Howell Jackson

James S. Reid, Jr. Professor of Law

Office:	Griswold 510
Assistant:	Carole Mason 617/384-9814
Phone:	(617) 495-5466
Fax:	(617) 496-5156
Email:	hjackson@law.harvard.edu
Web Page:	(link)

Faculty Directory listing

Bibliography

Books

Jackson, Howell, Louis Kaplow, Steven M. Shavell, W. Kip Viscusi & David Cope. Analytical Methods for Lawyers (Foundation Press 2nd ed. 2011).
(1st edition, Foundation Press, 2003)

Fiscal Challenges: An Interdisciplinary Approach to Budget Policy (Elizabeth Garrett, Elizabeth Graddy & Howell Jackson eds., Cambridge University Press 2008).
(paperback edition in 2009)

Jackson, Howell, Louis Kaplow, Steven Shavel, Kip Viscusi, David Cope & Heather Mahar. Preliminary Teachers Manual for Analytical Methods for Lawyers (Foundation Press 2004).

Jackson, Howell. Accounting and Finance (Foundation Press 2004).
Full text: AMAZON (Purchase)

Jackson, Howell & Edward Symons. The Regulation of Financial Institutions: Cases and Materials (West Publications 1999).
Full text: AMAZON (Purchase)

Jackson, Howell & Edward Symons. The Regulation of Financial Institutions: Selected Statutes, Regulations and Forms (West Publications 1999).
Full text: AMAZON (Purchase)

Shorter Works in Collection

Jackson, Howell. "Loan-Level Disclosure in Securitization Transactions: A Problem with Three Dimensions" in Moving Forward: The Future of Consumer Credit and Mortgage Finance (Brookings Institution Press, 2011).
Full text: WWW

Jackson, Howell. "Learning from Eddy: A Meditation Upon Organizational Reform of Financial Supervision in Europe" in Perspectives in Company Law and Financial Regulation (Michel Tison, Hans De Wulf, Christoph Van der Elst & Reinhard Steennot eds., Cambridge University Press, forthcoming 2009).
Full text: SSRN

Jackson, Howell. "The Trilateral Dilemma in Financial Regulation" in Improving the Effectiveness of Financial Education and Savings Programs (Anna Maria Lusardi ed., University of Chicago Press, 2008).
Full text: SSRN

Jackson, Howell. "Counting the Ways: The Structure of Federal Spending" in Fiscal Challenges: An Interdisciplinary Approach to Budget Policy (Elizabeth Garrett, Elizabeth Graddy & Howell Jackson eds., Cambridge University Press, forthcoming 2007).
(available as John M. Olin Center Working Paper No. 583 http://www.law.harvard.edu/programs/olin_center/papers/583.html)

Jackson, Howell. "Accounting for Social Security Benefits" in Behavioral Public Finance (Edward J. McCaffery & Joel Slemrod eds., 2006).
Full text: AMAZON (Purchase)
(Previously released as John M. Olin Center Working Paper No. 520 http://papers.ssrn.com/sol3/papers.cfm?abstract_id=839246).)

Jackson, Howell. "An American Perspective on the FSA: Politics, Goals & Regulatory Intensity" in Regulatory Reforms in the Age of Financial Consolidation: The Emerging Market Economy and Advanced Countries (Lee-Jay Cho & Joonkyung Kim eds., 2006).
Full text: WWW
(Previously released as John M. Olin Discussion Paper Series No. 522 http://www.law.harvard.edu/programs/olin_center/papers/522_Jackson.html)

Jackson, Howell. "Commentary on The Supervisory Challenges of Financial Conglomerates in Korea" in Regulatory Reforms in the Age of Financial Consolidation: The Emerging Market Economy and Advanced Countries 285 (Lee-Jay Cho & Joonkyung Kim eds., 2006).

Jackson, Howell. "Consolidated Capital Regulation for Financial Conglomerates" in Capital Adequacy Beyond Basel (Hal Scott ed., Oxford University Press, 2005).

