The Effects of Usury Laws: Evidence from the Online Loan Market
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- Oren Rigbi, 2013. "The Effects of Usury Laws: Evidence from the Online Loan Market," The Review of Economics and Statistics, MIT Press, vol. 95(4), pages 1238-1248, October.
References listed on IDEAS
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As found by EconAcademics.org, the blog aggregator for Economics research:- Hold the Check: Overdrafts, Fee Caps, and Financial Inclusion
by Blog Author in Liberty Street Economics on 2021-06-30 11:02:00
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Cited by:
- Dongyu Chen & Xiaolin Li & Fujun Lai, 2017. "Gender discrimination in online peer-to-peer credit lending: evidence from a lending platform in China," Electronic Commerce Research, Springer, vol. 17(4), pages 553-583, December.
- J. Brandon Bolen & Gregory Elliehausen & Thomas W. Miller, 2023. "Credit for me but not for thee: the effects of the Illinois rate cap," Public Choice, Springer, vol. 197(3), pages 397-420, December.
- Rajkamal Iyer & Asim Ijaz Khwaja & Erzo F. P. Luttmer & Kelly Shue, 2016.
"Screening Peers Softly: Inferring the Quality of Small Borrowers,"
Management Science, INFORMS, vol. 62(6), pages 1554-1577, June.
- Rajkamal Iyer & Asim Ijaz Khwaja & Erzo F.P. Luttmer & Kelly Shue, 2009. "Screening Peers Softly: Inferring the Quality of Small Borrowers," NBER Working Papers 15242, National Bureau of Economic Research, Inc.
- Asim Khwaja & Rajkamal Iyer & Erzo Luttmer & Kelly Shue, 2013. "Screening Peers Softly: Inferring the Quality of Small Borrowers," CID Working Papers 259, Center for International Development at Harvard University.
- Iyer, Rajkamal & Khwaja, Asim Ijaz & Luttmer, Erzo F. P. & Shue, Kelly, 2013. "Screening Peers Softly: Inferring the Quality of Small Borrowers," Working Paper Series rwp13-017, Harvard University, John F. Kennedy School of Government.
- Lukongo, Onyumbe Enumbe & Miller, Thomas, 2017. "Adverse Consequences of the Binding Constitutional Interest Rate Cap in the State of Arkansas," Working Papers 07446, George Mason University, Mercatus Center.
- 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).
- Kabir Dasgupta & Brenden J. Mason, 2019. "The Effect of Interest Rate Caps on Bankruptcy: Synthetic Control Evidence from Recent Payday Lending Bans," Working Papers 2019-04, Auckland University of Technology, Department of Economics.
- 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.
- Laura Marcela Capera Romero, 2021. "The Effects of Usury Ceilings on Consumers Welfare: Evidence from the Microcredit Market in Colombia," Tinbergen Institute Discussion Papers 21-055/IV, Tinbergen Institute.
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- Juan Sebastian Cubillos-Rocha & Luis Fernando Melo-Velandia & María José Roa-García & Juliana Gamboa-Arbeláez & Sara Restrepo-Tamayo & Mauricio Villamizar-Villegas, 2018. "Effects of Interest Rate Caps on Financial Inclusion," Borradores de Economia 1060, Banco de la Republica de Colombia.
- JJ. Cao-Alvira & LG Deidda, 2013. "Financial liberalization and the development of microcredit," Working Paper CRENoS 201324, Centre for North South Economic Research, University of Cagliari and Sassari, Sardinia.
- Capera Romero, Laura, 2020. "Essays on competition, regulation and innovation in the banking industry," Other publications TiSEM 5185bee5-c023-4219-90db-0, Tilburg University, School of Economics and Management.
- Tristan Caballero-Montes, 2023. "Integrating market conditions into regulatory decisions on microfinance interest rates: does competition matter?," Annals of Finance, Springer, vol. 19(2), pages 201-232, June.
- Freedman, Seth & Jin, Ginger Zhe, 2017.
"The information value of online social networks: Lessons from peer-to-peer lending,"
International Journal of Industrial Organization, Elsevier, vol. 51(C), pages 185-222.
- Seth Freedman & Ginger Zhe Jin, 2014. "The Information Value of Online Social Networks: Lessons from Peer-to-Peer Lending," NBER Working Papers 19820, National Bureau of Economic Research, Inc.
- Alexander W. Butler & Jess Cornaggia & Umit G. Gurun, 2017. "Do Local Capital Market Conditions Affect Consumers’ Borrowing Decisions?," Management Science, INFORMS, vol. 63(12), pages 4175-4187, December.
- Avi Goldfarb & Shane M. Greenstein & Catherine E. Tucker, 2015. "Introduction to "Economic Analysis of the Digital Economy"," NBER Chapters, in: Economic Analysis of the Digital Economy, pages 1-17, National Bureau of Economic Research, Inc.
- Madeira, Carlos, 2019.
"The impact of interest rate ceilings on households’ credit access: Evidence from a 2013 Chilean legislation,"
Journal of Banking & Finance, Elsevier, vol. 106(C), pages 166-179.
- Carlos Madeira, 2019. "The impact of interest rate ceilings on households’ credit access: evidence from a 2013 Chilean legislation," Working Papers Central Bank of Chile 840, Central Bank of Chile.
- Zaiyan Wei & Mingfeng Lin, 2017. "Market Mechanisms in Online Peer-to-Peer Lending," Management Science, INFORMS, vol. 63(12), pages 4236-4257, December.
- Danisewicz, Piotr & Elard, Ilaf, 2023. "The real effects of financial technology: Marketplace lending and personal bankruptcy," Journal of Banking & Finance, Elsevier, vol. 155(C).
- Yinghui Chen & Xiaolin Gong & Chien-Chi Chu & Yang Cao, 2018. "Access to the Internet and Access to Finance: Theory and Evidence," Sustainability, MDPI, vol. 10(7), pages 1-38, July.
- Yingxiu Zhao & Wei Zhang & Xiangyu Kong, 2019. "Dynamic Cross-Correlations between Participants’ Attentions to P2P Lending and Offline Loan in the Private Lending Market," Complexity, Hindawi, vol. 2019, pages 1-8, December.
- Onyumbe Enumbe Ben Lukongo & Thomas W. Miller, 2022. "The cost of rate caps: Evidence from Arkansas," Journal of Financial Research, Southern Finance Association;Southwestern Finance Association, vol. 45(4), pages 881-909, December.
- Jiaying Deng & Hossein Ghasemkhani & Yong Tan & Arvind K Tripathi, 2023. "Actions speak louder than words: Imputing users’ reputation from transaction history," Production and Operations Management, Production and Operations Management Society, vol. 32(4), pages 1096-1111, April.
- Seth M. Freedman & Ginger Zhe Jin, 2011. "Learning by Doing with Asymmetric Information: Evidence from Prosper.com," NBER Working Papers 16855, National Bureau of Economic Research, Inc.
- María José Roa & Alejandra Villegas & Ignacio Garrón, 2020. "Effects of interest rate caps on microcredit: evidence from a natural experiment in Bolivia," Development Research Working Paper Series 03/2020, Institute for Advanced Development Studies.
- Miller, Sarah, 2015. "Information and default in consumer credit markets: Evidence from a natural experiment," Journal of Financial Intermediation, Elsevier, vol. 24(1), pages 45-70.
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More about this item
Keywords
Person-to-Person Lending; Consumer Credit; Usury Laws; Financial Market Regulation;All these keywords.
JEL classification:
- G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
- G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
- L81 - Industrial Organization - - Industry Studies: Services - - - Retail and Wholesale Trade; e-Commerce
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