Mortgage Product Substitution and State Anti-Predatory Lending Laws: Better Loans and Better Borrowers?
Raphael Bostic, Souphala Chomsisengphet, Kathleen C. Engel, Patricia A. McCoy, Anthony Pennington-Cross, Susan M. Wachter

Systemic Risk Through Securitization: The Result of Deregulation and Regulatory Failure
Patricia A. McCoy, Andrey D. Pavlov, Susan M. Wachter