Jackson, Howell. "An American Perspective on the FSA: Politics, Goals & Regulatory Intensity" in Regulatory Reforms in the Age of Financial Consolidation: Emerging Market Economy and Advanced Countries (East West Center/ Korean Development Institute, 2005).

Jackson, Howell. "The Role of Credit Rating Agencies in the Establishment of Capital Standards for Financial Institutions in a Global Economy" in The Challenges Facing Financial Regulation 311 (Eilis Ferran & Charles A. E. Goodhart eds., Hart, 2001).

Jackson, Howell. "Selective Incorporation of Foreign Legal Systems to Promote Nepal as an International Financial Services Center" in Regulation and Deregulation: Policy and Practice in the Utilities and Financial Services Industry (Clarendon Press, forthcoming 1999).

Jackson, Howell. "Regulatory Problems in Privatizing Social Security" in Framing the Social Security Debate: Values, Politics and Economics (Brookings Institute, forthcoming 1999).

Jackson, Howell. "The Regulation of Financial Holding Companies, The New Palgrave for Law & Economics" in The New Palgrave for Law & Economics (Brookings Institute, 1998).

Jackson, Howell. "Fees and the Investment Company Industry: An Analysis of Current Developments" in ALI-ABA Materials for Advance Course on Investment Management (1996).

Jackson, Howell. "Commentary on Mark J. Flannery, Government Risk-Bearing in the Financial Sector of a Capitalist Economy" in Government Risk-Bearing: Proceedings of a Conference Held at the Federal Reserve Bank of Cleveland (Brookings Institute, 1991).

Articles in a Periodical

Campbell, John C., Howell Jackson, Brigitte Madrian & Peter Tufano. "Consumer Financial Protection," 25 Journal of Economic Perspectives 91 (2011).

Jackson, Howell. "A Pragmatic Approach to the Phased Consolidation of Financial Regulation in the United States," Harvard Journal on Legislation, (forthcoming 2010).
Full text: SSRN

Jackson, Howell. "Toward a New Regulatory Paradigm for the Trans-Atlantic Financial Market and Beyond: Legal and Economic Perspectives," European Business Organization Law Review, (forthcoming).

Stephenson, Matthew & Howell Jackson. "Lobbyists as Imperfect Agents: Implications for Public Policy in a Pluralist System," 47 Harvard Journal of Legislation 1 (2010).

Jackson, Howell & Mark J. Roe. "Public and Private Enforcement of Securities Laws: Resource-Based Evidence," 93 Journal of Financial Economics 207 (2009).

Jackson, Howell. "Toward a New Regulatory Paradigm for the Trans-Atlantic Financial Market and Beyond: Legal and Economic Perspectives," 1743 Practising Law Institute 1203 (2009).

Jackson, Howell & Eric Pan. "Regulatory Competition in International Securities Markets: Evidence from Europe - Part II," 3 Virginia Law & Business Review 207 (2008).
Full text: WWW

Jackson, Howell. "The Impact of Enforcement: A Reflection (response to John C. Coffee, Jr., Law and the Market: The Impact of Enforcement, 156 U. PA. L. Rev. 229 (2007))," PENNumbra 400 U. Pa. L. Rev (2008).

Jackson, Howell. "A System of Selective Substitute Compliance," 48 Harvard Int'l. L. J. 105 (2007).
Full text: WWW

Jackson, Howell & Laurie Burlingame. "Kickbacks or Compensation: The Case of Yield Spread Premiums," 12 Stan. J. Law, Bus. 289 (2007).

Jackson, Howell & Stacy Anderson. "Can States Tax National Banks to Educate Consumers About Predatory Lending Practices?" 30 Harvard Journal of Law & Public Policy 1 (2007).
(Available as John M. Olin Discussion Series Paper No. 577. http://www.law.harvard.edu/programs/olin_center/papers/577_Jackson_Anderson.html)

Jackson, Howell. "Variation in the Intensity of Financial Regulation: Preliminary Evidence and Potential Implications," 24 Yale Journal on Regulation 101 (2007).
Full text: SSRN

Gadinis, Stavros & Howell Jackson. "Markets as Regulators: A Survey," 80 Southern California Law Review 1239 (2007).
(available as John M. Olin Series Working Paper No. 579 (Oct. 6, 2006) http://www.law.harvard.edu/programs/olin_center/papers/579_Jackson_Gkantinis.html)

Jackson, Howell & Anderson Stacy. "Can States Tax National Banks to Educate Consumers About Predatory Lending Practices," 30 Harvard Journal of Law & Public Policy 831 (2007).

