Podcast appearances and mentions of Todd Zywicki

The future of the national bank system is increasingly uncertain as federal regulators have incorporated DEI and ESG into bank supervision, creating tensions with some states. Several states have responded by attempting to ban such practices, potentially creating conflicting legal duties for banks. Meanwhile, other states are challenging interest rate exportation and other aspects of state preemption, which arguably undermines the value of national charters and hampers the ability of banks and fintechs to scale nationwide. The Supreme Court's recent overruling of the Chevron doctrine adds another layer of uncertainty as federal regulators will receive reduced deference. Do these conflicts signal the end of national bank charters, and are we headed toward a red-state/blue-state banking system? This panel will explore these questions.Featuring:Mr. John Court, Executive Vice President, General Counsel & COO, Bank Policy InstituteMr. Will Hild, Executive Director, Consumers’ ResearchProf. Todd Zywicki, George Mason University Foundation Professor of Law, Antonin Scalia Law School, George Mason UniversityModerator: Hon. Ryan D. Nelson, Judge, United States Court of Appeals, Ninth Circuit

In September, the Department of Justice announced that it would withdraw its 1995 bank merger guidelines and apply its 2023 merger guidelines for all industries, a move that some have interpreted as signaling stricter review of bank mergers. At the same time, Congress is considering the “Credit Card Competition Act,” which purports to promote competition in the credit card network space. Join us for a discussion of these topics and their implications for consumers, competition, and the economy as well as Capital One’s proposed acquisition of Discover.Featuring:Prof. Todd Zywicki, George Mason University Foundation Professor of Law, Antonin Scalia Law School, George Mason UniversitySen. Patrick Toomey, Former United States Senator (PA), Ranking Member of the Senate Committee on BankingDr. Diana Moss, Vice President and Director of Competition Policy, Progressive Policy InstituteModerator: Jelena McWilliams, Managing Partner and Head of the Financial Institutions Group, Cravath, Swaine, & Moore Washington, D.C. office, Former Chairman of the Federal Deposit Insurance Corporation (FDIC)--To register, click the link above.

Send us a textTodd Zwicky, professor at George Mason's Scalia Law School, challenges some conventional legal doctrine, taking up the views of Bruno Leone and Friedrich Hayek. What if the legal world has underestimated the power of spontaneous order? Todd's intellectual journey sheds light on how these groundbreaking ideas contrast sharply with the dominant constructivist views shaping contemporary legal thought. Todd offers perspectives on the role of intuition and reasonableness in the courtroom, inspired by the legacies of Leone and Hayek. Uncover the hidden parallels between market dynamics and legal systems, emphasizing the fluidity of Roman law as a process of discovery. Links:Todd Zywicki's Faculty PageZywicki's published work on Leoni, and the Common LawThe Rise and Fall of Efficiency in the Common Law: A Supply-Side Analysis, 97 NORTHWESTERN L. REV. 1551 (2003). Common Law and Economic Efficiency (with Edward Stringham), in 7 ENCYCLOPEDIA OF LAW AND ECONOMICS: THE PRODUCTION OF LEGAL RULES (2d ed., Francesco Parisi, ed., 2012). Bruno Leoni's Legacy and Continued Relevance, 30(1) J. OF PRIVATE ENTERPRISE 131-41 (2015).Austrian Law and Economics and Efficiency in the Common Law (with Edward Stringham), in RESEARCH HANDBOOK ON AUSTRIAN LAW AND ECONOMICS 192 (Todd J. Zywicki and Peter J. Boettke, eds. 2017). The Loper Bright SCOTUS Decision (And the Gorsuch concurrence!)If you have questions or comments, or want to suggest a future topic, email the show at taitc.email@gmail.com ! You can follow Mike Munger on Twitter at @mungowitz

Join the DC Young Lawyers Chapter and the George Mason Student Chapter for an evening conversation and reception. Featuring:Prof. Jennifer Mascott, Assistant Professor of Law and Co-Executive Director, C. Boyden Gray Center for the Study of the Administrative State, Antonin Scalia Law School, George Mason UniversityThomas McCarthy, Partner, Consovoy McCarthy PLLC; Adjunct Professor, George Mason University Scalia LawProf. Todd Zywicki, George Mason University Foundation Professor of Law, Antonin Scalia Law School, George Mason UniversityDoors open at 6 with the program to begin promptly at 6:30. A reception will follow. This event is free to attend.

Todd Zywicki is the George Mason University Foundation Professor of Law at George Mason University's Antonin Scalia School of Law. He is also the Visiting Scholar in Conservative Thought and Policy here at the Benson Center. He previously served as Chair of the Consumer Financial Protection Bureau Taskforce on Federal Consumer Financial Law, Chair of the Association of American Law Schools Section on Law & Economics in 2019, and Director of the Office of Policy Planning at the Federal Trade Commission. We discuss the rule of law, its importance to economic development and western civilization, and the threats it faces in our society today. 

Today we're bringing you a special episode focused on digital autonomy and Joel's thought experiment that he has called the Control Layer. We're joined by Todd Zywicki, renowned Professor of Law at George Mason University, to help us unpack all the legality surrounding what we truly own on our screens, and where this digitized age is heading next. All of this right here, right now, on the Modern CTO Podcast!  For more about Todd, visit his Wikipedia page here. Have feedback about the show? Let us know here. Produced by ProSeries Media. For booking inquiries, email booking@proseriesmedia.com

In this episode I'm talking with Todd Zywicki, the George Mason University Foundation Professor of Law in the Antonin Scalia Law School and former Executive Director of the GMU Law and Economics Center.  He is also one of the most engaging and clear thinkers about the vast and complicated world of consumer financial services. He was Chair of the Consumer Financial Protection Bureau Taskforce on Federal Consumer Financial Law and served as Editor of the Supreme Court Economic Review.  Todd's recent article “Restoring the Rule of Law in Finance” served as our launching point for a fascinating - and disturbing - conversation about how financial regulation has become a key weapon in the progressives arsenal to fundamentally change America. The rule of law is in steep decline in the United States. And perhaps no more so than where I've spent most of my career: in finance and banking.  Financial regulation is unusually convoluted and secretive. It affects us directly every day, but most of us are not even aware of how it operates and its agenda, even though the financial system is an essential infrastructure of our society and economy. It enables people to have a bank account, buy a home, start a business, or simply make a purchase at the grocery store.  This sounds like it could be a commonplace, or even boring topic, but let me assure you, after listening to Todd explain what's really happening, it is not.  For more: https://billwalton.substack.com/publish/posts

