Shows
Short CircuitShort Circuit 399 | Weekend at Humphrey’sIt’s Short Circuit Live from Antonin Scalia Law School at George Mason University with a D.C. Circuit special! We review opinions from a court that “many people are saying” is the second-most-important in the land. With a full state of very special guests: GMU’s own Todd Zywicki, Casey Norman of the New Civil Liberties Alliance, and IJ’s own Bob Belden. Professor Zywicki discusses a pair of recent D.C. Circuit rulings on attempted firings at the FTC and the Federal Reverse that revolve around the fate of Humphrey’s Executor. Then, Casey shares a saga of the report...
2025-10-241h 14
Fountainhead ForumFF-379: Todd Zywicki on fighting coronavirus nonsense in 2020Follow the channel on Twitter. Go to:https://x.com/FountainheadFmBuy my novel Escape from the Village from major booksellers online. Go to:http://escapevillage.comSubscribe to the Substack. Go to:https://fountainheadforum.substack.com/Support the forum. Go to:https://buymeacoffee.com/fountainheadforum------------------------------------------------------------Todd Zywicki is a law professor at George Mason University. He talks about the American liberty movement during the height of coronavirus hysteria. He also discusses his own experience with coronavirus in early March 2020 and natural immunity. He discusses how...
2025-10-231h 14
FedSoc ForumsLitigation Update: FTC v. MetaThe outcome of FTC v. Meta could reshape the social media landscape as well as U.S. merger policy. For the first time, the government is seeking to unwind two acquisitions more than a decade old, Facebook's purchase of Instagram in 2012 and WhatsApp in 2014. In its complaint, the Federal Trade Commission alleges that Facebook sought to eliminate threats to its social networking monopoly and ultimately harmed consumers through increased user ad loads and decreased quality and user privacy. Meta argues that the social media market is flush with competitors, including X, Snapchat, and TikTok, and that its investments helped both...
2025-07-241h 04
The Freedom of Thought PodcastFrozen Out: Debanking Practice and Policy in the New AdministrationFinancial institutions have faced growing scrutiny for debanking customers, with no explanation. While debanking is sometimes legally necessary when banks suspect unlawful conduct, recent reports have prompted high-profile questions about the practice, including from the President himself. The lack of transparency does not help. How do financial institutions determine which accounts or services will be closed? Are these decisions driven by regulatory sensitivities, perceived reputational risk, or other considerations? Should legal limits exist on financial institutions' discretion to debank? What are the rights of corporations to choose what customers to serve and what, if any, limits might apply i...
2025-01-291h 28The Freedom of Thought PodcastOpen Minds with Prof. Richard Epstein and Prof. Todd Zywicki - Part IProf. Richard Epstein joins Prof. Todd Zywicki to discuss his academic journey, where he learned early on, particularly through the lens of Roman law, that legal issues cannot be understood by mere definitions, but by understanding deeper substantive theory. Prof. Epstein emphasizes valuable lessons he learned along the way, such as the importance of figuring out where one’s particular strengths lie and how to “do” law by oneself. How does one transition from a dutiful student to a sui generis thinker? Join us for an engaging discussion on Prof. Epstein’s evolution of academic thought and the adaptation of Roman la...
2025-01-1645 min
FedSoc EventsFinancial Services & E-Commerce: Have National Bank Charters Become Unworkable?The future of the national bank system is increasingly uncertain as federal regulators have incorporated DEI and ESG into bank supervision, creating tensions with some states. Several states have responded by attempting to ban such practices, potentially creating conflicting legal duties for banks. Meanwhile, other states are challenging interest rate exportation and other aspects of state preemption, which arguably undermines the value of national charters and hampers the ability of banks and fintechs to scale nationwide. The Supreme Court's recent overruling of the Chevron doctrine adds another layer of uncertainty as federal regulators will receive reduced deference. Do these conflicts...
2024-11-261h 33FedSoc ForumsCompetition and Consumer Banking: Bank Mergers, Credit Cards, and the Capital One-Discover DealIn September, the Department of Justice announced that it would withdraw its 1995 bank merger guidelines and apply its 2023 merger guidelines for all industries, a move that some have interpreted as signaling stricter review of bank mergers. At the same time, Congress is considering the “Credit Card Competition Act,” which purports to promote competition in the credit card network space. Join us for a discussion of these topics and their implications for consumers, competition, and the economy as well as Capital One’s proposed acquisition of Discover. Featuring: Prof. Todd Zywicki, George Mason University Foundation Professor of Law, Antoni...
2024-10-301h 01
The Answer Is Transaction CostsCertainty, Common Law, and Statutory Law: Todd Zywicki of Scalia LawSend us a textTodd Zywicky, professor at George Mason's Scalia Law School, challenges some conventional legal doctrine, taking up the views of Bruno Leone and Friedrich Hayek. What if the legal world has underestimated the power of spontaneous order? Todd's intellectual journey sheds light on how these groundbreaking ideas contrast sharply with the dominant constructivist views shaping contemporary legal thought. Todd offers perspectives on the role of intuition and reasonableness in the courtroom, inspired by the legacies of Leone and Hayek. Uncover the hidden parallels between market dynamics and legal systems, emphasizing the fluidity...
2024-10-2253 minThe Freedom of Thought Podcast2024 Freedom of Thought Conference: Panel 4 - The NetChoice ProblemWe know how to think about government coercion. We have ready and familiar frameworks for evaluating how government power should be exercised against the private individual. But courts and policymakers increasingly are called to mediate between private actors with competing claims to liberty, and the analysis is perhaps more complex and uncertain. How should we evaluate such competing claims and what are the self-governance interests of citizens themselves? Do we have a good framework for resolving conflicting interests of corporations and natural citizens, and what role or responsibility does the state have in resolving those disputes?Featuring:
2024-06-201h 46The Freedom of Thought PodcastNetChoice and Murthy: Speech and Coercion in the Digital AgeWhat can state actors do to protect or interfere with online public discourse? The recent argument in National Rifle Association of America v. Vullo suggests that there is some outer limit of government coercion on private actors to interfere with disfavored ideas. But questions from the bench in Murthy v. Missouri, argued the same morning, have some wondering if those limits might allow for significant “informal” pressure by government actors on platform operators to restrict user speech.Together, the cases highlight the significance of the NetChoice cases heard last month. Can laws like those adopted in Texas and Florida crea...