Jackson, Howell. "Big Liability: Social Security, Medicare, and Accounting," The New Republic Online, July 12, 2006.
Full text: WWW
(Commentary)

Jackson, Howell, Mark Gurevich & Andreas A. Fleckner. "The Controversy Over the Placement of Remote Trading Screens from Foreign Exchanges in the United States," 1 Capital Markets Law Journal 54 (2006).
(John M. Olin Center Discussion Paper Series No. 549 http://www.law.harvard.edu/programs/olin_center/papers/549_Jackson_et%20al.html)

Alexander, Kern, Ellis Ferran, Howell Jackson & Niamh Moloney. "Transatlantic Financial Services Regulatory Dialogue," 7 European Business Organization Law Review 647 (2006).
(Available as John M. Olin Center Working Paper No. 576 http://www.law.harvard.edu/programs/olin_center/papers/576_Jackson_et%20al.html)

Jackson, Howell. "Reply," 41 Harvard Journal on Legislation 221 (2004).
Full text: WWW

Jackson, Howell. "Accounting for Social Security and its Reform," 41 Harvard Journal on Legislation 59 (2004).
Full text: WWW

Jackson, Howell. "Analytical Methods for Lawyers," 53 Journal of Legal Education 321 (2003).
Full text: HEIN (Harvard Users) || HEIN || WESTLAW

Jackson, Howell. "To What Extent Should We Rely on the Mechanisms of Market Efficiency: A Preliminary Investigation of Dispersion in Individual Investor Returns," 28 Journal of Corporation Law 671 (2003).
Full text: WWW

Jackson, Howell. "Could We Invest the Surplus?" Tax Notes, March 2001, at 1245.
Full text: WWW

Jackson, Howell & Eric Pan. "Regulatory Competition in International Securities Markets: Evidence from Europe in 1999-Part I," 56 Business Law 653 (2001).
Full text: HEIN (Harvard Users) || HEIN || LEXIS || SSRN (Harvard Users) || SSRN || WESTLAW

Jackson, Howell. "Centralization, Competition, and Privatization in Financial Regulation," 2 Theoretical Inquiries in Law 649 (2001).
Full text: WWW

Jackson, Howell. "Regulation of a Multisectored Financial Services Industry: An Exploratory Essay," 77 Washington University Law Quarterly 319 (1999).

Jackson, Howell. "The Expanding Obligations of Financial Holding Companies," 107 Harvard Law Review 507 (1994).

Jackson, Howell. "Note on Double Liability of Bank Shareholders: A Response to Macey and Miller," 28 Wake Forest Law Review 919 (1993).

Jackson, Howell. "The Superior Performance of Savings and Loan Associations with Substantial Holding Companies," 22 Journal of Legal Studies 405 (1993).

Jackson, Howell. "Reflections Upon Kaye, Scholer: Enlisting Lawyers to Improve the Regulation of Financial Institutions," 66 Southern California Law Review 1019 (1993).

Jackson, Howell. "Commentary on Helen A. Garten, Whatever Happened to Market Discipline of Banks?" 1991 New York University Annual Survey of American Law 801 (1992).

Articles in a Newspaper

Jackson, Howell. "The True Cost of Privatizing Social Security," Tax Notes, January 3, 2005, Analysts Viewpoint.

Jackson, Howell. "Mind the Gap," Tax Notes, December 20, 2004, Analysts Viewpoints.

Jackson, Howell. "It's Even Worse than You Think," The New York Times, October 9, 2003, (Op-Ed), at A35.

