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Meltdown: The Financial Crisis, Consumer Protection, and the Road Forward

by Larry Kirsch (Author), Gregory D. Squires (Author), Elizabeth Warren (Foreword)

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Open for business in 2011, the CFPB was Congress's response to the financial catastrophe that shattered millions of middle-class and lower-income households and threatened the stability of the global economy. But only a few years later, with U.S. economic conditions on a path to recovery, there are already disturbing signs of the (re)emergence of the high-risk, high-reward credit practices that the CFPB was designed to curb. This book profiles how the Bureau has attempted to stop abusive and discriminatory lending practices in the mortgage and automobile lending sectors and documents the multilayered challenges faced by an untested new regulatory agency in its efforts to transform the broken―but lucrative―business practices of the financial services industry.

Authors Kirsch and Squires raise the question of whether the consumer protection approach to financial services reform will succeed over the long term in light of political and business efforts to scuttle it. Case studies of mortgage and automobile lending reforms highlight the key contextual and structural conditions that explain the CFPB's ability to transform financial service industry business models and practices. Meltdown: The Financial Crisis, Consumer Protection, and the Road Forward is essential reading for a wide audience, including anyone involved in the provision of financial services, staff of financial services and consumer protection regulatory agencies, and fair lending and consumer protection advocates. Its accessible presentation of financial information will also serve students and general readers.

ISBN-10

1440842426
ISBN-13

978-1440842429
Publisher

Praeger
Publication date

March 9, 2017
Language

English
Dimensions

6.14 x 0.44 x 9.21 inches
Print length

176 pages
See all details

Editorial Reviews

Review

"With Meltdown: The Financial Crisis, Consumer Protection, and the Road Forward, Larry Kirsch and Greg Squires provide a valuable service. . . . This book is the first of this type and hopefully sets a trend for evaluating the new federal oversight established after the Great Recession. . . . In sum, Kirsch and Squires have written an insightful book that documents an important phase of an agency's history; that is, how the agency came into being, and its institutional strengths and weaknesses. It provides valuable lessons for the CFPB's growth as well as providing suggestions about how to create future initiatives like this from scratch."

―

Shelterforce

Review

"Kirsch and Squires are consumer law shamans who have a deep contextual understanding of the consumer market and the competing interests of all its market participants. They are clearly adept at much more than reading tea leaves and their extensive experience and engaging manner of addressing the topic at hand makes Meltdown a gripping read and a thought-provoking biography of the CFPB and the importance of context for purposes of charting the regulatory maze. This book is a must–read for consumer agencies and anyone with a keen interest in consumer law. It is clearly most timely in view of the political interest in the CFPB in the US Congress and Administration. I will definitely be passing it on to my colleagues at the soon-to-be established Financial Sector Conduct Authority that forms part of South Africa's imminent move towards a Twin Peaks System of regulation and am confident that studying the observations by Kirsch and Squires will avoid many 'lift-off' headaches and a sharper focus for future intervention."

--

Corlia Van Heerden, Professor and Barclays Africa Chair in Banking Law in Africa, University of Pretoria, Faculty of Law, South Africa

Product details

Publisher ‏ : ‎ Praeger (March 9, 2017)
Language ‏ : ‎ English
Hardcover ‏ : ‎ 176 pages
ISBN-10 ‏ : ‎ 1440842426
ISBN-13 ‏ : ‎ 978-1440842429
Item Weight ‏ : ‎ 1.1 pounds
Dimensions ‏ : ‎ 6.14 x 0.44 x 9.21 inches

Best Sellers Rank: #5,491,890 in Books (See Top 100 in Books)
- #355 in Consumer Law Business Law
- #707 in Business Law (Books)
- #996 in Financial Services Industry

Customer Reviews:
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6 global ratings

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Product Purchaser

Did We Learn Anything from the Finance Industry Meltdown and the Great Recession?

Reviewed in the United States 🇺🇸 on April 2, 2017

Verified Purchase

The book is an excellent guide to recent history.... and things we tend to too quickly forget. The book is valuable for anyone interested in deepening their understanding of what the nation and the financial regulatory community has learned from the lending practice abuses which were a major cause of the financial industry collapse in 2007 – 2008 and the associated “great recession” which followed for nearly a decade thereafter.