2024-04-091h 18The Freedom of Thought PodcastWhen Mozilla Fired Its Founder: On the 10 Year Anniversary of Brendan Eich Leaving His CompanyCo-founder of Mozilla and creator of JavaScript, Brendan Eich had made remarkable contributions to the technology sector. He also had contributed $1,000 to the (successful) Proposition 8 campaign against same-sex marriage. On April 3, 2014, Mozilla forced him out of the company he had founded, with apologies for not having acted sooner.Watching it all unfold, Prof. Todd Zywicki was concerned, warning that this would not stop with financial contributions for ballot initiatives – that it was not a stable equilibrium. At least at the time, Inez Stepman was less troubled, confident that such disagreements could be resolved through market forces. Who was right? Jo...
2024-04-031h 04
FedSoc EventsRemembering William ConsovoyJoin the DC Young Lawyers Chapter and the George Mason Student Chapter for an evening conversation and reception. Featuring:Prof. Jennifer Mascott, Assistant Professor of Law and Co-Executive Director, C. Boyden Gray Center for the Study of the Administrative State, Antonin Scalia Law School, George Mason UniversityThomas McCarthy, Partner, Consovoy McCarthy PLLC; Adjunct Professor, George Mason University Scalia LawProf. Todd Zywicki, George Mason University Foundation Professor of Law, Antonin Scalia Law School, George Mason UniversityDoors open at 6 with the program to begin promptly at 6:30. A reception will follow. This...
2024-02-0659 min
The Liberty ExchangeLiberty in Review: A Conversation with Todd ZywickiAs part of our “Janus Week” in which we look back on 2023 and forward to 2024, Jonathan Fortier and Todd Zywicki discuss the recent high points for liberty and potential threats on the horizon. Zywicki distinguishes between positive wins and defensive moves as they discuss the election of Milei, the rolling back of Covid restrictions, the Supreme Court’s apparent moves to rein in the administrative state, the checks on DEI and ESG and much more. Zywicki encourages us to think more carefully about simplified mental models that libertarians traditionally used to distinguish between public and private violations of individual freedom, and su...
2024-01-2558 minThe Freedom of Thought PodcastTyranny of an Organized Minority: Free Speech Standards in Higher EducationThis panel will consider the symmetry and consistency of free speech norms in higher education. Academic norms for free speech are essential to promote the free exchange of ideas. Students and professors must be free to engage with mutual respect while drawing a line at harassment. But has academia failed to recognize consistent speech harassment distinctions? Have there even been decisions that turned on the identities of the group involved?Featuring:Prof. David Bernstein, University Professor of Law and Executive Director, Liberty & Law Center, Antonin Scalia Law School, George Mason UniversityProf. Eugene Volokh, Gary T...
2023-12-201h 13
Gray MattersThe Future of Financial Regulation Panel 1: What is the Future of Financial Regulation?The C. Boyden Gray Center for the Study of the Administrative State, the Mercatus Center, and the Journal of Law, Economics & Policy recently hosted a full-day symposium on the future of financial regulation. This episode of Gray Matters is a panel discussion featuring the Hoover Institution's John H. Cochrane and professors Kathryn Judge, Jonathan R. Macey, and Todd J. Zywicki, moderated by Scalia Law professor Paolo Saguato. They discuss banking regulation, consumer finance, and what might be coming next in the world of financial regulation.Notes:Videos from the conference
2023-12-161h 28
The Free Mind PodcastS7 E4: Todd Zywicki, The Rule of Law and Threats to itTodd Zywicki is the George Mason University Foundation Professor of Law at George Mason University’s Antonin Scalia School of Law. He is also the Visiting Scholar in Conservative Thought and Policy here at the Benson Center. He previously served as Chair of the Consumer Financial Protection Bureau Taskforce on Federal Consumer Financial Law, Chair of the Association of American Law Schools Section on Law & Economics in 2019, and Director of the Office of Policy Planning at the Federal Trade Commission. We discuss the rule of law, its importance to economic development and western civilization, and the threats it faces in...
2023-12-121h 09
Modern CTOMy Body, My Pixels: A Deep Dive on Digital Autonomy with Todd Zywicki, Professor of Law at George Mason UniversityToday we’re bringing you a special episode focused on digital autonomy and Joel’s thought experiment that he has called the Control Layer. We’re joined by Todd Zywicki, renowned Professor of Law at George Mason University, to help us unpack all the legality surrounding what we truly own on our screens, and where this digitized age is heading next.All of this right here, right now, on the Modern CTO Podcast! For more about Todd, visit his Wikipedia page here.Have feedback about the show? Let us know here.Produced...
2023-11-2050 min
FedSoc EventsFireside Chat with FTC Chair Lina KhanFeaturing: Hon. Lina M. Khan, Chair, Federal Trade Commission Prof. Todd J. Zywicki, George Mason University Foundation Professor of Law, Antonin Scalia, Law School, George Mason University
2023-11-1744 min
The Bill Walton ShowHow Financial Regulators Have Become a (Progressive) Law Unto Themselves” with Todd ZywickiIn this episode I’m talking with Todd Zywicki, the George Mason University Foundation Professor of Law in the Antonin Scalia Law School and former Executive Director of the GMU Law and Economics Center. He is also one of the most engaging and clear thinkers about the vast and complicated world of consumer financial services. He was Chair of the Consumer Financial Protection Bureau Taskforce on Federal Consumer Financial Law and served as Editor of the Supreme Court Economic Review. Todd’s recent article “Restoring the Rule of Law in Finance” served as our launching point for a...