Working or Discussion Papers

Jackson, Howell. "Variation in the Intensity of Financial Regulation: Preliminary Evidence of Potential Implications," John M. Olin Center Working Paper Series, No. 521 (2007).
Full text: SSRN

Reports or Studies

Jackson, Howell. "Regulatory Intensity in the Regulation of Capital Markets: A Preliminary Comparison of Canadian and U.S. Approaches" (2006).
Full text: WWW
(Study Commissioned by the Task Force to Modernize Securities Legislation in Canada)

Presentations

Jackson, Howell. Testimony on the Financial Crisis and the Breakdown of Financial Governance: Hearing Before the Senate Committee on Homeland Security and Governmental Affairs (January 21, 2009).

Jackson, Howell. "Variation in the Intensity of Financial Regulation: Preliminary Evidence and Potential Implications," EU Corporate Law Making, Harvard Law School, Cambridge, MA (October 29, 2004).

Jackson, Howell. "Consolidated Capital Requirements for Financial Conglomerates," University of Connecticut Law School, Hartford, Connecticut (October 21, 2004).

Jackson, Howell. "An Amercian Perspective on the FAS: Politics, Goals & Regulatory Intensity," East West Center, Honolulu, Hawaii (July 30, 2004).

Jackson, Howell. "Disclosure for Social Security Benefits," Behavioral Public Finance, Ann Arbor, Michigan (April 24, 2004).

Jackson, Howell. Accrual Accounting and Social Security, New America Foundation, Washington, D.C (January 30, 2004).

Jackson, Howell. Shirley A. Webster Lecture at University of Iowa Law School: Accounting for Social Security and Its Reform (September 26, 2003).

Jackson, Howell. Accounting for Social Security at the Stanford Institute for Economic Research, Washington, D.C (May 6, 2003).

Jackson, Howell. To What Extent Should We Rely on the Mechanisms of Market Efficiency: A Preliminary Investigation of Dispersion in Individual Investor Returns, Symposium at University of Iowa Law School (April 4, 2003).

Jackson, Howell. Participant and Contributor to National Academy of Social Insurance Study Annual on Uncharted Waters: Paying Benefits from Individual Savings Accounts in Federal Retirement Policy (2002 to present).

Jackson, Howell. Yield Spread Premiums, at Symposium on Yield Spread Premiums, Georgetown Law School (October 24, 2002).

Jackson, Howell. American's Perspective on the FSA: Politics, Goals & Regulatory Intensity, Conference on Do Financial Supermarkets Need Superregulators, Brooklyn Law School (September 20, 2002).

Jackson, Howell. Recent Developments in the Regulation of European Securities Markets, ABA Section on International Law and Practice (August 10, 2002).

Jackson, Howell. Kickbacks and Compensation: The Case of Yield Spread Premiums, Annual Meeting of the American Law and Economics Association (May 5, 2002).

Jackson, Howell. Testimony on Predatory Mortgage Lending Practices: Abusive Uses of Yield Spread Premiums: Hearing Before the Senate Committee on Banking, Housing, and Urban Affairs (January 8, 2002).

Jackson, Howell. Executive Committee for Section on Securities Regulation and Section on Financial Institutions of the American Association of Law Schools (January 2001 to present).

Jackson, Howell. Expert Witness on the Real Estate Settlement Procedures Act for Plaintiffs in Glover v. Standard Federal Bank, No. CIV 97-2068 DWF SRN (U.S. District Court for the District of Minnesota) (July 9, 2001 (initial report); November 9, 2001 (supplemental report)).

Jackson, Howell. Testimony on Protection of Retirement Savings: Federal Deposit Insurance Coverage for Retirement Accounts: Hearings Before the Financial Institutions Subcommittee of the Senate Committee on Banking, Housing, and Urban Affairs (November 1, 2001).

Jackson, Howell. Faculty Member, Regulation of Financial Institutions, 38th Annual Academy of American and International Law, Dallas, Texas (July 11, 2001).

Jackson, Howell. Principles of Good Regulation and Technical Problems in Comparative Cost Benefit Analysis to the Staff of the Financial Services Authority, London (June 27, 2001).

