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LAW (713 journals)                  1 2 3 4 | Last

Showing 1 - 200 of 354 Journals sorted alphabetically
ABA Journal Magazine     Full-text available via subscription   (Followers: 20)
Acta Juridica     Full-text available via subscription   (Followers: 9)
Acta Politica     Hybrid Journal   (Followers: 13)
Acta Universitatis Danubius. Juridica     Open Access  
Actualidad Jurídica Ambiental     Open Access   (Followers: 1)
Adelaide Law Review     Full-text available via subscription   (Followers: 20)
Administrative Law Review     Open Access   (Followers: 40)
Aegean Review of the Law of the Sea and Maritime Law     Hybrid Journal   (Followers: 7)
African Journal of Legal Studies     Hybrid Journal   (Followers: 8)
African Journal on Conflict Resolution     Open Access   (Followers: 17)
Afrilex     Open Access   (Followers: 5)
Air and Space Law     Full-text available via subscription   (Followers: 20)
Akron Law Review     Open Access   (Followers: 4)
Alaska Law Review     Open Access   (Followers: 10)
Albany Law Review     Free   (Followers: 6)
Alberta Law Review     Full-text available via subscription   (Followers: 15)
Alternative Law Journal     Hybrid Journal   (Followers: 3)
Alternatives : Global, Local, Political     Hybrid Journal   (Followers: 16)
Amazon's Research and Environmental Law     Open Access   (Followers: 3)
American Journal of Comparative Law     Full-text available via subscription   (Followers: 56)
American Journal of Jurisprudence     Hybrid Journal   (Followers: 17)
American Journal of Law & Medicine     Full-text available via subscription   (Followers: 13)
American Journal of Legal History     Full-text available via subscription   (Followers: 6)
American Journal of Trial Advocacy     Full-text available via subscription   (Followers: 8)
American University Law Review     Open Access   (Followers: 16)
American University National Security Law Brief     Open Access   (Followers: 8)
Amicus Curiae     Open Access   (Followers: 5)
Amsterdam Law Forum     Open Access   (Followers: 9)
Anales de la Cátedra Francisco Suárez     Open Access  
Annales Canonici     Open Access  
Annual Survey of South African Law     Full-text available via subscription   (Followers: 5)
Anuario da Facultade de Dereito da Universidade da Coruña     Open Access  
Anuario de Psicología Jurídica     Open Access   (Followers: 1)
ANZSLA Commentator, The     Full-text available via subscription   (Followers: 4)
Appeal : Review of Current Law and Law Reform     Open Access   (Followers: 1)
Arbitration Law Monthly     Full-text available via subscription   (Followers: 2)
Arbitration Law Reports and Review     Hybrid Journal   (Followers: 13)
Arctic Review on Law and Politics     Open Access   (Followers: 1)
Arena Hukum     Open Access  
Argumenta Journal Law     Open Access   (Followers: 1)
Arizona Law Review     Open Access   (Followers: 4)
Arizona State Law Journal     Free   (Followers: 2)
Arkansas Law Review     Free   (Followers: 6)
Ars Aequi Maandblad     Full-text available via subscription   (Followers: 2)
Art + Law     Full-text available via subscription   (Followers: 11)
Article 40     Open Access   (Followers: 2)
Artificial Intelligence and Law     Hybrid Journal   (Followers: 10)
Asian American Law Journal     Open Access   (Followers: 3)
Asian Journal of Legal Education     Full-text available via subscription   (Followers: 5)
Asian Pacific American Law Journal     Open Access   (Followers: 2)
AStA Wirtschafts- und Sozialstatistisches Archiv     Hybrid Journal   (Followers: 5)
Asy-Syir'ah : Jurnal Ilmu Syari'ah dan Hukum     Open Access  
Australasian Law Management Journal     Full-text available via subscription   (Followers: 7)
Australian and New Zealand Sports Law Journal     Full-text available via subscription   (Followers: 8)
Australian Feminist Law Journal     Hybrid Journal   (Followers: 10)
Australian Indigenous Law Review     Full-text available via subscription   (Followers: 17)
Australian Journal of Legal History     Full-text available via subscription   (Followers: 18)
Ave Maria Law Review     Free   (Followers: 3)
Badamai Law Journal     Open Access  
Ballot     Open Access  
Baltic Journal of Law & Politics     Open Access   (Followers: 7)
Bar News: The Journal of the NSW Bar Association     Full-text available via subscription   (Followers: 5)
Behavioral Sciences & the Law     Hybrid Journal   (Followers: 24)
Beijing Law Review     Open Access   (Followers: 7)