2023-09-131h 00The Bill Walton ShowHow Financial Regulators Have Become a (Progressive) Law Unto Themselves” with Todd ZywickiIn this episode I’m talking with Todd Zywicki, the George Mason University Foundation Professor of Law in the Antonin Scalia Law School and former Executive Director of the GMU Law and Economics Center. He is also one of the most engaging and clear thinkers about the vast and complicated world of consumer financial services. He was Chair of the Consumer Financial Protection Bureau Taskforce on Federal Consumer Financial Law and served as Editor of the Supreme Court Economic Review. Todd’s recent article “Restoring the Rule of Law in Finance” served as our launching point for a...
2023-09-131h 00The Freedom of Thought PodcastCompetition Policy, Corporate Concentration & Freedom of Thought: Approaching the Draft Merger GuidelinesThe Department of Justice has just released new Draft Merger Guidelines. What are the implications - not just for how the Draft Guidelines might affect economic questions, but also for freedom of thought and the rule of law? In this afternoon session, Assistant Attorney General Jonathan Kanter and Principal Deputy Assistant Attorney General Doha Mekki will discuss these issues, the development of the Draft Guidelines and what comes next.Featuring:Hon. Jonathan S. Kanter, Assistant Attorney General for the Antitrust Division, U.S. Department of JusticeDoha Mekki, Principal Deputy Assistant Attorney General, U.S. Department...
2023-08-161h 36
Opening ArgumentsOA782: No, Shut Up, Republicans Do Not Get To Steal Elections Because of Hawaii in 1960 Indictment Watch(TM) continues as Liz and Andrew update you as to what's new with Bernard Kerik before debunking the false arguments being made in defense of the fake electors who plotted with Trump to try and steal the 2020 election. If you've ever heard anyone dishonestly suggest that "Hawaii in 1960" justifies generating fake electoral certificates, this is the episode for you! Notes Judge Howell Discovery Order re Kerik Motion to Compel https://storage.courtlistener.com/recap/gov.uscourts.dcd.238720/gov.uscourts.dcd.238720.82.0_1.pdf Joint...
2023-07-251h 02
Heard at HeritageDefining Conservatism | Regulation by Subterfuge: Why Finance Needs the Rule of LawESG, debanking, bailouts are just some of the tools that the administrative state uses to undermine the rule of law to force financial companies to become the equivalent of government agencies doing the federal government’s bidding. Professor Todd Zywicki draws heavily from his new Heritage First Principles essay “Restoring the Rule of Law in Finance” in this wide-ranging interview.Listen to other Heritage podcasts: https://www.heritage.org/podcastsSign up for The Agenda newsletter — the lowdown on top issues conservatives need to know about each week: https://www.heritage.org/agenda. Li...
2023-07-2028 minHeard at HeritageDefining Conservatism | Regulation by Subterfuge: Why Finance Needs the Rule of LawESG, debanking, bailouts are just some of the tools that the administrative state uses to undermine the rule of law to force financial companies to become the equivalent of government agencies doing the federal government’s bidding. Professor Todd Zywicki draws heavily from his new Heritage First Principles essay “Restoring the Rule of Law in Finance” in this wide-ranging interview.Listen to other Heritage podcasts: https://www.heritage.org/podcastsSign up for The Agenda newsletter — the lowdown on top issues conservatives need to know about each week: https://www.heritage.org/agenda. Li...
2023-07-2028 min
The Independent with Scott AtlasTodd Zywicki: "Wokism" Defined and Deconstructed | Ep. 13Dr. Atlas interviews George Mason University Professor of Law Todd J. Zywicki. They discuss the philosophical basis for the modern concept of “wokism”, why it's a fundamentally flawed worldview, how it came to infiltrate and harm American culture, and where we can go from here to restore our nation's values.
Dr. Scott Atlas is a world-renowned expert in health care policy and frequent policy advisor to policymakers and government officials. He investigates the role of government and the private sector in health care quality and access, global trends in health care innovation, and the key economic and civi...
2023-06-2948 min
SPPI-TVSPPI-TV Ep. 10: Solving the Rate Cap PuzzleJoin host Patrick M. Brenner, president of the Southwest Public Policy Institute, in an insightful episode of SPPI-TV as he delves into the captivating world of interest rate caps and the role of the Consumer Financial Protection Bureau (CFPB).
With esteemed guests Todd Zywicki, renowned legal scholar, Andrew Duke, Executive Director of the Online Lenders Alliance, and John Berlau, Director of Finance Policy at the Competitive Enterprise Institute, this episode promises an engaging discussion on the impact of interest rate regulations and the implications for consumers and the financial industry. Don't miss this opportunity to unravel the...
2023-05-261h 02The Independent with Scott AtlasTodd Zywicki: Abuse of Power and the Law by the Public Health Establishment | Ep. 10Dr. Atlas interviews George Mason University Professor of Law Todd J. Zywicki. They discuss how pandemic policies relate to the law and Constitution, how the public health establishment pushed anti-science policies such as denial of natural immunity, and more.
2023-04-2750 min
The Human Progress PodcastThe Dangers of ESG | Todd Zywicki | Ep. 39Professor Todd Zywicki joins Chelsea Follett to discuss environmental, social, and corporate governance (ESG) and the threat it poses to innovation, economic growth, and democracy.
