We'd like to start by thanking Erik for inviting us to provide some posts to Conglomerate over the next two weeks, and the rest of the Conglomerate contributors for having us.  A bit about each of us before we begin with the substantive posts:

Kathleen Engel is the Associate Dean for Intellectual Life and Professor of Law at Suffolk Law School.  Together with Pat McCoy, Kathleen wrote The Subprime Virus: Reckless Credit, Regulatory Failure and Next Steps (Oxford Universty Press, 2011).  Kathleen is a national authority on mortgage finance and regulation, subprime and predatory lending, and housing discrimination.  She has presented her work around the world and advised federal and state agencies on various matters related to the financing of loans, including serving for three years on the Consumer Advisory Council of the Federal Reserve Board.

Tom Fitzpatrick is an economist by title (but mostly a lawyer by training) in the Community Development Department of the Federal Reserve Bank of Cleveland.  The views and opinions he expresses in his posts are his own,and not necessarily those of the Federal Reserve Bank of Cleveland, the Federal Reserve Board, or other Banks in the Federal Reserve System.  The majority of his research focuses on urban housing (particularly on weak markets, foreclosure, REO, and urban blight) and housing finance.  He also researchers resolution of large, complex financial firms, consumer bankruptcy, and public pension law.  To see Tom's publications just click on his name.

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