Berkeley Journal of Entertainment and Sports Law     Open Access   (Followers: 6)
Berkeley Technology Law Journal     Free   (Followers: 11)
Bioethics Research Notes     Full-text available via subscription   (Followers: 14)
Bond Law Review     Open Access   (Followers: 18)
Boston College Environmental Affairs Law Review     Open Access   (Followers: 8)
Boston College Journal of Law & Social Justice     Open Access   (Followers: 10)
Boston College Law Review     Open Access   (Followers: 18)
Boston University Law Review     Free   (Followers: 11)
BRICS Law Journal     Open Access  
Brigham Young University Journal of Public Law     Open Access   (Followers: 8)
Brigham Young University Law Review     Full-text available via subscription   (Followers: 8)
British Journal of American Legal Studies     Open Access   (Followers: 1)
Brooklyn Law Review     Open Access   (Followers: 2)
Bulletin of Legal Medicine     Open Access   (Followers: 1)
Bulletin of Medieval Canon Law     Full-text available via subscription   (Followers: 3)
C@hiers du CRHIDI     Open Access  
Cadernos de Dereito Actual     Open Access   (Followers: 1)
Cadernos do Programa de Pós-Graduação em Direito - PPGDir./UFRGS     Open Access   (Followers: 1)
Cadernos Ibero-Americanos de Direito Sanitário     Open Access  
Cahiers, Droit, Sciences et Technologies     Open Access  
California Law Review     Open Access   (Followers: 20)
California Lawyer     Free  
California Western Law Review     Open Access   (Followers: 3)
Cambridge Law Journal     Hybrid Journal   (Followers: 149)
Campbell Law Review     Open Access   (Followers: 5)
Campus Legal Advisor     Hybrid Journal   (Followers: 2)
Case Western Reserve Law Review     Open Access   (Followers: 2)
Časopis pro právní vědu a praxi     Open Access  
Časopis zdravotnického práva a bioetiky     Open Access  
Catalyst : A Social Justice Forum     Open Access   (Followers: 10)
Catholic University Law Review     Open Access   (Followers: 3)
Chicago-Kent Law Review     Full-text available via subscription   (Followers: 4)
Chicana/o-Latina/o Law Review     Open Access   (Followers: 2)
China : An International Journal     Full-text available via subscription   (Followers: 16)
China-EU Law Journal     Hybrid Journal   (Followers: 4)
Chinese Journal of Comparative Law     Hybrid Journal   (Followers: 3)
Chinese Law & Government     Full-text available via subscription   (Followers: 6)
Cleveland State Law Review     Free   (Followers: 2)
College Athletics and The Law     Hybrid Journal   (Followers: 1)
Colombia Forense     Open Access  
Columbia Journal of Environmental Law     Free   (Followers: 9)
Columbia Journal of Law and Social Problems     Full-text available via subscription   (Followers: 16)
Columbia Law Review (Sidebar)     Open Access   (Followers: 16)
Commercial Law Quarterly: The Journal of the Commercial Law Association of Australia     Full-text available via subscription   (Followers: 5)
Comparative Law Review     Open Access   (Followers: 42)
Comparative Legal History     Full-text available via subscription   (Followers: 7)
Con-texto     Open Access  
Conflict Resolution Quarterly     Hybrid Journal   (Followers: 24)
Conflict Trends     Full-text available via subscription   (Followers: 9)
Cornell Law Review     Open Access   (Followers: 8)
Criterio Jurídico     Open Access  
Critical Analysis of Law : An International & Interdisciplinary Law Review     Open Access   (Followers: 3)
Cuadernos de Historia del Derecho     Open Access   (Followers: 7)
Cuestiones Juridicas     Open Access   (Followers: 2)
Current Legal Problems     Hybrid Journal   (Followers: 26)
Danube : The Journal of European Association Comenius - EACO     Open Access   (Followers: 2)
De Jure     Open Access   (Followers: 1)
De Rebus     Full-text available via subscription   (Followers: 1)
Deakin Law Review     Full-text available via subscription   (Followers: 14)
Defense Counsel Journal     Full-text available via subscription   (Followers: 1)
Democrazia e diritto     Full-text available via subscription   (Followers: 2)
Denning Law Journal     Full-text available via subscription   (Followers: 8)
DePaul Journal of Women, Gender and the Law     Open Access   (Followers: 2)
DePaul Law Review     Open Access   (Followers: 3)
Der Staat     Full-text available via subscription   (Followers: 13)
Derecho PUCP     Open Access   (Followers: 4)
Derecho y Ciencias Sociales     Open Access   (Followers: 1)
Die Verwaltung     Full-text available via subscription   (Followers: 10)
