Michael P. Malloy has been a law professor for more than 35 years, regularly teaching Bank Regulation, Contracts, Corporations, Law & Literature, International Banking, International Trade, and Securities Regulation. An internationally recognized expert on bank regulation and on economic sanctions, he received his JD from the University of Pennsylvania and his PhD from Georgetown University. He is a frequent consultant to state, federal, and foreign governments, and international bodies. Currently Dr. Malloy is a U.S. representative to the Real Estate Market Advisory Group, which serves the Committee on Housing and Land Management of the UN Economic Commission for Europe, based in Geneva. He is also Director of the Business and Law Research Division of the Athens Institute for Education and Research, among other activities.