Other Lending, Debt, and Credit IssuesTimes Op-Ed: Are Banks Too Expensive to Use? Posted on October 30, 2014 by Jeff Sovern Here. New School professor Lisa Servon, based on her forthcoming book. Jeff Sovern Michael Millemann Professor of Consumer Protection Law University of Maryland Francis King Carey School of Law Preston Paper on Clickwrap and Browsewrap NYT expose: lobbyist money influencing state attorneys general to drop investigations and enforcement