Up from the basement : the CFPB begins to take shape -- The shattered mortgage market -- Auto lending : the deals and the dealers -- The CFPB in action : did the Consumer Bureau get what it needed to do what was necessary?

The Financial Crisis and ensuing Great Recession caused enormous hardship for households. Using original datasets, we examine the effects of the recession on a population many might think had nothing left to lose: low- and moderate-income households in the Detroit metropolitan area. We find that...