Dikaion     Open Access   (Followers: 1)
Dike     Open Access  
Direito e Desenvolvimento     Open Access   (Followers: 1)
Direito e Liberdade     Open Access  
Diritto penale contemporaneo     Free   (Followers: 2)
Diritto, immigrazione e cittadinanza     Open Access   (Followers: 4)
Dixi     Open Access  
Droit et Cultures     Open Access   (Followers: 7)
Droit et Médecine Bucco-Dentaire     Full-text available via subscription   (Followers: 1)
Droit, Déontologie & Soin     Full-text available via subscription   (Followers: 2)
Drug Science, Policy and Law     Full-text available via subscription  
Duke Environmental Law & Policy Forum     Open Access   (Followers: 6)
Duke Forum for Law & Social Change     Open Access   (Followers: 8)
Duke Journal of Gender Law & Policy     Open Access   (Followers: 16)
Duke Law & Technology Review     Open Access   (Followers: 10)
Duke Law Journal     Open Access   (Followers: 26)
DULR Online     Open Access   (Followers: 1)
East Asia Law Review     Open Access   (Followers: 1)
ECI Interdisciplinary Journal for Legal and Social Policy     Open Access   (Followers: 2)
Ecology Law Quarterly     Free   (Followers: 3)
Edinburgh Law Review     Hybrid Journal   (Followers: 21)
Education and the Law     Hybrid Journal   (Followers: 11)
El Cotidiano     Open Access   (Followers: 1)
Election Law Journal     Hybrid Journal   (Followers: 23)
Energy Law Journal     Full-text available via subscription   (Followers: 4)
Environmental Justice     Hybrid Journal   (Followers: 10)
Environmental Law Review     Full-text available via subscription   (Followers: 22)
Environmental Policy and Law     Hybrid Journal   (Followers: 15)
ERA-Forum     Hybrid Journal   (Followers: 5)
Espaço Jurídico : Journal of Law     Open Access   (Followers: 1)
ESR Review : Economic and Social Rights in South Africa     Open Access   (Followers: 4)
Ethnopolitics     Hybrid Journal   (Followers: 4)
Ethos: Official Publication of the Law Society of the Australian Capital Territory     Full-text available via subscription   (Followers: 4)
EU agrarian Law     Open Access   (Followers: 3)
Europaisches Journal fur Minderheitenfragen     Hybrid Journal   (Followers: 2)
European Energy and Environmental Law Review     Full-text available via subscription   (Followers: 16)
European Journal for Education Law and Policy     Hybrid Journal   (Followers: 8)
European Journal of Comparative Law and Governance     Hybrid Journal   (Followers: 5)
European Journal of Law and Technology     Open Access   (Followers: 15)
European Journal of Psychology Applied to Legal Context     Open Access   (Followers: 5)
European Law Journal     Hybrid Journal   (Followers: 143)
European Public Law     Full-text available via subscription   (Followers: 35)
European Review of Contract Law     Hybrid Journal   (Followers: 22)
European Review of Private Law     Full-text available via subscription   (Followers: 30)
European Yearbook of Minority Issues Online     Hybrid Journal   (Followers: 5)
Evaluation Review     Hybrid Journal   (Followers: 12)
Evidence & Policy : A Journal of Research, Debate and Practice     Full-text available via subscription   (Followers: 9)
Faulkner Law Review     Full-text available via subscription   (Followers: 1)
Federal Communication Law Journal     Full-text available via subscription   (Followers: 1)
Federal Law Review     Full-text available via subscription   (Followers: 22)
Federal Probation     Full-text available via subscription   (Followers: 2)
Feminist Legal Studies     Hybrid Journal   (Followers: 16)
feminists@law     Open Access   (Followers: 5)
Fiat Justisia     Open Access  
First Amendment Studies     Hybrid Journal  
Florida Bar News     Free  
Florida Law Review     Open Access   (Followers: 4)
Florida State University Law Review     Open Access   (Followers: 4)
Fordham Environmental Law Review     Open Access   (Followers: 4)
Fordham Intellectual Property, Media and Entertainment Law Journal     Open Access   (Followers: 18)
Fordham Law Review     Open Access   (Followers: 14)
FORO. Revista de Ciencias Jurídicas y Sociales, Nueva Época     Open Access   (Followers: 2)
Fundamina : A Journal of Legal History     Open Access   (Followers: 7)
Geoforum     Hybrid Journal   (Followers: 23)
George Washington Law Review     Free   (Followers: 8)
Georgia Law Review     Open Access   (Followers: 2)
Georgia State University Law Review     Open Access   (Followers: 2)
Global Journal of Comparative Law     Hybrid Journal   (Followers: 2)

