},"content":{"rendered":"

Professor Todd J. Zywicki\u2019s Curriculum Vitae<\/h2>\n

EDUCATION<\/strong><\/p>\n

UNIVERSITY OF VIRGINIA SCHOOL OF LAW<\/strong>
\nJ.D., 1993
\nExecutive Editor, Virginia Tax Review.
\nJohn M .<\/strong> Olin Scholar in Law and Economics.<\/p>\n

CLEMSON UNIVERSITY<\/strong>
\nM.A. Economics, 1990.
\nH.W. Close Fellow in College of Commerce and Industry.<\/p>\n

DARTMOUTH COLLEGE<\/strong>
\nA.B. cum Laude with High Honors in Government Major, 1988.
\nRufus Choate Scholar.
\nThree Citations for Exceptional Class Performance.<\/p>\n

EXPERIENCE<\/strong><\/p>\n

MEMBER OF UNITED STATES DELEGATION, OECD GLOBAL FORUM ON CONSUMER POLICY (2025-present)<\/strong><\/p>\n

VISITING FELLOW IN CONSERVATIVE THOUGHT AND POLICY, BENSON CENTER FOR THE STUDY OF WESTERN CIVILIZATION, UNIVERSITY OF COLORADO, BOULDER, CO FALL 2023<\/strong><\/p>\n

CHAIR, CONSUMER FINANCIAL PROTECTION BUREAU TASKFORCE ON FEDERAL CONSUMER FINANCIAL LAW, WASHINGTON, DC, 2020-2021<\/strong><\/p>\n

GEORGE MASON UNIVERSITY SCHOOL OF LAW, ARLINGTON, VIRGINIA, 1998-PRESENT<\/strong><\/p>\n

Executive Director, Law & Economics Center, 2015-2017
\nGeorge Mason University Foundation Professor of Law, 2009-present; Professor of Law, 2002-2009
\nAssociate Professor, 2000-2002
\nAssistant Professor, 198-2000
\nMy areas of research and instruction include Sales Law, Consumer Protection, Consumer Financial Protection, Bankruptcy, Contracts, Public Choice & Law, Law & Economics.<\/p>\n

SENIOR FELLOW, CATO INSTITUTE, WASHINGTON, DC, 2018-2021<\/strong><\/p>\n

CHINA UNIVERSITY OF POLITICAL SCIENCE AND LAW, BEIJING, CHINA SUMMER 2019<\/strong><\/p>\n

Visiting Professor. Taught Law & Economics.<\/p>\n

VANDERBILT UNIVERSITY SCHOOL OF LAW, NASHVILLE, TENNESSEE, FALL 2007<\/strong><\/p>\n

Visiting Professor of Law. Taught Contracts.<\/p>\n

GEORGETOWN UNIVERSITY LAW CENTER, AUGUST 2004-MAY 2005.<\/strong><\/p>\n

Visiting Professor of Law. Taught Contracts, Bankruptcy, and Law & Public Choice.<\/p>\n

DIRECTOR, OFFICE OF POLICY PLANNING, FEDERAL TRADE COMMISSION, MAY 2003-JULY 2004.<\/strong><\/p>\n

Director of Federal Trade Commission\u2019s policy office (SES Appointment). Responsible for helping to conceive and execute policies and priorities of Commission on issues of Consumer Protection, Competition, and Competition Advocacy.<\/p>\n

BOSTON COLLEGE SCHOOL OF LAW, BOSTON, MASSACHUSETTS, JANUARY-MAY 2002.<\/strong><\/p>\n

Visiting Professor of Law. Taught Law & Economics and Bankruptcy Law.<\/p>\n

MISSISSIPPI COLLEGE SCHOOL OF LAW, JACKSON, MISSISSIPPI, AUGUST 1996-MAY 1998.<\/strong><\/p>\n

Assistant Professor of Law. Taught Business Associations, Secured Transactions, Business Planning, and Sales.<\/p>\n

ALSTON & BIRD, ATLANTA, GEORGIA, 1994-1996.<\/strong><\/p>\n

Representations included SportsTown, Inc., Chapter 11 Debtor in Possession; Sonic Communications, Inc., Chapter 11 Operating and Chapter 7 Trustee; Krystal Corp., Unsecured Creditors Committee; and a variety of secured and unsecured creditors in federal bankruptcy and state collection proceedings.<\/p>\n

LAW CLERK TO HON. JUDGE JERRY E. SMITH, UNITED STATES COURT OF APPEALS FOR THE FIFTH CIRCUIT, HOUSTON, TEXAS, 1993-1994.<\/strong><\/p>\n

SUMMER LAW CLERK FOR HON. JUDGE ALEX KOZINSKI, UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT, PASADENA, CALIFORNIA, 1991.<\/strong><\/p>\n

HONORS AND AWARDS<\/em> <\/strong><\/p>\n

Heritage Foundation Freedom and Opportunity Prize (2024).<\/p>\n

Chair, Association of American Law Schools Section on Law & Economics (2019).
\nInvited Lecture, Jack R. Lee Chair of Financial Institutions and Consumer Finance Lecture at Mississippi State University School of Business (October 11, 2013).
\nInvited Lecture, George Mason University Vision Series (April 8, 2013).
\nWinner, 2012 Society for Development of Austrian Economics Prize for Best Article in Austrian Economics (announcement here<\/a> ).
\nGeorge Mason University Foundation Professor of Law (2009-present).
\nInvited Lecture, Dean Lindsey Cowen Lecture in Business Law and Regulation Presented by the Center for Business Law and Regulation at Case Western Reserve University School of Law (March 3, 2011), video available<\/em> here<\/a> .
\nInstitute for Humane Studies Charles G. Koch Outstanding IHS Alum Award<\/a> (2009).
\nSearle Fellow, George Mason University (Fall 2008).
\nSenior Fellow, Goldwater Institute (2008-present).
\nGlenn Campbell and Rita Ricardo-Campbell National Fellow and the Arch W. Shaw National Fellow at the Hoover Institution on War, Revolution and Peace (Fall 2008).
\nSenior Scholar, Mercatus Center at George Mason University (2005-present).
\nSenior Fellow, Senior Fellow at the F.A. Hayek Program for Advanced Study in Philosophy, Politics and Economics (2005-present) (formerly James M. Buchanan Center for the Study of Political Economy).
\nHonorable Mention American College of Consumer Financial Services Lawyers 2006 writing competition for \u201cAn Economic Analysis of the Consumer Bankruptcy Crisis, 99 NORTHWESTERN L. REV. 1463 (2005).
\nRecipient of 2001 \u201cWin Whittaker Award for Student Development\u201d as Professor of the Year.
\nRecipient of grant from The John Templeton Foundation Freedom Project to teach a course on \u201cThe Rule of Law, Freedom, and Prosperity.\u201d (Co-taught with Peter Boettke, Department of Economics, George Mason University). Fall 2001.
\nRecipient of grant from The John Templeton Foundation Freedom Project to teach a course on \u201cThe Rule of Law and the Legal Foundations of a Free Society.\u201d (Co-taught with Peter Boettke, Department of Economics, George Mason University). Fall 1999.<\/p>\n

TEACHING INTERESTS<\/strong><\/p>\n

Bankruptcy, Contracts, Sales, Secured Transactions, Business Associations, Commercial Law, Payment Systems, Consumer Law, Law & Economics, Public Choice & The Law, .<\/p>\n

