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Professor of Law Cassandra Jones Havard
John and Frances Angelos Law Center, Room 1113

Administrative Assistant: Deborah Pinkham
John and Frances Angelos Law Center, Room 518


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

Curriculum Vitae

The Banking for All Project

Areas of Expertise

Banking Law
Sales And Leases

Professor Jones Havard is an expert in financial services regulation. Her scholarship examines the challenges surrounding the financial services industry in the changing regulatory climate. She teaches courses in the regulation of financial institutions, corporate and commercial law. Jones Havard joined the law faculty at the University of Baltimore in 2005. She began her academic career at the Beasley School of Law, Temple University, where she was a tenured member of the faculty. She has been a visiting professor at the Catholic University School of Law and the University of Aberdeen, Aberdeen Scotland. As a practicing attorney, Jones Havard worked in the General Counsel's Office of the Federal Deposit Insurance Corporation and was also 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 Hon. A. Leon Higginbotham on the Third Circuit Court of Appeals. Professor Jones Havard earned her bachelor's degree from Bennett College with highest honors and the juris doctorate from the University of Pennsylvania School of Law.

Selected Publications

Books and Book Chapters

Farm Credit Litigation: Assessment of Current Farm Lawsuits, in Access And Equity Issues in Agriculture and Rural Development, Tuskegee University (1998)

Articles and Essays

“On The Take” - The Black Box of Credit Scoring and Mortgage Lending Discrimination, 20 Boston U. Pub. Int. J. 241 (2011)

Funny Money: How Federal Education Funding Hurts Poor and Minority Students,
19 Tem. Pol. & Civ. Rgts. J. (2009)

“Goin’ ‘Round in Circles” ... and Letting the Bad Loans Win — When Sub-Prime Lending Fails Borrowers: The Need for Uniform Mortgage Broker Regulation, 86 Neb. L. Rev. 301 (2008)

Advancing the CRA – Using the CRA's Strategic Option to Promote Community Inclusion: The CRA and Community Inclusion, Symposium: Issues in Community Economic Development, 29 W. N. Eng. L. Rev. 37 (2006)

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)

Symposium Issue: Ralph Ellison and the Law, Invisible Markets Netting Visible Results: "When Sub-Prime Lending Becomes Predatory", 26 Oklahoma City Law Review 1057 (2001)

Synergy and Friction: CRA, BHCs, SBA and Community Development Lending, 86 Kentucky Law Review 617 (1998)

Reconciling the Dormant Conflict: Crafting a Fraudulent Conveyance Exception to the Bankruptcy Code for Bank Holding Company Asset Transfers, 75 University of Denver Law Review 81 (1997)

Back To The Parent: Holding Company Liability for Subsidiary Banks - A Discussion of The Net Worth Maintenance Agreement, the Source of Strength Doctrine, and the Prompt Corrective Action Provision, 16 Cardozo Law Review 2353 (1995)

Public Land Banking and Mount Laurel II: Can There Be a Symbiotic Relationship? 15 Rutgers Law Journal 641 (1984)

Articles on Social Science Research Network

Recent Media

Interview: Unbanked in Baltimore, WYPR's Midday with Sheilah Kast , Feb. 10, 2014

Op-ed: Banking On Those Who Don't, Baltimore Sun , March 13, 2014