Despite its technical content, the book is quite readable. Not at all dry. It includes enough historical detail to provide a clear narrative thread but without becoming bogged down in minutia. All this noted, and while the book is generally supportive of the CPFB, it is critical about the Bureau’s limitations and shortcomings (some of which were imposed by regulated industry in the Dodd-Frank bill) particularly in the area of auto dealer financing of cart sales.

The book describes a major recent government initiative which is generally working well – a very positive example to counter the too common “anything touched by government turns to S**T” world view. The book is worth keeping close by in our current era where pushing regulatory rollback is again ascendant.

Helpful

Amazon Customer

Timely and Important!

Reviewed in the United States 🇺🇸 on April 29, 2017

Verified Purchase

"Meltdown" is a really timely and important book.The book is timely because we are facing a rollback of a variety of regulatory efforts that protect citizens. "Meltdown" provides detailed testimony on why it is important to resist this mindless retreat from efforts to protect consumers.The book is important because it shows in detail how thoughtful and well motivated public officials can make a difference in implementing a law. It provides clear evidence that the quality of the people who serve in our government matters to the lives of regular people. This is a very readable book that should be of interest to anyone who follows public policy issues.

Helpful

C. L. Page

A good read pertinent to current financial history

Reviewed in the United States 🇺🇸 on April 19, 2018

Verified Purchase

Hola: A good look back at the recent mortgage meltdown and crisis. For those of us who lived through the 2008-2013 recession and didn't have time or energy to reflect on the history we were living, this is a good read, written for the public, not scholars. Cuidate, CL

Helpful

BillN

The Great Recession – The inside story of how to preserve our future

Reviewed in the United States 🇺🇸 on May 30, 2017

Kirsch and Squires have done a magnificent job providing readers with a comprehensive narrative containing little known details behind the financial meltdown of 2008. It is a difficult topic, but one that the authors have made both accessible and interesting. The book focuses on the efforts of a controversial new regulatory agency (originally spawned by the ideas of Elizabeth Warren), the Consumer Financial Protection Bureau, to reform ruinous lending practices affecting all consumers of financial services. Extensive research and interviews with the major players in industry, government, and advocacy have been used to describe the factors leading to the Great Recession with particular emphasis on the predatory practices of mortgage and dealer-assisted auto lenders. Readers have the opportunity to follow the trials and tribulations of Maria Cruz, a fictional composite of the millions of American consumers who found it impossible to repay their unaffordable home mortgages and automotive loans which resulted from the abusive practices of the financial industry. The detailed description of the CFPB’s success in its early years, is an important example of what can be accomplished by superb leadership and the innovative work of a dedicated group of consumer advocates and regulators. This book is a must read for economists, politicians, legal scholars and all consumer advocates at large. The major question is whether or not we have learned the lessons of the past, especially in view of the current political climate where attempts are being made to reverse the hard fought successes of financial regulation and consumer advocacy of the last decade.
William H. Neches, MD

Helpful

Corlia Van Heerden

Meltdown: The Financial Crisis, Consumer Protection, and ...

Reviewed in the United States 🇺🇸 on June 7, 2017

Meltdown: The Financial Crisis, Consumer Protection, and the Road Forward

by Larry Kirsch (Author), Gregory D. Squires (Author)

Kirsch and Squires are consumer law shamans who have a deep contextual understanding of the consumer market and the competing interests of all its market participants. They are clearly adept at much more than reading tea leaves and their extensive experience and engaging manner of addressing the topic at hand makes Meltdown a gripping read and a thought-provoking biography of the CFPB and the importance of context for purposes of charting the regulatory maze. This book is a must –read for consumer agencies and anyone with a keen interest in consumer law. I will definitely be passing it on to my colleagues at the soon-to-be established Financial Sector Conduct Authority that forms part of South Africa’s imminent move towards a Twin Peaks System of regulation and am confident that studying the observations by Kirsch and Squires will avoid many “lift-off” headaches and a sharper focus for future intervention.

Professor Corlia Van Heerden

Barclays Africa Chair in Banking Law in Africa
University of Pretoria
South Africa
June 2017

Helpful

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