        1 2 3 4 | Last

Journal Cover Boston College Journal of Law & Social Justice
  [10 followers]  Follow
    
  This is an Open Access Journal Open Access journal
   ISSN (Print) 2165-5235 - ISSN (Online) 2167-9088
   Published by Boston College Homepage  [8 journals]
  • Identity Crisis: Veasey v. Abbott and the Unconstitutionality of
           Texas Voter ID Law SB 14

    • Authors: Mary Kate Sexton
      Abstract: In July 2016, the United States Court of Appeals for the Fifth Circuit reheard en banc its own three-judge panel decision ruling that Texas Senate Bill 14 (SB 14), a law requiring individuals to present a form of photo identification in order to vote, was unconstitutional in violation of the First and Fifteenth Amendments to the U.S. Constitution and Section 2 of the Voting Rights Act. The en banc Fifth Circuit reversed the District Court for the Southern District of Texas’s decision that SB 14 violated Section 2 of the Voting Rights Act. The en banc Fifth Circuit affirmed, however, the district court’s ruling that SB 14 violated the Voting Rights Act because of its discriminatory effect, and remanded that issue to the district court to determine an appropriate remedy prior to the 2016 general election. The dissenting opinion argued that the majority relied on improper evidence to support its determination that SB 14 had a discriminatory effect on certain Texas voters. This comment argues that the en banc Fifth Circuit properly determined that SB 14 could have been enacted with a discriminatory purpose, and in fact did have discriminatory effects that unconstitutionally interfered with low-income minorities’ participation in the political process.
      PubDate: Wed, 28 Jun 2017 09:03:36 PDT
       
  • The Limits of Executive Clemency: How the Virginia Supreme Court Blocked
           the Restoration of Felons’ Political Rights in Howell v. McAuliffe

    • Authors: Alexander Pringle
      Abstract: On July 22, 2016, the Supreme Court of Virginia found Virginia Governor Terence McAuliffe’s actions restoring full political rights to 206,000 Virginians convicted of a felony unconstitutional. At the same time, the court issued a writ of mandamus ordering Commonwealth officials to remove these convicted felons from the voting rolls and return their names to the list of prohibited voters. Governor McAuliffe had restored the political rights of these released felons en masse, via a single Executive Order on April 22, 2016, eschewing the typical case-by-case review process for restoration of voting rights. The majority in the case held that the Governor’s Executive Order of April 22, 2016, along with subsequent orders, had violated article I, section 7 of the Virginia Constitution by illegally suspending the execution of laws without consent of the representatives of the people. The dissenting justices, applying a different interpretation, argued that the petitioners in the case lacked standing to pursue their claim, and that even if they had such standing, Governor McAuliffe’s actions would have been proper based on the plain reading of the Virginia Constitution. This comment argues that Justice Powell’s dissent most faithfully interprets the Virginia Constitution. It contends that given the contested nature of the historical record and the plain meaning of the constitutional language, the Virginia Supreme Court erred in finding Governor McAuliffe’s actions unconstitutional.
      PubDate: Wed, 28 Jun 2017 09:03:29 PDT
       
  • Mean Muggin’ No More: Detroit Free Press v. U.S. Dep’t of Justice and
           a Non-Trivial Privacy Interest in Booking Photographs

