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Brian Thomas Melzer

Citations

Many of the citations below have been collected in an experimental project, CitEc, where a more detailed citation analysis can be found. These are citations from works listed in RePEc that could be analyzed mechanically. So far, only a minority of all works could be analyzed. See under "Corrections" how you can help improve the citation analysis.

Wikipedia or ReplicationWiki mentions

(Only mentions on Wikipedia that link back to a page on a RePEc service)
  1. Joanne W. Hsu & David A. Matsa & Brian T. Melzer, 2018. "Unemployment Insurance as a Housing Market Stabilizer," American Economic Review, American Economic Association, vol. 108(1), pages 49-81, January.

    Mentioned in:

    1. Unemployment Insurance as a Housing Market Stabilizer (AER 2018) in ReplicationWiki ()

Working papers

  1. Jennifer L. Dlugosz & Brian T. Melzer & Donald P. Morgan, 2021. "Who Pays the Price? Overdraft Fee Ceilings and the Unbanked," Staff Reports 973, Federal Reserve Bank of New York.

    Cited by:

    1. Paul S. Calem & Chris Henderson & Jenna Wang, 2025. "Who Remains Unbanked in the United States and Why?," Working Papers 25-02, Federal Reserve Bank of Philadelphia.
    2. Yogo, Motohiro & Whitten, Andrew & Cox, Natalie, 2025. "Financial Inclusion Across the United States," Journal of Financial Economics, Elsevier, vol. 166(C).
    3. Marco Migueis & Michael Suher & Jessie Xu, 2022. "Cost of Banking for LMI and Minority Communities," Finance and Economics Discussion Series 2022-040r1, Board of Governors of the Federal Reserve System (U.S.), revised 09 May 2025.

  2. Scott R. Baker & Lorenz Kueng & Leslie McGranahan & Brian Melzer, 2020. "Do Household Finances Constrain Unconventional Fiscal Policy?," Swiss Finance Institute Research Paper Series 20-32, Swiss Finance Institute.

    Cited by:

    1. Victoria Baudisch & Matthias Neuenkirch, 2023. "Costly, but (Relatively) Ineffective? An Assessment of Germany’s Temporary VAT Rate Reduction during the Covid-19 Pandemic," CESifo Working Paper Series 10417, CESifo.
    2. Shoji, Toshiaki, 2022. "Menu costs and information rigidity: Evidence from the consumption tax hike in Japan," Journal of Macroeconomics, Elsevier, vol. 72(C).
    3. Baker, Scott R. & Janas, Pawel & Kueng, Lorenz, 2025. "Correlation in state and local tax changes," Journal of Public Economics, Elsevier, vol. 242(C).
    4. Baker, Scott R. & Johnson, Stephanie & Kueng, Lorenz, 2024. "Financial returns to household inventory management," Journal of Financial Economics, Elsevier, vol. 151(C).
    5. Francesca Parodi, 2024. "Consumption Tax Cuts In A Recession," International Economic Review, Department of Economics, University of Pennsylvania and Osaka University Institute of Social and Economic Research Association, vol. 65(1), pages 117-148, February.
    6. Koeniger, Winfried & Kress, Peter, 2024. "The Effect of Unconventional Fiscal Policy on Consumption – New Evidence Based on Transactional Data," IZA Discussion Papers 17412, IZA Network @ LISER.
    7. Scott R. Baker & Stephanie Johnson & Lorenz Kueng, 2021. "Shopping for Lower Sales Tax Rates," American Economic Journal: Macroeconomics, American Economic Association, vol. 13(3), pages 209-250, July.
    8. Alisdair McKay & Johannes F. Wieland, 2021. "Lumpy Durable Consumption Demand and the Limited Ammunition of Monetary Policy," Staff Report 622, Federal Reserve Bank of Minneapolis.
    9. Bartal, Mehdi & Becard, Yvan, 2024. "Consumption tax cuts vs stimulus payments," Journal of Public Economics, Elsevier, vol. 239(C).
    10. Liu, Jiacheng & Wang, Yaojing & Yao, Yi, 2024. "Anticipated benefit termination and health care consumption responses: Evidence from a quasi-experiment," Journal of Economic Behavior & Organization, Elsevier, vol. 227(C).

  3. Efraim Benmelech & Adam Guren & Brian T. Melzer, 2017. "Making the House a Home: The Stimulative Effect of Home Purchases on Consumption and Investment," NBER Working Papers 23570, National Bureau of Economic Research, Inc.

    Cited by:

    1. Elliot Anenberg & Daniel R. Ringo, 2019. "The Propagation of Demand Shocks Through Housing Markets," Finance and Economics Discussion Series 2019-084, Board of Governors of the Federal Reserve System (U.S.).
    2. Feng Deng, 2019. "The sharing economy and urban property rights," Asia-Pacific Journal of Regional Science, Springer, vol. 3(1), pages 121-136, February.
    3. Dongjae Jung, 2020. "Consumption Dynamics and a Home Purchase," Working Papers 2020-27, Economic Research Institute, Bank of Korea.
    4. Zekai He & Jingjing Ye & Xiuzhen Shi, 2020. "Housing wealth and household consumption in urban China," Urban Studies, Urban Studies Journal Limited, vol. 57(8), pages 1714-1732, June.
    5. Gyöngyösi, Győző & Rariga, Judit & Verner, Emil, 2022. "The anatomy of consumption in a household foreign currency debt crisis," Working Paper Series 2733, European Central Bank.
    6. Alvaro Mezza & Daniel R. Ringo & Kamila Sommer, 2021. "Student Loans, Access to Credit and Consumer Financial Behavior," Finance and Economics Discussion Series 2021-050, Board of Governors of the Federal Reserve System (U.S.).
    7. W. Ben Mccartney & John Orellana‐Li & Calvin Zhang, 2024. "Political Polarization Affects Households' Financial Decisions: Evidence from Home Sales," Journal of Finance, American Finance Association, vol. 79(2), pages 795-841, April.
    8. Arlene Wong, 2021. "Refinancing and The Transmission of Monetary Policy to Consumption," Working Papers 2021-57, Princeton University. Economics Department..
    9. Sjoerd Van Bekkum & Marc Gabarro & Rustom M. Irani & José-Luis Peydró, 2019. "Take It to the limit? The effects of household leverage caps," Economics Working Papers 1682, Department of Economics and Business, Universitat Pompeu Fabra, revised Feb 2022.
    10. Giovanni Favara & James Graham & Geng Li, 2025. "Of House and Home-Related Goods: The Home Purchase Channel of Expenditure," Finance and Economics Discussion Series 2025-045, Board of Governors of the Federal Reserve System (U.S.).
    11. Wong, Francis & Kermani, Amir, 2022. "Racial Disparities in Housing Returns," VfS Annual Conference 2022 (Basel): Big Data in Economics 264099, Verein für Socialpolitik / German Economic Association.
    12. Yingying Qi & Guohua Yu & Xiang Liu & Yuanming Ren, 2023. "Housing wealth appreciation and heterogeneous household consumption: Evidence from China," PLOS ONE, Public Library of Science, vol. 18(10), pages 1-28, October.
    13. Amir Kermani & Francis Wong, 2026. "Racial Disparities in Housing Returns," American Economic Review, American Economic Association, vol. 116(1), pages 287-331, January.
    14. Crossley, Thomas F. & Levell, Peter & Low, Hamish, 2024. "House price rises and borrowing to invest," Journal of Economic Behavior & Organization, Elsevier, vol. 223(C), pages 86-105.
    15. Sarah S. Baker, 2025. "Property Tax Pass-Through to Renters: A Quasi-Experimental Approach," Working Papers 25-41, Federal Reserve Bank of Philadelphia.
    16. Bhutta, Neil & Ringo, Daniel, 2021. "The effect of interest rates on home buying: Evidence from a shock to mortgage insurance premiums," Journal of Monetary Economics, Elsevier, vol. 118(C), pages 195-211.
    17. Li, Cheng & Zhang, Ying, 2021. "How does housing wealth affect household consumption? Evidence from macro-data with special implications for China," China Economic Review, Elsevier, vol. 69(C).
    18. Xiaoqing Zhou, 2021. "Mortgage Borrowing and the Boom-Bust Cycle in Consumption and Residential Investment," Working Papers 2103, Federal Reserve Bank of Dallas.
    19. Belinda Tracey & Neeltje Van Horen, 2021. "The consumption response to borrowing constraints in the mortgage market," Bank of England working papers 919, Bank of England.

  4. Camelia M. Kuhnen & Brian T. Melzer, 2017. "Non-Cognitive Abilities and Financial Delinquency: The Role of Self-Efficacy in Avoiding Financial Distress," NBER Working Papers 23028, National Bureau of Economic Research, Inc.

    Cited by:

