Elizabeth Warren (née Herring; born June 22, 1949) is an American bankruptcy law expert, Harvard Law School professor, and the United States Senator-elect for the state of Massachusetts, having defeated incumbent Senator Scott Brown in the 2012 United States Senate election in Massachusetts. Her work as a national policy advocate led to the conception and establishment of the U.S. Consumer Financial Protection Bureau. She has written a number of academic and popular works, and is a frequent subject of media interviews regarding the American economy and personal finance. Born in Oklahoma City, Warren attended The George Washington University and the University of Houston. She received a J.D. from Rutgers School of Law–Newark in 1976, and went on to teach law at several universities before joining Harvard in the early 1990s. In the wake of the 2008 financial crisis, Warren served as chair of the Congressional Oversight Panel created to over! see the Troubled Asset Relief Program (TARP) . She later served as Assistant to the President and Special Advisor to the Secretary of the Treasury for the Consumer Financial Protection Bureau under President Barack Obama. In the late 2000s she was recognized by publications such as the National Law Journal and the Time 100 as an increasingly influential public policy figure. She announced her candidacy for the U.S. Senate in September 2011, challenging Republican incumbent Scott Brown, and won the general election on November 6, 2012. She will be the first female Senator from Massachusetts. Contents 1 Early life, education, marriage and family 2 Academic career 2.1 Public life 2.2 Books and other works 3 Economic official 3.1 TARP oversight 3.2 Consumer Financial Protection Bureau 4 2012 U.S. Senate run 4.1 Cherokee self-identification 5 Recognition 6 Publications 7 See also 8 Notes 9 References 10 External links Early life, education, marriage and family Warren! was born Elizabeth Herring[2] on June 22, 1949,[3] in Oklahom! a City, Oklahoma, to working class parents Pauline (née Reed) and Donald Jones Herring.[4][5][6] She was the Herrings' fourth child, and had three older brothers.[7] When she was twelve, her father, a janitor, had a heart attack, which led to medical bills, a pay cut because he could not do his previous work, and eventually the loss of their car from failure to make loan repayments. Her mother found work in the catalog-order department at Sears, and Warren started work as a waitress at her aunt's restaurant to help the family finances.[7][8] At Northwest Classen High School, she was named "Oklahoma's top high-school debater". She received a debate-team scholarship to George Washington University at the age of 16. Initially aspiring to be a teacher, she left GWU after two years to marry her high-school boyfriend Jim Warren.[7][9] She moved to Houston with her husband, who was a NASA engineer. There she enrolled in the University of Houston and graduated in 1970 with a degre! e in speech pathology and audiology.[10] For a year, she taught children with disabilities in a public school, based on an "emergency certificate", as she had not taken the education courses required for a regular teaching certificate.[11][12] Warren and her husband moved to New Jersey for his work, where she decided to become a stay-at-home mom after becoming pregnant with their first child.[13][14] After her daughter turned two, Warren enrolled at the Rutgers School of Law–Newark.[13] She worked as a summer associate at Cadwalader, Wickersham & Taft. Shortly before her graduation in 1976, Warren became pregnant with her second child, and began to work as a lawyer from home, writing wills and doing real estate closings.[9][13] After having two children, Amelia and Alexander Warren, she and Jim Warren divorced in 1978,[15] but she kept her Warren surname. In 1980, Warren married Bruce Mann, a Harvard law professor.[15] Elizabeth Warren has written two books and severa! l articles with her daughter Amelia.[15] Academic career Throughout the! late 1970s and the 1980s and 1990s, Warren taught law at several universities throughout the country, while researching issues related to bankruptcy and middle-class personal finance.[13] Warren taught at the Rutgers School of Law–Newark from 1977-1978, the University of Houston Law Center from 1978–1983, and the University of Texas School of Law from 1981-1987, in addition to teaching at the University of Michigan as a visiting professor in 1985 and as a research associate at the University of Texas at Austin from 1983-1987.[citation needed] She joined the University of Pennsylvania Law School in 1987, becoming a tenured professor. She began teaching at Harvard Law School in 1992 as a visiting professor, and began a permanent position as Leo Gottlieb Professor of Law in 1995.[16] In 1995 Warren was asked to advise the National Bankruptcy Review Commission. She helped to draft the commission's report and worked for several years to oppose legislation intended to severe! ly restrict the right of consumers to file for bankruptcy. Warren and others opposing the legislation were not successful; in 2005 Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.