In response to Professor Littwin’s Article, Cathy Mansfield praises the article’s proposed borrower-driven protections.  But Mansfield argues that the article does not provide a solid basis for its conclusion that usury regulation would limit access to credit-card credit for low-income households and so is undesirable from both public-policy and low-income-household perspectives.  Mansfield concludes that Littwin’s proposals are groundbreaking but can only be enhanced by reasonable government rate regulation.