    1. Glewwe, Paul & Song, Yang & Zou, Xianqiang, 2022. "Labor market outcomes, cognitive skills, and noncognitive skills in rural China," Journal of Economic Behavior & Organization, Elsevier, vol. 193(C), pages 294-311.
    2. Souheila Kaabachi & Selima Ben Mrad & Ahmed Anis Charfi & Monyédodo Régis Kpossa & Bay O’ Leary, 2024. "Drivers and consequences of consumer alienation in the French retail banking sector," Journal of Marketing Analytics, Palgrave Macmillan, vol. 12(4), pages 888-908, December.
    3. Dimuthu Ratnadiwakara, 2021. "Collateral Value and Strategic Default: Evidence from Auto Loans," Journal of Financial Services Research, Springer;Western Finance Association, vol. 59(3), pages 209-240, June.
    4. N. Luotonen & V. Puttonen & E. Rantapuska, 2022. "Ability, Educational Attainment, and Household Financial Distress," Journal of Consumer Policy, Springer, vol. 45(4), pages 655-672, December.
    5. Edina Berlinger & Sára Khayouti & Hubert János Kiss, 2022. "Time discounting predicts loan forbearance takeup," KRTK-KTI WORKING PAPERS 2201, Institute of Economics, Centre for Economic and Regional Studies.
    6. Nicolas Eber & Patrick Roger & Tristan Roger, 2023. "Finance and intelligence: An overview of the literature," Post-Print hal-04243115, HAL.
    7. Chen, Hung-Ling & Hsu, Yuan-Lin & Lu, Chi-Yang, 2024. "Revisiting financial fragility during the COVID-19 pandemic: Evidence from Taiwan," Journal of Behavioral and Experimental Finance, Elsevier, vol. 44(C).
    8. Zhou, Fanyin & Fu, Lijun & Li, Zhiyong & Xu, Jiawei, 2022. "The recurrence of financial distress: A survival analysis," International Journal of Forecasting, Elsevier, vol. 38(3), pages 1100-1115.
    9. Peijnenburg, Kim & Parise, Gianpaolo, 2017. "Understanding the Determinants of Financial Outcomes and Choices: The Role of Noncognitive Abilities," CEPR Discussion Papers 11900, C.E.P.R. Discussion Papers.
    10. Marco Angrisani & Marco Cipriani & Antonio Guarino & Ryan Kendall & Julen Ortiz de Zarate Pina, 2023. "Noncognitive Skills at the Time of COVID-19: An Experiment with Professional Traders and Students," Staff Reports 1055, Federal Reserve Bank of New York.
    11. Kreiner, Claus Thustrup & Willerslev-Olsen, Louise, 2016. "Financial Trouble Across Generations: Evidence from The Universe of Personal Loans in Denmark," CEPR Discussion Papers 11292, C.E.P.R. Discussion Papers.
    12. Katharina Hartinger & Erik Sarrazin & David J. Streich, 2025. "Banking for Boomers – A Field Experiment on Technology Adoption in Financial Services," Working Papers 2505, Gutenberg School of Management and Economics, Johannes Gutenberg-Universität Mainz, revised 02 Sep 2025.
    13. Tang, Ning, 2021. "Cognitive abilities, self-efficacy, and financial behavior," Journal of Economic Psychology, Elsevier, vol. 87(C).
    14. Feng Zhao & Youzhi Xiao, 2023. "Information Searching from New Media and Households’ Investment in Risky Assets: New Evidence from a Quasi-Natural Experiment," Sustainability, MDPI, vol. 15(4), pages 1-25, February.
    15. Victor Stango & Jonathan Zinman, 2019. "We are all Behavioral, More or Less: Measuring and Using Consumer-level Behavioral Sufficient Statistics," NBER Working Papers 25540, National Bureau of Economic Research, Inc.
    16. Christoph Gortz & Danny McGowan & Mallory Yeromonahos, 2021. "Furlough and Household Financial Distress during the COVID-19 Pandemic," Discussion Papers 21-13, Department of Economics, University of Birmingham.
    17. Szabó-Morvai, Ágnes & Kiss, Hubert János & Károlyi, Róbert, 2023. "Kontrollhely Magyarországon - egy reprezentatív felmérés eredményei [Locus of Control in Hungary: The results of a representative survey]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(7), pages 847-871.
    18. J. Cloutier & A. Roy, 2020. "Consumer Credit Use of Undergraduate, Graduate and Postgraduate Students: An Application of the Theory of Planned Behaviour," Journal of Consumer Policy, Springer, vol. 43(3), pages 565-592, September.
    19. Yang, Qianqian & Ye, Zihan & Zhou, Haizhen & Mo, Weiqiao, 2024. "Rely on whom you trust? Trust and financial planning for retirement," Finance Research Letters, Elsevier, vol. 69(PA).
    20. Berlinger, Edina & Kiss, Hubert János & Khayouti, Sára, 2022. "Loan forbearance takeup in the Covid-era - The role of time preferences and locus of control," Finance Research Letters, Elsevier, vol. 50(C).
    21. Ye, Zihan & Zou, Xiaopeng & Post, Thomas & Mo, Weiqiao & Yang, Qianqian, 2022. "Too old to plan? Age identity and financial planning among the older population of China," China Economic Review, Elsevier, vol. 73(C).
    22. Zisman, Chen & Ganzach, Yoav, 2022. "The claim that personality is more important than intelligence in predicting important life outcomes has been greatly exaggerated," Intelligence, Elsevier, vol. 92(C).
    23. Elise Frølich Furrebøe & Ellen Katrine Nyhus, 2022. "Financial self‐efficacy, financial literacy, and gender: A review," Journal of Consumer Affairs, Wiley Blackwell, vol. 56(2), pages 743-765, June.
    24. Driouchi, Tarik & So, Raymond H.Y. & Trigeorgis, Lenos, 2020. "Investor ambiguity, systemic banking risk and economic activity: The case of too-big-to-fail," Journal of Corporate Finance, Elsevier, vol. 62(C).
    25. Jorge Hernandez-Perez & Salvador Cruz Rambaud, 2025. "Uncovering the factors of financial well-being: the role of self-control, self-efficacy, and financial hardship," Future Business Journal, Springer, vol. 11(1), pages 1-18, December.
    26. Maya Haran Rosen & Orly Sade, 2021. "The Disparate Effect of Nudges on Minority Groups," Bank of Israel Working Papers 2021.21, Bank of Israel.
    27. Dong, Xiaoqi & Liang, Yinhe & Yu, Shuang, 2023. "Middle-achieving students are also my peers: The impact of peer effort on academic performance," Labour Economics, Elsevier, vol. 80(C).
    28. Liu, Liu & Zhang, Hua, 2021. "Financial literacy, self-efficacy and risky credit behavior among college students: Evidence from online consumer credit," Journal of Behavioral and Experimental Finance, Elsevier, vol. 32(C).
    29. Manso, Gustavo & Rivera, Alejandro & Wang, Hui (Grace) & Xia, Han, 2025. "Household debt overhang and human capital investment," Journal of Financial Economics, Elsevier, vol. 172(C).
    30. Kleimeier, Stefanie & Hoffmann, Arvid O.I. & Broihanne, Marie-Hélène & Plotkina, Daria & Göritz, Anja S., 2023. "Determinants of individuals’ objective and subjective financial fragility during the COVID-19 pandemic," Journal of Banking & Finance, Elsevier, vol. 153(C).
    31. Márton Gosztonyi & Dániel Havran, 2022. "Highways to Hell? Paths Towards the Formal Financial Exclusion: Empirical Lessons of the Households from Northern Hungary," The European Journal of Development Research, Palgrave Macmillan;European Association of Development Research and Training Institutes (EADI), vol. 34(3), pages 1573-1606, June.
    32. Ye, Zihan & Post, Thomas & Zou, Xiaopeng & Chen, Shenglan, 2025. "Savings goals matter–Cognitive constraints, retirement planning, and downstream economic behaviors," Journal of Behavioral and Experimental Finance, Elsevier, vol. 46(C).
    33. Da Ke, 2021. "Who Wears the Pants? Gender Identity Norms and Intrahousehold Financial Decision‐Making," Journal of Finance, American Finance Association, vol. 76(3), pages 1389-1425, June.
    34. Roy, Sanchari & Morton, Matthew & Bhattacharya, Shrayana, 2018. "Hidden human capital: Self-efficacy, aspirations and achievements of adolescent and young women in India," World Development, Elsevier, vol. 111(C), pages 161-180.
    35. Lei, Lei & Lu, Weijie & Niu, Geng & Zhou, Yang, 2024. "Religiosity and financial distress of the young," Journal of Banking & Finance, Elsevier, vol. 168(C).
    36. Bu, Di & Hanspal, Tobin & Liao, Yin & Liu, Yong, 2020. "Financial literacy and self-control in FinTech: Evidence from a field experiment on online consumer borrowing," SAFE Working Paper Series 273, Leibniz Institute for Financial Research SAFE.
    37. Ye, Zihan & Post, Thomas, 2020. "What age do you feel? – Subjective age identity and economic behaviors," Journal of Economic Behavior & Organization, Elsevier, vol. 173(C), pages 322-341.
    38. Yu, Wei & Stephan, Ute & Bao, Jia, 2023. "Childhood adversities: Mixed blessings for entrepreneurial entry," Journal of Business Venturing, Elsevier, vol. 38(2).
    39. Sara Fernández‐López & Marcos Álvarez‐Espiño & Lucía Rey‐Ares & Sandra Castro‐González, 2024. "Consumer financial vulnerability: Review, synthesis, and future research agenda," Journal of Economic Surveys, Wiley Blackwell, vol. 38(4), pages 1045-1084, September.
    40. Driouchi, Tarik & Trigeorgis, Lenos & So, Raymond H.Y., 2020. "Individual antecedents of real options appraisal: The role of national culture and ambiguity," European Journal of Operational Research, Elsevier, vol. 286(3), pages 1018-1032.
    41. Luis Vieira, 2025. "Too Sick for Working, or Sick of Working? Impact of Acute Health Shocks on Early Labour Market Exits," Papers 2505.06545, arXiv.org.
    42. Hwan-sik Choi & Ron A Laschever, 2018. "The Credit Card Debt Puzzle and Noncognitive Ability [Wealth accumulation and the propensity to plan]," Review of Finance, European Finance Association, vol. 22(6), pages 2109-2137.

  5. Daniel Green & Brian T. Melzer & Jonathan A. Parker & Arcenis Rojas, 2016. "Accelerator or Brake? Cash for Clunkers, Household Liquidity, and Aggregate Demand," NBER Working Papers 22878, National Bureau of Economic Research, Inc.

    Cited by:

    1. Ruling Hong & Mengxun Liu & Haoming Yang & Qianqian Zhang, 2023. "What Drives China’s Exports: Evidence from a Domestic Consumption Expansion Policy," Sustainability, MDPI, vol. 15(4), pages 1-15, February.
    2. Francesca Parodi, 2024. "Consumption Tax Cuts In A Recession," International Economic Review, Department of Economics, University of Pennsylvania and Osaka University Institute of Social and Economic Research Association, vol. 65(1), pages 117-148, February.
    3. D'Acunto, Francesco & Hoang, Daniel & Paloviita, Maritta & Weber, Michael, 2021. "Human frictions in the transmission of economic policy," Bank of Finland Research Discussion Papers 12/2021, Bank of Finland.
    4. Orazio Attanasio & Kieran Larkin & Morten O. Ravn & Mario Padula, 2022. "(S)Cars and the Great Recession," Econometrica, Econometric Society, vol. 90(5), pages 2319-2356, September.
    5. D'Acunto, Francesco & Hoang, Daniel & Paloviita, Maritta & Weber, Michael, 2023. "Cognitive constraints and economic incentives," Bank of Finland Research Discussion Papers 9/2023, Bank of Finland.

  6. Stephen Foerster & Juhani T. Linnainmaa & Brian T. Melzer & Alessandro Previtero, 2014. "Retail Financial Advice: Does One Size Fit All?," NBER Working Papers 20712, National Bureau of Economic Research, Inc.

    Cited by:

    1. Bjarne Florentsen & Ulf Nielsson & Peter Raahauge & Jesper Rangvid, 2022. "How Important is Affiliation Between Mutual Funds and Distributors for Fund Flows? [Is unbiased financial advice to retail investors sufficient? Answers from a large field study]," Review of Finance, European Finance Association, vol. 26(4), pages 971-1009.
    2. Knüpfer, Samuli & Rantapuska, Elias & Sarvimäki, Matti, 2017. "Why does portfolio choice correlate across generations?," Bank of Finland Research Discussion Papers 25/2017, Bank of Finland.
    3. John R. J. Thompson & Longlong Feng & R. Mark Reesor & Chuck Grace, 2020. "Know Your Clients' behaviours: a cluster analysis of financial transactions," Papers 2005.03625, arXiv.org, revised May 2020.
    4. Lynn, Peter & Fumagalli, Laura & Muñoz-Bugarin, Jair, 2021. "Investigating the role of debt advice on borrowers’ well-being. An encouragement study on a new sample of over-indebted people in Britain," ISER Working Paper Series 2021-08, Institute for Social and Economic Research.
    5. Gabriele Foà & Leonardo Gambacorta & Luigi Guiso & Paolo Emilio Mistrulli, 2015. "The supply side of household finance," BIS Working Papers 531, Bank for International Settlements.
    6. Badarinza, Cristian & Campbell, John Y. & Ramadorai, Tarun, 2016. "International Comparative Household Finance," Scholarly Articles 27535132, Harvard University Department of Economics.
    7. Zhi Da & Borja Larrain & Clemens Sialm & José Tessada, 2016. "Coordinated Noise Trading: Evidence from Pension Fund Reallocations," NBER Working Papers 22161, National Bureau of Economic Research, Inc.
    8. Campbell, John Y., 2016. "Restoring rational choice: The challenge of consumer financial regulation," Working Paper Series 1897, European Central Bank.
    9. Jason Allen & Robert Clark & Jean-François Houde & Shaoteng Li & Anna Trubnikova, 2023. "The Role of Intermediaries in Selection Markets: Evidence from Mortgage Lending," Staff Working Papers 23-12, Bank of Canada.
    10. Kaawach, Said & Kowalewski, Oskar & Talavera, Oleksandr, 2024. "Automatic versus manual investing: Role of past performance," Journal of Financial Stability, Elsevier, vol. 74(C).
    11. Alexia Gaudeul & Caterina Giannetti, 2021. "Fostering the adoption of robo-advisors: A 3-weeks online stock-trading experiment," Discussion Papers 2021/275, Dipartimento di Economia e Management (DEM), University of Pisa, Pisa, Italy.
    12. Kirchler, Michael & Lindner, Florian & Weitzel, Utz, 2020. "Delegated investment decisions and rankings," Journal of Banking & Finance, Elsevier, vol. 120(C).
    13. Sandro Ambuehl & B. Douglas Bernheim & Axel Ockenfels, 2019. "Projective Paternalism," CESifo Working Paper Series 7762, CESifo.
    14. Kling, Luisa & König-Kersting, Christian & Trautmann, Stefan T., 2019. "Investment Preferences and Risk Perception: Financial Agents versus Clients," Working Papers 0674, University of Heidelberg, Department of Economics.
    15. Stephen G. Dimmock & William C. Gerken & Tyson Van Alfen, 2021. "Real Estate Shocks and Financial Advisor Misconduct," Journal of Finance, American Finance Association, vol. 76(6), pages 3309-3346, December.
    16. Pattnaik Sonali & Hota Sweta Leena, 2025. "Exploring the Nexus of Robotic Advisory, Digital Fluency, and Financial Literacy in the Future Investment Landscape – A Systematic Review," Folia Oeconomica Stetinensia, Sciendo, vol. 25(1), pages 240-258.
    17. Martin Cesnak & Andrej Cupak & Pirmin Fessler & Jan Klacso, 2025. "Heterogenous Impacts of Macroprudential Policies: Financial Advisors, Regulatory Caps, and Mortgage Risk," Working and Discussion Papers WP 3/2025, Research Department, National Bank of Slovakia.
    18. Holzmeister, Felix & Holmén, Martin & Kirchler, Michael & Stefan, Matthias & Wengström, Erik, 2019. "Delegated Decision-Making in Finance," OSF Preprints 3umdf, Center for Open Science.
    19. Cowan, Arnold R. & Gao, Lei & Han, Jianlei & Pan, Zheyao, 2024. "Local religiosity and financial advisor misconduct," Journal of Corporate Finance, Elsevier, vol. 86(C).
    20. Francesco D'Acunto & Nagpurnanand Prabhala & Alberto G. Rossi, 2018. "The Promises and Pitfalls of Robo-advising," CESifo Working Paper Series 6907, CESifo.
    21. Malliaris, Steven & Malliaris, A.G., 2021. "Delegated asset management and performance when some investors are unsophisticated," Journal of Banking & Finance, Elsevier, vol. 133(C).
    22. Isaia, Eleonora & Oggero, Noemi, 2022. "The potential use of robo-advisors among the young generation: Evidence from Italy," Finance Research Letters, Elsevier, vol. 48(C).
    23. Leonardo Gambacorta & Luigi Guiso & Paolo Emilio Mistrulli & Andrea Pozzi & Anton Tsoy, 2019. "The Cost of Steering in Financial Markets: Evidence from the Mortgage Market," Temi di discussione (Economic working papers) 1252, Bank of Italy, Economic Research and International Relations Area.
    24. John H Cochrane, 2022. "Portfolios for Long-Term Investors [Rare disasters and asset markets in the twentieth century]," Review of Finance, European Finance Association, vol. 26(1), pages 1-42.
    25. Franziska Hünnekes & Maximilian Konradt & Moritz Schularick & Christoph Trebesch & Julian Wingenbach, 2025. "Exportweltmeister: Germany’s Foreign Investment Returns in International Comparison," Post-Print hal-05448425, HAL.
    26. Célérier, Claire & Vallée, Boris, 2016. "Catering to investors through product complexity," ESRB Working Paper Series 14, European Systemic Risk Board.
    27. Juhani T. Linnainmaa & Brian T. Melzer & Alessandro Previtero, 2021. "The Misguided Beliefs of Financial Advisors," Journal of Finance, American Finance Association, vol. 76(2), pages 587-621, April.
    28. Sorravich Kingsuwankul & Chloe Tergiman & Marie Claire Villeval, 2023. "Why do oaths work? Image concerns and credibility in promise keeping," Working Papers 2316, Groupe d'Analyse et de Théorie Economique Lyon St-Etienne (GATE Lyon St-Etienne), Université de Lyon.
    29. Firth, Chris, 2020. "Protecting investors from themselves: Evidence from a regulatory intervention," Journal of Behavioral and Experimental Finance, Elsevier, vol. 27(C).
    30. Bollen, Nicolas P.B. & Posavac, Steven, 2018. "Gender, risk tolerance, and false consensus in asset allocation recommendations," Journal of Banking & Finance, Elsevier, vol. 87(C), pages 304-317.
    31. Hackethal, Andreas & Laudenbach, Christine & Meyer, Steffen & Weber, Annika, 2018. "Client involvement in expert advice: Antibiotics in finance?," SAFE Working Paper Series 219, Leibniz Institute for Financial Research SAFE.
    32. Karina Sachpazidu & Katarzyna Niewinska, 2025. "Individual Investors’ Expectations vs. Brokerage Firms’ Perceptions: A Consistency Analysis in the Context of Client Relationship Management," European Research Studies Journal, European Research Studies Journal, vol. 0(3), pages 992-1015.
    33. Briana Chang & Martin Szydlowski, 2020. "The Market for Conflicted Advice," Journal of Finance, American Finance Association, vol. 75(2), pages 867-903, April.
    34. Timmermann, Allan & Lunde, Asger & Groenborg, Niels & Wermers, Russ, 2017. "Picking Funds with Confidence," CEPR Discussion Papers 11896, C.E.P.R. Discussion Papers.
    35. Baeckström, Ylva & Tosun, Onur Kemal & Riefler, Raul, 2024. "Wealth as a moderating effect on gender differences in portfolio holdings," Global Finance Journal, Elsevier, vol. 60(C).
    36. Edouard Ribes, 2022. "Transforming personal finance thanks to artificial intelligence: myth or reality?," Working Papers hal-03862261, HAL.
    37. Adam Farago & Martin Holmén & Felix Holzmeister & Michael Kirchler & Michael Razen, 2022. "Cognitive Skills and Economic Preferences in the Fund Industry," The Economic Journal, Royal Economic Society, vol. 132(645), pages 1737-1764.
    38. Zhuoqiong (Charlie) Chen & Tobias Gesche, 2016. "Persistent bias in advice-giving," ECON - Working Papers 228, Department of Economics - University of Zurich, revised Oct 2017.
    39. Belanche, Daniel & Casaló, Luis V. & Flavián, Marta, 2024. "Human versus virtual influences, a comparative study," Journal of Business Research, Elsevier, vol. 173(C).
    40. Damar, H. Evren & Gropp, Reint E. & Mordel, Adi, 2019. "Flight from safety: How a change to the deposit insurance limit affects households' portfolio allocation," IWH Discussion Papers 19/2019, Halle Institute for Economic Research (IWH).
    41. Massimiliano Stacchini & Pietro Vassallo, 2025. "The use of robo-advisors in Italy: insights from a new survey," Questioni di Economia e Finanza (Occasional Papers) 979, Bank of Italy, Economic Research and International Relations Area.
    42. Gurun, Umit G. & Stoffman, Noah & Yonker, Scott E., 2021. "Unlocking clients: The importance of relationships in the financial advisory industry," Journal of Financial Economics, Elsevier, vol. 141(3), pages 1218-1243.
    43. John R. J. Thompson & Longlong Feng & R. Mark Reesor & Chuck Grace & Adam Metzler, 2021. "Measuring Financial Advice: aligning client elicited and revealed risk," Papers 2105.11892, arXiv.org.
    44. Abigail Hurwitz & Olivia S. Mitchell & Orly Sade, 2021. "Longevity Perceptions and Saving Decisions during the COVID-19 Outbreak: An Experimental Investigation," NBER Working Papers 28361, National Bureau of Economic Research, Inc.
    45. Brühl, Volker & Radetzky, Marie-Therèse & Stolper, Oscar, 2025. "Shaping the compass? How sustainability preference elicitation guides investor demand," CFS Working Paper Series 737, Center for Financial Studies (CFS).
    46. Philippe d'Astous & Irina Gemmo & Pierre-Carl Michaud, 2022. "The Quality of Financial Advice: What Influences Client Recommendations?," Cahiers de recherche / Working Papers 9, Institut sur la retraite et l'épargne / Retirement and Savings Institute.
    47. Brunen, Ann-Christine & Laubach, Oliver, 2022. "Do sustainable consumers prefer socially responsible investments? A study among the users of robo advisors," Journal of Banking & Finance, Elsevier, vol. 136(C).
    48. de Bruin, Boudewijn & Cherednychenko, Olha & Hermes, Niels & Kramer, Marc & Meyer, Marco, 2024. "Demand for financial advice: Evidence from a randomized choice experiment," Journal of Banking & Finance, Elsevier, vol. 163(C).
    49. Kartashova, Katya & Tomlin, Ben, 2017. "House prices, consumption and the role of non-Mortgage debt," Journal of Banking & Finance, Elsevier, vol. 83(C), pages 121-134.
    50. Edouard Ribes, 2023. "The need for data products in personal finance," Working Papers hal-04015599, HAL.
    51. Pan, Xuefeng & Wu, Weixing & Zhang, Xuyang, 2020. "Is financial advice a cure-all or the icing on the cake for financial literacy? Evidence from financial market participation in China," International Review of Financial Analysis, Elsevier, vol. 69(C).
    52. Vishaal Baulkaran & Pawan Jain, 2023. "Who uses robo‐advising and how?," The Financial Review, Eastern Finance Association, vol. 58(1), pages 65-89, February.
    53. Runhuan Feng & Hong Li & Ming Liu, 2025. "Robo-Advisors Beyond Automation: Principles and Roadmap for AI-Driven Financial Planning," Papers 2509.09922, arXiv.org.
    54. Grant Alexander Wilson & Jason Jogia, 2024. "Examining personal financial advisors’ knowledge, client recommendations, and personal investments in private real estate and real estate investment trusts (REITs)," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 729-744, September.
    55. Bernd Scherer & Sebastian Lehner, 2023. "Trust me, I am a Robo-advisor," Journal of Asset Management, Palgrave Macmillan, vol. 24(2), pages 85-96, March.
    56. Matthias Horn & Andreas Oehler, 2020. "Automated portfolio rebalancing: Automatic erosion of investment performance?," Journal of Asset Management, Palgrave Macmillan, vol. 21(6), pages 489-505, October.
    57. Chuck Grace, 2019. "Next-Gen Financial Advice: Digital Innovation and Canada’s Policymakers," C.D. Howe Institute Commentary, C.D. Howe Institute, issue 538, March.
    58. Matthias Stefan & Martin Holmén & Felix Holzmeister & Michael Kirchler & Erik Wengström, 2022. "You can’t always get what you want—An experiment on finance professionals' decisions for others," Working Papers 2022-02, Faculty of Economics and Statistics, Universität Innsbruck.
    59. Andreas Oehler & Matthias Horn & Stefan Wendt, 2022. "Investor Characteristics and their Impact on the Decision to use a Robo-advisor," Journal of Financial Services Research, Springer;Western Finance Association, vol. 62(1), pages 91-125, October.
    60. Daniel Hoechle & Stefan Ruenzi & Nic Schaub & Markus Schmid, 2018. "Financial Advice and Bank Profits," The Review of Financial Studies, Society for Financial Studies, vol. 31(11), pages 4447-4492.
    61. Nobuyuki Hanaki & Bolin Mao & Tiffany Tsz Kwan Tse & Wenxin Zhou, 2024. "Valuing Algorithms Over Experts: Evidence from a Stock Price Forecasting Experiment," ISER Discussion Paper 1268, Institute of Social and Economic Research, The University of Osaka.
    62. Malliaris, Steven & Malliaris, A.G., 2022. "Reprint of: Delegated asset management and performance when some investors are unsophisticated," Journal of Banking & Finance, Elsevier, vol. 140(C).