RESEARCH INTERESTS<\/strong><\/p>\n

Consumer Financial Law, Consumer Protection, Bankruptcy, Contracts, Banking Law, Law and Economics, Public Choice and the Law, Evolutionary Analysis of Law, Law & Behavioral Economics, Consumer Law, Constitutional Economics, Business Associations.<\/p>\n

LAW SCHOOL AND UNIVERSITY SERVICE<\/strong><\/p>\n

Dean Search Committee (2015, 2020).<\/p>\n

Editor, Supreme Court Economic Review<\/em> (2001-2002, 2006-2017).<\/p>\n

Member of Dean Retention Committee (2001, 2008).
\nMember of Faculty Appointments Committee (1999-2002, 2005-); Clerkship Committee (2000-2002, 2005-).
\nFaculty Advisor, St. Thomas More Catholic Law Students Society (1999-2007).
\nMember of several dissertation committees for Economics Department PhD Candidates.<\/p>\n

CONGRESSIONAL TESTIMONY<\/strong><\/p>\n

United States House of Representatives, Committee on the Judiciary, Select Subcommittee on the Weaponization of the Federal Government (May 1, 2024),\u00a0available here<\/a><\/em>.<\/p>\n

United States Senate Committee on Commerce, Science, and Transportation, Subcommittee on Consumer Protection, Product Safety, and Data Security, “Protecting Consumers From Junk Fees” (June 8, 2023),\u00a0available<\/em> here<\/a>.<\/p>\n

United States Senate Committee on Banking, Housing, and Urban Affairs, “New Consumer Financial Products and the Impacts to Workers” (Sept.13, 2022), available<\/em> here<\/a>.<\/p>\n

Testimony before the United States House of Representative, Committee on Financial Services, Subcommittee on Consumer Protection and Financial Institutions, “The End of Overdraft Fees? Examining the Movement to Eliminate the Fees Costing Consumers Billions” (March 31, 2022),\u00a0available<\/em> here<\/a>.<\/p>\n

Testimony before the United States Senate Committee on Banking, Housing, and Urban Affairs, \u201cExamining Mandatory Arbitration in Financial Services Products\u201d (March 8, 2022), available<\/em> here<\/a>.<\/p>\n

Testimony before the United States House of Representatives, Committee on Financial Services, Subcommittee on Oversight and Investigations, \u201cCashed Out: How a Cashless Economy Impacts Disadvantaged Communities and Peoples\u201d (Oct. 14, 2021), available<\/em> here<\/a>.<\/p>\n

Testimony before the Senate Committee on Banking, Housing, and Urban Affairs, \u201dAssessing the Effects of Consumer Credit Regulations\u201c (Apr. 5, 2016), testimony available<\/em> here<\/a> .<\/p>\n

Testimony before the House Committee on Financial Services, \u201dThe Dodd-Frank Act Five Years Later: Are We Freer?\u201c (Sept. 17, 2015), testimony available<\/em> here<\/a> .<\/p>\n

Testimony before the House Committee on Financial Services, \u201dThe Dodd-Frank Act Five Years Later: Are We More Stable?\u201c (July 9, 2015), testimony available<\/em> here<\/a> .<\/p>\n

Testimony before the House Committee on Oversight and Government Relations, Subcommittee on TARP, Financial Services and Bailouts of Public and Private Programs, \u201dThe Administration\u2019s Auto Bailouts and the Delphi Pension Decisions: Who Picked the Winners and Losers?\u201c (July 10, 2012), testimony available<\/em> here<\/a> , video available<\/em> here<\/a> .<\/p>\n

Testimony before the House Committee on Oversight and Government Relations, Subcommittee on TARP, Financial Services and Bailouts of Public and Private Programs, \u201dWho\u2019s Watching the Watchmen?\u201c (May 24, 2011), testimony available<\/em> here<\/a> .<\/p>\n

Testimony before United States House of Representatives, Committee on Financial Services and Committee on Small Business, \u201dThe Condition of Small Business and Commercial Real Estate Lending in Local Markets,\u201c (Feb. 26, 2010), testimony available<\/em> here<\/a> .<\/p>\n

Testimony before United States House of Representatives, Committee on Financial Services, \u201dBanking Industry Perspectives on the Obama Administration\u2019s Financial Regulatory Reform Proposals\u201c (July 15, 2009), testimony and webcast available<\/em> here<\/a> .<\/p>\n

Testimony before United States House of Representatives, Committee on the Judiciary, Subcommittee on Commercial and Administrative Law, \u201dCircuit City Unplugged: Why Did Chapter 11 Fail to Save 34,000 Jobs?\u201c (March 11, 2009), testimony and webcast available<\/em> here<\/a> .<\/p>\n

Testimony before the United State Senate Committee on Banking, Housing, and Urban Affairs, \u201dModernizing Consumer Protection in the financial Regulatory System: Strengthening Credit Card Protections\u201c (February 12, 2009), available<\/em> here<\/a> .<\/p>\n

Testimony before the United States House of Representatives, Judiciary Committee, Subcommittee on Commercial and Administrative Law, \u201dHearing on Working Families in Financial Crisis: Medical Debt and Bankruptcy\u201c (July 17, 2007), available<\/em> here<\/a> .<\/p>\n

Testimony before the United States House of Representatives, Financial Services Committee, Subcommittee on Financial Institutions and Consumer Credit, \u201dCredit Card Practices: Current Consumer and Regulatory Issues\u201c (April 26, 2007), available<\/em> here<\/a> .<\/p>\n

Testimony before United States Senate, Committee on the Judiciary, Subcommittee on Administrative Oversight and the Courts, \u201dOversight of the Implementation of the Bankruptcy Abuse Prevention and Consumer Protection Act\u201c (December 5, 2006), available<\/em> here<\/a> .<\/p>\n

Testimony before United States Senate, Committee on the Judiciary, \u201cBankruptcy Reform\u201d (February 10, 2005), available<\/em> here<\/a> .<\/p>\n

Testimony before United States House of Representatives, Committee on Commerce, Trade, and Consumer Protection, \u201cE-Commerce: The Case of Online Wine Sales and Direct Shipment\u201d (October 30, 2003).<\/p>\n

Testimony before Federal Judicial Conference Committee on Bankruptcy Rules, \u201cProposed Amendments to the Bankruptcy Rules\u201d (January 26, 2001).<\/p>\n

Testimony before United States House of Representatives, Committee on Government Reform, Subcommittee on Government Management, Information, and Technology, on \u201cTransitioning to a New Administration: Can the Next President Be Ready?\u201d (December 4, 2000).<\/p>\n

Testimony before United States House of Representatives, Committee on the Judiciary, Subcommittee on Commercial and Administrative Law on \u201cPerspectives on Consumer Bankruptcy and the Bankruptcy Reform Act of 1999\u201d (March 17, 1999).<\/p>\n

Testimony before Joint Hearing of the United States Senate, Committee on the Judiciary, Judiciary Subcommittee on Administrative Oversight and the Courts and House of Representatives, Committee on the Judiciary, Subcommittee on Commercial and Administrative Law on \u201cThe Bankruptcy Reform Act of 1999\u201d (March 11, 1999).<\/p>\n

Testimony before United States Senate, Committee on the Judiciary, Judiciary Subcommittee on Administrative Oversight and the Courts on \u201c Bankruptcy Issues in Review: The Bankruptcy Code\u2019s Effect on Religious Freedom and A Review of the Need for Additional Bankruptcy Judgeships\u201d (September 22, 1997).<\/p>\n

