Formulaic Transparency: The Hidden Enabler of Exceptional US Securitization (New article in JACF)
This article in many ways, is the “debt” counterpart to my 1993 Journal of Financial Economics piece and offers an
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Equifax Critics Are Missing the Bigger Point (Wall Street Journal op-ed)
Fair-lending laws turned consumers into anonymous credit scores—and a target for identity thieves. (Appeared in the September 14, 2017, print
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