1. The reference in the text is intentionally vague, maleficent predatory lending being difficult to distinguish from beneficial subprime lending. See generally;A Tale of Three Markets: The Law and Economics of Predatory Lending
2. For examples of state laws preempting local laws that attempt to regulate predatory lending, and the ongoing battles in this arena, see, for example;L Tex;Cleveland Wins Round on Lending Law,2001
3. National League of Cities v. Usery (1976)
4. The "Conservative" Paths of the Rehnquist Court's Federalism Decisions