We're very excited to have Lauren Willis of Loyola Law School, Los Angeles, join us as a guest blogger. We have been trying to find a mutually convenient time for months, and schedules finally aligned. Professor Willis is perhaps best known for being a skeptic of the Pollyannish view that consumer education always helps, a topic on which she has published a series of articles. At least four different Credit Slips bloggers have discussed her work (here, here, here, and here). I understand that Professor Willis intends to discuss moving beyond disclosure-based forms of regulation, building off her previous work.