    • Authors: Meghan Looney
      Abstract: On July 14, 2016, the U.S. Court of Appeals for the Sixth Circuit held that criminal defendants have a legitimate privacy interest in their booking photographs, thereby reversing and remanding a grant of summary judgment in favor of the Detroit Free Press’s request for the booking photographs of four police officers who had recently been indicted for bribery and drug conspiracy. In holding that the public disclosure of booking photographs may constitute an unwarranted invasion of personal privacy, the majority overturned twenty years’ worth of Sixth Circuit precedent. The court properly acknowledged that booking photographs convey a portrait of guilt to the viewer, and that the Freedom of Information Act’s exemptions are meant to protect individuals who have not yet been convicted from having humiliating personal information freely disclosed to the public. This Comment argues in favor of the majority’s holding, which acknowledged that defendants have a privacy interest in their booking photographs and adopted a case-by-case approach to balancing that privacy interest against the public interest in releasing the photographs. The Sixth Circuit’s decision protects the personal identity of the accused in the age of the Internet, and allows defendants to truly maintain their presumption of innocence until proven guilty.
      PubDate: Wed, 28 Jun 2017 09:03:21 PDT
       
  • Trapped to Confess: State v. Gray and Arizona’s Outlier
           Entrapment Statute

    • Authors: Venus Chui
      Abstract: On June 20, 2016, in State v. Gray, the Arizona Supreme Court held that for a defendant to invoke the defense of entrapment, he or she must affirmatively admit each element of the crime. The case emerged after Maverick Gray was arrested and charged for selling cocaine to an undercover police officer, and raised the entrapment defense at trial without disputing the government’s evidence of his guilt. The court explained that simply choosing not to challenge the evidence does not rise to the level of an affirmative admission. The dissent persuasively argued that Arizona’s entrapment statute is draconian by contradicting a defendant’s right against self-incrimination, protected by the Fifth Amendment to the U.S. Constitution. This Comment agrees with the dissent’s position that Arizona’s entrapment defense should be read narrowly to uphold fairness and to protect defendants’ constitutional liberties.
      PubDate: Wed, 28 Jun 2017 09:03:13 PDT
       
  • Walking on Eggshells in the Workplace: Denying Workers’ Compensation
           Liability Using the Employee Knowledge Standard in Ramirez-Trujillo v.
           Quality Egg, L.L.C.

    • Authors: Christopher Cataldo
      Abstract: On April 15, 2016, the Iowa Supreme Court held that employers in workers’ compensation cases could deny liability for medical expenses incurred by employees even if they did not give notice to the employee that expenses were no longer authorized. Employers can avoid liability by demonstrating that the employee knew or reasonably should have known that such expenses were no longer authorized at the time the employee incurred them. In reaching this decision, the Iowa Supreme Court reversed two lower court decisions and the workers’ compensation commissioner. Judge Daryl L. Hecht’s dissent argued against the majority’s new “employee knowledge” standard, reasoning that it is incompatible with the clear language of the worker’ compensation statute and would therefore create confusion and uncertainty in workers’ compensation cases by upsetting the balance of interests between employers and employees that the legislature set. This Comment argues in favor of the dissent’s proposed approach because the employee knowledge standard increases the already substantial advantages employers enjoy over employees in workers’ compensation cases and is fundamentally unfair towards Iowa workers, the principal population the statute was designed to protect and benefit.
      PubDate: Wed, 28 Jun 2017 09:03:05 PDT
       
  • Cleaning Up the Standards of the Mental Hygiene Law: State v. Dennis K.
           and Civil Commitment

    • Authors: Maria Benvenuto
      Abstract: On July 5, 2016, in State v. Dennis K., the Court of Appeals of New York upheld the civil commitment of two individuals in accordance with article 10 of the Mental Hygiene Law. The majority relied on the testimony of expert witnesses and the individuals’ past criminal records to classify them as possessing a “mental abnormality” that predisposes them to commit sexual offenses, a necessary element of a civil commitment finding. The court ultimately found the evidence presented sufficient to make this classification and indefinitely restrict the freedom of such individuals. In contrast, the dissent emphasized the lack of certainty in such classifications, specifically in the link between the mental diagnoses of the individuals and their predisposition to commit sexual offenses. In civilly committing individuals who may not be predisposed to commit sex offenses, the dissent accurately argues that the state statute is not serving a legitimate purpose, and is therefore unjustly infringing on the substantive due process rights of those who commit sexual offenses, an already politically unpopular group.
      PubDate: Wed, 28 Jun 2017 09:02:57 PDT
       
