CFPB Report Shows Payday Borrowers Stuck in “Revolving Door of Debt”
Recent agency study reveals most consumers re-borrow within two weeks of their first payday loan.
Regulators Place Spotlight on Shadow Insurance
Reports warn that spread of captive reinsurance companies could pose systemic market risk.
How Well is Obamacare Working?
Panel of Penn experts share latest research on the Affordable Care Act’s implementation.
Regulatory Transparency Should be a Two-Way Street
OSHA deserves praise for asking commenters submitting scientific information to disclose their funding sources.
More Whistleblowers Help Regulators Detect Misconduct
Financial regulators in the U.S. and U.K. receive a growing number of alerts from whistleblowers.
Why Litigation Cannot Adequately Address Local Climate Adaptation Efforts
New York City – and most cities – will not be held liable for their coastal adaptation efforts.
Banking Regulation Based on Hypotheticals?
Legal scholar argues that bank stress tests should be abandoned or made more robust.
The False Dichotomy of Agency Independence
Different agency design choices result in a continuum of independence.
How Should We Judge Agencies’ Decisions “Not to Decide?”
Working paper says agencies have broad, but cabined, discretion to delay and defer.
Obama’s Regulatory Chief Speaks at Penn Law
At PPR seminar, OIRA Administrator Howard Shelanski discusses his office’s role.
NLRB Proposes Rule to Speed Up Union Elections
To the ire of employers, proposal would allow employees to vote to unionize in less than half the current time.
Are Voluntary Environmental Programs the Answer?
New study of EPA’s “flagship” performance program draws into question the value of voluntary efforts.