[17] From November 2006 to November 2010, Warren was a member of the FDIC Advisory Committee on Economic Inclusion.[18] She is a member of the National Bankruptcy Conference, an independent organization which advises the U.S. Congress on bankruptcy law.[19] She is a former Vice-President of the American Law Institute and a member of the American Academy of Arts and Sciences.[20] Public life Warren has had a high public profile; she has appeared in the documentary films Maxed Out and Michael Moore's Capitalism: A Love Story.[21] She has appeared numerous times on TV programs including Dr. Phil and The Daily Show,[22] and has frequently been interviewed on cable news networks, radio programs, and websites. Books and other works Warren has written several books, inc! luding All Your Worth: The Ultimate Lifetime Money Plan, coauthored wit! h her daughter, Amelia Tyagi. Warren and Tyagi wrote The Two-Income Trap: Why Middle-Class Mothers and Fathers Are Going Broke. Warren and Tyagi point out that a fully employed worker today earns less inflation-adjusted income than a fully employed worker did 30 years ago. Although families spend less today on clothing, appliances, and other consumption, the costs of core expenses such as mortgages, health care, transportation, and child care have increased dramatically. The result is that even with two income-earners, families are no longer able to save and have incurred greater and greater debt.[23] In an article in The New York Times, Jeff Madrick said of Warren's book: The authors find that it is not the free-spending young or the incapacitated elderly who are declaring bankruptcy so much as families with children... their main thesis is undeniable. Typical families often cannot afford the high-quality education, health care and neighborhoods required to be middle ! class today. More clearly than anyone else, I think, Ms. Warren and Ms. Tyagi have shown how little attention the nation and our government have paid to the way Americans really live.[24] Writing in Time magazine, Maryanna Murray Buechner said of Warren's book: For families looking for ways to cope, Warren and Tyagi mainly offer palliatives: Buy a cheaper house. Squirrel away a six-month cash cushion. Yeah, right. But they also know that there are no easy solutions. Readers who are already committed to a house and parenthood will find little to mitigate the deflating sense that they have nowhere to go but down.[25] In 2005, Warren and David Himmelstein published a study on bankruptcy and medical bills,[26] which found that half of all families filing for bankruptcy did so in the aftermath of a serious medical problem. They say that three quarters of such families had medical insurance.[27] This study was widely cited in policy debates, though some have challenged the study'! s methods and offered alternative interpretations of the data, and sugg! ested that only seventeen percent of bankruptcies are directly attributable to medical expenses.[28] Economic official TARP oversight On November 14, 2008, Warren was appointed by United States Senate Majority Leader Harry Reid to chair the five-member Congressional Oversight Panel created to oversee the implementation of the Emergency Economic Stabilization Act.[29] The Panel released monthly oversight reports that evaluate the government bailout and related programs.[30] During Warren's tenure, these reports covered foreclosure mitigation, consumer and small business lending, commercial real estate, AIG, bank stress tests, the impact of the Troubled Asset Relief Program (TARP) on the financial markets, government guarantees, the automotive industry, and other topics.[a] Consumer Financial Protection Bureau Warren stands next to President Barack Obama as he announces the nomination of Richard Cordray as the first director of the Consumer Financial Protection Bureau during ! a statement at the White House. Warren has long advocated the creation of a new Consumer Financial Protection Bureau. The bureau was established by the Dodd–Frank Wall Street Reform and Consumer Protection Act signed into law by President Obama in July 2010. For the first year after the bill's signing, Warren worked on implementation of the bureau as a Special Assistant to the President in anticipation of the agency's formal opening. While liberal groups and consumer advocacy groups pushed for Obama to nominate Warren as the agency's permanent director, Warren was strongly opposed by financial institutions which had criticized Warren as overly aggressive in pursuing regulations, and by the Republican members of Congress.[31][32][33] In July 2011, Obama announced the nomination of former Ohio Attorney General Richard Cordray as th
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Elizabeth Warren (née Herring; born June 22, 1949) is an American bankruptcy law expert, Harvard Law School professor, and the Democratic nominee in the 2012 United Read the rest
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On leave Fall term 2012. Leo Gottlieb Professor of Law. Research Interests. Empirical and Policy Work in Bankruptcy and Commercial Law; Financially Distressed Companies Read the rest
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