Indictment Watch(TM) continues as Liz and Andrew update you as to what's new with Bernard Kerik before debunking the false arguments being made in defense of the fake electors who plotted with Trump to try and steal the 2020 election. If you've ever heard anyone dishonestly suggest that "Hawaii in 1960" justifies generating fake electoral certificates, this is the episode for you! Notes Judge Howell Discovery Order re Kerik Motion to Compel https://storage.courtlistener.com/recap/gov.uscourts.dcd.238720/gov.uscourts.dcd.238720.82.0_1.pdf Joint Stipulation re Kerik Discovery https://storage.courtlistener.com/recap/gov.uscourts.dcd.238720/gov.uscourts.dcd.238720.83.0_1.pdf  Chesebro-Troupis Dec. 9, 2020 memo https://int.nyt.com/data/documenttools/trump-electors-memo-december/eb149df1a68cc512/full.pdf Todd Zywicki, “The Law of Presidential Transitions and the 2000 Election,” BYU L. Rev. https://digitalcommons.law.byu.edu/cgi/viewcontent.cgi?article=2031&context=lawreview Zywicki 2023 declaration https://reason.com/wp-content/uploads/2023/07/Todd-Zywicki-Declaration-07.11.2023.pdf -Support us on Patreon at: patreon.com/law -Follow us on Twitter:  @Openargs -Facebook:  https://www.facebook.com/openargs/ -For show-related questions, check out the Opening Arguments Wiki, which now has its own Twitter feed!  @oawiki -And finally, remember that you can email us at openarguments@gmail.com

Professor Todd Zywicki joins Chelsea Follett to discuss environmental, social, and corporate governance (ESG) and the threat it poses to innovation, economic growth, and democracy.

Newly released documents show that the White House has played a major role in censoring Americans on social media.    Email exchanges between Rob Flaherty, the White House's director of digital media, and social-media executives prove the companies put Covid censorship policies in place in response to relentless, coercive pressure from the White House—not voluntarily as the government has claimed.    The emails emerged last month in the discovery phase of Missouri v. Biden, a free-speech case brought by the attorneys general of Missouri and Louisiana and four private plaintiffs, including leading epidemiologists Stanford's Jay Bhattacharya and Harvard's Martin Kulldorff.    Government's role in social media censorship has been just as bad as we feared and worse.    So what are the details, and what's at stake? To explain, Jenin Younes, litigation counsel at the New Civil Liberties Alliance which is representing the private plaintiffs in Missouri v. Biden, joins me on this episode with  Todd Zywicki, Professor at George Mason's Scalia Law School and who was last on the show exploring with me whether “Chinese-Style Social Credit Will Be Coming to America”   The ugly truth. We also now know that not only the White House, but also the Centers for Disease Control and Prevention, the Department of Homeland Security, the Federal Bureau of Investigation and other agencies have all played a major role in censoring Americans on social media, directing tech companies to remove certain types of material and even to censor specific posts and accounts.    Apparently they even censored this show.  “If you recall Bill,” reminds Todd, “the last time Jenin and I were here with you, was about when I sued my employer over trying to force me to get vaccinated even though I had natural immunity. And why that's so relevant to the conversation we're having today was that quite quickly that episode was removed from YouTube. It was taken down as violating the terms of service of YouTube. And to this day, we have no idea why.”   People were censored for saying things that we now know to be true.  “Martin Kulldorff is among the most cited scientists in the world when it comes to infectious disease issues and vaccine safety,” says Jenin. “And he was censored on Twitter for saying that people with natural immunity and children don't need the vaccine.”    The censorship regime has been widespread and relentless. Our argument here is that the companies, as private actors, have a right to do that, but that the government does not have a right to coerce private actors to do what the government wants them to do. The White House emails demonstrate that the federal government unlawfully coerced social media companies in an effort to ensure that Americans would be exposed only to state-approved information about Covid-19.   The government's unlawful, deceptive and dangerous conduct is the biggest issue of our day. We cover a lot in this episode: the First Amendment issues, public choice (government officials don't have a monopoly on truth), shadow banning, Section 230 (protects the social media companies but is now abused by them) and how Twitter has changed with Elon Musk in charge.    This is a fascinating and entertaining overview of the sometimes hard-to-understand issues. We taped this in-studio to amplify its importance, but if you don't have time to watch, be sure to listen in.  

Not long ago, many businesses competed to extend credit to consumers through unsecured lending, auto loans, home mortgage loans or installment sales. Sadly, true competition is no longer.In today's consumer lending environment, businesses are nothing other than agencies of federal and, to some degree, state governments acting under the veneer of a private business. They have an unholy alliance with government.The industry promised, "We will do your political bidding. We will give you political cover, so you can carry out the social policies you wish. In exchange, Mr. Government, you will make sure we never lose any money."That pact has been honored by both parties to the detriment of us – naive consumers.Todd Zywicki helps us understand how we got here, where we go from here, and how to spot it when it happens.

Virginia displays first nativity scene at state capital…and so does European Union. Virginia restuarant makes national news by being “intolerant!”

