Mehrsa Baradaran

J. Alton Hosch Associate Professor of Law

B.A., Brigham Young University
J.D., New York University 


Banking Law

Biographical Information: 

Mehrsa Baradaran joined the Georgia Law faculty in the fall of 2012. She currently serves as a J. Alton Hosch Associate Professor teaching Contracts and Banking Law.

She came to UGA from Brigham Young University, where she taught banking regulation, property and administrative law. During her time there, she was named the 1L Professor of the Year by the Student Bar Association.

Her scholarship includes the books How the Other Half Banks with the Harvard University Press and The Color of Money: An History of Black Banking (forthcoming, Harvard University Press). She has also published articles including "Regulation by Hypothetical" in the Vanderbilt Law Review, "It's Time for Postal Banking" in the Harvard Law Review Forum, "Banking and the Social Contract" in the Notre Dame Law Review, "How the Poor Got Cut Out of Banking" in the Emory Law Journal, "Reconsidering the Separation of Banking and Commerce" in the George Washington Law Review and "The ILC and the Reconstruction of U.S. Banking" in the SMU Law Review.

Baradaran and her book How the Other Half Banks have received significant national and international media coverage and has been featured in the New York Times, the Atlantic, Slate, American Banker, Financial Times, National Public Radio’s “Marketplace,” C-SPAN’s “Washington Journal,” Public Broadcasting Service’s “NewsHour” and as part of TEDxUGA.

Previously, Baradaran was an Academic Research Fellow at the New York University School of Law and practiced law in the financial institutions group at Davis, Polk & Wardwell in New York City.

She earned her bachelor's degree cum laude from Brigham Young University and her law degree cum laude from NYU, where she served as a member of the New York University Law Review.

Publications & Activities


The Color of Money: An Economic History of Black Banking, Harv. Univ. Press (forthcoming).

How the Other Half Banks, Harv. Univ. Press (2015).


Regulation by Hypothetical, 67 Vand. L. Rev. 1247 (2014) ( 57 Corp. Pract. Commentator (2015). 

It's Time for Postal Banking, 127 Harv. L. Rev. F. 165 (2014).

Banking and the Social Contract, 89 Notre Dame L. Rev. 1283 (2014).

How the Poor Got Cut Out of Banking, 62 Emory L.J. 483 (2013).

Reconsidering the Separation of Banking and Commerce, 80 Geo. Wash. L. Rev. 385 (2012).

The ILC and the Reconstruction of U.S. Banking, 63 SMU L. Rev. 1143 (2010).


Banks: A Broken Social Contract, Democracy Journal, June 28, 2016.

Payday Lending isn’t Helping the Poor. Here’s What Might, The Washington Post, June 28, 2016.

Credit Is a Double-Edged Sword, The Atlantic, Apr. 26, 2016.

Postal Banking Worked—Let’s Bring it Back, The Nation, Jan. 6, 2016

How Going Postal Could Help the Underbanked, Bloomberg, Nov. 19, 2015

It's Time for a Public Option in Banking, The Harvard Law Record, Nov. 16, 2015.

If the U.S. Government Treated Poor People as Well as It Treats Banks, The Atlantic, Oct. 15, 2015.

Postal Banking: A Lifesaver for America's Poor, American Banker, Sept. 24, 2015.

Hold the Champagne on GE Capital's Breakup, American Banker, Apr. 13, 2015.

Maggie Walkers Bank, The Huffington Post, Feb.13, 2015.

The Shrews that Tame Wall Street?, The Huffington Post, Nov. 25, 2014.

A Short History of Postal Banking,, Aug. 18, 2014.

The Post Office Banks on the Poor, New York Times, Feb. 7, 2014.


Why the Poor Face a Higher Cost of Banking, PBS Newshour, Jan. 6, 2016.

Book Review of How the Other Half Banks, Democracy Journal, Jan. 6, 2016.

Bernie Sanders’s Plan to Make Banking Affordable for Average Americans, The Atlantic, Jan. 5, 2016.

Who Gets Excluded From the Modern Economy?, The Atlantic, Jan. 4., 2016.

Advocates Push for the U.S. Postal Service to Offer Basic Banking, Los Angeles Times, Dec. 31, 2015.

Inequality in the U.S. Banking System, Washington Journal, Dec. 23, 2015.

Author Makes the Case for Postal Banking, Postal Record, Dec. 1, 2015.

The Uberization of Money, On Point, Nov. 17, 2015.

Ralph Nader Radio Hour, Nov. 16, 2015.

Ralph Nader, For America's Unbanked: Re-establishing the Postal Savings Bank, Book Review of How the Other Half Banks, Huffington Post, Nov. 16, 2015. 

Book Discussion of How the Other Half Banks, C-Span, Nov. 12, 2015. 

What the U.S. Doesn’t Like About Japan’s Post Offices, The Washington Post, Nov. 6, 2015.

How the US Post Office can Save America - and Itself, Quartz, Nov. 5, 2015.

Banking Reform Panel Discussion, Nov. 5, 2015.

How Bernie Sanders Plans to Transform the Postal Service and Help Millions in Poverty, Huffington Post, Nov. 4, 2015.

The How the Other Half Banks Edition, Slate Money, Nov. 4, 2015.

Interview of Professor Baradaran on Democracy Now!, Oct. 30, 2015.

Let's Make the Banks Serve Us: How the Government Subsidizes the Super-Rich, While We Pay the Overdraft Fees, Salon, Oct. 26, 2015.

Discussion on America's banking system featuring Prof. Baradaran, National Press Club, Oct. 9, 2015,

When the Bank Robs You, In These Times, Oct. 8, 2015.

Sunday Book Review, How the Other Half Banks, New York Times, Oct. 6, 2015.

But Don't Bank on It, Financial World, Oct. 5, 2015.  

Book Review of How the Other Half Banks, Kirkus Reviews, Sept. 4, 2015.

When Small Banks Merge, There Are Big Stakes For Customers, Georgia Public Broadcasting, Jun. 1, 2015.