2023-04-1449 min
The Bill Walton Show“The Ugly Truth About the White House, the FBI and the Social Media Companies” with Jenin Younes and Todd ZywickiNewly released documents show that the White House has played a major role in censoring Americans on social media. Email exchanges between Rob Flaherty, the White House’s director of digital media, and social-media executives prove the companies put Covid censorship policies in place in response to relentless, coercive pressure from the White House—not voluntarily as the government has claimed. The emails emerged last month in the discovery phase of Missouri v. Biden, a free-speech case brought by the attorneys general of Missouri and Louisiana and four private plaintiffs, including leading...
2023-03-0857 minThe Bill Walton Show“The Ugly Truth About the White House, the FBI and the Social Media Companies” with Jenin Younes and Todd ZywickiNewly released documents show that the White House has played a major role in censoring Americans on social media. Email exchanges between Rob Flaherty, the White House’s director of digital media, and social-media executives prove the companies put Covid censorship policies in place in response to relentless, coercive pressure from the White House—not voluntarily as the government has claimed. The emails emerged last month in the discovery phase of Missouri v. Biden, a free-speech case brought by the attorneys general of Missouri and Louisiana and four private plaintiffs, including leading...
2023-03-0857 min
RTP's Fourth Branch PodcastDeep Dive Episode 250 - Examining the CFPB’s Targeting of Discrimination in Consumer Finance Through UDAAPUnder the Biden Administration, Consumer Financial Protection Bureau Director Rohit Chopra has dramatically increased the substantive reach of the CFPB’s use of guidance documents and examination and supervision powers. This includes the articulation of a new standard of Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) that includes allegedly discriminatory practices. It also has announced it intends to use “dormant” powers from Dodd-Frank that would allow it to conduct supervisory exams on nonbanks or any fintech it believes is risky. Many critics argue that many of these acts should be conducted through notice and comment rule-making processes and point to sim...
2023-02-061h 06
The Bob Zadek ShowThe Weaponization of Consumer FinanceNot long ago, many businesses competed to extend credit to consumers through unsecured lending, auto loans, home mortgage loans or installment sales. Sadly, true competition is no longer.In today's consumer lending environment, businesses are nothing other than agencies of federal and, to some degree, state governments acting under the veneer of a private business. They have an unholy alliance with government.The industry promised, "We will do your political bidding. We will give you political cover, so you can carry out the social policies you wish. In exchange, Mr. Government, you will make sure we never lose any money."...
2022-12-2152 min
Bob Zadek ShowTodd Zywicki on Government Control of Personal Finances: A Threat to Liberty (and Prosperity)Todd Zywicki is a lawyer, legal scholar and educator. He is a George Mason University Foundation Professor of Law at George Mason University School of Law, teaching in the areas of bankruptcy and contracts.See omnystudio.com/listener for privacy information.
2022-12-1852 min
The Lee BrothersThe Lee BrothersVirginia displays first nativity scene at state capital…and so does European Union.
Virginia restuarant makes national news by being “intolerant!” 🙂
The View thinks government should force you to back the cake. They should visit the Virginia restaurant!
Stop voting for Senators! Abolish the 17th Amendment. Todd Zywicki explains.
Senator Mark Warner comments on Musk and Twitter.
Pittsylvania School Board bands guns in shared property. Accomplishes nothing!
Matt Strickland on state raiding his restaurant…left over from Covid.
Chesapeake school offers a “after School Satan Club?”
IRS giving $1400 stimulus checks. Yes, its still happening!
Shark Week is racist.
2022-12-091h 45
FedSoc EventsCentral Bank Digital Currencies: A New Tool for Government Control?Central Bank Digital Currencies (CBDC) are the subject of global debate. While proponents see CBDC as a new tool to promote financial stability and inclusion, critics point out that the Federal Reserve would acquire vast new powers to potentially implement a comprehensive government social credit system. In theory, CBDC could be programmed to be used for only designated purposes, on specific items or at particular merchants. To stimulate the economy, CBDC could be programmed to expire in a certain limited time or deposited directly into certain individual’s bank accounts. These concerns about the risks posed by CBDC have been fo...
2022-12-061h 29
First News with Jimmy Cefalo10-27-22 Junk Fee CrackdownTodd Zywicki is a George Maron University Foundation Professor of Law and former senior staff member at the Federal Trade Commission *Follow him on Twitter: @ToddZywicki
2022-10-2703 min
Career Education ReportHigher Education’s Impending OverhaulHigher education is ripe for a major shakeup, according to Professor Todd Zywicki. Todd is a professor of law at the George Mason Antonin Scalia Law School and talks with Dr. Jason Altmire about student loan defaults, the strengths of for-profit colleges and weaknesses of other institutions, and the lack of competition in higher education.Todd shares his thoughts on policymakers’ pushback against for-profit colleges and how for-profit schools’ outcomes compare with other institutions. Then, Todd and Dr. Altmire discuss how federal taxpayers fund “country club” college experiences for students and how competition can be resto...
2022-10-2621 min
The Bill Walton ShowWill Chinese-Style Social Credit Be Coming to America? with Todd ZywickiIn the decade since Barrack Obama remarked that “it would be so much easier to be the President of China,” the Chinese Communist Party has been working hard to make that job even easier. How? One way is to impose a social credit system that monitors, rewards, and punishes people according to how closely their behavior conforms to the Party’s diktats. "The social credit system is an important component of the social market, the socialist market economy, and the social government system. Keeping trust is glorious, and breaking trust is disgraceful,” the Party declares. So wh...
2022-08-1930 minThe Bill Walton ShowWill Chinese-Style Social Credit Be Coming to America? with Todd ZywickiIn the decade since Barrack Obama remarked that “it would be so much easier to be the President of China,” the Chinese Communist Party has been working hard to make that job even easier. How? One way is to impose a social credit system that monitors, rewards, and punishes people according to how closely their behavior conforms to the Party’s diktats. "The social credit system is an important component of the social market, the socialist market economy, and the social government system. Keeping trust is glorious, and breaking trust is disgraceful,” the Party declares. So wh...