Central Bank Digital Currencies (CBDC) are the subject of global debate. While proponents see CBDC as a new tool to promote financial stability and inclusion, critics point out that the Federal Reserve would acquire vast new powers to potentially implement a comprehensive government social credit system. In theory, CBDC could be programmed to be used for only designated purposes, on specific items or at particular merchants. To stimulate the economy, CBDC could be programmed to expire in a certain limited time or deposited directly into certain individual’s bank accounts. These concerns about the risks posed by CBDC have been foreshadowed by the actions of American banks and payment processors to refuse to serve certain individuals, non-profit organizations, or merchants. Actions by foreign governments illustrate the potential danger of comprehensive government control over personal financial transactions. China has banned cryptocurrencies and developed its own CBDC, which will enable the Chinese government to monitor and control personal transactions and behavior. In Canada, the government froze the bank accounts and cryptocurrency wallets of anti-vaccine mandate protestors and those who had made donations to support them. If the U.S. were to adopt a CBDC, how can the privacy and financial freedom of Americans be protected? Furthermore, how can the U.S. avoid some of the troubling trends seen in other countries and the troubling potential expansion of administrative power as it weighs the issue ofCBDCs?Featuring:Hon. Randal Quarles, Chairman & Co-Founder, The Cynosure Group; Former Vice Chair, Federal Reserve; Former Chair, Financial Stability BoardProf. Steven L. Schwarcz, Stanley A. Star Distinguished Professor of Law & Business, Duke University Law SchoolProf. Todd Zywicki, George Mason University Foundation Professor of Law, George Mason University Antonin Scalia School of Law; Former Chair, Consumer Financial Protection Bureau Taskforce on Federal Consumer Financial LawModerator: Hon. Joan Larsen, U.S. Court of Appeals, Sixth Circuit

Todd Zywicki is a George Maron University Foundation Professor of Law and former senior staff member at the Federal Trade Commission *Follow him on Twitter: @ToddZywicki

In the decade since Barrack Obama remarked that “it would be so much easier to be the President of China,” the Chinese Communist Party has been working hard to make that job even easier. How?  One way is to impose a social credit system that monitors, rewards, and punishes people according to how closely their behavior conforms to the Party's diktats.  "The social credit system is an important component of the social market, the socialist market economy, and the social government system. Keeping trust is glorious, and breaking trust is disgraceful,” the Party declares.  So what happens in China when its people do things that the Communist Party thinks “breaks its trust”?  We saw that last month when some Chinese banking customers tried to organize a rally to protest having access to their bank deposits cut off. The CCP flipped their social credit health codes to red, which means they couldn't use public transport, they couldn't go into restaurants, they couldn't go into malls, they lost their right to travel. They were made into non-persons. Could this happen in America? My guest on this episode Todd Zywicki, Professor at George Mason's Scalia Law School and who served as Chair of the Consumer Financial Protection Bureau's Task Force on Consumer Financial Law, is quite concerned. “In contrast to China, at least for the time being, American government is constrained from imposing social credit criteria on Americans. But it wouldn't necessarily have to do it directly. The technologies and systems are in place so that social credit scoring could be implemented through our financial services system: banks, brokerage firms, credit rating agencies, insurance companies, etc.” At the World Economic Forum - home to the Global Reset agenda - their meetings have hosted presentations about rolling out credit cards that would monitor our individual carbon footprints. Also openly discussed were systems to implant chips to monitor vaccine booster shots. The system would remind you to get one, and if you didn't do it, then you'd be shut off from access to public spaces. These would be implemented by private sector actors but with the nodding approval of government agencies, much like Twitter has censored speech at the behest of federal health authorities.  Who is pushing social control in America and why? Are these paranoid imaginings, or are social credit scores coming to a American house near you? Maybe your house. There's a lot we need to know about these developments and Todd and I cover a lot of ground to examine the many issues. Worth a listen. "What's the difference between reality and conspiracy theory? About three months." 

Have you ever thought about what your life would be like if you were denied access to a bank account or a credit card or access to any kind of digital payment system? Well, it's happening and it's happening to an increasing number of people and organizations. Cancel culture has come to banking. PayPal, major credit card networks and banks have already stopped processing payments for organizations they deem “hate groups.” Remember “Operation Chokepoint”? Well, it's evolved and gotten even more draconian. And cryptocurrencies, which some thought might be a safe haven, well, maybe not so much. Bitcoin was supposed to be a financial lifeline for the truckers in Canada, but instead, Canadian authorities ordered banks and crypto exchanges to block transactions from crypto wallets tied to the truckers. Seems like everything has now become political, including our digital money. Joining me for a chilling conversation about these threats are Todd Zywicki, who served as Chair of the Consumer Financial Protection Bureau's Task Force on Consumer Financial Law and is a professor at George Mason's Scalia Law School, and Paul Watkins with Potomac Partners and Fusion Law Firm. He founded the Office of Innovation at the Consumer Financial Protection Bureau and served on the Digital Financial Stability Oversight Committee's Subcommittee on Digital Assets. Our money has become yet another battlefront in the struggle to preserve a free society. Todd and Paul are serious men talking about a serious issue. Please invest the time to listen and learn.

Law professor Todd Zywicki joins us to discuss (1) his lawsuit against his university's vaccine mandate, (2) the COVID regime in general, (3) the issue of cancel culture and banking. Special Offer: Happily date box: Take 50% off your first date at

The Mises Institute's Jeff Deist and Tho Bishop discuss whether Ron DeSantis should run for President, the future of Florida, and more. Also in the show, Todd Zywicki, law professor from George Mason University, calls in to talk about fighting booster mandates in universities and whether there will be accountability from the government when the tyrannical pandemic regulations have been lifted. Listen to the full episode for all this and more. Follow Todd Zywicki on Twitter. Visit A Neighbor's Choice website at aneighborschoice.com

Todd Zywicki is a professor of Law at George Mason University, Senior Fellow of the Cato Institute, and former Executive Director of the GMU Law and Economics Center. He has been on The Great Antidote previously to discuss the field of law and economics, and today we discuss the importance of federalism, the original structure of the legislative branch, and how the 17th amendment changed that structure. 

Two weeks into the term, the full Court is back on the bench and hearing oral arguments in their storied courtroom. Among the arguments this week was the death-penalty appeal of the Boston Marathon bomber. Your hosts discuss how in-person oral arguments are going, and some of the newly granted cases. Zack interviews George Mason professor Todd Zywicki and they talk about his career and his recent lawsuit against the university's vaccine mandate. Lastly, Zack grills GianCarlo with some very surprising SCOTUS trivia.Follow us on Twitter @scotus101 and send questions, comments, or ideas for future episodes to scotus101@heritage.org.Don't forget to leave a 5-star rating!Stay caffeinated and opinionated with a SCOTUS 101 mug. See acast.com/privacy for privacy and opt-out information.