    63. Mia Hang Pham & Harvey Nguyen & Martin Young & Anh Dao, 2024. "Who Keeps Company with the Wolf will Learn to Howl: Does Local Corruption Culture Affect Financial Adviser Misconduct?," Journal of Business Ethics, Springer, vol. 194(1), pages 185-210, September.
    64. Lippi, Andrea & Barbieri, Laura & Piva, Mariacristina & De Bondt, Werner, 2018. "Time-varying risk behavior and prior investment outcomes: Evidence from Italy," Judgment and Decision Making, Cambridge University Press, vol. 13(5), pages 471-483, September.
    65. Edouard Augustin Ribes, 2023. "Transforming personal finance thanks to artificial intelligence: myth or reality?," Financial Economics Letters, Anser Press, vol. 2(1), pages 11-12, April.
    66. Bianchi, Milo & Brière, Marie, 2021. "Human-Robot Interactions in Investment Decisions," TSE Working Papers 21-1251, Toulouse School of Economics (TSE), revised Mar 2024.
    67. Kelvin K. F. Law & Lillian F. Mills, 2019. "Financial Gatekeepers and Investor Protection: Evidence from Criminal Background Checks," Journal of Accounting Research, John Wiley & Sons, Ltd., vol. 57(2), pages 491-543, May.
    68. Moya-Ponce, Claudine & Madrazo-Lemaroy, Pilar, 2023. "Beliefs that provide a foundation for heuristics and biases in financial decision-making," Cuadernos de Gestión, Universidad del País Vasco - Instituto de Economía Aplicada a la Empresa (IEAE).
    69. Kling, Luisa & König-Kersting, Christian & Trautmann, Stefan T., 2023. "Investment preferences and risk perception: Financial agents versus clients," Journal of Banking & Finance, Elsevier, vol. 154(C).
    70. Hermansson, Cecilia & Jonsson, Sara & Liu, Lu, 2021. "The medium is the message: learning channels, financial literacy, and stock market participation," Working Paper Series 21/1, Royal Institute of Technology, Department of Real Estate and Construction Management & Banking and Finance, revised 28 Jun 2021.
    71. Füllbrunn, Sascha & Luhan, Wolfgang J., 2020. "Responsibility and limited liability in decision making for others – An experimental consideration," Journal of Economic Psychology, Elsevier, vol. 77(C).
    72. Eriksen, Kristoffer W. & Fest, Sebastian & Kvaløy, Ola & Dijk, Oege, 2022. "Fair advice," Journal of Banking & Finance, Elsevier, vol. 143(C).
    73. Hünnekes, Franziska & Konradt, Maximilian & Schularick, Moritz & Trebesch, Christoph & Wingenbach, Julian, 2025. "Exportweltmeister: Germany’s foreign investment returns in international comparison," Open Access Publications from Kiel Institute for the World Economy 318206, Kiel Institute for the World Economy.
    74. Cuc Lavinia Denisia & Rad Dana & Hațegan Camelia Daniela & Trifan Vanina Adoriana & Ardeleanu Titus, 2024. "The Mediating Role of the Financial Recommender System Advising Acceptance in the Relationship between Investments Trust and Decision-Making Behavior," Proceedings of the International Conference on Business Excellence, Sciendo, vol. 18(1), pages 2260-2273.
    75. Johannes Carow, 2024. "A critical assessment of the two-way fixed-effects model for firm-level dependent variables," Working Papers 2405, Gutenberg School of Management and Economics, Johannes Gutenberg-Universität Mainz.
    76. Christian Fieberg & Lars Hornuf & Maximilian Meiler & David J. Streich, 2025. "Using Large Language Models for Financial Advice," CESifo Working Paper Series 11666, CESifo.
    77. Montinari, Natalia & Rancan, Michela, 2020. "A friend is a treasure: On the interplay of social distance and monetary incentives when risk is taken on behalf of others," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 86(C).
    78. Franklin Allen & Julapa Jagtiani, 2020. "A Survey of Fintech Research and Policy Discussion," Working Papers 20-21, Federal Reserve Bank of Philadelphia.
    79. Tabea Bucher-Koenen & Andreas Hackethal & Johannes Koenen & Christine Laudenbach, 2021. "Gender Differences in Financial Advice," ECONtribute Discussion Papers Series 095, University of Bonn and University of Cologne, Germany.
    80. Oehler, Andreas & Horn, Matthias, 2024. "Does ChatGPT provide better advice than robo-advisors?," Finance Research Letters, Elsevier, vol. 60(C).
    81. Huang, Haitao & Jiang, Lei & Leng, Xuan & Peng, Liang, 2023. "Bootstrap analysis of mutual fund performance," Journal of Econometrics, Elsevier, vol. 235(1), pages 239-255.
    82. Said Kaawach & Oskar Kowalewski & Oleksandr Talavera, 2023. "Automatic vs Manual Investing: Role of Past Performance," Discussion Papers 23-04, Department of Economics, University of Birmingham.
    83. d’Astous, Philippe & Gemmo, Irina & Michaud, Pierre-Carl, 2024. "The quality of financial advice: What influences recommendations to clients?," Journal of Banking & Finance, Elsevier, vol. 169(C).
    84. Bender, Svetlana & Choi, James J. & Dyson, Danielle & Robertson, Adriana Z., 2022. "Millionaires speak: What drives their personal investment decisions?," Journal of Financial Economics, Elsevier, vol. 146(1), pages 305-330.
    85. Guo, Fusen & Li, Feng & Lu, Xiaomeng, 2024. "Does financial advisors improve portfolio efficiency for individual investors? Evidence from large-scale microdata," International Review of Economics & Finance, Elsevier, vol. 91(C), pages 400-412.
    86. Vivek Bhattacharya & Gastón Illanes & Manisha Padi, 2019. "Fiduciary Duty and the Market for Financial Advice," NBER Working Papers 25861, National Bureau of Economic Research, Inc.
    87. Michael Kirchler & Florian Lindner & Utz Weitzel, 2018. "Delegated Decision Making and Social Competition in the Finance Industry," Discussion Paper Series of the Max Planck Institute for Behavioral Economics 2018_08, Max Planck Institute for Behavioral Economics.
    88. Farago, Adam & Holmén, Martin & Holzmeister, Felix & Kirchler, Michael & Razen, Michael, 2019. "Cognitive Skills and Economic Preferences in the Fund Industry," OSF Preprints 964ba, Center for Open Science.
    89. Oehler, Andreas & Wanger, Hans Philipp, 2020. "Household portfolio optimization with XTFs? An empirical study using the SHS-base," Research in International Business and Finance, Elsevier, vol. 51(C).
    90. Alper Darendeli, 2025. "How do retail investors respond to summary disclosure? Evidence from mutual fund factsheets," Review of Accounting Studies, Springer, vol. 30(2), pages 1222-1266, June.
    91. Benjamin L. Collier & Marc A. Ragin, 2020. "The Influence of Sellers on Contract Choice: Evidence from Flood Insurance," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 87(2), pages 523-557, June.
    92. Scherer, Bernd & Lehner, Sebastian, 2025. "What drives robo-advice?," Journal of Empirical Finance, Elsevier, vol. 80(C).
    93. H. Evren Damar & Reint Gropp & Adi Mordel, 2020. "Banks' Funding Stress, Lending Supply, and Consumption Expenditure," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 52(4), pages 685-720, June.
    94. José María Liberti & Mitchell A Petersen, 2019. "Information: Hard and Soft," The Review of Corporate Finance Studies, Society for Financial Studies, vol. 8(1), pages 1-41.
    95. Chalmers, John & Reuter, Jonathan, 2020. "Is conflicted investment advice better than no advice?," Journal of Financial Economics, Elsevier, vol. 138(2), pages 366-387.
    96. Alexia GAUDEUL & Caterina GIANNETTI, 2023. "Trade-offs in the design of financial algorithms," Discussion Papers 2023/288, Dipartimento di Economia e Management (DEM), University of Pisa, Pisa, Italy.
    97. Gülen Karakoç & Marco Pagnozzi & Salvatore Piccolo & Giovanni W. Puopolo, 2020. "Information Acquisition and Financial Advice," CSEF Working Papers 587, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
    98. Horenstein, Alex R. & Snir, Avichai, 2017. "Portfolio choice in Mexico," Journal of Behavioral and Experimental Finance, Elsevier, vol. 16(C), pages 1-13.
    99. Baeckström, Ylva & Marsh, Ian W. & Silvester, Joanne, 2021. "Variations in investment advice provision: A study of financial advisors of millionaire investors," Journal of Economic Behavior & Organization, Elsevier, vol. 188(C), pages 716-735.
    100. Lucas C. Coffman & Alexander Gotthard-Real, 2019. "Moral Perceptions of Advised Actions," Management Science, INFORMS, vol. 65(8), pages 3904-3927, August.
    101. Mugerman, Yevgeny & Sade, Orly & Winter, Eyal, 2020. "Out-of-pocket vs. out-of-investment in financial advisory fees: Evidence from the lab," Journal of Economic Psychology, Elsevier, vol. 81(C).
    102. Zalewska, Anna (Ania) & Zhang, Yue, 2020. "Mutual funds' exits, financial crisis and Darwin," Journal of Corporate Finance, Elsevier, vol. 65(C).
    103. José María Liberti & Mitchell A. Petersen, 2018. "Information: Hard and Soft," NBER Working Papers 25075, National Bureau of Economic Research, Inc.
    104. Nowak, Carl Justus, 2019. "Der Einfluss digitaler Finanzberatung auf das Anlageverhalten von Privatinvestoren," Junior Management Science (JUMS), Junior Management Science e. V., vol. 4(4), pages 478-492.
    105. Salvatore Piccolo & Giovanni W. Puopolo & Luis Vasconcelos, 2016. "Non-Exclusive Financial Advice," Review of Finance, European Finance Association, vol. 20(6), pages 2079-2123.
    106. Tian, Geran & Wang, Xiaowen & Wu, Weixing, 2021. "Borrow low, lend high: Credit arbitrage by sophisticated investors," Pacific-Basin Finance Journal, Elsevier, vol. 67(C).
    107. Baeckström, Ylva & Marsh, Ian W. & Silvester, Joanne, 2021. "Financial advice and gender: Wealthy individual investors in the UK," Journal of Corporate Finance, Elsevier, vol. 71(C).
    108. Hermansson, Cecilia & Song, Han-Suck, 2016. "Financial advisory services meetings and their impact on saving behavior – A difference-in-difference analysis," Journal of Retailing and Consumer Services, Elsevier, vol. 30(C), pages 131-139.
    109. Cumming, Douglas & Johan, Sofia & Zhang, Yelin, 2019. "What is mutual fund flow?," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 62(C), pages 222-251.
    110. Andrew Grant & Oh Kang Kwon & Steve Satchell, 2024. "Properties of risk aversion estimated from portfolio weights," Journal of Asset Management, Palgrave Macmillan, vol. 25(5), pages 427-444, September.
    111. Aldunate, Felipe & Da, Zhi & Larrain, Borja & Sialm, Clemens, 2025. "Pension fund flows, exchange rates, and covered interest rate parity," Journal of Financial Economics, Elsevier, vol. 170(C).
    112. Nicole Jonker & Anneke Kosse, 2022. "The interplay of financial education, financial inclusion and financial stability and the role of Big Tech," Contemporary Economic Policy, Western Economic Association International, vol. 40(4), pages 612-635, October.
    113. Edelen, Roger M. & Fong, Kingsley Y.L. & Han, Jingyi, 2025. "Regulating inattention in fee-based financial advice," Journal of Financial Economics, Elsevier, vol. 164(C).
    114. Darren Pawski & Robert Powell & Anna Golab, 2022. "An Analysis of Whether Privately Owned Financial Planning Practices Are Transitioning to Fully Independent Advice Providers," JRFM, MDPI, vol. 15(8), pages 1-16, August.
    115. Reher, Michael & Sokolinski, Stanislav, 2024. "Robo advisors and access to wealth management," Journal of Financial Economics, Elsevier, vol. 155(C).
    116. Christopher P. Clifford & William C. Gerken, 2021. "Property Rights to Client Relationships and Financial Advisor Incentives," Journal of Finance, American Finance Association, vol. 76(5), pages 2409-2445, October.
    117. Samuli Knüpfer & Elias Rantapuska & Matti Sarvimäki, 2023. "Social Interaction in the Family: Evidence from Investors’ Security Holdings," Review of Finance, European Finance Association, vol. 27(4), pages 1297-1327.
    118. Leonardo Gambacorta & Luigi Guiso & Paolo Mistrulli & Andrea Pozzi & Anton Tsoy, 2017. "The Cost of Distorted Financial Advice - Evidence from the Mortgage Market," EIEF Working Papers Series 1713, Einaudi Institute for Economics and Finance (EIEF), revised Oct 2017.
    119. Steffen Westermann & Scott J. Niblock & Jennifer L. Harrison & Michael A. Kortt, 2020. "Financial Advice Seeking: A Review of the Barriers and Benefits," Economic Papers, The Economic Society of Australia, vol. 39(4), pages 367-388, December.
    120. Ioannis Petrakis & Georgios A. Panos, 2025. "Pension Policy and Personal Finance: Defined-Contribution Plans and Retirement Strategies in the United Kingdom," Working Papers 2025_06, Business School - Economics, University of Glasgow.
    121. Wang-Ly, Nathan & Bateman, Hazel & Dobrescu, Isabella & Newell, Ben R. & Thorp, Susan, 2022. "Defaults, disclosures, advice and calculators: One size does not fit all," Journal of Behavioral and Experimental Finance, Elsevier, vol. 35(C).
    122. Mark L. Egan & Shan Ge & Johnny Tang, 2020. "Conflicting Interests and the Effect of Fiduciary Duty — Evidence from Variable Annuities," NBER Working Papers 27577, National Bureau of Economic Research, Inc.
    123. Zhang, Annie C. & Fang, Jiali & Jacobsen, Ben & Marshall, Ben R., 2018. "Peer effects, personal characteristics and asset allocation," Journal of Banking & Finance, Elsevier, vol. 90(C), pages 76-95.
    124. Cruciani, Caterina & Gardenal, Gloria & Rigoni, Ugo, 2021. "Trust-formation processes in financial advisors: A structural equation model," The Quarterly Review of Economics and Finance, Elsevier, vol. 82(C), pages 185-199.

