Contact Info

University of Baltimore School of Law
1420 North Charles Street
Baltimore, MD 21201-5779

Cassandra Jones Havard

Professor of Law, University of Baltimore

Professor Jones Havard’s scholarship examines financial services regulation. She has authored numerous articles addressing challenges in regulating the financial services industry. She teaches courses in banking law, commercial law, corporations and contracts. Professor Jones Havard joined the law faculty at the University of Baltimore in 2005. She began her academic career at the Beasley School of Law at Temple University where she was a tenured member of the faculty. She has been a visiting professor at the Catholic University School of Law. As a lawyer, Professor Jones Havard practiced in the General Counsel’s Office of the Federal Deposit Insurance Corporation and the Federal Home Loan Bank Board. She was a Trial Attorney in the Criminal Section of the Tax Division at the U.S. Department of Justice. After law school, she served as a law clerk for the Honorable A. Leon Higginbotham on the Third Circuit Court of Appeals.

Issues: Anti-Trust Regulations, Bank Bail Out, Bank Bonuses, Banking and Finance, Business, Corporate Incentives, Entrepreneurialism, Fannie/Freddie, Financial Markets, Housing Market Collapse, Monetary Policy, Multi-national corporations, Ratings Agencies, Securitization, Small Business, The Federal Reserve, Too Big To Fail, Wealth Creation

Experience:

• Trial Attorney, Criminal Section of the Tax Division at the US Department of Justice
• Practicing Lawyer, Federal Home Loan Bank Board
• Practicing Lawyer, General Counsel’s Office, Federal Deposit Insurance Corporation
• Visiting Professor, Catholic University School of Law
• Tenured Member of the Faculty, Beasley School of Law, Temple University

Education:

J.D., University of Pennsylvania
B. A. with honors, Bennett College

Books:

On the Take: The Black Box of Credit Scoring and Mortgage Discrimination, Boston U. Public Interest J. L.(2011)

Funny Money: How Federal Education Funding Hurts Poor and Minority Students, 19 Temple Political & Civil Rights J. (2009)

Democratizing Credit: Evaluating The Structural Inequities of Sub-Prime Lending, 56 Syracuse L. Rev. 233 (2006).

To Lend or Not to Lend: What the CRA Ought to Say about Sub-Prime and Predatory Lending, 7 Fla. Coastal L. Rev. 1 (2005).

African-American Farmers and Fair Lending: Racializing Rural Economic Space, 12 Stanford Law and Policy Review 333 (2001).