The Democrat Party undercuts every value that has built this nation… The Democrats are trying to get as many people as possible addicted to government handouts as possible… Dennis talks to Todd Zywicki, professor of law at George Mason U and fellow at the Cato Institute. The topic is vaccine mandates.   See omnystudio.com/listener for privacy information.

In this episode, we wanted to talk about COVID, again! This time we invited Gena & Erica from the Girls to Queens Podcast. They shared their views and facts on the vaccines and how keeping yourself healthy through food and exercise is the best form of immunity! Of course, it wouldn't be problematic with a few jabs at the current administration and how this is being handled but we'll let you be the judge and use your own discernment on this episode! Check out the Girls to Queens Podcast:Apple Podcast: https://podcasts.apple.com/us/podcast/girls-to-queens-podcast/id1573946392Spotify: https://open.spotify.com/show/7LN55UXXzgjGa2NRpBdGj6?si=v3x2ex0rT-GyOka_AXsRLg&dl_branch=1Instagram: https://www.instagram.com/girlstoqueenspod/Sources: Faith Nation interview with Todd Zywicki, George Mason Professor of Law, the study done in Israel:  https://www.youtube.com/watch?v=u9B_WfI-_ioBritish Research- European Society of Cardiology Congress: Pay-no-attention-to-the-spike-proteinshttps://www.biorxiv.org/content/10.1101/2020.12.21.423721v2.full.pdfLatest Data on COVID-19 Vaccinations by Race/Ethnicity: https://www.kff.org/coronavirus-covid-19/issue-brief/latest-data-on-covid-19-vaccinations-race-ethnicity/

On June 28th 2021, George Mason University announced its reopening policy related to the COVID-19 for the fall 2021 semester. The policy required all unvaccinated students and staff members - including those who can demonstrate natural immunity from prior COVID-19 infections - to wear masks on campus, physically distance and undergo frequent COVID-19 testing. On July 22, GMU emailed the policy to students and employees and threatened disciplinary action—including termination of employment—against any who do not comply with the vaccine mandate. The university's website describing its vaccination policy reiterated this threat. On August 3, 2021, GMU Professor Todd Zywicki, represented by the New Civil Liberties Alliance (NCLA), filed a complaint in the Eastern District of Virginia, challenging GMU's so-called “reopening policy.” “This coercive mandate violates my constitutional right to bodily integrity for no compelling reason,” explains Prof Zywicki. “For those of us who have acquired natural immunity, vaccination provides none of the benefits of vaccination with all of the costs.” At issue. Are GMU and other institutions across the country ignoring science, and within their rights, to force mandatory vaccines on even those with naturally acquired immunity. “Despite solid scientific evidence, GMU continues to refuse to recognize that Covid-19 vaccination is medically unnecessary for students, faculty, and staff with naturally acquired immunity demonstrated with antibody testing,” says Jenin Younes, lead counsel in Zywicki's complaint. As it turns out, in this case GMU has ended up granting him a personal medical exemption, but it's unclear how far this would extend to others. There is a lot more to unpack from this case about “mandates” and our constitutional rights, as Todd and Jenin explain in this episode.

George Mason University Caves to NCLA's Lawsuit over Vaccine Mandate NCLA is pleased to announce that George Mason University has granted a medical exemption from its mandatory Covid-19 vaccination policy to NCLA client Todd Zywicki, George Mason University Foundation Professor of Law at Antonin Scalia Law School. NCLA is delighted with Prof. Zywicki's victory for freedom. His brave determination to fight the university's misguided and scientifically unsound vaccination mandate has garnered nationwide attention. GMU and other universities must stop ignoring science and cease forcing mandatory vaccines on even those with naturally acquired immunity (especially if only approved under a federal Emergency Use Authorization statute). Read more about the case here: https://nclalegal.org/zywicki-v-gmu/ SCOTUS Strikes Portion of NY's Eviction Moratorium The Supreme Court voted 6-3 against part of New York State's eviction moratorium. The ruling temporarily lifts part of New York's policy, which had precluded landlords from challenging a tenant's self-certified claim of financial hardship. “This scheme violates the Court's longstanding teaching that ordinarily ‘no man can be a judge in his own case' consistent with the Due Process Clause,” the Court wrote in its opinion.  See omnystudio.com/listener for privacy information.

Joe and Kathryn chat about the lawsuit against George Mason University brought by GMU Law School -- better known by their unfortunately chosen name "ASSLaw" -- law professor Todd Zywicki over his refusal to get vaccinated. It's a remarkably unimpressive complaint. Cravath, in the midst of many changes, announces a new flexible office work policy based around a floating 6 remote work days per month. Could this become the new normal? And Rudy Giuliani is still broadcasting to the world that he works at Greenberg Tarurig. Maybe he means Greenberg Traurig Total Landscaping? Special thanks to our sponsors, Lexicon and Nota.

Joe and Kathryn chat about the lawsuit against George Mason University brought by GMU Law School -- better known by their unfortunately chosen name "ASSLaw" -- law professor Todd Zywicki over his refusal to get vaccinated. It's a remarkably unimpressive complaint. Cravath, in the midst of many changes, announces a new flexible office work policy based around a floating 6 remote work days per month. Could this become the new normal? And Rudy Giuliani is still broadcasting to the world that he works at Greenberg Tarurig. Maybe he means Greenberg Traurig Total Landscaping? Special thanks to our sponsors, Lexicon and Nota.

If you think a show about financial regulation is likely to be boring, I ask you to think again. Financial regulations are really about money. And in particular, ordinary Americans' money. Consumer credit and credit cards Student loans  Credit reporting Mortgage finance Fintech  Crypto currencies How small businesses get financed And financial regulations have become yet another primary battlefield on which the Left hopes to fundamentally transform America through the prisms of race and social justice. Joining me to explain this at-first-glance arcane but critically important topic is Todd Zywicki professor of law at George Mason's Antonin Scalia law school and Brian Johnson who was deputy director of the Consumer Financial Protection Bureau. They make this come alive. To learn what's at stake, listen in.

