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Michael S. Barr

Michael S. Barr

Roy F. and Jean Humphrey Proffitt Professor of Law
Member of University of Michigan Law School Faculty 2001-



Forthcoming

  • "Innovation & Regulation: Some Preliminary Observations from Financial Regulation." Proceedings of the 19th International Banking Conference (Forthcoming).

Books

  • Financial Regulation: Law and Policy. H. E. Jackson and M. E. Tahyar, co-authors. St. Paul, Minn.: Foundation Press, 2016.
    MLaw Catalog
  • 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

Book Chapters

  • "International Lawmaking by Hybrid Bodies: The Case of Financial Regulation." In Handbook on the Theory and Practice of International Lawmaking, edited by C. Brolmann and Y. Radi, 262-85. Northampton, Mass.: Edward Elgar Publishing, 2016.
    Full Text: Elgar Online (UMich users) | Elgar Online
  • "Behaviorally Informed Regulation." S. Mullainathan and E. Shafir, co-authors. In Behavioral Foundations of Public Policy, edited by E. Shafir, 440-64. Princeton, N.J.: Princeton University Press, 2012.
    Full Text: MLaw Repository
  • "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: University of Pennsylvania Press, 2011.
  • "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, Mass.: The Tobin Project, 2009.
    Full Text: MLaw Repository | WWW
  • "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
  • "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
  • "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
  • "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.
    Full Text: MLaw Repository
  • "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.
    Full Text: MLaw Repository
  • "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: MLaw Repository | 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.
    Full Text: MLaw Repository | SSRN
  • "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.
    Full Text: MLaw Repository | SSRN
  • "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, U.K.: Jon Carpenter Publishing, 2001.
    U-M Library Search

Journal Articles


Reviews


Other Publications

  • Editor. "Financial Reform: Preventing the Next Crisis." RSF: Russell Sage Found. J. Soc. Sci. 3, no. 1 (2017).
    Full Text: WWW
  • Minority and Women Entrepreneurs: Building Capital, Networks, and Skills. The Hamilton Project Discussion Paper 2015-03. Washington, D.C.: Brookings, 2015.
    Full Text: MLaw Repository | WWW
  • "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: MLaw Repository
  • 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: MLaw Repository
  • "Behaviorally Informed Financial Services Regulation." Asset Building Program Policy Paper. S. Mullainathan and E. Shafir, co-authors. Washington, D.C.: New America Foundation, 2008.
    Full Text: MLaw Repository | WWW
  • 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: MLaw Repository
  • 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
  • "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: MLaw Repository | SSRN

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

  • "Mandatory Arbitration in Consumer Finance and Investor Contracts." In Enforcement of Corporate and Securities Law: China and the World, 66-85. Cambridge: Cambridge University Press, 2017. (Originally published under the same title in NYU J.L. & Bus. 11 no. 4 (2015): 793-817.)
    MLaw Catalog
  • "Microfinance and Financial Development." In Economics of Financial Law, edited by G. P. Miller, vol. II. Cheltenham, U.K.: Edward Elgar Publishing, 2016. (Originally published under the same title in Mich. J. Int'l L. 26, no. 1 (2004): 271-96.)
    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
  • "Bancariser les pauvres: les politiques permettant d'amener les Am√©ricains √† 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

Works in Progress & Working Papers

  •  Preferences for Banking and Payment Services Among Low- and Moderate-Income Households. Jane Dokko and Eleanor Feit, co-authors. FEDS Working Paper, no. 2011-13; University of Michigan Empirical Legal Studies Working Paper Series, no. 11-007; University of Michigan Public Law and Legal Theory Working Paper Series, no. 238. Working Paper.
    Full Text: MLaw Repository | SSRN
  •  Nothing Left to Lose? Changes Experienced by Detroit Low- and Moderate-Income Households During the Great Recession. D. Schaffa, co-author. Washington Center for Equitable Growth Working Paper; University of Mich. Law & Economics Research Paper No. 16-109; University of Michigan Public Law & Legal Theory Research Paper No. 518. Working Paper.
    Full Text: SSRN
  • Big Data in Finance: Highlights from the Big Data in Finance Conference Hosted at the University of Michigan October 27-28, 2016. Brian Koziara, Mark D. Flood, Alfred Hero, and H. V. Jagadish, co-authors. University of Michigan Law & Economics Research Paper No. 18-010. Working Paper.
    Full Text: SSRN
  • "Five Ways the Financial System Will Fail Next Time." Work in Progress.



Revised 10/29/2019