2022-08-1930 minThe Bill Walton Show"Cancel Culture Comes to Banking” with Todd Zywicki and Paul WatkinsHave you ever thought about what your life would be like if you were denied access to a bank account or a credit card or access to any kind of digital payment system? Well, it's happening and it's happening to an increasing number of people and organizations. Cancel culture has come to banking. PayPal, major credit card networks and banks have already stopped processing payments for organizations they deem “hate groups.” Remember “Operation Chokepoint”? Well, it’s evolved and gotten even more draconian. And cryptocurrencies, which some thought might be a safe haven, well, maybe not so much. Bitcoin was supposed t...
2022-05-3159 minThe Bill Walton Show"Cancel Culture Comes to Banking” with Todd Zywicki and Paul WatkinsHave you ever thought about what your life would be like if you were denied access to a bank account or a credit card or access to any kind of digital payment system? Well, it's happening and it's happening to an increasing number of people and organizations. Cancel culture has come to banking. PayPal, major credit card networks and banks have already stopped processing payments for organizations they deem “hate groups.” Remember “Operation Chokepoint”? Well, it’s evolved and gotten even more draconian. And cryptocurrencies, which some thought might be a safe haven, well, maybe not so much. Bitcoin was supposed t...
2022-05-3159 min
The Tom Woods ShowEp. 2114 I Sued My University, and They CavedLaw professor Todd Zywicki joins us to discuss (1) his lawsuit against his university's vaccine mandate, (2) the COVID regime in general, (3) the issue of cancel culture and banking. Special Offer: Happily date box: Take 50% off your first date at TomWoods.com/Date Show notes for Ep. 2114
2022-04-2744 min
Woke-ademiaWoke Law with Todd ZywickiTodd Zywicki is George Mason University Foundation Professor of Law at George Mason University Antonin Scalia School of Law, Senior Fellow of the Cato Institute, and former Executive Director of the GMU Law and Economics Center. In 2020-21 he served as the Chair of the Consumer Financial Protection Bureau Taskforce on Federal Consumer Financial Law. […]
2022-02-1700 minPolicy@McCombsWoke Law with Todd ZywickiTodd Zywicki is George Mason University Foundation Professor of Law at George Mason University Antonin Scalia School of Law, Senior Fellow of the Cato Institute, and former Executive Director of the GMU Law and Economics Center. In 2020-21 he served as the Chair of the Consumer Financial Protection Bureau Taskforce on Federal Consumer Financial Law. […]
2022-02-1700 minPolicy@McCombsWoke Law with Todd ZywickiTodd Zywicki is George Mason University Foundation Professor of Law at George Mason University Antonin Scalia School of Law, Senior Fellow of the Cato Institute, and former Executive Director of the GMU Law and Economics Center. In 2020-21 he served as the Chair of the Consumer Financial Protection Bureau Taskforce on Federal Consumer Financial Law. […]
2022-02-1700 min
David GornoskiFighting University Booster Mandates With Todd Zywicki - A Neighbor's ChoiceThe Mises Institute's Jeff Deist and Tho Bishop discuss whether Ron DeSantis should run for President, the future of Florida, and more. Also in the show, Todd Zywicki, law professor from George Mason University, calls in to talk about fighting booster mandates in universities and whether there will be accountability from the government when the tyrannical pandemic regulations have been lifted. Listen to the full episode for all this and more. Follow Todd Zywicki on Twitter. Visit A Neighbor's Choice website at aneighborschoice.com
2022-02-1446 min
The Great AntidoteTodd Zywicki on the 17th AmendmentSend us a textTodd Zywicki is a professor of Law at George Mason University, Senior Fellow of the Cato Institute, and former Executive Director of the GMU Law and Economics Center. He has been on The Great Antidote previously to discuss the field of law and economics, and today we discuss the importance of federalism, the original structure of the legislative branch, and how the 17th amendment changed that structure. Support the showNever miss another AdamSmithWorks update.Follow us on Facebook, Twitter, and Instagram.
2022-01-2748 min
FedSoc Events"Cancel Culture" Comes to Financial ServicesThe 2021 National Lawyers Convention took place November 11-13, 2021 at the Mayflower Hotel in Washington, DC. The topic of the conference was "Public and Private Power: Preserving Freedom or Preventing Harm?". This panel discussed "Cancel Culture Comes to Financial Services."Under the Obama Administration’s Operation Choke Point initiative bank regulators sought to de-bank various legal industries such as payday lenders, firearms dealers, and home-based charities. Today, banks have increasingly acted on their own initiative to effectively operate a new voluntary form of Operation Choke Point. In January 2021, Florida’s Bank United closed Donald Trump’s personal bank account. Other banks...
2021-12-132h 00
FedSoc EventsGovernment-Mandated Vaccine Requirements: OSHA, Jacobson, and the Legacy of Buck v. BellFeaturing:Todd J. Zywicki, George Mason University Foundation Professor of Law, Antonin Scalia Law School, George Mason UniversityModerator: Chad Davis, President, Polk County Lawyers Chapters* * * * * As always, the Federalist Society takes no position on particular legal or public policy issues; all expressions of opinion are those of the speaker.
2021-11-0959 min
Case in Point: The Legal Show on the Hottest Legal Cases in Politics and CultureCOVID & The ConstitutionTwo weeks into the term, the full Court is back on the bench and hearing oral arguments in their storied courtroom. Among the arguments this week was the death-penalty appeal of the Boston Marathon bomber. Your hosts discuss how in-person oral arguments are going, and some of the newly granted cases. Zack interviews George Mason professor Todd Zywicki and they talk about his career and his recent lawsuit against the university's vaccine mandate. Lastly, Zack grills GianCarlo with some very surprising SCOTUS trivia.Follow us on Twitter @scotus101 and send questions, comments, or ideas for future...