  7. Joanne W. Hsu & David A. Matsa & Brian T. Melzer, 2014. "Positive Externalities of Social Insurance: Unemployment Insurance and Consumer Credit," NBER Working Papers 20353, National Bureau of Economic Research, Inc.

    Cited by:

    1. George Overton & Barbara Castillo Rico, 2020. "Monetary Policy and Housing Loan Default," EconomiX Working Papers 2020-23, University of Paris Nanterre, EconomiX.
    2. Lisa J. Dettling & Joanne W. Hsu, 2017. "Minimum Wages and Consumer Credit : Impacts on Access to Credit and Traditional and High-Cost Borrowing," Finance and Economics Discussion Series 2017-010, Board of Governors of the Federal Reserve System (U.S.).
    3. Bednarzik, Robert W. & Kern, Andreas & Hisnanick, John J., 2017. "Displacement and Debt: The Role of Debt in Returning to Work in the Period Following the Great Recession," IZA Discussion Papers 10764, IZA Network @ LISER.
    4. Alexander C Tsai, 2015. "Home Foreclosure, Health, and Mental Health: A Systematic Review of Individual, Aggregate, and Contextual Associations," PLOS ONE, Public Library of Science, vol. 10(4), pages 1-21, April.
    5. Song Han & Benjamin J. Keys & Geng Li, 2015. "Information, Contract Design, and Unsecured Credit Supply: Evidence from Credit Card Mailings," Finance and Economics Discussion Series 2015-103, Board of Governors of the Federal Reserve System (U.S.).
    6. Kreiner, Claus Thustrup & Willerslev-Olsen, Louise, 2016. "Financial Trouble Across Generations: Evidence from The Universe of Personal Loans in Denmark," CEPR Discussion Papers 11292, C.E.P.R. Discussion Papers.
    7. Camelia M. Kuhnen & Brian T. Melzer, 2017. "Non-Cognitive Abilities and Financial Delinquency: The Role of Self-Efficacy in Avoiding Financial Distress," NBER Working Papers 23028, National Bureau of Economic Research, Inc.
    8. Du Caju, Philip & Rycx, François & Tojerow, Ilan, 2016. "Unemployment risk and over-indebtedness," Working Paper Series 1908, European Central Bank.
    9. Joanne Lee & Karen Needels & Walter Nicholson, "undated". "A Longitudinal Survey of Unemployment Insurance Recipients in Two Regions in California," Mathematica Policy Research Reports 982c8e2b780e479ea249e7b05, Mathematica Policy Research.
    10. Xu, Kun & Guan, Zhihua & Xu, Wenli, 2015. "省级财政支出效率空间溢出效应研究：基于超效率dea和gsm模型 [Study on Spatial Spillover Effect of Provincial Fiscal Efficiency: Based on Super-Efficient DEA and GSM Model]," MPRA Paper 71132, University Library of Munich, Germany.
    11. Vincent Yao & Tomasz Piskorski & Amit Seru & Benjamin Keys, 2015. "Mortgage Rates, Household Balance Sheets, and the Real Economy," 2015 Meeting Papers 705, Society for Economic Dynamics.
    12. Fedaseyeu, Viktar, 2020. "Debt collection agencies and the supply of consumer credit," Journal of Financial Economics, Elsevier, vol. 138(1), pages 193-221.
    13. Ellul, Andrew & WANG, Cong & Zhang, Kuo, 2016. "Labor Unemployment Risk and CEO Incentive Compensation," CEPR Discussion Papers 11634, C.E.P.R. Discussion Papers.
    14. J. Carter Braxton & Kyle F. Herkenhoff & Gordon M. Phillips, 2020. "Can the Unemployed Borrow? Implications for Public Insurance," NBER Working Papers 27026, National Bureau of Economic Research, Inc.
    15. Philip Du Caju & François Rycx & Ilan Tojerow, 2015. "Unemployment Risk and Over-indebtedness A Micro-econometric Perspective," Working Papers CEB 15-046, ULB -- Universite Libre de Bruxelles.
    16. Marco Di Maggio & Amir Kermani, 2016. "The Importance of Unemployment Insurance as an Automatic Stabilizer," NBER Working Papers 22625, National Bureau of Economic Research, Inc.
    17. Hong Ru & Antoinette Schoar, 2020. "Do credit card companies screen for behavioural biases?," BIS Working Papers 842, Bank for International Settlements.
    18. Schmid, Günther, 2020. "Beyond European unemployment insurance. Less moral hazard, more moral assurance?," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 26(4), pages 465-480.
    19. Shen, Yi, 2022. "Labor unemployment insurance and bank loans," Journal of Corporate Finance, Elsevier, vol. 76(C).
    20. Michael Irwin, 2023. "The Impact of Unemployment Insurance and Unsecured Credit on Business Cycles," Staff Working Papers 23-22, Bank of Canada.
    21. Günther Schmid, 2020. "Beyond European unemployment insurance. Less moral hazard, more moral assurance?," Transfer: European Review of Labour and Research, , vol. 26(4), pages 465-480, November.
    22. María Laura Alzúa & Guillermo Cruces & Carolina Lopez, 2015. "Youth Training Programs Beyond Employment. Experimental Evidence from Argentina," CEDLAS, Working Papers 0177, CEDLAS, Universidad Nacional de La Plata.
    23. Sumit Agarwal & Gene Amromin & Souphala Chomsisengphet & Tim Landvoigt & Tomasz Piskorski & Amit Seru & Vincent Yao, 2015. "Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program," NBER Working Papers 21512, National Bureau of Economic Research, Inc.

  8. Brian T. Melzer, 2013. "Spillovers From Costly Credit," Working Papers 13-11, Center for Economic Studies, U.S. Census Bureau.

    Cited by:

    1. Paul S. Calem & Chris Henderson & Jenna Wang, 2025. "Who Remains Unbanked in the United States and Why?," Working Papers 25-02, Federal Reserve Bank of Philadelphia.
    2. Victor Medina-Olivares & Raffaella Calabrese, 2023. "Detecting Consumers' Financial Vulnerability using Open Banking Data: Evidence from UK Payday Loans," Papers 2306.01749, arXiv.org.
    3. Megan Doherty Bea, 2024. "A Life Course Perspective of Community (Non)Investment: Historical Financial Service Trajectories and Community Outcomes," Journal of Family and Economic Issues, Springer, vol. 45(2), pages 288-307, June.
    4. Julia Fonseca, 2023. "Less Mainstream Credit, More Payday Borrowing? Evidence from Debt Collection Restrictions," Journal of Finance, American Finance Association, vol. 78(1), pages 63-103, February.
    5. Megan Doherty Bea, 2023. "Relational foundations of an unequal consumer credit market: Symbiotic ties between banks and payday lenders," Journal of Consumer Affairs, Wiley Blackwell, vol. 57(1), pages 320-345, January.
    6. Haliassos, Michael & Gomes, Francisco, 2020. "Household Finance," CEPR Discussion Papers 14502, C.E.P.R. Discussion Papers.
    7. Dasgupta, Kabir & Mason, Brenden J., 2020. "The effect of interest rate caps on bankruptcy: Synthetic control evidence from recent payday lending bans," Journal of Banking & Finance, Elsevier, vol. 119(C).
    8. Daniel Bjorkegren & Joshua Blumenstock & Omowunmi Folajimi-Senjobi & Jacqueline Mauro & Suraj R. Nair, 2022. "Instant Loans Can Lift Subjective Well-Being: A Randomized Evaluation of Digital Credit in Nigeria," Papers 2202.13540, arXiv.org.
    9. Leong, Kaiwen & Li, Huailu & Pavanini, Nicola & Walsh, Christoph, 2024. "The effects of policy interventions to limit illegal money lending," Journal of Financial Economics, Elsevier, vol. 159(C).
    10. Katharina Allinger & Elisabeth Beckmann, 2021. "Prevalence and determinants of nonbank borrowing in CESEE: evidence from the OeNB Euro Survey," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue Q1/21, pages 7-35.
    11. John Creamer & Lewis Warren, 2024. "Unbanked and impoverished? Exploring banking and poverty interactions over time," Journal of Consumer Affairs, Wiley Blackwell, vol. 58(2), pages 506-537, June.
    12. Fu, Shun & Li, Emma & Liao, Li & Wang, Zhengwei & Xiang, Hongyu, 2025. "Unveiling the villain: Credit supply and the debt trap," Journal of Empirical Finance, Elsevier, vol. 81(C).
    13. Megan Doherty Bea & K. Bley, 2022. "(Un)conditional consumer protections in high‐cost lending regulation: Impacts on local lending geographies," Journal of Consumer Affairs, Wiley Blackwell, vol. 56(4), pages 1561-1596, December.
    14. Christine L. Dobridge, 2016. "For Better and for Worse? Effects of Access to High-Cost Consumer Credit," Finance and Economics Discussion Series 2016-056, Board of Governors of the Federal Reserve System (U.S.).
    15. Lodermeier, Alison, 2024. "Credit access and housing insecurity: Evidence from winter utility shutoff protections," Journal of Public Economics, Elsevier, vol. 230(C).

