TY - GEN T1 - Rethinking Disclosure in a World of Risk-Based Pricing AU - McCoy, Patricia A. AB - The residential mortgage market in the United States has changed significantly since the passage of current federal mortgage disclosure laws in the 1960s and 1970s. In this Article, Professor Patricia McCoy advocates for the reform of these traditional disclosure rules. After describing the evolution of the subprime mortgage market and providing a description of current federal disclosure laws, she explores how these new market dynamics cause the traditional disclosure rules to break down in the subprime market. Professor McCoy concludes with proposals to counteract false advertising practices, facilitate "meaningful comparison-shopping, and formulate streamlined disclosures addressing loan applicants' greatest concerns in the subprime market. KW - Truth in Lending Act KW - risk-based pricing KW - predatory lending KW - disclosures KW - subprime DA - 2007-1-1 PY - 2024 PB - unav JO - Harvard Journal of Legislation SP - 123-166 ER -