Todd Zywicki (@ToddZywicki), law professor and author of Unprofitable Schooling: Examining Causes of, and Fixes for, America’s Broken Ivory Tower, joins Erik on this episode to discuss:- The fact that 65% of funding increases to colleges gets passed through to students. - How the accreditation system got its start after the GI Bill incentivized diploma mills.- Why student loan defaults are inversely correlated to the amount of debt a student has taken on.- Why proposals from both sides of the political aisle to address student debt have serious drawbacks, and why Todd would propose a one-time payment to all individuals instead.- Why ISAs work for a subset of people but won't fix the overall problem, which is that a lot of people are going to college who shouldn't be.- Todd's hope that eventually the labor market and skills-based certification will replace the current "credentialism arms race." Thanks for listening — if you like what you hear, please review us on your favorite podcast platform. Check us out on the web at www.villageglobal.vc or get in touch with us on Twitter @villageglobal.Want to get updates from us? Subscribe to get a peek inside the Village. We’ll send you reading recommendations, exclusive event invites, and commentary on the latest happenings in Silicon Valley. www.villageglobal.vc/signup

On March 5, 2021, the Federalist Society's Delaware and Pittsburgh Lawyers Chapters co-hosted a discussion between Todd Zywicki and Walter Olson on anti-discrimination law and its affects on free speech in the workplace.Featuring: Walter Olson, Senior Fellow, Cato InstituteProf. Todd Zywicki, George Mason University Foundation Professor of Law, George Mason University Antonin Scalia School of Law; Senior Fellow, Cato InstituteIntroduction: Ryan Costa, Assistant Unit Head, Defensive Litigation Unit, Delaware Department of Justice; The Federalist Society's Delaware Lawyers Chapter*******As always, the Federalist Society takes no position on particular legal or public policy issues; all expressions of opinion are those of the speakers.

Todd Zywicki, Professor of Law at George Mason University, Senior Fellow of the Cato Institute, and former Executive Director of the GMU Law and Economics Center, joins us this week to discuss the national debt, financial regulation, minimum wage, and Law & Economics. 

In Part II of our two-part podcast, we look at the recommendations in the Taskforce’s report concerning the use of principles-based (rather than prescriptive) regulations and CFPB licensing of non-depository institutions providing lending, money transmission or payment services. We share our reactions to the recommendations, consider their practical implications for the industry, and discuss how the CFPB under new leadership may react to the Taskforce’s report.

In Part I of our two-part podcast, after discussing the Taskforce’s goals and background, we look at the recommendations in the Taskforce’s report concerning artificial intelligence, limited English proficiency consumers, and fair lending, share our reactions to the recommendations, and consider the recommendations’ practical implications for the consumer finance industry. Ballard Spahr attorney Alan Kaplinsky hosts the conversation with Prof. Zywicki and Chris Willis, Co-Chair of Ballard Spahr’s Consumer Financial Services Practices Group.

A financial services system must work for everyone. But how is that goal achieved? In 1968, President Johnson formed the National Commission on Consumer Finance (NCCF) which later issued a report in 1972 with recommendations of ways to change and improve a growing consumer financial services industry. Over fifty years later, the Consumer Financial Protection Bureau (CFPB) formed a Task Force on Federal Consumer Financial Law. The Task Force was charged with putting together a report which would offer recommendations to meaningfully improve consumer protections and the financial marketplace. Todd Zywicki, Chair of the CFPB’s Task Force and Professor of Law at George Mason University stops by Clark Hill’s Credit Eco to Go to discuss the Task Force’s report and recommendations. The core themes of the report: inclusion (credit access), education, research, and regulatory coordination, are not surprisingly the same themes discussed by the NCCF many decades ago. Todd tells us that members of the Task Force hope this report can bring about an important dialogue around consumer financial services, the role of credit and the appropriate regulatory framework. DISCLAIMER – No information contained in this Podcast or on this Website shall constitute financial, investment, legal and/or other professional advice and that no professional relationship of any kind is created between you and podcast host, the guests or Clark Hill PLC. You are urged to speak with your financial, investment, or legal advisors before making any investment or legal decisions. Funk Game Loop by Kevin MacLeodLink: https://incompetech.filmmusic.io/song/3787-funk-game-loopLicense: http://creativecommons.org/licenses/by/4.0/

Todd Zywicki explores how the Founders envisioned the Senate and why indirect election of its members was a key component in its operation.

Todd Zywicki, Professor of Law at GMU and head of the Consumer Finance Protection Bureau’s Task Force on Consumer Financial Law joins us to discuss the pros and cons of consumer protection and financial regulation. Get Your Copy of Cooperation and Coercion Now! http://www.cooperationandcoercion.com Show Your Support for Words & Numbers at Patreon https://www.patreon.com/wordsandnumbers Quick Hits Covid Caseshttps://www.health.pa.gov/topics/disease/coronavirus/Pages/Cases.aspx Nathan Benefield on Covid Cases https://www.linkedin.com/pulse/closer-look-coronavirus-numbers-pa-nathan-benefield/ Hospital Utilization Data https://www.cdc.gov/nhsn/covid19/report-patient-impact.html#anchor_1594393649 The Long Arm of the California Tax Office https://californiaglobe.com/section-2/california-dems-wealth-tax-follows-people-who-move-out-of-the-state/ Foolishness of the Week Wisconsin Requires Face Masks at Home https://thehill.com/homenews/state-watch/511483-wisconsin-state-agency-requires-employees-to-wear-masks-while Topic of the Week Todd Zywicki https://www.law.gmu.edu/faculty/directory/fulltime/zywicki_todd https://www.amazon.com/Consumer-Financial-Management-Association-Synthesis/dp/0195169921 Unkoch My Campus http://www.unkochmycampus.org/cfpb Join the Conversation Words & Numbers Backstage https://www.facebook.com/groups/130029457649243/ Let Us Know What You Think mailto:wordsandnumberspodcast@gmail.com Antony Davies on Twitter https://twitter.com/antonydavies James R. Harrigan on Twitter https://twitter.com/JamesRHarrigan

On today's episode, Shruti Rajagopalan, Research Fellow at the Mercatus Center, chats with Mario Rizzo and Glen Whitman about their latest book, Escaping Paternalism: Rationality, Behavioral Economics, and Public Policy. The three of them discuss the impact that behavioral economics, rationality, and paternalism have on public policy including, nudge paternalism, sin taxes, default rules, true preferences, and how behavioralists may be the new baptists. Check out some of the Mercatus Center's research related to this topic: For Your Own Good: Taxes, Paternalism, and Fiscal Discrimination in the Twenty-First Century by Adam J. Hoffer and Todd Nesbit Behavioral Paternalism and Policy in Evaluating Consumer Financial Protection by Todd Zywicki and Adam C. Smith   Interested in hearing more content like this on the download? Please reach out to dfloer@mercatus.gmu.edu.  If you'd like to get in touch with a Mercatus Scholar featured on the download, please reach out to Matthew Boyer at mboyer@mercatus.gmu.edu. 