PUBLIC INTEREST COMMENTS<\/em> <\/strong><\/p>\n

\u201cThe Way We Should Pay: Comments on \u2018The Way We Pay: Transforming the Canadian Payments System,\u2019\u201d (with Philippe Bergevin) submitted to the Canadian Task Force for Payment Systems Review (Sept. 26, 2011), available<\/em> here<\/a>.<\/p>\n

Public Interest Comment on Proposed Statement on Subprime Mortgage Lending to Office of the Comptroller of the Currency, Treasury (OCC), Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation (FDIC), Office of Thrift Supervision, Treasury (OTS), and the National Credit Union Administration (with Joe Adamson), May 7, 2007 (on behalf of Mercatus Center Regulatory Studies Program), available<\/em> here<\/a> .<\/p>\n

Public Interest Comment on Food Industry Marketing to Children Report to Federal Trade Commission (with Joe Adamson), December 21, 2006 (on behalf of Mercatus Center Regulatory Studies Program), available<\/em> here<\/a> .<\/p>\n

MEDIA<\/em><\/h3>\n

PRINT<\/strong><\/p>\n

How Law School Got Woke<\/em>, NATIONAL REVIEW (Sept. 2024),\u00a0available\u00a0<\/em>here<\/a>.<\/p>\n

Why I’m Suing Over My Employer’s Vaccine Mandate<\/em>, WALL STREET JOURNAL (Aug. 6, 2021),\u00a0available<\/em> here<\/a>.<\/p>\n

The CFPB Could be a Force for Good<\/em> , WALL STREET JOURNAL, page A21 (Feb. 19, 2018), available<\/em> here<\/a> .<\/p>\n

Durbin\u2019s Debit-Card Price Controls Hit the Poor Hardest<\/em> (with Julian Morris), WALL STREET JOURNAL, page A 21 (May 1, 2017), available<\/em> here<\/a> .<\/p>\n

The Constitution Says Nothing About Behavioral Economics<\/em> (with Geoffrey A. Manne), WALL STREET JOURNAL (Mar. 9, 2017), available<\/em> here<\/a> .<\/p>\n

Credit is a Powerful Tool for American Families<\/em> (with Thomas A. Durkin), WASHINGTON POST (April 17, 2015), available<\/em> here<\/a> .<\/p>\n

Overdraft Protection Rules Could Hurt Consumers More Than They Help<\/em> (with G. Michael Flores), AMERICAN BANKER (November 24, 2014), available<\/em> here<\/a> .<\/p>\n

A Nobel Economist\u2019s 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), available<\/em> here<\/a> .<\/p>\n

The new EU price controls that will hold back a cashless future–and hit the poor<\/em> (with Geoffrey Manne and Julian Morris), CITY A.M. (London, England) (June 9, 2014), available<\/em> here<\/a> .<\/p>\n

If you want to whiten the economy, payments should be made electronically<\/em> , ZIARUL FINANCIAR (Bucharest, Romania) (May 13, 2014), available<\/em> here<\/a> (translation available<\/em> here<\/a> ).<\/p>\n

America\u2019s Taxpayers Lost Big in UAW Bailout<\/em> (with James Sherk), DETROIT NEWS (June 26, 2012), available<\/em> http:\/\/www.detroitnews.com\/article\/20120626\/OPINION01\/206260319\/Commentary-America-s-taxpayers-lost-big-UAW-bailout?odyssey=mod<\/a> |newswell|text|FRONTPAGE|s”>here .<\/p>\n

Obama\u2019s United Auto Workers Bailout<\/em> (with James Sherk), WALL STREET JOURNAL, page A19 (June 13, 2012), available<\/em> here<\/a> .<\/p>\n

Spongebob Squarepants\u2019 Last Stand<\/em> , WALL STREET JOURNAL, page A11 (April 13, 2012), available<\/em> here<\/a> .<\/p>\n

Set Interac Free: Burdensome Federal Regulations Discourage Innovation<\/em> , NATIONAL POST (Dec. 19, 2011), available<\/em> here<\/a> .<\/p>\n

The Dick Durbin Bank Fees<\/em> , WALL STREET JOURNAL, page A15 (Sept. 30, 2011), available<\/em> here<\/a> .<\/p>\n

Lender Punishment Mustn\u2019t Reward Defaulters: Forced Principal Reduction is the Wrong Solution to the Foreclosure Fiasco<\/em> , WASHINGTON TIMES, p. B3 (June 9, 2011), available<\/em> here<\/a> .<\/p>\n

Bureau of Consumer Protection Must Put Consumers First<\/em> , WASHINGTON TIMES, page B3 (May 6, 2011), available<\/em> here<\/a> .<\/p>\n

Roar of the Lion Father: Parenting for Creativity Beats Parenting for Performance<\/em> , WASHINGTON TIMES, page B1 (Jan. 25, 2011), available<\/em> here<\/a> .<\/p>\n

Anna Nicole Smith Case Offers Court Opportunity to Limit Forum-Shopping in Bankruptcy Cases<\/em> , NATIONAL LAW JOURNAL (Jan. 11, 2011), available<\/em> here<\/a> .<\/p>\n

Dodd-Frank and the Return of the Loan Shark<\/em> , WALL STREET JOURNAL, page A17 (Jan. 4, 2011), available<\/em> here<\/a> .<\/p>\n

Repeal the Seventeenth Amendment<\/em> , NATIONAL REVIEW 20 (Nov. 15, 2010), available<\/em> here<\/a> .<\/p>\n

The Next Hot Ticket in Financial Reform<\/em> (with John Morrall and Richard Williams), REUTERS (Oct. 8, 2010), available<\/em> here<\/a> .<\/p>\n

In Elizabeth Warren We Trust?<\/em> WALL STREET JOURNAL, page A25 (Sept. 30, 2010), available<\/em> here<\/a> .<\/p>\n

How Public Employee Pensions are Too Rich for New York\u2019s–and America\u2019s–Blood<\/em> , NEW YORK DAILY NEWS (Aug. 8, 2010), available<\/em> here<\/a> .<\/p>\n

Durbin\u2019s Antitrust Fantasies: Flawed Economics Behind Democrats Price Control Plan<\/em> (with Josh Wright), WASHINGTON TIMES, page B4 (June 17, 2010), available<\/em> here<\/a> .<\/p>\n

Why Aren\u2019t Banks Lending? Because Bureaucrats and Politicians Won\u2019t Let Them<\/em> , WASHINGTON TIMES, page B1 (June 10, 2010), available<\/em> here<\/a> .<\/p>\n

Durbin Regulations are Aimed at Your Wallet: They\u2019ll Cost us All<\/strong> Money and Convenience<\/em> , WASHINGTON TIMES, page B1 (June 3, 2010), available<\/em> here<\/a> .<\/p>\n

Stripper Searches for Loot Loophole<\/em> , WASHINGTON TIMES, page B3 (Feb. 26, 2010), available<\/em> here<\/a> .<\/p>\n

Complex Loans Didn\u2019t Cause the Crisis<\/em> , WALL STREET JOURNAL, page A18 (Feb. 18, 2010), available<\/em> here<\/a> .<\/p>\n

Will Congress Take Another Swipe at Credit Cards?<\/em> , WALL STREET JOURNAL, page A17 (Jan. 5, 2010), available<\/em> here<\/a> .<\/p>\n

America\u2019s Debt Paranoia<\/em> , 59(8) THE FREEMAN (October 2009), available<\/em> here<\/a> .<\/p>\n

Check that Checkbook: A Guide to Smarter Alumni Giving<\/em> , NATIONAL REVIEW page A43 (Oct. 5, 2009), available<\/em> here<\/a> .<\/p>\n

