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Larry Kirsch
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Financial Justice: The People's Campaign to Stop Lender Abuse

by Larry Kirsch (Author), Robert N. Mayer (Author), Barney Frank (Foreword)
4.8 4.8 out of 5 stars 9 ratings
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This provocative and accessible narrative recounts the inside story of how a broad-based people's campaign was mobilized and subsequently succeeded in pushing Congress to create a consumer financial regulator with clout.

What would Congress do―if anything―to tame Wall Street and the nation's lenders following the financial meltdown of 2008? This book tells the true story of how an alliance of consumer, civil rights, labor, fair lending, and other progressive groups emerged to effectively challenge Wall Street and its official protectors and to win substantial new legislative reforms―actions that resulted in the Dodd-Frank Act and its path-breaking Consumer Financial Protection Bureau (CFPB).

Based largely on in-depth interviews with the leading activists involved in the campaign, Financial Justice: The People's Campaign to Stop Lender Abuse taps into the world of contemporary citizen movements to present evidence into the conditions that determine the success and failure of social movement campaigns. It goes well beyond general, global variables, such as "effective management," to show how the formal and informal rules adopted by a campaign can serve to preclude fragmentation and incoherence.

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  1. ISBN-10
    1440829519
  2. ISBN-13
    978-1440829512
  3. Publisher
    Praeger
  4. Publication date
    May 9, 2013
  5. Language
    English
  6. Dimensions
    6.14 x 0.62 x 9.21 inches
  7. Print length
    256 pages
  8. See all details
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Editorial Reviews

Review

“Financial Justice portrays a lively, in-depth narrative of the people waging the battle for consumer finance protection and their victories, setbacks, and compromises. It brings to life the legislative history of the Act that created the Consumer Finance Protection Bureau (CFPB) by illustrating the work of activists, policy advocates, and policymakers involved in the creation of the CFPB. . . . With all its attention to detail, this book is a valuable asset to anyone researching the history of the Dodd-Frank Act and the CFPB.” ―American Association of Law Libraries

“The book, based on solid research and interviews with Elizabeth Warren and campaign advocates, has fascinating chapters dealing with the legislative struggles showing how the activists held wavering members of Congress accountable for key votes, while addressing the larger issue of how social movements can contribute to progressive political change.” ―The Huffington Post

“A very readable account of the creation of the Consumer Financial Protection Bureau . . . authors do an excellent job of describing the congressional maneuvering on both sides in both houses, as well as the work of the activists and business interests in shaping the final outcome. Very informative . . . highly recommended.” ―Choice

“While the future of the CFPB is uncertain, Kirsch and Mayer's book provides a good guide to how the agency came to be despite the odds stacked against it.” ―Deseret News

“The authors should be commended for their recognition of the need for an empirical study here and for the skill and thoroughness they employed in getting the job done during an especially contentious time for the US Congress.” ―Journal of American Culture

Review

"In the years leading up to the financial crisis, seven different federal agencies had the authority to protect consumers but failed to use that power to stop the unfair and unsustainable mortgage loans that fueled the crisis and devastated communities. Financial Justice tells the powerful inside story of how civil rights, consumer, labor, and other public interest organizations worked together to play a crucial role in creating the new Consumer Financial Protection Bureau, with the authority and the mission to stand up for families and protect our financial security. After years of reckless financial industry deregulation and rampant abuse, the fight for the CFPB resulted in a major civil and human rights triumph and a compelling chapter in the evolution of our democracy."

--

Wade Henderson, President and CEO, The Leadership Conference on Civil and Human Rights

Product details

  • Publisher ‏ : ‎ Praeger (May 9, 2013)
  • Language ‏ : ‎ English
  • Hardcover ‏ : ‎ 256 pages
  • ISBN-10 ‏ : ‎ 1440829519
  • ISBN-13 ‏ : ‎ 978-1440829512
  • Item Weight ‏ : ‎ 1.3 pounds
  • Dimensions ‏ : ‎ 6.14 x 0.62 x 9.21 inches
  • Customer Reviews:
    4.8 4.8 out of 5 stars 9 ratings