The market for consumer credit has been subjected to an ever increasing amount of federal regulation since the 2008 crisis. The Dodd-Frank Act created the Consumer Financial Protection Bureau to intervene in consumer credit markets and protect us from the rapacious lenders who devour household income and place consumers in unmanageable levels of debt through […]

This episode of Liberty Law Talk is a conversation with George Mason School of Law Professor Todd Zywicki about the blatant violations of the federal bankruptcy code and the breach of the rule of law by the Chrysler bailout. Professor Zywicki stresses that the Chrysler bailout abandoned the bankruptcy code’s clear and known rules regarding […]

Todd Zywicki joins this episode to discuss the bad economics and perverse regulatory framework of higher education.

In this podcast, Alan Kaplinsky, who leads our Consumer Financial Services Group, interviews Todd Zywicki, a Professor of Law at George Mason University and leading consumer finance expert, on the CFPB's authority to prohibit abusive conduct. Todd shares his views on what abusive means, how it differs from unfair or deceptive, what products or services can involve abusiveness, how the CFPB can best provide clarity, and the CFPB’s likely next steps in the wake of its symposium (at which Todd was a panelist).

full 0:43:59 Thomas P. Brown, Barry Wides, Todd Zywicki, Lydia Beyoud

One of the final acts of former Bureau of Consumer Financial Protection (CFPB) Director Richard Cordray before he left to run for Governor of Ohio in 2017 was the issuance of a comprehensive rule governing payday loans, auto title loans, and other small dollar loans. The centerpiece of the rule would have imposed a new "Ability to Repay" (ATR) underwriting standard on providers of these small dollar products for extensions of credit to repeat borrowers. The Rule was scheduled to go into effect in August 2019. In January of this year, however, new CFPB Director Kathy Kraninger announced a Notice of Proposed Rulemaking that would rescind the ATR requirement. This live podcast discusses the logic of the 2017 Rule and the reasons for the CFPB's reconsideration this year.Featuring:- Prof. Todd Zywicki, George Mason University Foundation Professor of Law, Antonin Scalia Law School at George Mason UniversityVisit our website – RegProject.org – to learn more, view all of our content, and connect with us on social media.

One of the final acts of former Bureau of Consumer Financial Protection (CFPB) Director Richard Cordray before he left to run for Governor of Ohio in 2017 was the issuance of a comprehensive rule governing payday loans, auto title loans, and other small dollar loans. The centerpiece of the rule would have imposed a new "Ability to Repay" (ATR) underwriting standard on providers of these small dollar products for extensions of credit to repeat borrowers. The Rule was scheduled to go into effect in August 2019. In January of this year, however, new CFPB Director Kathy Kraninger announced a Notice of Proposed Rulemaking that would rescind the ATR requirement. This live podcast discusses the logic of the 2017 Rule and the reasons for the CFPB's reconsideration this year.Featuring:- Prof. Todd Zywicki, George Mason University Foundation Professor of Law, Antonin Scalia Law School at George Mason UniversityVisit our website – RegProject.org – to learn more, view all of our content, and connect with us on social media.

One of the final acts of former Bureau of Consumer Financial Protection (CFPB) Director Richard Cordray before he left to run for Governor of Ohio in 2017 was the issuance of a comprehensive rule governing payday loans, auto title loans, and other small dollar loans. The centerpiece of the rule would have imposed a new "Ability to Repay" (ATR) underwriting standard on providers of these small dollar products for extensions of credit to repeat borrowers. The Rule was scheduled to go into effect in August 2019. In January of this year, however, new CFPB Director Kathy Kraninger announced a Notice of Proposed Rulemaking that would rescind the ATR requirement. This teleforum discusses the logic of the 2017 Rule and the reasons for the CFPB's reconsideration this year.Featuring: Prof. Todd Zywicki, George Mason University Foundation Professor of Law, Antonin Scalia Law School at George Mason UniversityTeleforum calls are open to all dues paying members of the Federalist Society. To become a member, sign up on our website. As a member, you should receive email announcements of upcoming Teleforum calls which contain the conference call phone number. If you are not receiving those email announcements, please contact us at 202-822-8138.

One of the final acts of former Bureau of Consumer Financial Protection (CFPB) Director Richard Cordray before he left to run for Governor of Ohio in 2017 was the issuance of a comprehensive rule governing payday loans, auto title loans, and other small dollar loans. The centerpiece of the rule would have imposed a new "Ability to Repay" (ATR) underwriting standard on providers of these small dollar products for extensions of credit to repeat borrowers. The Rule was scheduled to go into effect in August 2019. In January of this year, however, new CFPB Director Kathy Kraninger announced a Notice of Proposed Rulemaking that would rescind the ATR requirement. This teleforum discusses the logic of the 2017 Rule and the reasons for the CFPB's reconsideration this year.Featuring: Prof. Todd Zywicki, George Mason University Foundation Professor of Law, Antonin Scalia Law School at George Mason UniversityTeleforum calls are open to all dues paying members of the Federalist Society. To become a member, sign up on our website. As a member, you should receive email announcements of upcoming Teleforum calls which contain the conference call phone number. If you are not receiving those email announcements, please contact us at 202-822-8138.

Alexandra Ocasio-Cortez and Bernie Sanders are proposing that interest rates on credit cards be capped, as a way of helping the poor. Would such a policy have that effect? I'm joined by Todd Zywicki, a professor of law at Antonin Scalia Law School at George Mason University, and who's an expert on consumer credit, to work through the answer. We also discuss the cronyism that keeps alternative institutions from issuing credit cards.