Jackson, Howell. Expert Witness on ERISA for Defendants in Whetman v. IKON Office Solutions, Inc., Civ. No. 00-87 (United States District Court, Eastern District of Pennsylvania) (MDL No. 1318) (June 4, 2001).

Jackson, Howell. Speaker on Changing Modes of Regulation After Gramm-Leach-Blilely, Conference on Financial Modernization after Gramm-Leach-Bliley, Cleveland-Marshall College of Law (May 18, 2001).

Jackson, Howell. Accounting for Social Security, Annual Meeting of the American Law and Economics Association (May 12, 2001).

Jackson, Howell. Part II of Regulation Competition in International Securities Markets: Evidence from Europe in 1999, Brooklyn Law School Seminar on International Finance (April 18, 2001).

Jackson, Howell. Panelist, Report on Research-in-Progress, National Association of Social Insurance Annual Meeting (January 25, 2001).

Jackson, Howell. Panelist, Current Issues in Securities Regulation, Securities Regulation Committee, American Association of Law Schools Annual Meeting (January 6, 2001).

Jackson, Howell. Speaker, Conference on The Challenges Facing Financial Regulation, Centre on Corporate and Commercial Law, Law Faculty, Cambridge University (July 6-7, 2000).

Jackson, Howell. Presenter and Participant, CEGLA Institute Conference on Protecting Investors in a Global Economy, Tel Aviv University (June 27-28, 2000).

Jackson, Howell. Regulation in a Multi-Sectored Financial Services Industry, University of Connecticut Law School (March 20, 2000).

Jackson, Howell. ERISA Then and Now, The Shifting Core of Pension & Employee-Benefit Regulation: 1974-1999, ALI-ABA Conference on Pension Policy (September 28, 1999).

Jackson, Howell. Presenter, Panel on Recent Writings on Regulatory Competition, American Law and Economic Association (May 8, 1998).

Jackson, Howell. Expert Witness on Banking Law for Internal Revenue Service in The Limited v. Commissioner, United States Tax Court, Docket Number 26618-95 (April 1998).

Jackson, Howell. Panelist, National Academy of Social Science Conference on the Privatization of Social Security (January 1998).

Jackson, Howell. Contributor to the Social Security Advisory Council (1997).

Jackson, Howell. Panelist, Suffolk University Law School Seminar on Recent Developments in Soft-Dollar Practices in the Securities Business (october 9, 1997).

Jackson, Howell. Speaker, Course on Current Issues in Bank Insurance Activities, Boston Bar Association (December 1996).

Jackson, Howell. Participant, Academic Advisory Council to the SEC Division of Investment Management (April 1996).

Jackson, Howell. Speaker at the ALI-ABA Advance Course on Investment Management (95'-96'-97').

Miscellaneous Publications

Jackson, Howell. "Commentary on The Supervisory Challenges of Financial Coglomerates in Korea," in a conference volume to be published by the East West Center/Korean Development Institute, 2005 (forthcoming).

Jackson, Howell. Expert Witness on the Real Estate Settlement Procedures Act for Plaintiffs in Glover v. Standard Federal Bank, No. CIV 97-2068 DWF SRN (U.S. District Court for the District of Minnesota) (Initial Report filed on July 9, 2001; Supplemental Report filed November 9, 2001).

Jackson, Howell.Expert Witness on Banking Law for Internal Revenue Service in The Limited v. Commissioner, United States Tax Court, Docket Number 26618-95 (April 1998).

Works in Progress

Jackson, Howell & Mark Gurevich. The Controversy Over the Placement of Remote Trading Screens from Foreign Exchanges in the United States (2004).

Jackson, Howell. Background Paper on Evolving Trends in the Supervision of Financial Conglomerates (2002).
Full text: WWW

Jackson, Howell. An American Perspective on the FSA: Politics, Goals & Regulation (2001).

Jackson, Howell. The Securitization of Financial Assets: An Introductory Essay (Nov. 14, 1994) (working paper) (1994).

Howell Jackson

Bibliography

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