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Larry Kirsch

Larry Kirsch

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Customer reviews

4.8 out of 5 stars
9 global ratings

Top reviews from the United States

Adrienne
5.0 out of 5 stars High praise from a novel reader
Reviewed in the United States on October 24, 2013
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I am not normally a reader of non-fiction, but when a friend recommended this book I thought it might be an important read. It is basically the story of how smart organizing and a well-played game in Congress got consumers the protection we need - and it's a page-turner. Mayer and Kirsch not only are great researchers, they spin a great yarn. They tell the story of how a group of committed people formed broad coalitions, created unifying and explicit goals, planned and compromised, organized their media and political campaigns, and how they ended up with (most of) what they wanted to accomplish. Both Barney Frank (who wrote the Foreword) and Elizabeth Warren play pivotal roles and you get a lot of behind-the-scenes insight into how a bill really becomes a law.
I think that most of us 99%ers will appreciate the story of the people who fought so hard and so cleverly to create the Consumer Financial Protection Bureau. I certainly did.
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Caleb Farris
5.0 out of 5 stars Five Stars
Reviewed in the United States on October 31, 2014
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Good book
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Bruce Plenk
4.0 out of 5 stars Financial Reform Legislation: Dragons and Dragonslayers
Reviewed in the United States on October 17, 2013
This book dissects and evaluates the 2007-2010 campaign that resulted in the Consumer Financial Protection Bureau, designed to protect all of us from
unscrupulous practices by lending institutions. It's a great read because it is written in popular and understandable language (even though the authors are a consultant and a professor) but is loaded with footnotes if you want to go to the original sources for further reading. All of the players in a good story are here: the crusaders, the dragons, the dragons' feeders, the rough terrain, the inevitable squabbles among the crusaders and their supporters, etc.

Lots of good details also about the intersection between grassroots organizing activities and groups and Capitol Hill legislative dynamics and personalities. Lobbyists, activists and Congresspeople appear, play their part and move on. Former Rep. Barney Frank and now-Senator Elizabeth Warren are profiled extensively.

I enjoyed the mix of political details and "insider" information from the legislative participants.

A fascinating read on what could have been, but is definitely not here, a dry subject: politics and banking. And with a happy ending!
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Cathleen Zick
5.0 out of 5 stars Inside the Campaign to Create the Consumer Financial Protection Bureau
Reviewed in the United States on October 8, 2013
In crisp, clear prose, Larry Kirsch and Robert Mayer tell the fascinating story of how the Consumer Financial Protection Bureau (CFPB) came in to being. It is a story of social movements, politics, and serendipity. In the current era of political impasse, it is a positive story of how coalitions can be built and compromises can be made - all with the goal of improving the public good.

Kirsch and Mayer provide a readily accessible, brief history of the financial crisis as a prelude to the real story where they describe how the CFPB came into being. It is a story of how the regulatory system failed consumers during the crisis, how Elizabeth Warren's idea for a new regulatory agency gained traction, the critical role that coalition building through Americans for Financial Reform (AFR) played, and the political bartering that took place as the legislation moved through Congress.

The story told in this book grew out of the hundreds of hours of interviews that the authors did with key policymakers and financial reform advocates. These interviews were augmented by numerous primary source documents ranging from newspaper accounts of events to congressional hearings and academic reports. Kirsch and Mayer use all of these materials to weave together an insightful story of how legislation comes to be enacted.

I believe the book is at its best in the chapters where the authors write about both the successes (e.g., preemption) and failures (e.g., the auto dealers' exemption) of the AFR and their legislative champions. In these chapters, the reader gains an appreciation for the lobbying pressures of various interest groups and how these pressures lead to legislative compromises. The chapters that focus on the AFR's coalition building are also very instructive for anyone who is interested in understanding the dynamics of social movements. In the end, this book is a "must read" case study of the complexities of our political system and why it is that some reform movements fail while others succeed.
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Joy H. Greenberg
5.0 out of 5 stars Kudos to Kirsch and Mayer!
Reviewed in the United States on April 5, 2014
With Financial Justice, authors Kirsch and Mayer have created a tour de force that manages to present complex economic material in such a concise, coherent manner that even a financially challenged person like me can understand and follow the events leading up to the establishment of the Consumer Financial Protection Bureau (CFPB) and its aftermath. An added bonus is that it’s written in a style that manages to combine the colloquial and scholarly into a delightful narrative that lures readers on, even if they know the ultimate outcome.

Part of the allure of Financial Justice is that Kirsch and Mayer limited the narrative to just 168 pages and chose to follow it with 54 pages of endnotes. This is a brilliant way to appeal to as wide a spectrum of readers as possible: some will want to read only the narrative, but others may want to use this book as a resource for further study of the people’s campaign to enact the Dodd-Frank Wall St. Reform and Consumer Protection Act of 2010.

One of the most import insights to be gained from reading Financial Justice is the monumental role played by women in the movement for financial reform: no less than 13 women, inspired in part by now-Congresswoman Elizabeth Warren, were involved throughout the process. Authors Kirsch, Mayer, Frank (Foreword), and Silber (Afterword) may be male, but they demonstrate an appreciation for the contribution made by women to the creation of the CFPB that is rare and refreshing.
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