Policies based on a misdiagnosis of the true nature of the problem might actually lay the seeds for the next crisis.

Todd Zywicki is quoted in The Wall Street Journal about the role of judges and court bias in favor of borrowers in recent foreclosure cases.

Todd Zywicki is interviewed about the Consumer Financial Protection Agency on Reason.tv. "The agency is one of the centerpieces of the Obama regulatory reform act[s]," says Zywicki, "It goes far beyond how we've thought about consumer credit regulation for the past 30 or 40 years." More importantly, it will do nothing to address pernicious incentives that encouraged…

Todd Zywicki is mentioned in an Examiner.com article about the passage of a new, misguided credit card law that may result in people losing their percentage rebates, cash back, or rewards program. "That ended after the Supreme Court said states couldn't regulate credit card companies outside their borders. That killed off most…