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The Real Costs of Credit Access: Evidence from the Payday Lending Market

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Cited by:

  1. Xu, Yilan & Briley, Daniel A. & Brown, Jeffrey R. & Roberts, Brent W., 2017. "Genetic and environmental influences on household financial distress," Journal of Economic Behavior & Organization, Elsevier, vol. 142(C), pages 404-424.
  2. Suri, Tavneet & Bharadwaj, Prashant & Jack, William, 2021. "Fintech and household resilience to shocks: Evidence from digital loans in Kenya," Journal of Development Economics, Elsevier, vol. 153(C).
  3. Campbell, Dennis & Asís Martínez-Jerez, F. & Tufano, Peter, 2012. "Bouncing out of the banking system: An empirical analysis of involuntary bank account closures," Journal of Banking & Finance, Elsevier, vol. 36(4), pages 1224-1235.
  4. John Y. Campbell & Howell E. Jackson & Brigitte C. Madrian & Peter Tufano, 2011. "Consumer Financial Protection," Journal of Economic Perspectives, American Economic Association, vol. 25(1), pages 91-114, Winter.
  5. 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.
  6. Mary Zaki, 2016. "Access to Short-term Credit and Consumption Smoothing within the Paycycle," Working Papers 2016.07, Fondazione Eni Enrico Mattei.
  7. Kyle F Herkenhoff, 2019. "The Impact of Consumer Credit Access on Unemployment," Review of Economic Studies, Oxford University Press, vol. 86(6), pages 2605-2642.
  8. Eoin McLaughlin & Rowena Pecchenino, 2022. "Fringe banking and financialization: Pawnbroking in pre‐famine and famine Ireland," Economic History Review, Economic History Society, vol. 75(3), pages 903-931, August.
  9. Agarwal, Sumit & Ambrose, Brent W. & Diop, Moussa, 2022. "Minimum wage increases and eviction risk," Journal of Urban Economics, Elsevier, vol. 129(C).
  10. John Y. Campbell, 2016. "Restoring Rational Choice: The Challenge of Consumer Financial Regulation," American Economic Review, American Economic Association, vol. 106(5), pages 1-30, May.
  11. Brown, James R. & Cookson, J. Anthony & Heimer, Rawley Z., 2019. "Growing up without finance," Journal of Financial Economics, Elsevier, vol. 134(3), pages 591-616.
  12. Brian T Melzer, 2018. "Spillovers from Costly Credit," Review of Financial Studies, Society for Financial Studies, vol. 31(9), pages 3568-3594.
  13. Burke, Matt & Fry, John, 2019. "How easy is it to understand consumer finance?," Economics Letters, Elsevier, vol. 177(C), pages 1-4.
  14. Maggie R. Jones, 2016. "A Loan by any Other Name: How State Policies Changed Advanced Tax Refund Payments," CARRA Working Papers 2016-04, Center for Economic Studies, U.S. Census Bureau.
  15. Christine L. Dobridge, 2018. "High‐Cost Credit and Consumption Smoothing," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 50(2-3), pages 407-433, March.
  16. Viktar Fedaseyeu, 2012. "Debt Collection Agencies and the Supply of Consumer Credit," Working Papers 442, IGIER (Innocenzo Gasparini Institute for Economic Research), Bocconi University.
  17. Will Dobbie & Andres Liberman & Daniel Paravisini & Vikram Pathania, 2021. "Measuring Bias in Consumer Lending [Loan Prospecting and the Loss of Soft Information]," Review of Economic Studies, Oxford University Press, vol. 88(6), pages 2799-2832.
  18. Akey, Pat & Heimer, Rawley Z. & Lewellen, Stefan, 2021. "Politicizing consumer credit," Journal of Financial Economics, Elsevier, vol. 139(2), pages 627-655.
  19. Cliff A. Robb & Patryk Babiarz & Ann Woodyard & Martin C. Seay, 2015. "Bounded Rationality and Use of Alternative Financial Services," Journal of Consumer Affairs, Wiley Blackwell, vol. 49(2), pages 407-435, July.
  20. Wang, Jialan & Burke, Kathleen, 2022. "The effects of disclosure and enforcement on payday lending in Texas," Journal of Financial Economics, Elsevier, vol. 145(2), pages 489-507.
