Ineffective in Any Form: How Confirmation Bias and Distractions Undermine Improved Home-Loan Disclosures | Yale Law Journal
did not become effective until January 30, 2011. See Pub. L. No. 110-289, tit. V, 122 Stat. 2654, 2855-58 (codified at 15 U.S.C. §§ 1638(b)(2), 1640(a