Let\u2019s Treat Borrowers Like Adults: The Problems with a Financial Products Safety Panel<\/em> , WALL STREET JOURNAL,
\npage A17 (July 8, 2009), available<\/em> here<\/a> .<\/p>\n

Chrysler and the Rule of Law<\/em> , WALL STREET JOURNAL, page A19 (May 13, 2009), available<\/em> here<\/a> .<\/p>\n

Low Rates Led to ARMs<\/em> , WALL STREET JOURNAL, page A18, (March 26, 2009), available<\/em> here<\/a> .<\/p>\n

Don\u2019t Let Judges Tear Up Mortgage Contracts<\/em> , WALL STREET JOURNAL, page A13 (February 13, 2009), available<\/em> here<\/a> .<\/p>\n

Bankruptcy is the Perfect Remedy for Detroit<\/em> , WALL STREET JOURNAL, page A21, December 16, 2008, available<\/em> here<\/a> .<\/p>\n

The Two-Income Tax Trap<\/em> , WALL STREET JOURNAL, page A17, August 14, 2007, available<\/em> here<\/a> .<\/p>\n

Junk Social Science Index<\/em> , WASHINGTON TIMES, July 26, 2007, available<\/em> here<\/a> .<\/p>\n

A Great Mind? Miers Might Vote Right, But What the Court Truly Needs Is Intellectual Leadership<\/em> ,
\nLEGAL TIMES, October 10, 2005, available<\/em> here<\/a> .<\/p>\n

Self-Selection or Political Bias?<\/em> 38(8) AMERICAN SPECTATOR 48 (Oct. 2005).<\/p>\n

Rebalancing the Bankruptcy Code<\/em> , JURIST, August 18, 2005, available<\/em> here<\/a> .<\/p>\n

Reforming Bankruptcy Laws: Changes Will Help Everyone<\/em> , SAN DIEGO UNION-TRIBUNE
\n(March 17, 2005), available<\/em> here<\/a> .<\/p>\n

Deadbeats Cost All of Us Dearly<\/em> , USA TODAY, page 17A (June 22, 2000).<\/p>\n

Profiled<\/a> in The Daily Deal<\/em> for views on Bankruptcy Reform<\/p>\n

TELEVISION<\/strong><\/p>\n

Larry Parks Show, \u201cConsumer Credit and the American Economy\u201d (Nov. 9, 2014), available<\/em> here<\/a> .<\/p>\n

Wall Street Journal Live, \u201cIn Defense of Debt\u201d (Sept. 8, 2014), available<\/em> http:\/\/www.wsj.com\/video\/opinion-in-defense-of-debt\/024EE07E-8565-4B5D-9B26-4CBF8D278368.html?mod=WSJ_Opinion_VideoModule_1#<\/a> !024EE07E-8565-4B5D-9B26-4CBF8D278368″>here .<\/p>\n

\u201cThe Larry Parks Show\u201d (June 7, 2012) discussing \u201cThe Rule of Law,\u201d available<\/em> here<\/a> .<\/p>\n

Fox Business, Freedom Watch with Andrew Napolitano (January 13, 2012) discussing \u201cFood Advertising Regulation,\u201d available<\/em> here<\/a> .<\/p>\n

Fox Business, \u201cThe Willis Report\u201d (Oct. 5, 2011) discussing \u201cThe Dick Durbin Bank Fees.\u201d<\/p>\n

Fox Business, \u201cThe Willis Report\u201d (Jan. 4, 2011) discussing \u201cDodd-Frank and the Return of the Loan Shark.\u201d<\/p>\n

Fox News, John Stosell\u2019s \u201cTop 10 Politicians\u2019 Promises Gone Wrong\u201d (Dec. 17, 2010), video available<\/em> here<\/a> .<\/p>\n

NBC Nightly News (Oct. 17, 2010) discussing public employee pensions.<\/p>\n

ABC World News Tonight (June 3, 2009) discussing General Motors bankruptcy.<\/p>\n

Fox Business, \u201cYour World with Neil Cavuto\u201d (May 14, 2009) discussing Chrysler bankruptcy filing.<\/p>\n

Fox News, \u201cFox and Friends\u201d (December 19, 2008) discussing reorganization of automotive industry.<\/p>\n

PBS, \u201cThe Newshour with Jim Lehrer\u201d (October 17, 2005) discussing bankruptcy reform legislation, video available<\/em> here<\/a> .<\/p>\n

CNN, \u201cLou Dobbs Tonight\u201d (March 2005) discussing bankruptcy reform legislation.<\/p>\n

CNBC, (July 2002) discussing WorldCom Bankruptcy.<\/p>\n

CNBC, \u201cBusiness Center\u201d (February 6, 2002) discussing Congressional Hearings on Enron matter.<\/p>\n

CNBC, \u201cBusiness Center\u201d (February 1, 2002) discussing Enron bankruptcy.<\/p>\n

ABC Evening News, \u201cBankruptcy Reform\u201d (February 2001).<\/p>\n

Bloomberg News, \u201cBankruptcy Reform\u201d (February 2001).<\/p>\n

CNNfn, \u201cBankruptcy Reform\u201d (February 2001).<\/p>\n

Bloomberg News (November 2000).<\/p>\n

Appearance on CNN \u201cBurden of Proof\u201d to discuss AOL-Time Warner merger (March 2000).<\/p>\n

Appearance on PBS \u201cThe Newshour with Jim Lehrer\u201d to discuss bankruptcy reform (June 14, 1999).<\/p>\n

Multiple appearances on C-Span archived here<\/a> .<\/p>\n

RADIO AND PODCAST INTERVIEWS<\/strong><\/p>\n

Hugh Hewitt Show, “Nursing Homes are in Crisis. Shutting Down the Economy Won’t Help Them.” (April 28, 2020), listen 04-28hhs-zywicki<\/a>.<\/p>\n

Fourth Branch Podcast, Deep Dive–Loan Shark Prevention Act, THE FEDERALIST SOCIETY (May 31, 2019), listen here<\/a>.<\/p>\n

The Tom Woods Show, “Bad Ideas: Bernie and AOC Want to Cap Credit Card Interest Rates” (May 28, 2019), listen here<\/a>.<\/p>\n

Whose Afraid of Consumer Credit? A Discussion with Todd Zywicki, LIBERTY LAW (Oct. 27, 2104), listen here<\/a> .<\/p>\n

Market Wrap with Moe Ansari, \u201cConsumer Credit and the American Economy\u201d (Nov. 5, 2014), listen here<\/a> .<\/p>\n

The Bob Zadek Show, \u201cConsumers Beware: The Consumer Financial Protection Bureau is Here to Help\u201d (Oct. 19, 2014), listen here<\/a> .<\/p>\n

The Real Clear Radio Hour with Bill Frezza, \u201cAre Americans Maxing Out?\u201d (Aug. 23, 2014), listen here<\/a> .<\/p>\n

The Bob Zadek Show, \u201cRepeal the 17th Amendment?\u201d (June 24, 2012), listen here<\/a> .<\/p>\n

WTOP Radio, \u201cObama Acts Alone in Picking Head of Consumer Protection Bureau\u201d (Jan 4, 2011), listen here<\/a> .<\/p>\n

John Batchelor Show, \u201cThe Auto Bailouts and the Rule of Law\u201d (April 25, 2011), listen here<\/a> .<\/p>\n

\u201cTo The Point,\u201d NPR, \u201cThe Supreme Court and the Bankrupt: Is Debt the American Way?\u201d (Jan. 14, 2011), listen here<\/a> .<\/p>\n

