Mehrsa Baradaran

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 an 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 book How the Other Half Banks with the Harvard University Press and "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's book How the Other Half Banks has received significant media coverage and has been featured in the New York Times, the Atlantic, Slate, American Banker, and other national and international news and radio outlets.

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


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


Regulation by Hypothetical, 67 Vand. L. Rev. 1247 (2014).

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).


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.