The economic destruction of the foreclosure crisis and the Great Recession included not only the 4.5 million families who lost their homes and 8 million workers who lost their jobs, but the crippling aftereffect of poor credit histories that affected the ability of these consumers to obtain...

Over the past decade, overdraft fees and abuses have spiraled out of control, snaring millions of consumers while generating billions in profits for banks. This paper explores why overdraft fees should be subject to a "reasonable and proportional" standard, how overdraft fees are currently...