Michael S. Barr

Professor of Law
Member of University of Michigan Law School Faculty 2001-

Forthcoming

• "Five Ways the Financial System Will Fail Next Time." (Forthcoming).
• "The Basel Committee, Global Administrative Law, and the Developing World." In India, the South and the Shaping of Global Administrative Law. Oxford Univ. Press. Forthcoming.

Books

• No Slack: The Financial Lives of Low-Income Americans. Washington, D.C.: Brookings Institution Press, 2012.
  MLaw Catalog
• Co-editor. Insufficient Funds: Savings, Assets, Credit and Banking Among Low-Income Households. R. Blank, co-editor. New York: Russell Sage, 2009.
  MLaw Catalog
• Co-editor. Building Inclusive Financial Systems: A Framework for Financial Access. A. Kumar and R. E. Litan, co-editors. Washington, D.C.: Brookings Institution Press, 2007.
  MLaw Catalog
  Full Text: WWW

Book Chapters

• Co-author. "Behaviorally Informed Regulation." S. Mullainathan and E. Shafir, co-authors. In Behavioral Foundations of Public Policy, edited by E. Shafir. 440-64. Princeton: Princeton University Press, 2012.
  UM Library Catalog
• Co-author. "Exploring the Determinants of High-Cost Mortgages to Homeowners in Low- and Moderate-Income Neighborhoods." J. K. Dokko and B. J. Keys, co-authors. In The American Mortgage System: Crisis and Reform, edited by S. Wachter and M. Smith, 60-86. Philadelphia: Univ. of Pennsylvania Press, 2011.
  Kresge Catalog
• Co-author. "Savings, Assets, Credit, and Banking Among Low-Income Households: Introduction and Overview." R. M. Blank, co-author. In Insufficient Funds: Savings, Assets, Credit and Banking Among Low- and Moderate-Income Households, edited by M. S. Barr and R. M. Blank, 1-22. New York: Russell Sage, 2009.
  MLaw Catalog
  Full Text: WWW
• "Financial Services, Saving, and Borrowing Among Low- and Moderate-Income Households: Evidence from the Detroit Area Household Financial Services Survey." In Insufficient Funds: Savings, Assets, Credit and Banking Among Low- and Moderate-Income Households, edited by M. S. Barr and R. Blank, 66-96. New York: Russell Sage, 2009.
  MLaw Catalog
• Co-author. "The Case for Behaviorally Informed Regulation." S. Mullainathan and E. Shafir, co-authors. In New Perspectives on Regulation, edited by D. Moss and J. Cisternino, 25-61. Cambridge, MA: The Tobin Project, 2009.
  Full Text: WWW
• Co-author. "Behaviorally Informed Home Mortgage Regulation." S.Mullainathan and E.Shafir, co-authors. In Borrowing to Live: Consumer and Mortgage Credit Revisited, edited by N. Retsinas and E.Belsky, 170-202. Washington, D.C.: Brookings Institution Press, 2008.
  MLaw Catalog
  Full Text: SSRN | WWW
• "Government Policies to Expand Financial Access." In Building Inclusive Financial Systems: A Framework for Financial Access, edited by M. S. Barr, A. Kumar, and R. E. Litan, 143-74. Washington, D.C.: Brookings Institution Press, 2007.
  MLaw Catalog
  Full Text: WWW
• "Conclusion." In Building Inclusive Financial Systems: A Framework for Financial Access, edited by M. S. Barr, A. Kumar, and R. E. Litan, 175-82. Washington, D.C.: Brookings Institution Press, 2007.
  MLaw Catalog
  Full Text: WWW
• "Banking the Poor: Overcoming the Financial Services Mismatch." In Ending Poverty In America: How To Restore the American Dream, edited by M. Crain, J. Edwards, and A. L. Kalleberg, 144-50. New York: New Press, 2007.
  UM Library Catalog
• Co-author. "Tax Preparation Services for Low- and Moderate-Income Households: Preliminary Evidence from a New Survey." J.K.Dokko, co-author. In Proceedings: 98th Annual Conference on Taxation, edited by J. Diamond, 255-63. Washington, D.C.: National Tax Association, 2006.
• "Tax Filing Experiences and Withholding Preferences of Low- and Moderate-Income Households Preliminary Evidence from a New Survey." J. K. Dokko, co-author. In Recent Research on Tax Administration and Compliance: Selected Papers Given at the 2006 IRS Research Conference, edited by J. Dalton and B. Kliss, 193-210. IRS Research Bulletin, Publication 1500. [Washington, D.C.]: Department of the Treasury, Internal Revenue Service, 2006.
  Full Text: WWW
• "Modes of Credit Market Regulation." In Building Assets, Building Credit: Creating Wealth in Low-Income Communities, edited by N. Retsinas and E. Belsky, 206-36. Washington, D.C.: Brookings Institution, 2005.
  MLaw Catalog
  Full Text: SSRN | BePress
• Co-author. "Institutions and Inclusion in Saving Policy." M. Sherraden, co-author. In Building Assets, Building Credit: Creating Wealth in Low-Income Communities, edited by N. Retsinas and E. Belsky. Washington, D.C.: Brookings Institution, 2005.
  MLaw Catalog
  Full Text: SSRN | BePress
• Co-author. "The Community Reinvestment Act: Its Impact on Lending in Low-Income Communities in the United States." L.de la Vina et al., co-authors. In Banking and Social Cohesion: Alternative Responses to a Global Market, edited by C. Guene and E. Mayo, 214-32. Charlbury, UK: Jon Carpenter Publishing, 2001.
  UM Library Catalog