\u201cOn Point,\u201d NPR, \u201cPension Envy, Pension Crisis\u201d (July 28, 2010) discussing public employee pensions, listen here<\/a> .<\/p>\n

Lou Dobbs Show to Discuss \u201cChrysler and the Rule of Law\u201d (May 14, 2009).<\/p>\n

Jerry Doyle Show to discuss \u201cChrysler and the Rule of Law\u201d (May 13, 2009).<\/p>\n

California Commerce (with John McCauley), KBPK, \u201cChrysler and General Motors,\u201d listen here<\/a> .<\/p>\n

California Commerce (with John McCauley), KBPK, \u201cChrysler and the Rule of Law,\u201d listen here<\/a> .<\/p>\n

\u201cThe Diane Rehm Show\u201d to discuss Credit Card Holders\u2019 Bill of Rights (May 5, 2009).<\/p>\n

California Commerce (with John McCauley), KBPK, \u201cRegulation of Consumer Credit,\u201d listen here<\/a> .<\/p>\n

California Commerce (with John McCauley), KBPK, \u201cModifying Mortgages in Bankruptcy,\u201d listen here<\/a> .<\/p>\n

Econtalk (with Russ Roberts), \u201cZywicki on Debt and Bankruptcy,\u201d Podcast, listen here<\/a> .<\/p>\n

The Exchange, New Hampshire Public Radio, \u201cBankruptcy Law Reform,\u201d listen here<\/a> .<\/p>\n

American Radioworks Documentary, \u201cBankrupt: Maxed Out in America,\u201d listen here<\/a> .<\/p>\n

Appearance on \u201cThe Conversation\u201d to discuss \u201cNew Consumer Bankruptcy Laws,\u201d KUOW Radio Seattle (Sept. 20, 2005), Audio available here<\/a> .<\/p>\n

Regular Commentator on \u201cThe Laura Ingraham Show\u201d<\/p>\n

Appearance on \u201cThe Connection,\u201d National Public Radio, to discuss Bankruptcy Reform (March 2002).<\/p>\n

Appearance on NPR \u201cThe Diane Rehm Show\u201d to discuss Bankruptcy Reform (May 25, 2000).<\/p>\n

INTERNET<\/strong><\/p>\n

Open Banking Key to<\/em> Affordability, DAILY CALLER (Feb. 9, 2026),\u00a0available<\/em> here<\/a>.<\/p>\n

Capital One-Discover Would Be Good for Workers<\/em> (with Julian Morris),\u00a0DAILY CALLER (Mar. 25, 2025), available<\/em> here<\/a>.<\/p>\n

Title Insurers Stand in the Way of More Affordable Housing<\/em> (with Andrew Nigrinis), REAL CLEAR MARKETS (Feb. 18, 2025),\u00a0available\u00a0<\/em>here<\/a>.<\/p>\n

The CFPB’s Flawed Credit Card Rate Analysis<\/em> (with Julian Morris), REAL CLEARL MARKETS (June 17, 2024),\u00a0available<\/em> here<\/a>.<\/p>\n

Colorado is Mapping a Dangerous Path on Access to Credit<\/em>,” AMERCIAN BANKER (Jan. 2, 20234),\u00a0available\u00a0<\/em>here<\/a>.<\/p>\n

The Biden Administration’s Contradictory Disdain for “Junk<\/em> Fees,” RealClearMarkets.com (Sept. 18, 2023), available<\/em> here<\/a>.<\/p>\n

The Plan to Make Credit Cards More Expensive<\/em>, WSJ.com (July 6, 2023),\u00a0available<\/em> here<\/a>.<\/p>\n

Reforming American Higher Education: Intended and Unintended Consequences<\/em>, Mindingthecampus.org (May 30, 2023),\u00a0available<\/em> here<\/a>.<\/p>\n

Durbin Doubles Down on Dubious Debit Decree<\/em> (with Julian Morris), RealClearPolicy.com (Sept. 7, 2022),\u00a0available<\/em> here<\/a>.<\/p>\n

Junk Fees or Junk Policy?<\/em> (with Howard Beales), TheHill.com (Mar. 21, 2022), available<\/em> here<\/a>.<\/p>\n

Boy Scouts Bankruptcy Case Reveals the Threats Posed by Tort Lawyers<\/em>, RealClearMarkets.com (Mar. 21, 2022), available<\/em> here<\/a>.<\/p>\n

It Is Urgent That We Address Declining Vaccine Efficacy Against Variants<\/em>, RealClearMarkets.com (Mar. 10, 2022), available<\/em> here<\/a>.<\/p>\n

FTC\u2019s Mistaken Pharma Competition Policy Harms Public Health<\/em>, RealClearMarkets.com (Feb. 11, 2022), available<\/em> here<\/a>.<\/p>\n

Cancel Culture Comes to Banking<\/em>, NEWSWEEK.COM (Jan. 13, 2022), available <\/em>here<\/a>.<\/p>\n

The CFPB\u2019s Arbitrary Attacks on Payday Loans<\/em> (with Thomas Miller, Jr.), WSJ.com (Jan. 2, 2022), available <\/em>here<\/a>.<\/p>\n

The Racial Wealth Gap is About Investing Style, Not Discrimination<\/em>, RealClearMarkets.com (Dec. 15, 2021), available<\/em> here<\/a>.<\/p>\n

Doubling Down on Durbin Disaster: Interchange Fee Caps Shortchange Consumers, TruthOnTheMarket.com <\/em>(Aug. 19, 2021),\u00a0available in<\/em> https:\/\/truthonthemarket.com\/2021\/08\/19\/doubling-down-on-durbin-disaster-interchange-fee-caps-shortchange-consumers\/.<\/p>\n

Nursing Homes Are in Crisis. Shutting Down the Economy Won’t Help Them.\u00a0<\/em>NATIONAL REVIEW ONLINE (April 28, 2020),\u00a0available<\/em> here<\/a>.<\/p>\n

The Wrong Kicks on Route 36<\/em> (with Tom Miller), REAL CLEAR POLITICS (Jan. 8, 2020),\u00a0available<\/em> here<\/a>.<\/p>\n

Sanders-Ocasio-Cortez Plan to Cap Credit Card Interest Rates Will Backfire on<\/em> Consumers, USA TODAY (June 21, 2019),\u00a0available<\/em> here<\/a>.<\/p>\n

Postal Banking Isn’t the Fix for Financial Inclusion<\/em>, AMERICAN BANKER (June 13, 2019),\u00a0available<\/em> here<\/a>.<\/p>\n

The Sanders-AOC Protection for Loan Sharks<\/em> Act, REAL CLEAR POLITICS (June 2, 2019), available<\/em> here<\/a>.<\/p>\n

Intolerance of Tolerance at George Mason University<\/em> (with Lloyd Cohen), NATIONAL REVIEW ONLINE (May 13, 2016), available<\/em> here<\/a> .<\/p>\n

A Ban That Will Only Help Class Action Lawyers<\/em> (with Jason Johnston), REALCLEARMARKETS.COM (Dec. 9, 2015), available<\/em> here<\/a> .<\/p>\n

The Unintended Consequences of CFPB Debt Reform<\/em> (with Chad Reese), REALCLEARMARKETS.COM (Nov. 18, 2015), available<\/em> here<\/a> .<\/p>\n

Your Credit History (The Accurate Version)<\/em> , LIBERTY LAW (Oct. 20, 2014), available<\/em> here<\/a> .<\/p>\n