2021-10-1537 min
The Bob Zadek ShowVaccine Mandates, George Mason, and the Bill of Rights“There is a Passion natural to the Mind of man, especially a free Man, which renders him impatient of Restraint.” ― George MasonGeorge Mason is rolling in his grave. Or at least, he was, until Professor Todd Zywicki was finally exempted from George Mason University's new mandatory vaccination policy. Zywicki, a professor at the Antonin Scalia School of Law and frequent guest on the show of ideas, is no Anti-Vaxxer; he is, however, an ardent believer in the Constitution and Bill of Rights. These documents, if they are not to be considered artifacts, guarantee all Americans the right to pri...
2021-08-3052 min
Vaccine Mandates, George Mason, and the Bill of RightsJenin Younes & Todd Zywicki join me to discuss the constitutionality of
blanket vaccine mandates.
2021-08-2500 minThe Bill Walton Show“Vaccine Mandates?” with Professor Todd Zwicki and Jenin YounesOn June 28th 2021, George Mason University announced its reopening policy related to the COVID-19 for the fall 2021 semester. The policy required all unvaccinated students and staff members - including those who can demonstrate natural immunity from prior COVID-19 infections - to wear masks on campus, physically distance and undergo frequent COVID-19 testing. On July 22, GMU emailed the policy to students and employees and threatened disciplinary action—including termination of employment—against any who do not comply with the vaccine mandate. The university’s website describing its vaccination policy reiterated this threat. On August 3, 2021, GMU Professor Todd Zywicki, represented by the Ne...
2021-08-2450 minThe Bill Walton Show“Vaccine Mandates?” with Professor Todd Zwicki and Jenin YounesOn June 28th 2021, George Mason University announced its reopening policy related to the COVID-19 for the fall 2021 semester. The policy required all unvaccinated students and staff members - including those who can demonstrate natural immunity from prior COVID-19 infections - to wear masks on campus, physically distance and undergo frequent COVID-19 testing. On July 22, GMU emailed the policy to students and employees and threatened disciplinary action—including termination of employment—against any who do not comply with the vaccine mandate. The university’s website describing its vaccination policy reiterated this threat. On August 3, 2021, GMU Professor Todd Zywicki, represented by the Ne...
2021-08-2450 min
Advisory OpinionsDefamation Law 101In a jam-packed episode our hosts explore everything from vaccine passports on cruise ships to a shaky argument that eviction moratoriums violate the Third Amendment’s prohibition on quartering soldiers. First up on the docket, Sarah and David dive into attempts by Sidney Powell, Rudy Giuliani, and Mike Lindell’s to dismiss Dominion’s defamation lawsuit against them. Be sure to listen to the end for their analysis on whether a topless sunbathing case meets the intermediate scrutiny test.
Show Notes:
-Dominion defamation lawsuit
-Preliminary injunction on vaccine passports in Florida
...
2021-08-1249 min
Above the Law - Thinking Like a LawyerIt's Always The Law Professors You Think It's Going To BeJoe and Kathryn chat about the lawsuit against George Mason University brought by GMU Law School -- better known by their unfortunately chosen name "ASSLaw" -- law professor Todd Zywicki over his refusal to get vaccinated. It's a remarkably unimpressive complaint. Cravath, in the midst of many changes, announces a new flexible office work policy based around a floating 6 remote work days per month. Could this become the new normal? And Rudy Giuliani is still broadcasting to the world that he works at Greenberg Tarurig. Maybe he means Greenberg Traurig Total Landscaping?Special thanks to our sponsors, Lex...
2021-08-1129 min
FedSoc EventsPanel 2: What Does the CFPB's Future Hold?On July 19, 2021, the Federalist Society's Financial Services and E-Commerce Practice Group sponsored an online conference titled "The CFPB Turns 10: Evaluating America’s Youngest Federal Financial Regulator." The conference concluded with a panel titled "What Does the CFPB's Future Hold?".The U.S. Supreme Court’s decision in Seila Law last year struck down statutory conditions on the removal of the CFPB Director from office as a violation of the Constitution’s separation of powers. The Biden Administration used this decision to abruptly change the leadership of the CFPB six months ago. This panel will discuss the priorities and actions of the...
2021-07-2957 min
FedSoc EventsCancel Culture Comes to Bank: Should Banks Be Allowed to Cancel Individuals and Industries Based on their Political or Religious Beliefs?Bank accounts provide access not only to credit but basic banking and payment services, such as checking and savings accounts. In January 2021, Florida’s Bank United closed Donald Trump’s personal bank account. Other banks have cut off other individuals seemingly because of their political views and have been pressured by activist groups to cut off funding to politically-disfavored industries, such as fossil fuels. These steps follow on the back of the Obama Administration’s Operation Choke Point initiative, under which bank regulators used its supervisory power to de-bank various legal industries such as payday lenders, firearms dealers, home-based charities, and al...
2021-07-131h 08
OpTech InsightsNavigating the Shift to Android and Building a Stronger Mobile EnterpriseOrganizations continue to look for ways to keep their employees productive and their business environments safe. As the transition from Windows-based operating systems to Android continues, the companies see vast improvements in security and operations. Honeywell’s Mobility Edge platform is designed to enhance these benefits and provide a platform to support your mobility devices today and in the future.Join our host Todd Greenwald and guests Stan Zywicki, Director of Marketing Honeywell, and Jack Weixel, Head of Global partnerships for Android Devices, Google, as they discuss how Android and the Mobility Edge platform can enhance your or...
2021-06-1332 minThe Bill Walton Show“How Financial Regulations are Reshaping America” with Todd Zywicki and Brian JohnsonIf you think a show about financial regulation is likely to be boring, I ask you to think again. Financial regulations are really about money. And in particular, ordinary Americans’ money. Consumer credit and credit cards Student loans Credit reporting Mortgage finance Fintech Crypto currencies How small businesses get financed And financial regulations have become yet another primary battlefield on which the Left hopes to fundamentally transform America through the prisms of race and social justice. Joining me t...