  • The Housing Market Cannot Fully Recover Without a Robust Rental Policy

    • Authors: Michael A. Stegman
      Abstract: There is no one explanation for why access to mortgage credit remains so tight this far into the housing recovery, nor is there a consensus on why our national homeownership rate has fallen to a fifty-year low, but one thing is clear: the homeownership and rental markets are two sides of the same coin. As such, policymakers must understand that pressures and problems in one have implications for the other. As we disentangle and address the interwoven causes of our credit access and homeownership challenges, we do have a set of affordable rental policies and programs, proven effective and informed by ongoing research and best-practice executions. Free from legacy obligations, and with fresh eyes, new ideas, and a modest investment, the new administration has a tremendous opportunity to meet our most urgent affordable rental needs right out of the block. What should constitute that package of policies and programs is the focus of this article.
      PubDate: Sat, 27 May 2017 10:40:50 PDT
       
  • Why Cyclicality Matters to Access to Mortgage Credit

    • Authors: Patricia A. McCoy et al.
      Abstract: Virtually no attention has been paid to the problem of cyclicality in debates over access to mortgage credit, despite its importance as a driver of tight credit. Housing markets are prone to booms accompanied by bubbles in mortgage credit in which lenders cut underwriting standards, leading to elevated loan defaults. During downturns, these cycles artificially impede access to mortgage credit for underserved communities. During upswings, these cycles make homeownership unnecessarily precarious for many who attain it. This volatility exacerbates wealth and income disparities by ethnicity and race. The boom-bust cycle must be addressed in order to assure healthy and sustainable access to credit for creditworthy borrowers. Although the inherent cyclicality of the housing finance market cannot be fully eliminated, it can be mitigated to some extent. Mitigation is possible because housing market cycles are financed by and fueled by debt. Policymakers have already begun to develop a suite of countercyclical tools to help iron out the peaks and troughs of the residential mortgage market. In this article, we discuss why access to credit is intrinsically linked to cyclicality and canvass possible techniques to modulate the extremes in those cycles.
      PubDate: Sat, 27 May 2017 10:40:46 PDT
       
  • ONE Mortgage: A Model of Success for Low-Income Homeownership

    • Authors: Clark L. Ziegler et al.
      Abstract: A 1989 report by the Federal Reserve Bank of Boston identified major racial disparities in mortgage lending in the City of Boston that could not be explained by income, credit scores, or other objective underwriting factors. In response, city and state officials, community organizations, and major banking institutions joined together in 1990 to design and launch what is now the Massachusetts ONE Mortgage program. The program is built around a low down payment mortgage loan with discounted interest rates, a state funded loan loss reserve that eliminates the need for mortgage insurance, retention of servicing and credit risk by the originating lenders for the life of the loans, a rigorous homebuyer education requirement for all participating borrowers, and a network of post-purchase support including immediate intervention on delinquent loans. After twenty-five years of operation, $3.4 billion in mortgage originations and nearly 20,000 home purchases by low- and moderate-income homebuyers, the program has been a resounding success. About half of all loans have been to households of color, and about two-thirds of the home purchases have been in urban neighborhoods that are historically underserved by conventional credit. Delinquency rates have been comparable to prime loans, and foreclosure rates have been substantially lower than prime loans.
      PubDate: Sat, 27 May 2017 10:40:41 PDT
       
  • Expanding the Mortgage Credit Box: Lessons from the Community Advantage
           Program

    • Authors: Roberto G. Quercia et al.
      Abstract: The Great Recession has raised concerns about the promotion of homeownership to low- and moderate-income families. The subprime credit boom of the early 2000s was replaced with an overall credit retrenchment. The reforms to the housing finance system, begun with the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act, remain incomplete given the uncertain future of the Federal National Mortgage Association (“Fannie Mae”) and the Federal Home Loan Mortgage Corporation (“Freddie Mac”). In light of this uncertainty, can or should homeownership continue to be supported, and if so, in what way? In this paper, we examine one model of targeted mortgage lending for low-income households: the Community Advantage Program (CAP). Using more than ten years of longitudinal data, we summarize the design and key outcomes of CAP before and after the financial crisis, including mortgage performance, wealth accumulation, and the drivers of these outcomes. We then present lessons learned and suggest innovative approaches for the design of similar programs in the future.
      PubDate: Sat, 27 May 2017 10:40:37 PDT
       