Why Everything Elizabeth Warren Told You About Consumer Credit is Wrong<\/em> , FORBES.COM (Oct. 10, 2014), available<\/em> here<\/a> .<\/p>\n

What Elizabeth Warren Fails to Understand About Finance<\/em> , ThinkAdvisor.com (Aug. 20, 2014), available<\/em> here<\/a> .<\/p>\n

How to Help the Unbanked? Repeal the Durbin Amendment<\/em> (with Geoffrey Manne and Julian Morris), FORBES.COM (Aug. 4, 2014), available<\/em> here<\/a> .<\/p>\n

The Corporatatist Legacy of the Auto Bailouts<\/em> , LIBERTY LAW (Jan. 13, 2014), available<\/em> here<\/a> .<\/p>\n

Making Financial Regulation Anti-Fragile<\/em> , LIBERTY LAW (Dec. 15, 2013), available<\/em> here<\/a> (Book Review, Nassim Taleb, Antifragile<\/em> ).<\/p>\n

The Next Financial Crisis: What Will the Market Expect?<\/em> , LIBERTY LAW (May 19, 2013), available<\/em> here<\/a> (Book Review, Vern McKinley, Financing Failurw<\/em> ).<\/p>\n

Policy-Based Evidence-Making at The Consumer Financial Protection Bureau<\/em> , LIBERTY LAW (Jan. 21, 2013), available<\/em> here<\/a> .<\/p>\n

Regulatory Decadence and Dodd-Frank<\/em> , LIBERTY LAW (Dec. 16, 2012), available<\/em> here<\/a> (Book Review, David Skeel, The New Financial Deal<\/em> ).<\/p>\n

From<\/em> Kelo With Love: Revisiting<\/em> Kelo\u2019s Flawed Economics and Vacuous Constitutionalism<\/em> , LIBERTY FORUM (Nov. 4, 2012), available<\/em> here<\/a> .<\/p>\n

The Banality of Bailouts, Special-Interests, and Political Corruption<\/em> , LIBERTY LAW (Oct. 29, 2012), available<\/em> here<\/a> .<\/p>\n

The Revenge of Richard Nixon: The Consumer Financial Protection Bureau Spreads Its Tentacles<\/em> , LIBERTY LAW (Oct. 20, 2012), available<\/em> here<\/a> .<\/p>\n

The Rule of Law and the Auto Bailouts: A Conversation with Todd Zywicki<\/em> , LIBERTY LAW TALK PODCAST (June 3, 2012), available<\/em> here<\/a> .<\/p>\n

Milton Friedman and Friedrich Hayek: Fifty Years Later<\/em> , LIBERTY LAW (May 4, 2012), available<\/em> here<\/a> .<\/p>\n

Upholding the Rule of Law, In Season and Out of Season<\/em> , LIBERTY LAW (Apr. 20, 2012), available<\/em> here<\/a> .<\/p>\n

The Robo-Signing Settlement: Seeds of Recovery or Chaos?<\/em> , FORBES.COM (Feb. 20, 2012), available<\/em> here<\/a> .<\/p>\n

It\u2019s Time to Finalize the Robo-Signing Settlement<\/em> , FORBES.COM (OCT. 17, 2011), available<\/em> here<\/a> .<\/p>\n

The Truth About the Auto Bailouts<\/em> , REAL CLEAR POLITICS (July 13, 2011), available<\/em> here<\/a> .<\/p>\n

Durbin\u2019s Innovation Killer: The Durbin Amendment would Raise Costs for Consumers, Increase Fraud, and Kill Innovation<\/em> , THE AMERICAN (June 11, 2011), available<\/em> here<\/a> .<\/p>\n

Deutsche Bank a Scapegoat for Bad Housing Policy<\/em> , FORBES.COM (May 11, 2011), available<\/em> here<\/a> .<\/p>\n

Reason.tv, \u201cThe Next Great Leap Backwards for Consumer \u2018Rights\u2019\u201d (August 2009), available<\/em> here<\/a> .<\/p>\n

Obama\u2019s Ailing Popularity<\/em> , FORBES.COM (August 21, 2009), available<\/em> here<\/a> .<\/p>\n

My Favorite President: Calvin Coolidge<\/em> , NATIONAL REVIEW ON-LINE (February 16, 2009), available<\/em> here<\/a> .<\/p>\n

Rebalancing the Bankruptcy Code<\/em> , JURIST, August 18, 2005, available<\/em> here<\/a> .<\/p>\n

Credit Worthy<\/em> , NATIONAL REVIEW ON-LINE (March 16, 2005), available<\/em> here.<\/a><\/p>\n

Bankrupt Criticisms<\/em> , NATIONAL REVIEW ON-LINE (March 15, 2005), available<\/em> here<\/a> .<\/p>\n

I have also been quoted regularly in major media outlets on issues of Congressional bankruptcy reform legislation and on the Enron and WorldCom bankruptcy cases, including The New York Times<\/em> , The Wall Street Journal<\/em> , Washington Post<\/em> , Washington Times<\/em> , Boston Globe<\/em> , Washington Times<\/em> , Christian Science Monitor<\/em> , Houston Chronicle<\/em> , Dallas Morning News<\/em> , Toronto Star<\/em> , and many other leading newspapers and magazines. Quoted in \u201cWashington Whispers,\u201d U.S. News & World Report<\/em> (Aug. 5, 2002). I have also been quoted in several foreign publications, including the BBC (Britain), the Daily Yomiuri<\/em> (Japan), and RP Online<\/em> (Germany).<\/p>\n

PROFESSIONAL ACTIVITIES<\/strong><\/p>\n

Board of Directors, Competitive Enterprise Institute (2013-present).<\/p>\n

Senior Fellow, F.A. Hayek Program on Politics, Philosophy, and Economics (2012-present).<\/p>\n

Board of Trustees, Center for Excellence in Higher Education (2010-present).<\/p>\n

Board of Trustees, Institute for Humane Studies (2009-present).<\/p>\n

Editor, Supreme Court Economic Review<\/em> (2001-2003, 2006-present).<\/p>\n

Board of Directors (2008-present) and Chair of Academic Advisory Council (2000-present), The Bill of Rights Institute.<\/p>\n

Senior Fellow, Goldwater Institute (2007-2012).<\/p>\n

Trustee, Yorktown University (2009-2015).<\/p>\n

Member of Governing Board (2008-present) and Advisory Council (2007-present), Financial Services Research Program at
\nGeorge Washington University School of Business.<\/p>\n

Member, United States Department of Justice Study Group on \u201cIdentifying Fraud, Abuse and Errors in America\u2019s Bankruptcy System\u201d (2006-2008).<\/p>\n

Alumni Trustee, Dartmouth College Board of Trustees (2005-2009).<\/p>\n

Chair, Academic Advisory Panel, McCormick Tribune Freedom Museum (debuted Spring 2006), August 2004-present.<\/p>\n

Advisory Board, ABI Law Review<\/em> (2003-present).<\/p>\n

Chair, Academic Advisory Panel, \u201cWe the People in IMAX,\u201d IMAX Film with accompanying educational material (Premiering September 2004).<\/p>\n

Member, Board of Directors (2009-present) and Program Advisory Board, Foundation for Research on Economics and the Environment (2006-present).<\/p>\n

Referee, American Political Science Review; Contemporary Economic Policy; International Review of Law and Economics<\/em> , Review of Austrian Economics<\/em> ; Advances in Austrian Economics<\/em> ; Journal of Institutional and Theoretical Economics<\/em> ; Journal of Institutional Economics<\/em> ; Philosophy, Politics, and Economics<\/em> ; Journal of Bioeconomics<\/em> ; Supreme Court Economic Review<\/em> (2000-present).<\/p>\n