  21. Burlando, Alfredo & Kuhnk, Michael A. & Prina, Silvia, 2023. "Too Fast, Too Furious? Digital Credit Delivery Speed and Repayment Rates," IZA Discussion Papers 16451, Institute of Labor Economics (IZA).
  22. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2014. "Predatory lending and the subprime crisis," Journal of Financial Economics, Elsevier, vol. 113(1), pages 29-52.
  23. Jakub Grossmann & Stepan Jurajda, 2023. "Voting under Debtor Distress," CERGE-EI Working Papers wp744, The Center for Economic Research and Graduate Education - Economics Institute, Prague.
  24. Maggie R. Jones, 2017. "Tax Preparers, Refund Anticipation Products, and EITC Noncompliance," CARRA Working Papers 2017-10, Center for Economic Studies, U.S. Census Bureau.
  25. Eesha Sharma & Stephanie Tully & Xiang Wang, 2022. "Scarcity and Intertemporal Choice," Working Papers 22-27, Federal Reserve Bank of Philadelphia.
  26. Saengchote, Kanis & Tirapat, Sunti, 2017. "What happens when we forget? The effect of removing adverse information on access to credit," Economics Letters, Elsevier, vol. 151(C), pages 96-99.
  27. Anne Fitzpatrick & Katie Fitzpatrick, 2021. "Health insurance transitions and use of fringe banks: Evidence from the Affordable Care Act," Contemporary Economic Policy, Western Economic Association International, vol. 39(3), pages 557-572, July.
  28. Marion Fourcade & Kieran Healy, 2013. "Classification situations: Life-chances in the neoliberal era," Post-Print hal-03470535, HAL.
  29. Bernardus Van Doornik & Armando Gomes & David Schoenherr & Janis Skrastins, 2021. "Financial Access and Labor Market Outcomes: evidence from credit lotteries," Working Papers Series 547, Central Bank of Brazil, Research Department.
  30. Doris Neuberger & Udo Reifner, 2020. "Systemic Usury and the European Consumer Credit Directive," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, vol. 89(1), pages 115-132.
  31. Robert DeYoung & Ronnie J. Phillips, 2013. "Interest rate caps and implicit collusion: the case of payday lending," International Journal of Banking, Accounting and Finance, Inderscience Enterprises Ltd, vol. 5(1/2), pages 121-158.
  32. Sane Renuka & Thomas Susan, 2016. "The Real Cost of Credit Constraints: Evidence from Micro-finance," The B.E. Journal of Economic Analysis & Policy, De Gruyter, vol. 16(1), pages 151-183, January.
  33. Olivier Coibion & Yuriy Gorodnichenko & Marianna Kudlyak & John Mondragon, 0. "Greater Inequality and Household Borrowing: New Evidence from Household Data," Journal of the European Economic Association, European Economic Association, vol. 18(6), pages 2922-2971.
  34. Richard W. Evans, 2012. "Determinants of Short-term Consumer Lending Interest Rates," BYU Macroeconomics and Computational Laboratory Working Paper Series 2012-07, Brigham Young University, Department of Economics, BYU Macroeconomics and Computational Laboratory.
  35. Thomas A. Hemphill, 0. "The small-dollar loan industry: a new era of regulatory reform—and emerging competition?," Business Economics, Palgrave Macmillan;National Association for Business Economics, vol. 0, pages 1-11.
  36. French, Declan & Vigne, Samuel, 2019. "The causes and consequences of household financial strain: A systematic review," International Review of Financial Analysis, Elsevier, vol. 62(C), pages 150-156.
  37. Fedaseyeu, Viktar, 2020. "Debt collection agencies and the supply of consumer credit," Journal of Financial Economics, Elsevier, vol. 138(1), pages 193-221.
  38. 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.
  39. McKernan, Signe-Mary & Ratcliffe, Caroline & Kuehn, Daniel, 2013. "Prohibitions, price caps, and disclosures: A look at state policies and alternative financial product use," Journal of Economic Behavior & Organization, Elsevier, vol. 95(C), pages 207-223.
  40. Kawamura, Tetsuya & Mori, Tomoharu & Motonishi, Taizo & Ogawa, Kazuhito, 2021. "Is Financial Literacy Dangerous? Financial Literacy, Behavioral Factors, and Financial Choices of Households," Journal of the Japanese and International Economies, Elsevier, vol. 60(C).
  41. Taylor Canann & Richard Evans, 2015. "Determinants of Short-term Lender Location and Interest Rates," Journal of Financial Services Research, Springer;Western Finance Association, vol. 48(3), pages 235-262, December.