  9. Brian T. Melzer & Donald P. Morgan, 2009. "Price-increasing competition: the curious case of overdraft versus deferred deposit credit," Staff Reports 391, Federal Reserve Bank of New York.

    Cited by:

    1. Jacint Balaguer & José Pernías, 2011. "Measuring the effect of local competition on prices in a context of spatial differentiation," Letters in Spatial and Resource Sciences, Springer, vol. 4(2), pages 109-116, July.
    2. Marc Fusaro & Richard Ericson, 2010. "The Welfare Economics of “Bounce Protection” Programs," Journal of Consumer Policy, Springer, vol. 33(1), pages 55-73, March.

Articles

  1. Juhani T. Linnainmaa & Brian T. Melzer & Alessandro Previtero, 2021. "The Misguided Beliefs of Financial Advisors," Journal of Finance, American Finance Association, vol. 76(2), pages 587-621, April.

    Cited by:

    1. Bjarne Florentsen & Ulf Nielsson & Peter Raahauge & Jesper Rangvid, 2022. "How Important is Affiliation Between Mutual Funds and Distributors for Fund Flows? [Is unbiased financial advice to retail investors sufficient? Answers from a large field study]," Review of Finance, European Finance Association, vol. 26(4), pages 971-1009.
    2. Maarten Meeuwis & Jonathan A. Parker & Antoinette Schoar & Duncan Simester, 2022. "Belief Disagreement and Portfolio Choice," Journal of Finance, American Finance Association, vol. 77(6), pages 3191-3247, December.
    3. Kamila Duraj & Daniela Grunow & Michael Haliassos & Christine Laudenbach & Stephan Siegel, 2025. "Rethinking the Stock Market Participation Puzzle: A Qualitative Approach," CESifo Working Paper Series 11980, CESifo.
    4. Sandro Ambuehl & Sebastian Blesse & Philipp Doerrenberg & Christoph Feldhaus & Axel Ockenfels, 2023. "Politicians' Social Welfare Criteria: An Experiment with German Legislators," CESifo Working Paper Series 10329, CESifo.
    5. Zhang, Yan & Wang, Xiaoyang & Zhang, Wenwen, 2025. "The impacts of clan culture on private investment: Financing substitution and human capital accumulation," Journal of Asian Economics, Elsevier, vol. 97(C).
    6. Brühl, Volker & Radetzky, Marie-Therèse & Stolper, Oscar, 2025. "Shaping the compass? How sustainability preference elicitation guides investor demand," CFS Working Paper Series 737, Center for Financial Studies (CFS).
    7. Philippe d'Astous & Irina Gemmo & Pierre-Carl Michaud, 2022. "The Quality of Financial Advice: What Influences Client Recommendations?," Cahiers de recherche / Working Papers 9, Institut sur la retraite et l'épargne / Retirement and Savings Institute.
    8. Brunen, Ann-Christine & Laubach, Oliver, 2022. "Do sustainable consumers prefer socially responsible investments? A study among the users of robo advisors," Journal of Banking & Finance, Elsevier, vol. 136(C).
    9. Edouard Ribes, 2023. "The need for data products in personal finance," Working Papers hal-04015599, HAL.
    10. Outlaw, Dominique, 2023. "Frenzied buyers and sophisticated sellers: How short sellers trade individual investors’ most purchased stocks," Journal of Behavioral and Experimental Finance, Elsevier, vol. 39(C).
    11. Babolmorad, N. & Bossaerts, P. & Massoud, N., 2025. "Viral but Vanishing: Investment Advisors, Social Media, and Regulation," Cambridge Working Papers in Economics 2576, Faculty of Economics, University of Cambridge.
    12. Grant Alexander Wilson & Jason Jogia, 2024. "Examining personal financial advisors’ knowledge, client recommendations, and personal investments in private real estate and real estate investment trusts (REITs)," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 729-744, September.
    13. deHaan, Ed & Li, Jiacui & Watts, Edward M., 2023. "Retail bond investors and credit ratings," Journal of Accounting and Economics, Elsevier, vol. 76(1).
    14. Nobuyuki Hanaki & Bolin Mao & Tiffany Tsz Kwan Tse & Wenxin Zhou, 2024. "Valuing Algorithms Over Experts: Evidence from a Stock Price Forecasting Experiment," ISER Discussion Paper 1268, Institute of Social and Economic Research, The University of Osaka.
    15. Mikhail Freer & Daniel Friedman & Simon Weidenholzer, 2023. "Motives for Delegating Financial Decisions," Papers 2309.03419, arXiv.org, revised Apr 2024.
    16. Duraj, Kamila & Grunow, Daniela & Chaliasos, Michael & Laudenbach, Christine & Siegel, Stephan, 2024. "Rethinking the stock market participation puzzle: A qualitative approach," SAFE Working Paper Series 441, Leibniz Institute for Financial Research SAFE.
    17. Kling, Luisa & König-Kersting, Christian & Trautmann, Stefan T., 2023. "Investment preferences and risk perception: Financial agents versus clients," Journal of Banking & Finance, Elsevier, vol. 154(C).
    18. Eriksen, Kristoffer W. & Fest, Sebastian & Kvaløy, Ola & Dijk, Oege, 2022. "Fair advice," Journal of Banking & Finance, Elsevier, vol. 143(C).
    19. Christian Fieberg & Lars Hornuf & Maximilian Meiler & David J. Streich, 2025. "Using Large Language Models for Financial Advice," CESifo Working Paper Series 11666, CESifo.
    20. Lu, Xiaomeng & Zhang, Xianjun & Guo, Jiaojiao & Yue, Pengpeng, 2024. "Digital finance era: Will individual investors become better players?," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 91(C).
    21. Hussain, Tanveer & Loureiro, Gilberto, 2023. "Target industry takeover competition and the wealth effects of mergers and acquisitions: International evidence," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 89(C).
    22. d’Astous, Philippe & Gemmo, Irina & Michaud, Pierre-Carl, 2024. "The quality of financial advice: What influences recommendations to clients?," Journal of Banking & Finance, Elsevier, vol. 169(C).
    23. Scherer, Bernd & Lehner, Sebastian, 2025. "What drives robo-advice?," Journal of Empirical Finance, Elsevier, vol. 80(C).
    24. Chen, Rui & Ren, Jinjuan, 2022. "Do AI-powered mutual funds perform better?," Finance Research Letters, Elsevier, vol. 47(PA).
    25. Zhang, Junsheng & Peng, Zezhi & Zeng, Yamin & Yang, Haisheng, 2023. "Do big data mutual funds outperform?," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 88(C).
    26. Jingrui Pan & Shancun Liu & Qiang Zhang & Yaodong Yang, 2025. "Discrete Information Acquisition in Financial Markets," Mathematics, MDPI, vol. 13(4), pages 1-34, February.
    27. Rossi, Alberto G. & Utkus, Stephen, 2024. "The diversification and welfare effects of robo-advising," Journal of Financial Economics, Elsevier, vol. 157(C).
    28. Inmaculada Aguiar-Díaz & José Ramón Zagalaz-Jiménez, 2025. "Gap profile between subjective and objective financial risk tolerance," Risk Management, Palgrave Macmillan, vol. 27(4), pages 1-26, December.
    29. Karakoç, Gülen & Pagnozzi, Marco & Piccolo, Salvatore & Puopolo, Giovanni Walter, 2024. "Information acquisition and financial advice," Economic Modelling, Elsevier, vol. 141(C).
    30. Andrew Grant & Oh Kang Kwon & Steve Satchell, 2024. "Properties of risk aversion estimated from portfolio weights," Journal of Asset Management, Palgrave Macmillan, vol. 25(5), pages 427-444, September.
    31. Nicole Jonker & Anneke Kosse, 2022. "The interplay of financial education, financial inclusion and financial stability and the role of Big Tech," Contemporary Economic Policy, Western Economic Association International, vol. 40(4), pages 612-635, October.
    32. Edelen, Roger M. & Fong, Kingsley Y.L. & Han, Jingyi, 2025. "Regulating inattention in fee-based financial advice," Journal of Financial Economics, Elsevier, vol. 164(C).
    33. Reher, Michael & Sokolinski, Stanislav, 2024. "Robo advisors and access to wealth management," Journal of Financial Economics, Elsevier, vol. 155(C).
    34. Meyer, Steffen & Uhr, Charline & Loos, Benjamin & Hackethal, Andreas, 2023. "Switching from commissions on mutual funds to flat-fees: How are advisory clients affected?," Journal of Economic Behavior & Organization, Elsevier, vol. 209(C), pages 423-449.
    35. Cruciani, Caterina & Gardenal, Gloria & Rigoni, Ugo, 2021. "Trust-formation processes in financial advisors: A structural equation model," The Quarterly Review of Economics and Finance, Elsevier, vol. 82(C), pages 185-199.

  2. Daniel Green & Brian T. Melzer & Jonathan A. Parker & Arcenis Rojas, 2020. "Accelerator or Brake? Cash for Clunkers, Household Liquidity, and Aggregate Demand," American Economic Journal: Economic Policy, American Economic Association, vol. 12(4), pages 178-211, November.
    See citations under working paper version above.
  3. Scott R. Baker & Lorenz Kueng & Leslie McGranahan & Brian T. Melzer, 2019. "Do Household Finances Constrain Unconventional Fiscal Policy?," Tax Policy and the Economy, University of Chicago Press, vol. 33(1), pages 1-32.
    See citations under working paper version above.
  4. Camelia M. Kuhnen & Brian T. Melzer, 2018. "Noncognitive Abilities and Financial Delinquency: The Role of Self‐Efficacy in Avoiding Financial Distress," Journal of Finance, American Finance Association, vol. 73(6), pages 2837-2869, December.
    See citations under working paper version above.
  5. Brian T Melzer, 2018. "Spillovers from Costly Credit," The Review of Financial Studies, Society for Financial Studies, vol. 31(9), pages 3568-3594.
    See citations under working paper version above.
  6. Joanne W. Hsu & David A. Matsa & Brian T. Melzer, 2018. "Unemployment Insurance as a Housing Market Stabilizer," American Economic Review, American Economic Association, vol. 108(1), pages 49-81, January.

