Professor of Law
chavard@ubalt.edu
410.837.5038
John and Frances Angelos Law Center, Room 1113
Administrative Assistant: Deborah Pinkham
410.837.4634
John and Frances Angelos Law Center, Room 518
Education
B. A., with highest honors, Bennett College
J.D., University of Pennsylvania
The Banking for All Project
Areas of Expertise
Banking Law
Sales And Leases
Cassandra Jones Havard is an expert in financial services regulation. She teaches banking regulation, venture capital financing as well as other courses in corporate and commercial law. After receiving her law degree from the University of Pennsylvania, Professor Jones Havard clerked for the late Hon. A. Leon Higginbotham on the U. S. Court of Appeals for the Third Circuit and was a senior counsel at the Federal Deposit Insurance Corporation in in Washington, D.C., specializing in complex banking litigation. At the University of Baltimore, she is also Director of the Charles Hamilton Houston Scholars Program, a pipeline program for undergraduates who are members of groups under-represented in the legal profession.
Professor Jones Havard’s research interests focus on the nexus between financial products, consumer welfare, and systemic risk, analyzed through the lens of law, economics, and race. That analysis often intersects with the underlying policies that deny financial access and economic inclusion. The author of several book chapters and articles, she has testified before Congress and published op-eds in the Baltimore Sun, the Legal Times and the Maryland Daily Record. In 2015, in response to the civil unrest in Baltimore, she delivered a well-received lecture on Fringe Banking, as a part of Divided Baltimore: How Did We Get Here, Were Do We Go?
Previously, Professor Jones Havard served as a Co-Chair of the Mid-Atlantic People of Color Scholarship Conference (MAPOC) from 2009 – 2014 and as a member of the Baltimore Financial Inclusion Working Group in 2015. She is the recipient of the Saul Ewing Transactional Teaching Award in 2016, named a 2018 Maryland Top 100 Women and has published articles in numerous law reviews including the Boston University Public Interest Journal, the Cardozo Law Review, the Kansas Public Policy Journal, the Kentucky Law Journal, the New York University Journal of Legislation and Public Policy, the Stanford Law and Policy Review and the Syracuse University Law Review. Presently, she is a member of Women in Housing and Finance and the University of Pennsylvania School of Law Dean’s Council for Penn Women.
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