  42. Marianne Bertrand & Adair Morse, 2011. "Information Disclosure, Cognitive Biases, and Payday Borrowing," Journal of Finance, American Finance Association, vol. 66(6), pages 1865-1893, December.
  43. Goodman, Sarena & Isen, Adam & Yannelis, Constantine, 2021. "A day late and a dollar short: Liquidity and household formation among student borrowers," Journal of Financial Economics, Elsevier, vol. 142(3), pages 1301-1323.
  44. Donald P. Morgan & Michael R. Strain & Ihab Seblani, 2012. "How Payday Credit Access Affects Overdrafts and Other Outcomes," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 44(2‐3), pages 519-531, March.
  45. Michael A. Clemens, 2018. "Testing for Repugnance in Economic Transactions: Evidence from Guest Work in the Gulf," The Journal of Legal Studies, University of Chicago Press, vol. 47(S1), pages 5-44.
  46. Hojman, Daniel A. & Miranda, Álvaro & Ruiz-Tagle, Jaime, 2016. "Debt trajectories and mental health," Social Science & Medicine, Elsevier, vol. 167(C), pages 54-62.
  47. Alex Kaufman, 2013. "Payday lending regulation," Finance and Economics Discussion Series 2013-62, Board of Governors of the Federal Reserve System (U.S.).
  48. Enrique Seira & Alan Elizondo & Eduardo Laguna-Müggenburg, 2017. "Are Information Disclosures Effective? Evidence from the Credit Card Market," American Economic Journal: Economic Policy, American Economic Association, vol. 9(1), pages 277-307, February.
  49. Liberman, Andres & Paravisini, Daniel & Pathania, Vikram, 2021. "High-cost debt and perceived creditworthiness: Evidence from the UK," Journal of Financial Economics, Elsevier, vol. 142(2), pages 719-736.
  50. H. Lim & J. C. Letkiewicz, 2023. "Consumer Experience of Mistreatment and Fraud in Financial Services: Implications from an Integrative Consumer Vulnerability Framework," Journal of Consumer Policy, Springer, vol. 46(2), pages 109-135, June.
  51. Francisco Gomes & Michael Haliassos & Tarun Ramadorai, 2021. "Household Finance," Journal of Economic Literature, American Economic Association, vol. 59(3), pages 919-1000, September.
  52. Dean Karlan & Jonathan Zinman, 2010. "Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts," Review of Financial Studies, Society for Financial Studies, vol. 23(1), pages 433-464, January.
  53. 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).
  54. 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.
  55. Zibei Chen & Terri Friedline & Catherine M. Lemieux, 2022. "A National Examination on Payday Loan Use and Financial Well-being: a propensity score matching Approach," Journal of Family and Economic Issues, Springer, vol. 43(4), pages 678-689, December.
  56. Luigi Zingales, 2015. "Does Finance Benefit Society?," NBER Working Papers 20894, National Bureau of Economic Research, Inc.
  57. Marieke Bos & Chloé Le Coq & Peter van Santen, 2022. "Scarcity and consumers’ credit choices," Theory and Decision, Springer, vol. 92(1), pages 105-139, February.
  58. Singh, Nirvikar, 2018. "Financial Inclusion: Concepts, Issues and Policies for India," Santa Cruz Department of Economics, Working Paper Series qt98p5m37s, Department of Economics, UC Santa Cruz.
  59. J. Brandon Bolen & Gregory Elliehausen & Thomas W. Miller, 2020. "Do Consumers Need More Protection From Small‐Dollar Lenders? Historical Evidence And A Roadmap For Future Research," Economic Inquiry, Western Economic Association International, vol. 58(4), pages 1577-1613, October.
  60. Neil Bhutta & Paige Marta Skiba & Jeremy Tobacman, 2015. "Payday Loan Choices and Consequences," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 47(2-3), pages 223-260, March.
  61. Thomas A. Hemphill, 2020. "The small-dollar loan industry: a new era of regulatory reform—and emerging competition?," Business Economics, Palgrave Macmillan;National Association for Business Economics, vol. 55(3), pages 150-160, July.