What are all these university administrators doing, exactly? Cato senior fellow Todd Zywicki doesn't know, either. See acast.com/privacy for privacy and opt-out information.

Complaints about higher education in the U.S. are ubiquitous. College costs are up as student debt loads become more unsustainable, while criticisms of the quality of university education mount. Todd Zywicki is co-editor of the forthcoming book, Unprofitable Schooling. See acast.com/privacy for privacy and opt-out information.

For the first time in over a decade, the Supreme Court has taken a case that could fundamentally alter the way that alcohol is regulated. In Tennessee Wine and Spirits Retailers Association v. Byrd, which will be argued January 16, the Court will determine whether Tennessee’s durational residency requirements for retail liquor licenses are unconstitutional because they effectively impose a nine-year waiting period on out-of-state individuals and corporations. While the residency requirements for in-state brick-and-mortar retail stores are at the heart of the case, the Court’s decision could have far-reaching effects on shipping by out-of-state retailers. Back in 2005, the Court ruled in Granholm v. Heald that the Commerce Clause prevented states from allowing in-state wineries to ship wine directly to consumers while prohibiting out-of-state wineries from doing the same. Although the Court acknowledged that out-of-state producers were protected against discriminatory and protectionist state laws, it did not reach the question of whether out-of-stateretailers were entitled to the same protections. Joining us to discuss the case is Ilya Shapiro of the Cato Institute and Todd Zywicki of George Mason University’s Antonin Scalia Law School.Featuring: Ilya Shapiro, Director, Robert A. Levy Center for Constitutional Studies, Cato InstituteProf. Todd J. Zywicki, George Mason University Foundation Professor of Law, Antonin Scalia Law School Teleforum calls are open to all dues paying members of the Federalist Society. To become a member, sign up on our website. As a member, you should receive email announcements of upcoming Teleforum calls which contain the conference call phone number. If you are not receiving those email announcements, please contact us at 202-822-8138.

For the first time in over a decade, the Supreme Court has taken a case that could fundamentally alter the way that alcohol is regulated. In Tennessee Wine and Spirits Retailers Association v. Byrd, which will be argued January 16, the Court will determine whether Tennessee’s durational residency requirements for retail liquor licenses are unconstitutional because they effectively impose a nine-year waiting period on out-of-state individuals and corporations. While the residency requirements for in-state brick-and-mortar retail stores are at the heart of the case, the Court’s decision could have far-reaching effects on shipping by out-of-state retailers. Back in 2005, the Court ruled in Granholm v. Heald that the Commerce Clause prevented states from allowing in-state wineries to ship wine directly to consumers while prohibiting out-of-state wineries from doing the same. Although the Court acknowledged that out-of-state producers were protected against discriminatory and protectionist state laws, it did not reach the question of whether out-of-stateretailers were entitled to the same protections. Joining us to discuss the case is Ilya Shapiro of the Cato Institute and Todd Zywicki of George Mason University’s Antonin Scalia Law School.Featuring: Ilya Shapiro, Director, Robert A. Levy Center for Constitutional Studies, Cato InstituteProf. Todd J. Zywicki, George Mason University Foundation Professor of Law, Antonin Scalia Law School Teleforum calls are open to all dues paying members of the Federalist Society. To become a member, sign up on our website. As a member, you should receive email announcements of upcoming Teleforum calls which contain the conference call phone number. If you are not receiving those email announcements, please contact us at 202-822-8138.

Zywicki starts off by simply explaining what a bank is and what it does. It is surprising how many people don’t actually know what their bank does for them. Early in life you are a borrower in order to buy a house or a car, later in life you become a lender to that same bank. Unfortunately, there has been so much regulation in the American banking system that there is no room for innovation which caused the phase out of mom & pop neighborhood banks.What is a bank? What is Glass-Steagall? How much risk should banks take? How should a regulator address our bank system? What is a money-market fund? What is Dodd-Frank and did it get rid of bail outs?Related Content:Public Choice Concepts and Applications in Law (American Casebook Series), written by Maxwell Stearns and Todd ZywickiThe Law and Economics of Consumer Debt Collection and Its Regulation, written by Todd ZywickiThe Big, Fat Fed Has Diet Problems, written by George Selgin“The Newsroom”: Season 1, Episode 6: Bullies, HBO SeriesFurther Reading:The Specter of Wall Street, Free Thoughts PodcastGoing for Broke: Deficits, Debt, and the Entitlement Crisis, Free Thoughts PodcastIs Bankruptcy Law Bankrupt?, written by William H. Meckling See acast.com/privacy for privacy and opt-out information.

Some of the large drivers of financial problems facing consumers are the regulators who are trying to protect us. New Cato senior fellow Todd Zywicki comments. See acast.com/privacy for privacy and opt-out information.

In this episode, Todd J. Zywicki, Foundation Professor of Law at the George Mason University Antonin Scalia Law School, discusses his provocative scholarship on the history and regulation of consumer credit. Zywicki begins by explaining the origins of both modern consumer credit and consumer credit scholarship in the 1920s. Then he discusses the gradual emergence of other forms of consumer credit, including credit cards. In light of this history, he offers some thoughts on how the government could better regulate access to consumer credit, as well as some observations on the use of behavioral law and economics by scholars of consumer credit. You can read more of Zywicki's voluminous scholarship on consumer credit and other subjects on his SSRN page.Keywords: bankruptcy, consumer credit, distress model, foreclosure, homeownership, lending practices, mortgages, option model, regulation, subprime See acast.com/privacy for privacy and opt-out information.

Todd Zywicki, professor at George Mason University School of Law and a former director of the Federal Trade Commission’s Office of Policy Planning, on how Mick Mulvaney’s rollback of regulations at the Consumer Financial Protection Bureau is a step in the right direction.Brooke Sutherland, Bloomberg M&A and industrials columnist, on Broadcom's hostile bid for Qualcomm facing a new hurdle, as the Committee on Foreign Investment in the US starts a probe. Edward Lazear, Professor at Stanford University’s Graduate School of Business and Senior Fellow at the Hoover Institution, on how government spending discourages work.Dan Liefgreen, Milan bureau chief for Bloomberg, on the populist turn in the Italy elections.