  • Mortgage Supply Chain Failure and Innovation

    • Authors: Lisa Davis
      Abstract: The standard mortgage supply chain is so costly and inefficient that large national banks have dramatically scaled back their provision of mortgages to low- and moderate-income households. Absent regulatory requirements, subsidy, improvement in the way the mortgage supply chain works, or maybe all three, low- and moderate-income households will continue to be underserved by those banks with the largest share of the mortgage market. A number of factors contribute to this problem, including expensive marketing costs and commissions, as well as the obsolete, paper-based technology for loan production. Arguably, the national banking system has never excelled at providing fairly priced mortgages to low- and moderate-income borrowers or in low- and moderate-income communities without external motivation, and furthermore, has still not dealt with a history of discrimination that underlies this lack of capacity. While community development organizations, local and regional banks, and credit unions have developed small local capacity to address these credit gaps, we need a system for scaling up and integrating the ability to serve this sector of the market. For example, we need a method for integrating the housing counseling system and the risk mitigation benefits it provides into the loan origination process and secondary market pricing.This Article envisions a new way of organizing the community development sector in order to expand sustainable credit to qualified low- and moderate-income borrowers. To reduce costs, the existing housing counseling system would be tapped to provide outreach and marketing in place of the marketing structure used by mortgage brokers and banks. In this new supply chain, housing counseling agencies would refer loan applicants to community development financial institutions (CDFIs) or credit unions, which would originate mortgages at reduced cost. To further limit costs, marketing would be shifted to a technology platform that would allow applicants to apply online and connect housing counseling agencies to CDFIs and secondary market buyers. CDFIs would be connected to one another and able to share, standardize and manufacture not only loan products but also efficient systems for delivering them both to consumers and the secondary market. The Article closes by describing two initiatives that are seeking to create a national marketplace of CDFIs, linked to the housing counseling system, to create a wholesale conduit for home loans.
      PubDate: Sat, 27 May 2017 10:40:32 PDT
       
  • Discussion of Papers on Cyclicality in Mortgage Markets

    • Authors: Edward J. Kane
      Abstract: The mortgage market can be portrayed as a complicated machine that processes information and disinformation to help lenders and would-be homeowners to fashion an enforceable and fair set of mutual obligations. The papers in this symposium issue focus on ameliorating cyclical speed-ups and slowdowns in the lender-operated parts of this machine. My discussion focuses on two issues: (1) how transitioning to a gig economy is changing household needs for owner-occupied and rental homes across different age groups; and (2) how to use the legal system to lessen the informational disadvantage that would-be homeowners face in understanding the deals they are offered.
      PubDate: Sat, 27 May 2017 10:40:28 PDT
       
  • Waiting for Homeownership: Assessing the Future of Homeownership

    • Authors: Jonathan Spader et al.
      Abstract: The decade-long decline in the homeownership rate in the United States has generated substantial discussion over its future path. In the face of continued uncertainty, this Article seeks to assess what we know and do not know about the sources of the decline and the likely trajectory of the homeownership rate in coming years. The analyses use the Annual Social and Economic Supplement (ASEC) of the Current Population Survey for 1985 to 2015 to examine the determinants of changes in the homeownership rate, using shift-share analyses to measure the extent to which changing demographics explain the observed changes. The results show that demographic trends—aging of the population, increasing racial/ethnic diversity, delayed marriage and childbirth, and related factors—explain only a small portion of the housing market’s boom and bust. Instead, the homeownership rate’s rise and fall have been due to broader changes in the economy, credit conditions, and housing markets. This Article then presents homeownership projections for 2015 to 2035, describing three scenarios that define a range of homeownership outcomes. The low and high scenarios presented in this Article produce a range for the national homeownership rate of 60.7% to 64.8% by 2035. The analyses describe the implications of each scenario for growth in the number of homeowner households, as well as the distributional implications of lower versus higher homeownership rates for homeownership outcomes by age, race/ethnicity, and family type.
      PubDate: Sat, 27 May 2017 10:40:24 PDT
       
  • Quantifying the Tightness of Mortgage Credit and Assessing Policy Actions

    • Authors: Laurie S. Goodman
      Abstract: This Article quantifies the dramatic tightening of mortgage credit that has occurred in the post-crisis period. It then describes the policy actions to loosen the credit box taken to date by both the government sponsored enterprises (GSEs) and their regulator, the Federal Housing Finance Agency (FHFA), as well as those taken by the Federal Housing Administration (FHA), concluding the FHA still has some important actions it has yet to undertake. Finally, the consequences of tight credit are discussed: namely, a lower home ownership rate, particularly among minorities, leaving many unable to access what has historically been the single most powerful vehicle to build wealth.
      PubDate: Sat, 27 May 2017 10:40:19 PDT
       