  62. Giulia Bettin & Claudia Pigini & Alberto Zazzaro, 2020. "Financial Inclusion and Poverty Transitions: An Empirical Analysis for Italy," CSEF Working Papers 577, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
  63. Daniel Kandie & Khan Jahirul Islam, 2022. "A new era of microfinance: The digital microcredit and its impact on poverty," Journal of International Development, John Wiley & Sons, Ltd., vol. 34(3), pages 469-492, April.
  64. Mathieu R. Despard & Michal Grinstein-Weiss & Chunhui Ren & Shenyang Guo & Ramesh Raghavan, 2017. "Effects of a Tax-Time Savings Intervention on Use of Alternative Financial Services among Lower-Income Households," Journal of Consumer Affairs, Wiley Blackwell, vol. 51(2), pages 355-379, July.
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  66. 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.
  67. Susan Payne Carter, 2015. "Payday Loan and Pawnshop Usage: The Impact of Allowing Payday Loan Rollovers," Journal of Consumer Affairs, Wiley Blackwell, vol. 49(2), pages 436-456, July.
  68. Kanis Saengchote & Krislert Samphantharak, 2020. "Delinquency Priority in Consumer Credit: Evidence from Thai Microdata," PIER Discussion Papers 135, Puey Ungphakorn Institute for Economic Research.
  69. Saxena, Vibhor & Bindal, Ishaan & LeMay-Boucher, Philippe, 2020. "Social groups and credit shocks: Evidence of inequalities in consumption smoothing," Economic Analysis and Policy, Elsevier, vol. 68(C), pages 311-326.
  70. Grzegorz Wałęga & Agnieszka Wałęga, 2021. "Over-indebted Households in Poland: Classification Tree Analysis," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 153(2), pages 561-584, January.
  71. 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.).
  72. 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.
  73. James Wang, 2020. "Screening soft information: evidence from loan officers," RAND Journal of Economics, RAND Corporation, vol. 51(4), pages 1287-1322, December.
  74. Carlos Dobkin & Amy Finkelstein & Raymond Kluender & Matthew J. Notowidigdo, 2018. "The Economic Consequences of Hospital Admissions," American Economic Review, American Economic Association, vol. 108(2), pages 308-352, February.
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  78. Giannelis, Alexandros & Willoughby, Emily A. & Corley, Robin & Hopfer, Christian & Hewitt, John K. & Iacono, William G. & Anderson, Jacob & Rustichini, Aldo & Vrieze, Scott I. & McGue, Matt & Lee, Jam, 2023. "The association between saving disposition and financial distress: A genetically informed approach," Journal of Economic Psychology, Elsevier, vol. 96(C).
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  80. Zinman, Jonathan, 2010. "Restricting consumer credit access: Household survey evidence on effects around the Oregon rate cap," Journal of Banking & Finance, Elsevier, vol. 34(3), pages 546-556, March.
  81. Daniel Hojman & Alvaro Miranda & Jaime Ruiz-Tagle, 2013. "Over Indebtedness and Depression: Sad Debt or Sad Debtors?," Working Papers wp385, University of Chile, Department of Economics.
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  89. Chatterjee Somdeep, 2019. "The Curious Case of Farmer Credit Cards: Evidence from an Indian Policy Reform," The B.E. Journal of Economic Analysis & Policy, De Gruyter, vol. 19(1), pages 1-14, January.
  90. Cuffe, Harold E. & Gibbs, Christopher G., 2017. "The effect of payday lending restrictions on liquor sales," Journal of Banking & Finance, Elsevier, vol. 85(C), pages 132-145.
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  127. Bernardus F Nazar Van Doornik & Armando Gomes & David Schoenherr & Janis Skrastins, 2023. "Financial access and labor market outcomes: evidence from credit lotteries," BIS Working Papers 1071, Bank for International Settlements.
  128. Katie Fitzpatrick, 2015. "The effect of bank account ownership on credit and consumption: Evidence from the UK," Southern Economic Journal, John Wiley & Sons, vol. 82(1), pages 55-80, July.
  129. Fourcade, Marion & Healy, Kieran, 2013. "Classification situations: Life-chances in the neoliberal era," Accounting, Organizations and Society, Elsevier, vol. 38(8), pages 559-572.
  130. 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.
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  133. Kyoung Tae Kim & Soo Hyun Cho & Jing Jian Xiao, 2023. "Is Ignorance Bliss? Use of Alternative Financial Services, Financial Knowledge, and Financial Anxiety," Journal of Family and Economic Issues, Springer, vol. 44(4), pages 956-967, December.
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