Research Fellow, International Center for Economic Research (ICER), Turin, Italy (May-June, 2002).<\/p>\n

Editor, Supreme Court Economic Review<\/em> , Volume 10 (2001-2003).<\/p>\n

Consejo Consultivo of the Centro de Opcion Publica, Universidad de Francisco Marroquin,
\nGuatemala (Academic Advisory Council of Public Choice Center at University of Francisco Marroquin)
\nGuatemala City, Guatemala (2000-c.2008).<\/p>\n

Senior Research Fellow, Program on Markets and Institutions, James Buchanan Center for Political Economy at George Mason University (2001-2012).<\/p>\n

Contributing Editor, NORTON BANKRUPTCY TREATISE Chapter 51, Property of the Estate (1997-present).<\/p>\n

Co-Chair, Bankruptcy Subcommittee, Federalist Society Financial Services and E-Commerce Practice Group (1999-present).<\/p>\n

Member of Board of Directors (2009-present) and Chair of Academic Advisory Council (1999-present), Bill of Rights Institute.<\/p>\n

Co-Authored several proposals and position papers for the National Bankruptcy Review Commission (1997).<\/p>\n

Member, American Bankruptcy Institute (1999-present).<\/p>\n

SCHOLARLY LECTURES AND PRESENTATIONS (Not Updated)<\/strong><\/p>\n

\u201cDid Lack of Consumer Protection Cause the Crisis?\u201d Cato Institute (March 16, 2010).<\/p>\n

\u201cProtecting Consumers in the Financial Marketplace: Thinking Outside the Boxes,\u201d Heritage Foundation (March 11, 2010). Video here<\/a> .<\/p>\n

\u201cIn the Green Room: Professor Todd Zywicki on Proposed Financial Reforms,\u201d Heritage Foundation (March 12, 2010). Video here<\/a> .<\/p>\n

\u201cThe Mortgage Crisis,\u201d Lecture Presented and Updated. Presentation here<\/a> .<\/p>\n

\u201cThe Global Financial Crisis,\u201d Bruno Leoni Institute, Rome, Italy (Dec. 5, 2008). Powerpoint presentation here<\/a> .<\/p>\n

\u201cThe Future of Financial Services: Government Control Versus the Free Market,\u201d Federalist Society National Lawyers Convention (Nov. 21, 2008). Powerpoint presentation here<\/a> . Video\/Audio here<\/a> .<\/p>\n

\u201cThe Mortgage Crisis,\u201d Mercatus Center Capitol Hill Campus (Nov. 18, 2008). Powerpoint presentation here<\/a> .<\/p>\n

\u201cConsumer Protection in the Credit Card Industry,\u201d Mercatus Center Capitol Hill Campus (June 2008). Powerpoint presentation here.<\/p>\n

\u201cExploring Issues in the Subprime Market,\u201d Mercatus Center Capitol Hill Campus (July 12, 2007). Powerpoint presentation here<\/a> .<\/p>\n

\u201cRecent Developments in Competition Policy in the United States,\u201d Reykjavik University, Reyjavik, Iceland (June 5, 2007).<\/p>\n

\u201cThe Causes and Consequences of BAPCPA,\u201d Northern Virginia Bankruptcy Bar (March 15, 2007). Powerpoint presentation here<\/a> .<\/p>\n

\u201cThe Economics of Consumer Lending,\u201d Mercatus Center Capitol Hill Campus (March 7, 2007). Powerpoint presentation here<\/a> .<\/p>\n

Speaker, \u201cWatters v. Wachovia Bank<\/em> : The Roberts Court Weighs in on Preemption,\u201d American Enterprise Institute (November 28, 2006), video available<\/em> here<\/a> .<\/p>\n

Workshop Presentation, Bankruptcy and Personal Responsibility<\/em> , Chapter 3 \u201cCredit Cards and Bankruptcy,\u201d Duke Law School (Sept. 29, 2006).<\/p>\n

Speaker, \u201cRebalancing the Code: The Consumer Provisions of BAPCPA,\u201d Symposium, \u201cThe Changing Landscape of Bankruptcy in America,\u201d sponsored by Widener Law Review (February 23, 2006).<\/p>\n

Speaker, \u201cIs Tony the Tiger Making Kids Fat?\u201d Sponsored by The Federalist Society, Mississippi College School of Law (February 16, 2006).<\/p>\n

Speaker, \u201cBankruptcy 2.0(05): Chapters, Changes, and Challenges,\u201d Symposium sponsored by American University Law Review (February 10, 2006).<\/p>\n

Speaker, \u201cFood Marketing to Children,\u201d Society of Nutrition Educators, Orlando (July 27, 2005).<\/p>\n

Speaker, \u201cFederal Consumer Protection Regulation: Disclosures and Beyond,\u201d Philadelphia Federal Reserve Payment Cards Center (June 10, 2005), powerpoint presentation<\/em> here<\/a> .<\/p>\n

Speaker, \u201cRegulating Domestic Markets: My Experience in the Federal Trade Commission,\u201d Universidad de Francisco Marroquin, Guatemala City, Guatemala, video available<\/em> here<\/a> .<\/p>\n

Speaker, \u201cKids, Cartoons, and Cookies: Should We Restrict the Marketing of Food to Children?\u201d Cato Institute Policy Forum (June 7, 2004), program available on Real Video here<\/a> . Also included in July 2004 Cato Audio Program.<\/p>\n

Speaker, \u201cHow Should Competition Policy Transform Itself? Designing the New Competition Policy,\u201d Tokyo, Japan, Inaugural Symposium of Competition Policy Research Center, Fair Trade Commission of Japan (Nov. 20, 2003).<\/p>\n

Speaker, \u201cThe Law and Economics of Predatory Lending,\u201d National Press Club, Sponsored by the Federalist Society for Law & Public Policy (July 24, 2003).<\/p>\n

Lecturer, \u201cSummer Institute for Teachers,\u201d Sponsored by the Bill of Rights Institute (July 14, 2003 and July 19, 2003).<\/p>\n

Speaker, \u201cA WorldCom Phoenix? Is Bankruptcy a Tool for Competitive Advantage?\u201d National Press Club, Sponsored by the New Millenium Research Council (Sept. 27, 2002).<\/p>\n

Speaker, \u201cWill Bankruptcy Reform Make the Bankruptcy Laws More Fair and Efficient?\u201d Cato Institute (Sept. 23, 2002).<\/p>\n

Speaker, \u201cUnderstanding the Ecology, Economics, and Ethics of Climate Change,\u201d Foundation for Research on Economics and the Environment Seminar for Federal Judges (July 9-14, 2002).<\/p>\n

Lecturer, \u201cSummer Institute for Teachers,\u201d Sponsored by the Bill of Rights Institute (July 8-9, 2002).<\/p>\n

Workshop Speaker, \u201cWhy So Many Bankruptcies and What to Do About It? An Institutional and Transactions Cost Analysis of Bankruptcy Law and Bankruptcy Reform,\u201d Boston College School of law (April 9, 2002).<\/p>\n

Workshop Speaker, \u201cThe Rise and Fall of Efficiency in the Common Law: A Supply-Side Analysis,\u201d Dartmouth College Legal Studies Workshop (April 1, 2002).<\/p>\n

Workshop Speaker, \u201cThe Reciprocity Instinct: An Evolutionary Analysis of Reciprocity, Promise-Keeping, and Bankruptcy Law,\u201d George Washington University School of Law (August 29, 2001).<\/p>\n