David Schleicher of Yale University and Todd Zywicki of George Mason University discuss the text, history, and future of this contested amendment. New essays are now available on the Constitution Center's Interactive Constitution. Read about the 17th Amendment, the 20th Amendment, the 24th Amendment, and the 25th Amendment. Continue today’s conversation on Facebook and Twitter using @ConstitutionCtr. We want to know what you think of the podcast. Email us at editor@constitutioncenter.org. Sign up to receive Constitution Weekly, our email roundup of constitutional news and debate. Please subscribe to We the People and our companion podcast, Live at America’s Town Hall, on iTunes, Stitcher, or your favorite podcast app. We the People is a member of Slate’s Panoply network. Check out the full roster of podcasts at Panoply.fm. Despite our congressional charter, the National Constitution Center is a private nonprofit; we receive little government support, and we rely on the generosity of people around the country who are inspired by our nonpartisan mission of constitutional debate and education. Please consider becoming a member to support our work, including this podcast. Visit constitutioncenter.org to learn more. Today’s show was edited by Kevin Kilbourne and produced by Nicandro Iannacci. Research was provided by Lana Ulrich and Tom Donnelly. The host of We the People is Jeffrey Rosen.

David Schleicher of Yale University and Todd Zywicki of George Mason University discuss the text, history, and future of this contested amendment. New essays are now available on the Constitution Center's Interactive Constitution. Read about the 17th Amendment, the 20th Amendment, the 24th Amendment, and the 25th Amendment. Continue today’s conversation on Facebook and Twitter using @ConstitutionCtr. We want to know what you think of the podcast. Email us at editor@constitutioncenter.org. Sign up to receive Constitution Weekly, our email roundup of constitutional news and debate. Please subscribe to We the People and our companion podcast, Live at America’s Town Hall, on iTunes, Stitcher, or your favorite podcast app. We the People is a member of Slate’s Panoply network. Check out the full roster of podcasts at Panoply.fm. Despite our congressional charter, the National Constitution Center is a private nonprofit; we receive little government support, and we rely on the generosity of people around the country who are inspired by our nonpartisan mission of constitutional debate and education. Please consider becoming a member to support our work, including this podcast. Visit constitutioncenter.org to learn more. Today’s show was edited by Kevin Kilbourne and produced by Nicandro Iannacci. Research was provided by Lana Ulrich and Tom Donnelly. The host of We the People is Jeffrey Rosen.

Scholars Rethink the Government Muscular Role in Chrysler Bankruptcy The latest ABI podcast features a discussion between ABI Executive Director Samuel J. Gerdano and a panel of bankruptcy scholars examining the government's role in Chrysler and what it suggests about the coming GM bankruptcy. Profs. Mark Roe of Harvard Law School, David Skeel of the University of Pennsylvania Law School and Todd Zywicki of the George Mason University School of Law give their thoughts on the manner in which the federal government has inserted itself into the chapter 11 process. The experts touch on such topics as whether the government has the power to pick the winners and losers among the stakeholders in bankruptcy cases, if the process engineered for Chrysler is a violation of the Code's absolute priority rule and what the future effects are on lenders who now must weigh new potential risks of their investments.

Do consumers carry higher credit balances than in years past and do they abuse credit now more than ever? Todd Zywicki, coauthor of Consumer Credit and the American Economy, says no. See acast.com/privacy for privacy and opt-out information.

-Todd Zywicki, Professor Of Law and Economics at George Mason University - Please call 1-800-388-9700 for a free review of your financial portfolio

Following the Great Recession of 2007-2008, regulators jumped at the opportunity to "remedy" (i.e., regulate) perceived market failures in credit markets. Although government-sponsored enterprises like Fannie Mae were responsible for many of the bad loans that created the crisis, politicians alleged it was the free market and payday lending that needed to be reined in. The 2011 Dodd-Frank Act increased regulators' responsibilities, and even gave rise to a new agency ? the Consumer Financial Protection Bureau. As the first appointee of the agency's "Consumer Advisory Board," Elizabeth Warren became known as a savior of sorts for victims of so-called "predatory lending." But do these laws, bureaus, and advisory boards protect or harm consumers? In this episode, Bob's guest is George Mason University Law School professor Todd Zywicki, one of Warren's most knowledgeable and outspoken critics. Zywicki and his co-authors recently finished a detailed study on this topic, "Consumer Credit and the American Economy." Listen to learn how the public has been misled about the costs, benefits, uses, and abuses of consumer debt. ----Update [10/19/14]: Todd Zywicki writes a post at the Volokh Conspiracy blog about the NYT Editorial on capping interest rates on consumer credit brought up by Bob and his caller during the show.Click here to read Todd's commentary.Click here to read the NYT Editorial, "A Rate Cap for All Consumer Loans", published 10/18/14.

. The post Financial Crises & Consumer Credit with Alex Pollock & Todd Zywicki appeared first on RealClear Radio Hour.

Jeanne Hoffman talks with Todd Zywicki, professor of law at George Mason University School of Law, and senior scholar at the Mercatus Center, about his research and other works, including two new books on consumer credit.

Jeanne Hoffman talks with Todd Zywicki, Professor of Law at the George Mason University School of Law and Senior Scholar at the Mercatus Center. In this first of two segments Professor Zywicki talks about his introduction to classical liberal ideas, his career, advice for aspiring academics and the future of academia.

Todd Zywicki, of George Mason University Law School, talks with EconTalk host Russ Roberts about the evolving world of consumer debt and how institutions and public policy have influenced consumer access to debt and credit. Zywicki defends consumer credit as a crucial benefit to consumers and that innovation has made credit cheaper and more effective. He also talks about how misleading it can be to look at only one piece or another of credit picture. The conversation concludes with a discussion of the evolution of bankruptcy law in the United States.

Todd Zywicki, of George Mason University Law School, talks with EconTalk host Russ Roberts about the evolving world of consumer debt and how institutions and public policy have influenced consumer access to debt and credit. Zywicki defends consumer credit as a crucial benefit to consumers and that innovation has made credit cheaper and more effective. He also talks about how misleading it can be to look at only one piece or another of credit picture. The conversation concludes with a discussion of the evolution of bankruptcy law in the United States.