Kathleen C. Engel

Research Professor of Law

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Employment History


Kathleen Engel is a Research Professor of Law at Suffolk University in Boston. She is a national authority on mortgage finance and regulation, subprime and predatory lending, consumer credit, and housing discrimination. Her many publications include a 2011 book published by Oxford University Press, The Subprime Virus: Reckless Credit, Regulatory Failure and Next Steps (with Prof. Pat McCoy) and articles in Harvard Business Law Review, the Harvard Journal of Law and Public Policy, Texas Law Review, Washington University Law Quarterly, Fordham Law Review, The Journal of Economics and Business, and Housing Policy Debate.

Professor Engel joined the Suffolk Law faculty in 2009. Shortly after arriving, she was appointed the Associate Dean for Intellectual Life a position she held for a three-year term. Professor Engel previously worked at Cleveland-Marshall College of Law where she held the Leon M. and Gloria Plevin Professorship.

Professor Engel presents her award-winning research in academic, banking, and policy forums throughout the country and around the world. Her analysis of financial services markets and the laws that regulate them regularly catches the attention of the press; The New York Times, Business Week, The Economist, ABA Journal, ABC News, and The Wall Street Journal have all cited her work. Professor Engel has advised federal and state agencies on various matters related to financing of loans and served for three years on the Consumer Advisory Council of the Federal Reserve Board.

Professor Engel is an honors graduate from Smith College and the University of Texas School of Law. Following graduation from law school, Professor Engel clerked for Judge Homer Thornberry of the Fifth Circuit Court of Appeals in Austin, Texas. She then practiced law at Burnham & Hines in Boston, where she primarily represented plaintiffs in civil rights, and housing and employment discrimination cases.

Professor Engel has taught courses on consumer credit, the great financial crisis, torts, civil procedure, employment law, and employment discrimination.




Book Chapters

A Framework for Consumer Protection in Home Mortgage Lending, in THE AMERICAN MORTGAGE SYSTEM: CRISIS AND REFORM (2011) (with Thomas James Fitzpatrick)

The Impact of State Antipredatory Lending Laws: Policy Implications and Insights, in BORROWING TO LIVE: CONSUMER AND MORTGAGE CREDIT REVISITED (2008) (with R. Bostic, P. McCoy, A. Pennington-Cross, and S. Wachter)

From Credit Denial to Predatory Lending: The Challenge of Sustaining Minority Homeownership, in SEGREGATION: THE RISING COSTS FOR AMERICA (James H. Carr and Nandinee K. Kutty eds., 2008) (with Patricia A. McCoy)

Predatory Lending and Community Development at Loggerheads, in FINANCING LOW-INCOME COMMUNITIES: MODELS, OBSTACLES, AND FUTURE DIRECTIONS (2007) (with Patricia A. McCoy)

Changes in the Financial Services Market, Predatory Lending, and the Community Reinvestment Act, in FINANCIAL MODERNIZATION AFTER GRAMM-LEACH-BLILEY (2002) (with Patricia A. McCoy)

The Law and Economics of Remedies for Predatory Lending, in CHANGING FINANCIAL MARKETS AND COMMUNITY DEVELOPMENT (2001) (with Patricia A. McCoy)

Female Offenders, in ENCYCLOPEDIA OF SOCIAL WORK (18th ed., 1987) (with K. Gabel)      


The State of Play in City Claims Against Financial Firms, 40 FORDHAM URB. L.J. CITY SQUARE 82 (2014)

Complexity, Complicity, and Liability up the Securitization Food Chain: Investor and Arranger Exposure to Consumer Claims, 2 HARV. BUS. L. REV. 345 (2012) (with Thomas James Fitzpatrick IV)


Mortgage Product Substitution and State Anti-Predatory Lending Laws: Better Loans and Better Borrowers?, 40 ATLANTIC ECON. J. 273 (2012) (with R. Bostic, S. Chomsisengphet, P. McCoy, A. Pennington-Cross, and S. Wachter)

Federal Preemption and Consumer Financial Protection: Past and Future, 31 BANKING & FIN. SERVICES POL'Y REP. 25 (2012) (with Patricia A. McCoy) (Mar. 2012)

Forward to States in the Vanguard: Protecting Consumers During the Financial Crisis, 44 SUFFOLK U. L. REV. 1 (2011)

State and Local Anti-Predatory Lending Laws: The Effects of Assignee Liability and Legal Remedies, 60 J. ECON. & BUS. 47 (2008) (with R. Bostic, P. McCoy, A. Pennington-Cross, and S. Wachter)

Turning a Blind Eye: Wall Street Finance of Predatory Lending, 75 FORDHAM L. REV. 2039 (2007) (with Patricia A. McCoy)

Do Cities Have Standing? Redressing the Externalities of Predatory Lending, 38 CONN. L. REV. 355 (2006)

Predatory Lending: What Does Wall Street Have to Do with It?, 15 HOUSING POL'Y DEBATE 715 (2004) (with Patricia A. McCoy)

Can Employers Put Genetic Information to Good Use?, 16 J.L. & Health 9 (2003)

Revisiting "A Tale of Three Markets: The Law and Economics of Predatory Lending", 82 TEX. L. REV. 439 (2003) (with Patricia A. McCoy)

A Tale of Three Markets: The Law and Economics of Predatory Lending, 80 TEX. L. REV. 1255 (2002) (with Patricia A. McCoy)

The CRA Implications of Predatory Lending, 29 FORDHAM URB. L.J. 1571 (2002) (with Patricia A. McCoy)

Moving Up the Residential Hierarchy: A New Remedy for an Old Injury Arising from Housing Discrimination, 77 WASH. U. L.Q. 1153 (1999)

The Paradox of Prison Reform: Rehabilitation, Prisoners' Rights, and Violence, 7 HARV. J.L. & PUB. POL'Y 413 (1984) (with S. Rothman)

Prison Violence and the Paradox of Reform, 73 (Fall) PUB. INT. 91 (1983) (with S. Rothman) (reprinted in "Prosecutor's Brief," Spring 1984)


  • A.B., Smith College
  • JD, University of Texas

Law Professor Kathleen Engel

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