    Cited by:

    1. Bernardus Ferdinandus Nazar Van Doornik & Dimas Mateus Fazio & David Schoenherr & Janis Skrastins, 2020. "Unemployment Insurance as a Subsidy to Risky Firms," Working Papers Series 523, Central Bank of Brazil, Research Department.
    2. Agarwal, Sumit & Ambrose, Brent W. & Diop, Moussa, 2022. "Minimum wage increases and eviction risk," Journal of Urban Economics, Elsevier, vol. 129(C).
    3. Aaronson, Daniel & Brave, Scott A. & Butters, R. Andrew & Fogarty, Michael & Sacks, Daniel W. & Seo, Boyoung, 2022. "Forecasting unemployment insurance claims in realtime with Google Trends," International Journal of Forecasting, Elsevier, vol. 38(2), pages 567-581.
    4. Lusher, Lester & Schnorr, Geoffrey C. & Taylor, Rebecca L.C., 2021. "Unemployment Insurance as a Worker Indiscipline Device? Evidence from Scanner Data," IZA Discussion Papers 14105, IZA Network @ LISER.
    5. Aaronson, Daniel & Agarwal, Sumit & Hotchkiss, Julie L. & Kelley, Taylor, 2019. "Job displacement and financial outcomes," Economics Letters, Elsevier, vol. 177(C), pages 18-21.
    6. Fos, Vyacheslav & Hamdi, Naser & Kalda, Ankit & Nickerson, Jordan, 2019. "Gig-Labor: Trading Safety Nets for Steering Wheels," CEPR Discussion Papers 13885, C.E.P.R. Discussion Papers.
    7. Hamdi, Naser & Kalda, Ankit & Sovich, David, 2025. "Between a rock and a hard place: The costs and benefits of expanded unemployment insurance benefits," Journal of Public Economics, Elsevier, vol. 242(C).
    8. Enrique Alberola & Yavuz Arslan & Gong Cheng & Richhild Moessner, 2021. "Fiscal response to the COVID‐19 crisis in advanced and emerging market economies†," Pacific Economic Review, Wiley Blackwell, vol. 26(4), pages 459-468, October.
    9. Asaf Bernstein, 2021. "Negative Home Equity and Household Labor Supply," Journal of Finance, American Finance Association, vol. 76(6), pages 2963-2995, December.
    10. Haydar Karadağ, 2021. "Türkiye Ekonomisinde Bankalar Tarafından Verilen Konut Kredileri, Konut Satışları ve İşsizlik Arasındaki İlişki (2010:Q1-2020:Q3)," Journal of Social Policy Conferences, Istanbul University, Faculty of Economics, vol. 0(80), pages 403-422, June.
    11. Kevin Bazer & Sílvio Rendon, 2021. "Individual and Local Effects of Unemployment on Mortgage Defaults," Working Papers 21-39, Federal Reserve Bank of Philadelphia.
    12. Andreas Fuster & Benedict Guttman-Kenney & Andrew F. Haughwout, 2018. "Tracking and stress-testing U.S. household leverage," Economic Policy Review, Federal Reserve Bank of New York, issue 24-1, pages 35-63.
    13. Hamid Noghanibehambari & Mahmoud Salari, 2020. "Health benefits of social insurance," Health Economics, John Wiley & Sons, Ltd., vol. 29(12), pages 1813-1822, December.
    14. Lonnie R. Snowden, 2023. "US states' racial bias correlates with less SNAP participation by “undeserving poor” adults and lower unemployment benefit maximums," Poverty & Public Policy, John Wiley & Sons, vol. 15(2), pages 133-149, June.
    15. Halford, Joseph T. & Hayes, Rachel M. & Sibilkov, Valeriy, 2024. "Personal bankruptcy costs, union bargaining power, and capital structure," Journal of Banking & Finance, Elsevier, vol. 168(C).
    16. Fang, Lu & Munneke, Henry J., 2021. "A spatial analysis of borrowers’ mortgage termination decision – A nonparametric approach," Regional Science and Urban Economics, Elsevier, vol. 86(C).
    17. Wang, Xiuhua & Wang, Yipeng & Zhao, Yaxiong, 2022. "Financial permeation and rural poverty reduction Nexus: Further insights from counties in China," China Economic Review, Elsevier, vol. 76(C).
    18. Mahmoudi, Samir Elsadek, 2023. "Late-career unemployment shocks, pension outcomes and unemployment insurance," Journal of Public Economics, Elsevier, vol. 218(C).
    19. Shang, Longfei & Saffar, Walid, 2023. "Employment Protection and Household Mortgage Debt," Journal of Banking & Finance, Elsevier, vol. 149(C).
    20. Keum, Daniel & Meier, Stephan, 2020. "License to Fire? Unemployment Insurance and the Moral Cost of Layoffs," IZA Discussion Papers 13497, IZA Network @ LISER.
    21. Piskorski, Tomasz & Seru, Amit, 2021. "Debt relief and slow recovery: A decade after Lehman," Journal of Financial Economics, Elsevier, vol. 141(3), pages 1036-1059.
    22. Tomasz Piskorski & Amit Seru, 2018. "Mortgage Market Design: Lessons from the Great Recession," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 49(1 (Spring), pages 429-513.
    23. Yavuz Arslan & Ahmet Degerli & Gazi Kabaş, 2019. "Unintended consequences of unemployment insurance benefits: the role of banks," BIS Working Papers 795, Bank for International Settlements.
    24. Rene Chalom & Benjamin Pugsley & Fatih Karahan & Kurt Mitman, 2019. "Liquidity Effects of Unemployment Insurance Benefit Extensions: Evidence from Consumer Credit Data," 2019 Meeting Papers 438, Society for Economic Dynamics.
    25. Gallagher, Emily A. & Gopalan, Radhakrishnan & Grinstein-Weiss, Michal, 2019. "The effect of health insurance on home payment delinquency: Evidence from ACA Marketplace subsidies," Journal of Public Economics, Elsevier, vol. 172(C), pages 67-83.
    26. Wei Fu & Chen Huang & Feng Liu, 2023. "Unemployment benefits, food insecurity, and supplemental nutrition assistance program spending," American Journal of Agricultural Economics, John Wiley & Sons, vol. 105(2), pages 479-502, March.
    27. Dayanand S. Manoli & Marios Michaelides & Ankur Patel, 2018. "Long-Term and Heterogeneous Effects of Job-Search Assistance," NBER Working Papers 24422, National Bureau of Economic Research, Inc.
    28. Gaillard, Alexandre & Kankanamge, Sumudu, 2021. "Entrepreneurship and Labor Market Mobility: the Role of Unemployment Insurance," TSE Working Papers 21-1187, Toulouse School of Economics (TSE).
    29. Parolin, Zachary & Pignatti, Clemente, 2024. "Optimal Unemployment Insurance with Program Interactions," IZA Discussion Papers 17095, IZA Network @ LISER.
    30. Pierce, Stephanie Casey & Brown, Julia K. & Moulton, Stephanie & Chun, Yung, 2025. "Labor outcomes of mortgage payment subsidies for unemployed homeowners," Journal of Housing Economics, Elsevier, vol. 67(C).
    31. Legal, Diego & Young, Eric R., 2024. "The effect of minimum wages on consumer bankruptcy," Journal of Economics and Business, Elsevier, vol. 129(C).
    32. Botsch, Matthew J. & Morris, Stephen D., 2021. "Job loss risk, expected mobility, and home ownership," Journal of Housing Economics, Elsevier, vol. 53(C).
    33. David A. Matsa, 2018. "Capital Structure and a Firm’s Workforce," NBER Working Papers 25125, National Bureau of Economic Research, Inc.
    34. Manasi Deshpande & Tal Gross & Yalun Su, 2019. "Disability and Distress: The Effect of Disability Programs on Financial Outcomes," NBER Working Papers 25642, National Bureau of Economic Research, Inc.
    35. Möhlmann, Axel & Vogel, Edgar, 2024. "Late payments on mortgage loans and unemployment: Evidence from a German household panel," Technical Papers 07/2024, Deutsche Bundesbank.
    36. Nathaniel Pattison, 2024. "Landlords as Lenders of Last Resort? Late Housing Payments During Unemployment," Departmental Working Papers 2401, Southern Methodist University, Department of Economics.
    37. Wei Dong & Geoffrey Dunbar & Christian Friedrich & Dmitry Matveev & Romanos Priftis & Lin Shao, 2021. "Complementarities Between Fiscal Policy and Monetary Policy—Literature Review," Discussion Papers 2021-4, Bank of Canada.
    38. Artavanis, Nikolaos & Spyridopoulos, Ioannis, 2023. "Determinants of strategic behavior: Evidence from a foreclosure moratorium," Journal of Financial Intermediation, Elsevier, vol. 56(C).
    39. Benjamin Collier & Daniel Hartley & Benjamin J. Keys & Jing Xian Ng, 2024. "Credit When You Need It," Working Paper Series WP 2024-16, Federal Reserve Bank of Chicago.
    40. Neil Bhutta & Jesse Bricker & Lisa J. Dettling & Jimmy Kelliher & Steven Laufer, 2019. "Stress Testing Household Debt," Finance and Economics Discussion Series 2019-008, Board of Governors of the Federal Reserve System (U.S.).
    41. Genesove, David & Hoffmann, Eran & Elster, Yael, 2020. "Agreements Must Be Kept? Residential Leases during Covid-19," CEPR Discussion Papers 15102, C.E.P.R. Discussion Papers.
    42. Brian Beach & John Lopresti, 2019. "Losing By Less? Import Competition, Unemployment Insurance Generosity, And Crime," Economic Inquiry, Western Economic Association International, vol. 57(2), pages 1163-1181, April.
    43. Jakučionytė, Eglė & Singh, Swapnil, 2022. "Bowling alone, buying alone: The decline of co-borrowers in the US mortgage market," Journal of Housing Economics, Elsevier, vol. 58(PB).
    44. Pagano, Marco & Picariello, Luca, 2018. "Talent discovery, layoff risk and unemployment insurance," CFS Working Paper Series 603, Center for Financial Studies (CFS).
    45. Krishna Regmi, 2019. "Examining The Externality Of Unemployment Insurance On Children'S Educational Achievement," Economic Inquiry, Western Economic Association International, vol. 57(1), pages 172-187, January.
    46. John Y. Campbell & Nuno Clara & João F. Cocco, 2021. "Structuring Mortgages for Macroeconomic Stability," Journal of Finance, American Finance Association, vol. 76(5), pages 2525-2576, October.
    47. Elira Kuka, 2020. "Quantifying the Benefits of Social Insurance: Unemployment Insurance and Health," The Review of Economics and Statistics, MIT Press, vol. 102(3), pages 490-505, July.
    48. Acton, Riley & Khafaji-King, Jo Al & Smith, Austin C., 2023. "Suspended from Work and School? Impacts of Layoff Events and Unemployment Insurance on Student Disciplinary Incidence," IZA Discussion Papers 16423, IZA Network @ LISER.
    49. Eglė Jakučionytė & Swapnil Singh, 2023. "Emergence of subprime lending in minority neighborhoods," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 51(6), pages 1547-1583, November.
    50. Edwards Kathryn Anne, 2020. "Who helps the unemployed? Workers’ receipt of public and private transfers," IZA Journal of Labor Economics, Sciendo & Forschungsinstitut zur Zukunft der Arbeit GmbH (IZA), vol. 9(1), pages 1-26, March.
    51. Michelle M. Miller, 2022. "The impact of paid sick leave laws on consumer and business bankruptcies," Journal of Empirical Legal Studies, John Wiley & Sons, vol. 19(4), pages 844-896, December.
    52. Zhu, Yaqun & Kong, Jun, 2025. "Homeownership and public sector employment: Evidence from the removal of home purchase restrictions in China," Journal of Housing Economics, Elsevier, vol. 67(C).
    53. Möhlmann, Axel & Vogel, Edgar, 2025. "When unemployment hits mortgage loans," VfS Annual Conference 2025 (Cologne): Revival of Industrial Policy 325418, Verein für Socialpolitik / German Economic Association.
    54. Brown, Jennifer & Matsa, David A., 2020. "Locked in by leverage: Job search during the housing crisis," Journal of Financial Economics, Elsevier, vol. 136(3), pages 623-648.
    55. Michael Irwin, 2023. "The Impact of Unemployment Insurance and Unsecured Credit on Business Cycles," Staff Working Papers 23-22, Bank of Canada.
    56. Asfaw, Abraham Abebe, 2021. "The effect of income support programs on job search, workplace mobility and COVID-19: International evidence," Economics & Human Biology, Elsevier, vol. 41(C).
    57. Fos, Vyacheslav & Hamdi, Naser & Kalda, Ankit & Nickerson, Jordan, 2025. "Gig labor: Trading safety nets for steering wheels," Journal of Financial Economics, Elsevier, vol. 163(C).
    58. Dodini, Samuel & Larrimore, Jeff & Tranfaglia, Anna, 2024. "Financial repercussions of SNAP work requirements," Journal of Public Economics, Elsevier, vol. 229(C).
    59. Stuart A. Gabriel & Matteo Iacoviello & Chandler Lutz, 2020. "A Crisis of Missed Opportunities? Foreclosure Costs and Mortgage Modification During the Great Recession," Finance and Economics Discussion Series 2020-053, Board of Governors of the Federal Reserve System (U.S.).
    60. Antonio M. Bento & Noah Miller & Mehreen Mookerjee & Edson Severnini, 2023. "Incidental Adaptation: The Role of Non-climate Regulations," Environmental & Resource Economics, Springer;European Association of Environmental and Resource Economists, vol. 86(3), pages 305-343, November.
    61. Stephanie Moulton & Yung Chun & Stephanie Casey Pierce & Roberto Quercia & Sarah Riley & Holly Holtzen, 2022. "Does Temporary Mortgage Assistance for Unemployed Homeowners Reduce Longer‐Term Mortgage Default? An Analysis of the Hardest Hit Fund Program," Journal of Policy Analysis and Management, John Wiley & Sons, Ltd., vol. 41(2), pages 515-551, March.
    62. Regmi, Krishna, 2020. "The effect of the minimum wage on children’s cognitive achievement," Labour Economics, Elsevier, vol. 65(C).
    63. Alari Paulus & Iva Valentinova Tasseva, 2020. "Europe Through the Crisis: Discretionary Policy Changes and Automatic Stabilizers," Oxford Bulletin of Economics and Statistics, Department of Economics, University of Oxford, vol. 82(4), pages 864-888, August.

