Class 22 Bankruptcy, Spring, 2009 Consumer Mortgages

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Class 22 Bankruptcy, Spring, 2009 Consumer Mortgages 6/3/2018 Class 22 Bankruptcy, Spring, 2009 Consumer Mortgages Randal C. Picker Leffmann Professor of Commercial Law The Law School The University of Chicago 773.702.0864/r-picker@uchicago.edu Copyright © 2005-09 Randal C. Picker. All Rights Reserved.

Copyright © 2005-09 Randal C. Picker 6/3/2018 1322(b)(2) (b) Subject to subsections (a) and (c) of this section, the plan may— … (2) modify the rights of holders of secured claims, other than a claim secured only by a security interest in real property that is the debtor’s principal residence, or of holders of unsecured claims, or leave unaffected the rights of holders of any class of claims … June 3, 2018 Copyright © 2005-09 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 A Glimpse into the 1930s June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 Screen Capture Slide June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 Screen Capture Slide June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 Screen Capture Slide June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 Screen Capture Slide June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 Screen Capture Slide June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 Screen Capture Slide June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 Screen Capture Slide June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 Screen Capture Slide June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 Screen Capture Slide June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 Screen Capture Slide June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 Screen Capture Slide June 3, 2018 Copyright © 2009 Randal C. Picker

Reconstruction Finance Corp (47 Stat 5) (22 Jan 1932) 6/3/2018 Reconstruction Finance Corp (47 Stat 5) (22 Jan 1932) Statute June 3, 2018 Copyright © 2009 Randal C. Picker

Emergency Relief Act (47 Stat 709) (21 July 1932) 6/3/2018 Emergency Relief Act (47 Stat 709) (21 July 1932) Statute June 3, 2018 Copyright © 2009 Randal C. Picker

Emergency Banking Act (48 Stat 1) (9 Mar 1933) 6/3/2018 Emergency Banking Act (48 Stat 1) (9 Mar 1933) Statute June 3, 2018 Copyright © 2009 Randal C. Picker

Securities Act of 1933 (48 Stat 74) (27 May 1933) 6/3/2018 Securities Act of 1933 (48 Stat 74) (27 May 1933) Statute June 3, 2018 Copyright © 2009 Randal C. Picker

Gold Clause Resolution (48 Stat 112) (5 June 1933) 6/3/2018 Gold Clause Resolution (48 Stat 112) (5 June 1933) Statute June 3, 2018 Copyright © 2009 Randal C. Picker

Norman v. Baltimore & O. R. Co., 294 US 240 (1935) 6/3/2018 Norman v. Baltimore & O. R. Co., 294 US 240 (1935) June 3, 2018 Copyright © 2009 Randal C. Picker

Home Owners’ Loan Act of 1933 (48 Stat 128) (13 June 1933) 6/3/2018 Home Owners’ Loan Act of 1933 (48 Stat 128) (13 June 1933) Statute June 3, 2018 Copyright © 2009 Randal C. Picker

Banking Act of 1933 (48 Stat 162) (16 June 1933) 6/3/2018 Banking Act of 1933 (48 Stat 162) (16 June 1933) Statute June 3, 2018 Copyright © 2009 Randal C. Picker

Frazier-Lemke Act (48 Stat 1289) (28 June 1934) 6/3/2018 Frazier-Lemke Act (48 Stat 1289) (28 June 1934) Statute June 3, 2018 Copyright © 2009 Randal C. Picker

Louisville Joint Stock Land Bank v. Radford, 295 US 555 (1935) 6/3/2018 Louisville Joint Stock Land Bank v. Radford, 295 US 555 (1935) June 3, 2018 Copyright © 2009 Randal C. Picker

Frazier-Lemke Act (49 Stat 942) (28 Aug 1935) 6/3/2018 Frazier-Lemke Act (49 Stat 942) (28 Aug 1935) Statute June 3, 2018 Copyright © 2009 Randal C. Picker

Wright v. Vinton Branch, 300 US 440 (1937) 6/3/2018 Wright v. Vinton Branch, 300 US 440 (1937) June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 Today June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2009 Randal C. Picker 6/3/2018 June 3, 2018 Copyright © 2009 Randal C. Picker

Copyright © 2008-09 Randal C. Picker 6/3/2018 http://research.stlouisfed.org/fred2/series/M1SL?cid=25 June 3, 2018 Copyright © 2008-09 Randal C. Picker

Copyright © 2008-09 Randal C. Picker 6/3/2018 June 3, 2018 Copyright © 2008-09 Randal C. Picker

Copyright © 2008-09 Randal C. Picker 6/3/2018 http://research.stlouisfed.org/fred2/series/BOGAMBSL?cid=124 June 3, 2018 Copyright © 2008-09 Randal C. Picker

Copyright © 2008-09 Randal C. Picker 6/3/2018 http://research.stlouisfed.org/fred2/fredgraph?chart_type=line&s[1][id]=BOGAMBSL&s[1][transformation]=ch1 June 3, 2018 Copyright © 2008-09 Randal C. Picker

Copyright © 2008-09 Randal C. Picker 6/3/2018 http://research.stlouisfed.org/fred2/series/MULT?cid=25 June 3, 2018 Copyright © 2008-09 Randal C. Picker

Copyright © 2005-09 Randal C. Picker 6/3/2018 1322(b)(2) (b) Subject to subsections (a) and (c) of this section, the plan may— … (2) modify the rights of holders of secured claims, other than a claim secured only by a security interest in real property that is the debtor’s principal residence, or of holders of unsecured claims, or leave unaffected the rights of holders of any class of claims … June 3, 2018 Copyright © 2005-09 Randal C. Picker

Copyright © 2005 Randal C. Picker 6/3/2018 Screen Capture Slide June 3, 2018 Copyright © 2005 Randal C. Picker

Copyright © 2005 Randal C. Picker 6/3/2018 Key Issues Retroactivity and Takings Foreclosure Externalities Consequences for Lending and the Distribution of the Costs of Borrowing June 3, 2018 Copyright © 2005 Randal C. Picker