2021-06-1353 minThe Bill Walton Show“How Financial Regulations are Reshaping America” with Todd Zywicki and Brian JohnsonIf you think a show about financial regulation is likely to be boring, I ask you to think again. Financial regulations are really about money. And in particular, ordinary Americans’ money. Consumer credit and credit cards Student loans Credit reporting Mortgage finance Fintech Crypto currencies How small businesses get financed And financial regulations have become yet another primary battlefield on which the Left hopes to fundamentally transform America through the prisms of race and social justice. Joining me t...
2021-06-1353 min
Village Global PodcastHow To Fix Credentialism and The Student Debt Crisis with Todd ZywickiTodd Zywicki (@ToddZywicki), law professor and author of Unprofitable Schooling: Examining Causes of, and Fixes for, America’s Broken Ivory Tower, joins Erik on this episode to discuss:- The fact that 65% of funding increases to colleges gets passed through to students. - How the accreditation system got its start after the GI Bill incentivized diploma mills.- Why student loan defaults are inversely correlated to the amount of debt a student has taken on.- Why proposals from both sides of the political aisle to address student debt have serious drawbacks, an...
2021-05-1825 min
FedSoc EventsWhen Politics is a Firing Offense: Do Anti-Discrimination Laws Push Employers to Restrict Free Speech?On March 5, 2021, the Federalist Society's Delaware and Pittsburgh Lawyers Chapters co-hosted a discussion between Todd Zywicki and Walter Olson on anti-discrimination law and its affects on free speech in the workplace.Featuring: Walter Olson, Senior Fellow, Cato InstituteProf. Todd Zywicki, George Mason University Foundation Professor of Law, George Mason University Antonin Scalia School of Law; Senior Fellow, Cato InstituteIntroduction: Ryan Costa, Assistant Unit Head, Defensive Litigation Unit, Delaware Department of Justice; The Federalist Society's Delaware Lawyers Chapter*******As always, the Federalist Society takes no position on particular legal or public...
2021-04-0558 minRTP's Fourth Branch PodcastDeep Dive Episode 166 – The CFPB Taskforce Report on Federal Consumer Financial LawRecent years have seen a dramatic shift in the way in which American consumers use and shop for financial products and make payments, especially the rapid growth of electronic payments and electronic disclosures. These developments have raised both new opportunities for consumer choice and benefits but also potential new consumer protection threats. At the same time, repeated economic and financial crises, such as the 2020 global COVID pandemic, have illuminated the tensions in the existing institutional framework and suggested a need for modernization to respond to these challenges. To address these challenges, in 2020 Consumer Financial Protection Bureau Director Kathleen Kraninger...
2021-03-041h 06The Great AntidoteTodd Zywicki on Law and EconomicsSend us a textTodd Zywicki, Professor of Law at George Mason University, Senior Fellow of the Cato Institute, and former Executive Director of the GMU Law and Economics Center, joins us this week to discuss the national debt, financial regulation, minimum wage, and Law & Economics. Support the showNever miss another AdamSmithWorks update.Follow us on Facebook, Twitter, and Instagram.
2021-02-1852 min
Credit Eco To GoFraming the Discussion of the Role of Consumer Financial ServicesA financial services system must work for everyone. But how is that goal achieved? In 1968, President Johnson formed the National Commission on Consumer Finance (NCCF) which later issued a report in 1972 with recommendations of ways to change and improve a growing consumer financial services industry. Over fifty years later, the Consumer Financial Protection Bureau (CFPB) formed a Task Force on Federal Consumer Financial Law. The Task Force was charged with putting together a report which would offer recommendations to meaningfully improve consumer protections and the financial marketplace. Todd Zywicki, Chair of the CFPB’s Task Force and Professor of La...
2021-01-1327 min
The Law & Liberty PodcastThe Founders' SenateRichard Reinsch (00:18): Hello, and welcome to Liberty Law Talk. I'm Richard Reinsch. Today we're talking with Professor Todd Zywicki, welcoming him back to Liberty Law Talk, a frequent guest, to discuss recent calls for reforms to the Senate in particular and to the Congress and what might restore that body to more vigor and greater political-institutional health. Todd Zywicki, a frequent guest on Liberty Law Talk, when last he was on we discussed the cartel of higher education in conjunction with a book Todd had just written with Neal McCluskey. Todd is an expert in bankruptcy law and consumer...
2020-11-1042 min
Tom Woods Show, Archive 5Ep. 1415 Bad Idea: Bernie and AOC Want to Cap Credit Card Interest Rates Alexandra Ocasio-Cortez and Bernie Sanders are proposing that interest rates on credit cards be capped, as a way of helping the poor. Would such a policy have that effect? I'm joined by Todd Zywicki, a professor of law at Antonin Scalia Law School at George Mason University, and who's an expert on consumer credit, to work through the answer. We also discuss the cronyism that keeps alternative institutions from issuing credit cards.
2020-09-2130 min
Fed By Ravens Media8-19-2020 Words & NumbersReevaluating Regulations
Todd Zywicki, Professor of Law at GMU and head of the Consumer Finance Protection Bureau’s Task Force on Consumer Financial Law joins us to discuss the pros and cons of consumer protection and financial regulation.
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2020-08-2037 min
Words & NumbersEpisode 184: Reevaluating RegulationsTodd Zywicki, Professor of Law at GMU and head of the Consumer Finance Protection Bureau’s Task Force on Consumer Financial Law joins us to discuss the pros and cons of consumer protection and financial regulation. Get Your Copy of Cooperation and Coercion Now! http://www.cooperationandcoercion.com Show Your Support for Words & Numbers at Patreon https://www.patreon.com/wordsandnumbers Quick Hits Covid Caseshttps://www.health.pa.gov/topics/disease/coronavirus/Pages/Cases.aspx Nathan Benefield on Covid Cases https://ww...