  • Foreword

    • Authors: Patricia A. McCoy
      Abstract: In the wake of the financial crisis, mortgage lending to lower-income and minority borrowers overcorrected and has not recovered. Although homeownership is a riskier investment than previously realized, still it remains a proven path to increased wealth on balance for lower-income households. There are a number of reasonable reforms that could achieve greater access to credit while containing default risk. These include strategies to reduce down payments safely and to keep monthly payments manageable, combined with fixed-rate loans. Prepurchase counseling is important to preparing applicants for the financial demands of homeownership and strengthening their credit histories, while rapid foreclosure prevention counseling can reduce foreclosures dramatically for borrowers who miss payments. In addition, larger, structural changes to the lending industry, mortgage regulation, and housing finance are needed to remove artificial institutional barriers to the flow of responsible credit. In the short term, these include countercyclical rules to minimize credit bubbles and investor reforms to alleviate lenders’ liability concerns for inadvertent misrepresentations and minor underwriting errors affecting loans. In the longer term, mortgage finance could be re-envisioned to integrate housing counselors, real estate professionals, and economists into the mortgage supply chain to produce better borrowing decisions at favorable pricing. Closing the circle, ensuring an adequate supply of affordable rentals would give lower-income households the flexibility they need to make the right housing decisions for their personal circumstances at each stage of their lives.
      PubDate: Thu, 25 May 2017 13:32:52 PDT
       
  • A Motion to Compel Changes to Federal Arbitration Law: How to Remedy the
           Abuses Consumers Face When Arbitrating Disputes

    • Authors: Jeremy McManus
      Abstract: Arbitration, as a form of alternative dispute resolution, is a favored method of settling legal disputes because it resolves disputes faster and more cost effectively than in-court litigation. Corporations often exploit the private nature of arbitration by including complex provisions in consumer contracts that require certain disputes to be resolved through arbitration. Consumers subject to these arbitration provisions often do not realize the existence of the provisions, and do not understand that because of undue corporate influence over arbitrators, arbitration tends to favor the corporations against which they arbitrate. Unfortunately, because the U.S. Supreme Court has declared that the Federal Arbitration Act (the “FAA”) preempts states’ ability to declare forced arbitration agreements unconscionable, consumers struggle to challenge unfavorable arbitration awards. To remedy the abuses consumers face in the arbitration arena, this Note argues that Congress should amend the FAA to allow states to declare forced arbitration agreements unconscionable.
      PubDate: Thu, 20 Apr 2017 09:24:08 PDT
       
  • The Sermon on the Mountain of Cash: How to Curtail the Prosperity Scheme
           and Prevent Opportunists from “Preying” on Vulnerable Parishioners

    • Authors: Jacob M. Bass
      Abstract: Many televangelists in the United States preach the “prosperity gospel,” a doctrine which teaches that a religiously faithful person who continually donates money to church ministries can expect God to grant material improvements to their finances, health, and relationships. Americans who participate in prosperity gospel churches often donate thousands of dollars to these churches, despite their difficulty financing such large donations and the lack of the promised material improvement to their lives. Televangelists who preach the prosperity gospel secretly use these donations to finance their extravagant lifestyles, instead of using the funds to support the faithful masses who continue to donate. The U.S. Constitution’s Free Exercise Clause makes it difficult to regulate this religiously-based scheme. This Note argues that to rectify the abuses of prosperity preachers, prosecutors and private individuals should work within the framework of existing criminal and tax law to seek convictions for fraud and tax evasion.
      PubDate: Thu, 20 Apr 2017 09:24:03 PDT
       
  • “Hurdling” Gender Identity Discrimination: The Implications of State
           

    • Authors: Kayla L. Acklin
      Abstract: The number of students, in grades kindergarten through high school, who identify as transgender has steadily increased during the last decade. These students seek the same opportunities as their cisgender peers, but are often denied participation in athletic activities because of their non-conforming gender-behavior. Currently, there is no federal law governing transgender participation in sports, which has resulted in an inconsistency among state athletic associations’ participation policies; the vast majority of states restricts participation. These states are limiting transgender students’ ability to receive the benefits that sports provide. To solve this inconsistency and provide equal opportunity for transgender students, this Note argues that the Civil Rights Act of 1964 be amended to prohibit gender-based discrimination. As a supplementary solution, the U.S. Department of Education should recommend Congress pass a bill conditioning federal funding of state after-school sports programs on the inclusion of all students, including transgender students.
      PubDate: Thu, 20 Apr 2017 09:23:59 PDT
       
 
 
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