  7. Brian T. Melzer, 2017. "Mortgage Debt Overhang: Reduced Investment by Homeowners at Risk of Default," Journal of Finance, American Finance Association, vol. 72(2), pages 575-612, April.

    Cited by:

    1. Wanja Wangondu & Stephen M.A. Muathe, 2023. "Seed Capital and Performance: Reflections and Way Forward for Micro, Small and Medium Enterprises in Kenya," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 7(5), pages 275-283, May.
    2. Kleiner, Kristoph & Stoffman, Noah & Yonker, Scott E., 2021. "Friends with bankruptcy protection benefits," Journal of Financial Economics, Elsevier, vol. 139(2), pages 578-605.
    3. Stephen G. Dimmock & William C. Gerken & Tyson Van Alfen, 2021. "Real Estate Shocks and Financial Advisor Misconduct," Journal of Finance, American Finance Association, vol. 76(6), pages 3309-3346, December.
    4. Terry O'Malley, 2021. "The Impact of Repossession Risk on Mortgage Default," Journal of Finance, American Finance Association, vol. 76(2), pages 623-650, April.
    5. Gene Amromin & Jennifer Huang & Clemens Sialm & Edward Zhong, 2018. "Complex Mortgages [Why don’t lenders renegotiate more home mortgages? Redefaults, self-cures, and securitization]," Review of Finance, European Finance Association, vol. 22(6), pages 1975-2007.
    6. Gyöngyösi, Győző & Rariga, Judit & Verner, Emil, 2022. "The anatomy of consumption in a household foreign currency debt crisis," Working Paper Series 2733, European Central Bank.
    7. John P. Harding & Jing Li & Stuart S. Rosenthal & Xirui Zhang, 2022. "Forced moves and home maintenance: The amplifying effects of mortgage payment burden on underwater homeowners," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 50(2), pages 498-533, June.
    8. Xun Bian & Zhenguo Lin & Feifei Zhu, 2024. "Housing leverage, home value, and retirement," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 52(4), pages 1103-1139, July.
    9. Andreas Fuster & Benedict Guttman-Kenney & Andrew F. Haughwout, 2018. "Tracking and stress-testing U.S. household leverage," Economic Policy Review, Federal Reserve Bank of New York, issue 24-1, pages 35-63.
    10. Ana Isabel Sá, 2020. "To change or not to change: the impact of the law on mortgage origination," Working Papers w202019, Banco de Portugal, Economics and Research Department.
    11. Yalan Feng & Taewon Kim & Daniel C Lee, 2018. "Housing Price and Population Changes: Growing vs Shrinking Cities," Accounting and Finance Research, Sciedu Press, vol. 7(4), pages 1-59, November.
    12. Michael Junho Lee & Daniel Neuhann, 2019. "A Dynamic Theory of Collateral Quality and Long-Term Interventions," Staff Reports 894, Federal Reserve Bank of New York.
    13. Erik P. Gilje & Elena Loutskina & Daniel Murphy, 2020. "Drilling and Debt," Journal of Finance, American Finance Association, vol. 75(3), pages 1287-1325, June.
    14. Sá, Ana Isabel, 2023. "Recourse restrictions and judicial foreclosures: Effects of mortgage law on loan price and collateralization," International Review of Law and Economics, Elsevier, vol. 75(C).
    15. Piskorski, Tomasz & Seru, Amit, 2021. "Debt relief and slow recovery: A decade after Lehman," Journal of Financial Economics, Elsevier, vol. 141(3), pages 1036-1059.
    16. Tomasz Piskorski & Amit Seru, 2018. "Mortgage Market Design: Lessons from the Great Recession," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 49(1 (Spring), pages 429-513.
    17. Hadiye Aslan, 2022. "Personal Financial Distress, Limited Attention," Journal of Accounting Research, John Wiley & Sons, Ltd., vol. 60(1), pages 97-128, March.
    18. Marco Di Maggio & Ankit Kalda & Vincent Yao, 2019. "Second Chance: Life without Student Debt," NBER Working Papers 25810, National Bureau of Economic Research, Inc.
    19. Seltzer, Lee, 2024. "Effects of financing constraints on maintenance investments in rent-stabilized apartments," Journal of Financial Intermediation, Elsevier, vol. 59(C).
    20. Aaronson, Daniel & Faber, Jacob & Hartley, Daniel & Mazumder, Bhashkar & Sharkey, Patrick, 2021. "The long-run effects of the 1930s HOLC “redlining” maps on place-based measures of economic opportunity and socioeconomic success," Regional Science and Urban Economics, Elsevier, vol. 86(C).
    21. Mr. Gaston Gelos & Mr. Tommaso Mancini-Griffoli & Mr. Machiko Narita & Federico Grinberg & Umang Rawat & Shujaat Khan, 2019. "Has Higher Household Indebtedness Weakened Monetary Policy Transmission?," IMF Working Papers 2019/011, International Monetary Fund.
    22. Liao, Yanjun (Penny) & Mulder, Philip, 2021. "What’s at Stake? Understanding the Role of Home Equity in Flood Insurance Demand," RFF Working Paper Series 21-25, Resources for the Future.
    23. J. Anthony Cookson & Erik P. Gilje & Rawley Z. Heimer, 2020. "Shale Shocked: Cash Windfalls and Household Debt Repayment," NBER Working Papers 27782, National Bureau of Economic Research, Inc.
    24. Thomas Crossley & Peter Levell & Hamish Low, 2020. "House Price Rises and Borrowing to Invest," IFS Working Papers W20/2, Institute for Fiscal Studies.
    25. Nadia Karamcheva & Jeffrey Perry & Constantine Yannelis, 2020. "Income-Driven Repayment Plans for Student Loans: Working Paper 2020-02," Working Papers 56337, Congressional Budget Office.
    26. Huub Ploegmakers & Pascal Beckers & Erwin Van der Krabben, 2018. "The impact of planning intervention on business development: Evidence from the Netherlands," Urban Studies, Urban Studies Journal Limited, vol. 55(14), pages 3252-3273, November.
    27. Alin Marius Andries & Anca Copaciu & Radu Popa & Razvan Vlahu, 2021. "Recourse and (strategic) mortgage defaults: Evidence from changes in housing market laws," Working Papers 727, DNB.
    28. Sumit Agarwal & Slava Mikhed & Barry Scholnick & Man Zhang, 2022. "Reducing Strategic Default in a Financial Crisis," Working Papers 21-36, Federal Reserve Bank of Philadelphia.
    29. J Anthony Cookson & Emily Gallagher & Philip Mulder, 2025. "Coverage Neglect in Homeowner's Insurance," Working Papers 25-09, Federal Reserve Bank of Philadelphia.
    30. Reite, Endre J., 2023. "Mortgage lending valuation bias under housing price changes and loan-to-value regulations," Finance Research Letters, Elsevier, vol. 58(PC).
    31. Sami Alpanda & Sarah Zubairy, 2019. "Household Debt Overhang and Transmission of Monetary Policy," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 51(5), pages 1265-1307, August.
    32. Manso, Gustavo & Rivera, Alejandro & Wang, Hui (Grace) & Xia, Han, 2025. "Household debt overhang and human capital investment," Journal of Financial Economics, Elsevier, vol. 172(C).
    33. Blickle, Kristian & Santos, João A.C., 2024. "The costs of corporate debt overhang," Journal of Financial Intermediation, Elsevier, vol. 60(C).
    34. Cheol Eun & Lingling Wang & Tim Zhang, 2022. "House Price Growth Synchronization and Business Cycle Alignment," The Journal of Real Estate Finance and Economics, Springer, vol. 65(4), pages 675-710, November.
    35. Guthrie, Graeme, 2024. "Farm debt and the over-exploitation of natural capital," Resource and Energy Economics, Elsevier, vol. 77(C).
    36. Kuong, John Chi-Fong & Zeng, Jing, 2021. "Securitization and optimal foreclosure," Journal of Financial Intermediation, Elsevier, vol. 48(C).
    37. Bian, Xun, 2017. "Housing equity dynamics and home improvements," Journal of Housing Economics, Elsevier, vol. 37(C), pages 29-41.
    38. Philip Mulder & Yanjun Liao, 2024. "What’s at Stake? Understanding the Role of Home Equity in Flood Insurance Demand," Working Papers 24-06, Office of Financial Research, US Department of the Treasury.
    39. Lyons, Paul & Nevin, Ciarán & Shaw, Frances, 2019. "Real-estate concentration in the Irish banking system," Financial Stability Notes 4/FS/19, Central Bank of Ireland.
    40. Thomas P. Boehm & Alan M. Schlottmann, 2020. "Achieving Effective Mortgage Modifications: The Importance of Household Characteristics," The Journal of Real Estate Finance and Economics, Springer, vol. 61(2), pages 151-182, August.
    41. Ricardo Correa & Jack Liebersohn & Martin Sicilian, 2022. "Debt Overhang and the Retail Apocalypse," International Finance Discussion Papers 1356, Board of Governors of the Federal Reserve System (U.S.).

  8. Stephen Foerster & Juhani T. Linnainmaa & Brian T. Melzer & Alessandro Previtero, 2017. "Retail Financial Advice: Does One Size Fit All?," Journal of Finance, American Finance Association, vol. 72(4), pages 1441-1482, August.
    See citations under working paper version above.
  9. Melzer, Brian T. & Morgan, Donald P., 2015. "Competition in a consumer loan market: Payday loans and overdraft credit," Journal of Financial Intermediation, Elsevier, vol. 24(1), pages 25-44.

    Cited by:

    1. Robert M. Adams, 2017. "Bank Fees, Aftermarkets, and Consumer Behavior," Finance and Economics Discussion Series 2017-054, Board of Governors of the Federal Reserve System (U.S.).
    2. Jennifer L. Dlugosz & Brian T. Melzer & Donald P. Morgan, 2021. "Who Pays the Price? Overdraft Fee Ceilings and the Unbanked," Staff Reports 973, Federal Reserve Bank of New York.
    3. Louis-Gaëtan Giraudet & Anna Petronevich & Laurent Faucheux, 2021. "Differentiated green loans," Post-Print hal-01890636, HAL.
    4. Yang Sun, 2021. "Index Fund Entry and Financial Product Market Competition," Management Science, INFORMS, vol. 67(1), pages 500-523, January.
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Chapters

  1. Scott R. Baker & Lorenz Kueng & Leslie McGranahan & Brian T. Melzer, 2018. "Do Household Finances Constrain Unconventional Fiscal Policy?," NBER Chapters, in: Tax Policy and the Economy, Volume 33, National Bureau of Economic Research, Inc.
    See citations under working paper version above.Sorry, no citations of chapters recorded.
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