Journal Articles

• "Too LIBOR, Too Late: Time to Move to a Market Rate." Competition Pol'y Int'l Antitrust Chron. 11, no. 2 (2012).
• "The Financial Crisis and the Path of Reform." Yale J. on Regulation 29, no. 1 (2012): 91-119.
  Full Text: HEIN (UMich users) | HEIN | Lexis | Westlaw
• Co-author. "Third-Party Tax Administration: The Case of Low- and Moderate-Income Households." J. K. Dokko, co-author. J. Empirical Legal Stud. 5, no. 4 (2008): 963-81.
  Full Text: HEIN (Umich users) | HEIN | Wiley (UMich users) | Wiley
• "An Inclusive, Progressive National Savings and Financial Services Policy." Harv. L. & Pol'y Rev. 1, no. 1 (2007): 161-84.
  Full Text: HEIN (UMich users) | HEIN | Westlaw | WWW
• Co-author. "Global Administrative Law: The View from Basel." G. P. Miller, co-author. Eur. J. Int'l L. 17, no. 1 (2006): 15-46.
  Full Text: SSRN | Westlaw | WWW
• "Credit Where It Counts: Maintaining a Strong Community Reinvestment Act." W. New Eng. L. Rev. 29, no. 1 (2006): 11-23.
  Full Text: SSRN | BePress | HEIN (UMich users) | HEIN | Lexis | Westlaw | WWW
• "Detroit Area Study on Financial Services: What? Why? How?" Law Quad. Notes 48, no. 1 (2005): 72-7.
  Full Text: WWW
• "Credit Where It Counts: The Community Reinvestment Act and Its Critics." N. Y. U. L. Rev. 80, no. 2 (2005): 513-652.
  Full Text: SSRN | BePress | HEIN (UMich users) | HEIN | Lexis | Westlaw
• "Microfinance and Financial Development." Mich. J. Int'l L. 26, no. 1 (2004): 271-96.
  Full Text: SSRN | BePress | HEIN (UMich users) | HEIN | Lexis | Westlaw
• Co-author. "Globalization, Law and Development: Introduction and Overview (Globalization, Law and Development Conference)." R. S. Avi-Yonah, co-author. Mich. J. Int'l L. 26, no. 1 (2004): 1-12.
  Full Text: SSRN | BePress | HEIN (UMich users) | HEIN | Lexis | Westlaw
• "Banking the Poor." Yale J. on Regulation 21, no. 1 (2004): 121-237.
  Full Text: SSRN | BePress | HEIN (UMich users) | HEIN | Lexis | Westlaw
• "Banking for the Unbanked." Law Quad. Notes 45, no. 2 (2002): 60-3. (Essay based on testimony delivered before the Senate Committee on Banking, Housing, and Urban Affairs in May 2002.)
  MLaw Catalog
• "Access to Financial Services in the 21st Century: Five Opportunities for the Bush Administration and the 107th Congress (Symposium on Poverty and the Law)." Notre Dame J. L. Ethics & Pub. Pol'y 16, no. 2 (2002): 447-73. (An earlier version appeared in Cap. Xchange (2001).)
  Full Text: HEIN (UMich users) | HEIN | Lexis | Westlaw
• "Access to Financial Services in the 21st Century: Five Opportunities for the Bush Administration and the 107th Congress." Cap. Xchange (2001).
  Full Text: WWW
• "Using CRA in Affordable Housing." J. Affordable Housing & Community Development L. 9 (1999): 13-7. (Work published when author not on Michigan Law faculty.)
  Full Text: HEIN (UMich users) | HEIN
• Co-author. "Making Sense of the National Health Insurance Reform Debate." T. R. Marmor, co-author. Yale L. & Pol'y Rev. 10 (1992): 228-82. (Work published when author not on Michigan Law faculty.)
  Full Text: HEIN (UMich users) | HEIN | Westlaw
• Co-author. "Labor and Environmental Rights in the Proposed Mexico-United States Free Trade Agreement." R Honeywell and S. A. Stofel, co-authors. Hous. J. Int'l L. 14, no. 1 (1991): 1-84. (Work published when author not on Michigan Law faculty.)
  Full Text: HEIN (UMich users) | HEIN | Westlaw