Speech, \u201cThe Economics of Developing Countries: Understanding the Institutions of Developing Countries,\u201d Congress (August 28, 2001).<\/p>\n

Speaker, \u201cThe Law and Economics of Consumer Credit,\u201d The Federalist Society (June 27, 2001).<\/p>\n

Presenter, \u201cThe Rise and Fall of Efficiency in the Common Law: A Supply-Side Analysis,\u201d American Law & Economics Annual Meeting, Georgetown University (May 2001).<\/p>\n

Workshop Speaker, \u201cThe Rise and Fall of Efficiency in the Common Law: A Supply-Side Analysis,\u201d NYU Austrian Economics Colloquium, New York University Department of Economics (March 2001).<\/p>\n

Workshop Speaker, \u201cThe Political Economy of Tort Law and Tort Reform,\u201d J.M. Kaplan Workshop in Political Economy, George Mason University Department of Economics (February 2001).<\/p>\n

Workshop Speaker, \u201cBankruptcy and Reciprocity,\u201d University of Colorado School of Law (October 2000).<\/p>\n

Presenter, \u201cBankruptcy and Reciprocity,\u201d Canadian Law and Economics Association (October 2000).<\/p>\n

Workshop Speaker, \u201cBankruptcy and Reciprocity,\u201d University of Virginia School of Law (March 2000)<\/p>\n

Workshop Speaker, \u201cWas Hayek Right About Group Selection After All?\u201d Center for the Study of Public Choice, George Mason University (March 2000).<\/p>\n

Panelist, \u201cLevels of Selection,\u201d presented at the Annual Meeting of the Public Choice Society, Charleston, SC (March 2000).<\/p>\n

Workshop Speaker, \u201cBankruptcy and Reciprocity,\u201d to be presented at Benjamin N. Cardozo School of Law, Yeshiva University (February 2000).<\/p>\n

Workshop Speaker, \u201cBankruptcy and Reciprocity,\u201d Emory University School of Law (November 1999).<\/p>\n

Workshop Speaker, \u201cBankruptcy and Reciprocity,\u201d University of Georgia School of Law (November 1999).<\/p>\n

Workshop Speaker, \u201cBankruptcy and Reciprocity,\u201d Notre Dame University School of Law (November 1999).<\/p>\n

Speaker, \u201cBankruptcy and Reciprocity,\u201d presented at the Society for the Evolutionary Analysis of Law Annual Meeting (August 1999).<\/p>\n

Speaker, \u201cThe Logic and Limits of Freedom of Contract: An Application to Bankruptcy and Securities Law,\u201d presented to congressional staffers (July 1999).<\/p>\n

Faculty, Norton Institute on Bankruptcy Law, Las Vegas, NV (March 18-21, 1999).<\/p>\n

Congressional Staff Briefings on the Bankruptcy Reform Bill of 1999 (March 1999).<\/p>\n

Speaker, \u201cThe Role of Tradition in Constitutional Interpretation: A Response to Souter and Scalia,\u201d sponsored by the Federalist Society and the Virginia Hayek Society, University of Virginia School of Law (January 27, 1999).<\/p>\n

Speaker, \u201cThe Common Law and the Environment: Rethinking the Statutory Basis for Modern Environmental Law,\u201d 1998 Political Economy Forum, sponsored by the Political Economy Research Center, Bozeman, Montana (October 2-4, 1998).<\/p>\n

Speaker, \u201cThe Political Economy of Environmental Regulation and Reform,\u201d J.M. Kaplan Workshop in Political Economy, George Mason University Department of Economics (September 28, 1998).<\/p>\n

Faculty, \u201cLiberty and Society Academic Seminar,\u201d sponsored by the Institute for Humane Studies, (July 1998).<\/p>\n

Speaker, \u201cRevisions to Article 2 of the Uniform Commercial Code,\u201d sponsored by the Business Law Section of the Mississippi Bar (March 1998).<\/p>\n

Workshop Speaker, \u201cRewrite the Bankruptcy Laws, Not the Scriptures: Protecting a Bankruptcy Debtor\u2019s Right to Tithe,\u201d Mississippi College School of Law (March 1998).<\/p>\n

Panel on \u201cWhither Disinterestedness?\u201d presented at the Meeting of the American Bar Association Business Law Section Business Bankruptcy Committee, Friday (October 17, 1997).<\/p>\n

Expert Testimony<\/em> <\/strong><\/p>\n

In re: HSBC USA, N.A., Debit Card Overdraft Fee Litigation<\/em> , Civil Action No. 2:13-MD-02451 (2013).<\/p>\n

James v. National Financial<\/em> , Delaware Court of Chancery, C.A. No. 8931-VCL (2014).<\/p>\n

Morgan Drexen, Inc. and Kimberly A. Pisinski v. Consumer Financial Protection Bureau<\/em> , United States District Court for the District of Columbia, Civil Action No. 13-01112 (CKK) (2013).<\/p>\n

Cox v. Community Loans of America<\/em> , United States District Court, Middle District of Georgia, Case No. 4:11-cv-177 (CDL) (2013).<\/p>\n

Hamer v. Sam\u2019s East, Inc.<\/em> , United States District Court, Western District of Missouri, Case No. Case No. 4:08-cv-00788-HFS (2012).<\/p>\n

Experian Information Solutions, Inc. v. Lifelock, Inc.<\/em> , United States District Court, Central District of California, Case No. SACV08-00165 AB (2009).<\/p>\n

Anthony V. Valaitis v. Third Federal Saving & Loan Association of Cleveland<\/em> , Court of Common Pleas, Lake County, OH, Case No. 07 CV 002329 (2008).<\/p>\n

Bhandari v. Nilsestuen, et al.<\/em> , Dane County, Wisconsin, Case No. 07-CV-2226 (2008).<\/p>\n

Charles Brown, et al. v. David Hovatter, et al.<\/em> , United States District Court for the District of Maryland, Case No. 1:06-CV-00524-RDB (2007).<\/p>\n

Smith v. PNC Mortgage Corp. of America<\/em> ( In re Smith<\/em> ), United States Bankruptcy Court, Southern District of Alabama, Southern Division, Case No. 98-11129, Adv. No. 99-1138 (2002).<\/p>\n

Rocky Dwayne Sheffield v. Homeside Lending, Inc.<\/em> ( In re Sheffield<\/em> ), United States Bankruptcy Court for the Southern District of Alabama, Southern Division, Case No. 97-10511-MAM (2000).<\/p>\n","protected":false},"excerpt":{"rendered":"

Professor Todd J. Zywicki\u2019s Curriculum Vitae EDUCATION UNIVERSITY OF VIRGINIA SCHOOL OF LAW J.D., 1993 Executive Editor, Virginia Tax Review. John M . Olin Scholar in Law and Economics. CLEMSON UNIVERSITY M.A. Economics, 1990. H.W. Close Fellow in College of Commerce and Industry. DARTMOUTH COLLEGE A.B. cum Laude with High Honors in Government Major, 1988. … Continue reading “Curriculum Vitae”<\/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-24","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/sls.gmu.edu\/todd-zywicki\/wp-json\/wp\/v2\/pages\/24","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=24"}],"version-history":[{"count":0,"href":"https:\/\/sls.gmu.edu\/todd-zywicki\/wp-json\/wp\/v2\/pages\/24\/revisions"}],"wp:attachment":[{"href":"https:\/\/sls.gmu.edu\/todd-zywicki\/wp-json\/wp\/v2\/media?parent=24"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}