2020-08-1936 min
Words & NumbersEpisode 184: Reevaluating RegulationsTodd Zywicki, Professor of Law at GMU and head of the Consumer Finance Protection Bureau’s Task Force on Consumer Financial Law joins us to discuss the pros and cons of consumer protection and financial regulation. Get Your Copy of Cooperation and Coercion Now! http://www.cooperationandcoercion.com Show Your Support for Words & Numbers at Patreon https://www.patreon.com/wordsandnumbers Quick Hits Covid Caseshttps://www.health.pa.gov/topics/disease/coronavirus/Pages/Cases.aspx Nathan Benefield on Covid Cases https://www.linkedin.co...
2020-08-1936 min
Mercatus Policy DownloadBehavioral Economics, Rationality, Paternalism and their Impact on Public PolicyOn today's episode, Shruti Rajagopalan, Research Fellow at the Mercatus Center, chats with Mario Rizzo and Glen Whitman about their latest book, Escaping Paternalism: Rationality, Behavioral Economics, and Public Policy. The three of them discuss the impact that behavioral economics, rationality, and paternalism have on public policy including, nudge paternalism, sin taxes, default rules, true preferences, and how behavioralists may be the new baptists. Check out some of the Mercatus Center's research related to this topic: For Your Own Good: Taxes, Paternalism, and Fiscal Discrimination in the Twenty-First Century by Adam J. Hoffer and Todd Nesbit...
2020-07-0740 minRTP's Fourth Branch PodcastDeep Dive 57 – Payday Lending LoansOne of the final acts of former Bureau of Consumer Financial Protection (CFPB) Director Richard Cordray before he left to run for Governor of Ohio in 2017 was the issuance of a comprehensive rule governing payday loans, auto title loans, and other small dollar loans. The centerpiece of the rule would have imposed a new "Ability to Repay" (ATR) underwriting standard on providers of these small dollar products for extensions of credit to repeat borrowers. The Rule was scheduled to go into effect in August 2019. In January of this year, however, new CFPB Director Kathy Kraninger announced a Notice of Proposed...
2019-06-0527 minRTP's Fourth Branch PodcastDeep Dive 56 – Loan Shark Prevention ActRecently, members of the United States Senate and United States House of Representatives have introduced the "Loan Shark Prevention Act," which imposes a nationwide 15% interest rate ceiling on all consumer credit products, from credit cards to payday loans. They also propose to empower the United States Post Office to engage in the practice of consumer retail banking. This Teleforum examines the economics of interest-rate ceilings on consumer credit and the historical experience with such proposals as well as discussing the proposal to create a Post Office bank.Featuring:- Wayne Abernathy, Executive VP for Financial Institutions Policy...
2019-05-3144 minFedSoc EventsPanel 2: Is Economic Protectionism a Legitimate State Interest?On March 15-16, 2019, the Federalist Society's student chapter at the ASU Sandra Day O'Connor College of Law hosted the 2019 National Student Symposium. The second panel asked "Is Economic Protectionism a Legitimate State Interest?".The Tenth Circuit held in Powers v. Harris that “intra-state economic protectionism, absent a violation of a specific federal statutory or constitutional provision, is a legitimate state interest.” The Second Circuit agrees. In contrast, the Fifth and Sixth Circuits have struck down laws aimed at protecting local economic actors as unjustified by state police power. Does a state violate the Equal Protection Clause when it restricts econ...
2019-04-171h 40
Free ThoughtsIs Wall Street Overregulated? (with Todd Zywicki)Zywicki starts off by simply explaining what a bank is and what it does. It is surprising how many people don’t actually know what their bank does for them. Early in life you are a borrower in order to buy a house or a car, later in life you become a lender to that same bank. Unfortunately, there has been so much regulation in the American banking system that there is no room for innovation which caused the phase out of mom & pop neighborhood banks.What is a bank? What is Glass-Steagall? How much risk should ba...
2018-12-2150 min
Ipse DixitTodd Zywicki on the History & Regulation of Consumer CreditIn this episode, Todd J. Zywicki, Foundation Professor of Law at the George Mason University Antonin Scalia Law School, discusses his provocative scholarship on the history and regulation of consumer credit. Zywicki begins by explaining the origins of both modern consumer credit and consumer credit scholarship in the 1920s. Then he discusses the gradual emergence of other forms of consumer credit, including credit cards. In light of this history, he offers some thoughts on how the government could better regulate access to consumer credit, as well as some observations on the use of behavioral law and economics by scholars...
2018-10-1833 min
Necessary & Proper PodcastNecessary & Proper Episode 27: How Should the United States Senate be Elected?The Constitution did not create a direct democracy; it established a constitutional republic. Its goal was to preserve individual liberty. To this end, the Framers provided that the power of various political actors would derive from different sources. One example from the Founders’ original design was the election of U.S. Senators by state legislators. However in 1913 the Seventeenth Amendment replaced the original means for election of Senators with the current system of direct election by the people. What impact has this significant change made on federalism and the Legislative branch? Would reinstating the Framers’ design for the Senate elec...
2018-10-171h 12FedSoc EventsHow Should the United States Senate be Elected?The Constitution did not create a direct democracy; it established a constitutional republic. Its goal was to preserve individual liberty. To this end, the Framers provided that the power of various political actors would derive from different sources. One example from the Founders’ original design was the election of U.S. Senators by state legislators. However in 1913 the Seventeenth Amendment replaced the original means for election of Senators with the current system of direct election by the people. What impact has this significant change made on federalism and the Legislative branch? Would reinstating the Framers’ design for the Senate elec...
2018-10-021h 10