Reviews

• Review of Seeds of Destruction: Why the Path to Economic Ruin Runs through Washington, and How to Reclaim American Prosperity, by G. Hubbard and P. Navarro. J. Econ. Literature 49, no. 3 (2011): 740-3.
  Full Text: WWW

Other Publications

• "Policies to Expand Minority Entrepreneurship: Closing Comments." In Entrepreneurship in Emerging Domestic Markets: Barriers and Innovation, edited by G. Yago, J. R. Barth, and B. Zeidman, 141-50. The Milken Institute Series on Financial Innovation and Economic Growth, vol. 7. New York: Springer, 2008.
  Full Text: WWW
• Co-author. An Opt-Out Home Mortgage System. S. Mullainathan and E. Shafir, co-authors. The Hamilton Project Discussion Paper, no. 2008-14. Washington, D.C.: The Brookings Institution, 2008.
  Full Text: WWW
• Co-author. Issue Brief: Overcoming Legal Barriers to the Bulk Sale of At-Risk Mortgages. J. A. Feldman, co-author. Washington, D.C.: Center for American Progress, 2008.
  Full Text: WWW
• Co-author. "Behaviorally Informed Financial Services Regulation." Asset Building Program Policy Paper. S. Mullainathan and E. Shafir, co-authors. New America Foundation, (2008).
  Full Text: WWW
• A. Kumar and R. E. Litan, co-authors. Introduction to Building Inclusive Financial Systems: A Framework for Financial Access, by M. S. Barr, A. Kumar, and R. E. Litan, co-editors. Washington, D.C.: Brookings Institution Press, 2007.
  MLaw Catalog
  Full Text: WWW
• "Banking the Poor: Policies to Bring Low-Income Americans Into the Financial Mainstream." Metropolitan Policy Program Research Brief. Washington, D.C.: Brookings Institution, (2004).
  Full Text: SSRN

Reprints (Articles and other publications reprinted in full and Law Quadrangle)

• "Bancariser les pauvres: les politiques permettant d'amener les Américains à faible revenu dans le courant financier dominant." In Exclusion et Liens Financiers: L'exclusion bancaire des particuliers, edited by G. Gloukoviezoff, 75-112. Rapport du Centre Walras, 2004. Paris: Economica, 2005. (Modified and translated version of article originally published in English as "Banking the Poor." Yale J. on Reg. 21, no. 1 (2004): 121-237.)
  MLaw Catalog
• "Banking the Poor: Policies to Bring Low- and Moderate-Income Households in the United States into the Financial Mainstream." In New Frontiers in Banking Services: Emerging Needs and Tailored Products for Untapped Markets, edited by L. Anderloni, M. D. Braga, and E. M. Carluccio, 323-52. Berlin: Springer, 2007. (Originally published as Banking the Poor: Policies to Bring Low-Income Americans Into the Financial Mainstream. Washington, D.C.: Brookings Institution, 2004.)
  MLaw Catalog

Works in Progress & Working Papers

• Co-author. Preferences for Banking and Payment Services Among Low- and Moderate-Income Households. J. Dokko and E. M. Feit, co-authors. FEDS Working Paper, no. 2011-13; Univ. of Michigan Empirical Legal Studies Working Paper Series, no. 11-007; Univ. of Michigan Public Law and Legal Theory Working Paper Series, no. 238. Working Paper, 2011.
  Full Text: SSRN | BePress
• Co-author. Paying to Save: Tax Withholding and Asset Allocation Among Low- and Moderate-Income Taxpayers. J. Dokko, co-author. Univ. of Michigan Public Law and Legal Theory Working Paper Series, no. 100; Univ. of Michigan John M. Olin Center for Law and Economics Working Paper Series, no. 07-022; Federal Reserve Board Divisions of Research & Statistics and Monetary Affairs Finance and Economics Discussion Paper Series. Working Paper, 2008.
  Full Text: SSRN | BePress | WWW
• Co-author. And Banking for All? J. K. Dokko and B. J. Keys, co-authors. Finance and Economics Discussion Series, vol. 2009, no. 34. Washington, D.C.: U.S. Federal Reserve Board. Working Paper, 2009.
  Full Text: WWW