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The Real Costs of Credit Access: Evidence from the Payday Lending Market
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- 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.
- 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).
- 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.
- 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.
- Campbell, John Y. & Tufano, Peter & Madrian, Brigitte C. & Jackson, Howell Edmunds, 2011. "Consumer Financial Protection," Scholarly Articles 9887620, Harvard University Department of Economics.
- 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.
- Mary Zaki, 2016. "Access to Short-term Credit and Consumption Smoothing within the Paycycle," Working Papers 2016.07, Fondazione Eni Enrico Mattei.
- 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.
- Kyle Herkenhoff, 2014. "The Impact of Consumer Credit Access on Unemployment," 2014 Meeting Papers 448, Society for Economic Dynamics.
- Kyle F. Herkenhoff, 2018. "The Impact of Consumer Credit Access on Unemployment," NBER Working Papers 25187, National Bureau of Economic Research, Inc.
- 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.
- Rowena Pecchenino & Eoin McLaughlin Author-Workplace-University College Cork, 2021. "Fringe Banking and Financialisation: Pawnbroking in pre-famine and famine Ireland," Economics Department Working Paper Series n313-21.pdf, Department of Economics, National University of Ireland - Maynooth.
- Eoin McLaughlin & Rowena Pecchenino, 2021. "Fringe Banking and Financialisation: Pawnbroking in pre-famine and famine Ireland," Working Papers 0215, European Historical Economics Society (EHES).
- Agarwal, Sumit & Ambrose, Brent W. & Diop, Moussa, 2022. "Minimum wage increases and eviction risk," Journal of Urban Economics, Elsevier, vol. 129(C).
- 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.
- Campbell, John Y., 2016. "Restoring Rational Choice: The Challenge of Consumer Financial Regulation," Scholarly Articles 27413770, Harvard University Department of Economics.
- Campbell, John Y., 2016. "Restoring rational choice: The challenge of consumer financial regulation," Working Paper Series 1897, European Central Bank.
- John Y. Campbell, 2016. "Restoring Rational Choice: The Challenge of Consumer Financial Regulation," NBER Working Papers 22025, National Bureau of Economic Research, Inc.
- 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.
- James R. Brown & J Anthony Cookson & Rawley Heimer, 2017. "Growing Up without Finance," Working Papers (Old Series) 1704, Federal Reserve Bank of Cleveland.
- Brian T Melzer, 2018.
"Spillovers from Costly Credit,"
Review of Financial Studies, Society for Financial Studies, vol. 31(9), pages 3568-3594.
- Brian T. Melzer, 2013. "Spillovers From Costly Credit," Working Papers 13-11, Center for Economic Studies, U.S. Census Bureau.
- Burke, Matt & Fry, John, 2019. "How easy is it to understand consumer finance?," Economics Letters, Elsevier, vol. 177(C), pages 1-4.
- 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.
- 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.
- Viktar Fedaseyeu, 2012.
"Debt Collection Agencies and the Supply of Consumer Credit,"
Working Papers
442, IGIER (Innocenzo Gasparini Institute for Economic Research), Bocconi University.
- Viktar Fedaseyeu, 2015. "Debt collection agencies and the supply of consumer credit," Working Papers 15-23, Federal Reserve Bank of Philadelphia.
- Viktar Fedaseyeu, 2020. "Debt Collection Agencies and the Supply of Consumer Credit," Working Papers 20-06, Federal Reserve Bank of Philadelphia.
- Viktar Fedaseyeu, 2013. "Debt collection agencies and the supply of consumer credit," Working Papers 13-38, Federal Reserve Bank of Philadelphia.
- 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.
- Will Dobbie & Andres Liberman & Daniel Paravisini & Vikram Pathania, 2018. "Measuring Bias in Consumer Lending," Working Papers 623, Princeton University, Department of Economics, Industrial Relations Section..
- Will Dobbie & Andres Liberman & Daniel Paravisini & Vikram Pathania, 2018. "Measuring Bias in Consumer Lending," NBER Working Papers 24953, National Bureau of Economic Research, Inc.
- Dobbie, Will & Liberman, Andres & Paravisini, Daniel & Pathania, Vikram S., 2021. "Measuring bias in consumer lending," LSE Research Online Documents on Economics 104984, London School of Economics and Political Science, LSE Library.
- Dobbie, Will & Liberman, Andres & Paravisini, Daniel & Pathania, Vikram, 2019. "Measuring Bias in Consumer Lending," Working Paper Series rwp19-029, Harvard University, John F. Kennedy School of Government.
- Akey, Pat & Heimer, Rawley Z. & Lewellen, Stefan, 2021. "Politicizing consumer credit," Journal of Financial Economics, Elsevier, vol. 139(2), pages 627-655.
- 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.
- 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.
- 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).
- 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.
- Agarwal, Sumit & Ben-David, Itzhak & Amromin, Gene & Chomsisengphet, Souphala & Evanoff, Douglas D., 2012. "Predatory Lending and the Subprime Crisis," Working Paper Series 2012-08, Ohio State University, Charles A. Dice Center for Research in Financial Economics.
- Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff, 2013. "Predatory Lending and the Subprime Crisis," NBER Working Papers 19550, National Bureau of Economic Research, Inc.
- 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.
- 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.
- Eesha Sharma & Stephanie Tully & Xiang Wang, 2022. "Scarcity and Intertemporal Choice," Working Papers 22-27, Federal Reserve Bank of Philadelphia.
- 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.
- 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.
- Marion Fourcade & Kieran Healy, 2013. "Classification situations: Life-chances in the neoliberal era," Post-Print hal-03470535, HAL.
- 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.
- Bernardus Van Doornik & Armando Gomes & David Schoenherr & Janis Skrastins, 2021. "Financial Access and Labor Market Outcomes: Evidence from Credit Lotteries," Working Papers 2021-56, Princeton University. Economics Department..
- 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.
- Neuberger, Doris & Reifner, Udo, 2019. "Systemic usury and the European Consumer Credit Directive," Thuenen-Series of Applied Economic Theory 161, University of Rostock, Institute of Economics, revised 2019.
- 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.
- 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.
- Renuka Sane & Susan Thomas, 2013. "The real cost of credit constraints: Evidence from micro-finance," Indira Gandhi Institute of Development Research, Mumbai Working Papers 2013-013, Indira Gandhi Institute of Development Research, Mumbai, India.
- 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.
- 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.
- 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.
- 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.
- Fedaseyeu, Viktar, 2020. "Debt collection agencies and the supply of consumer credit," Journal of Financial Economics, Elsevier, vol. 138(1), pages 193-221.
- 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.
- 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.
- 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).
- 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.
- Taylor J. Canann & Richard W. Evans, 2013. "Determinants of Short-term Lender Location and Interest Rates," BYU Macroeconomics and Computational Laboratory Working Paper Series 2013-06, Brigham Young University, Department of Economics, BYU Macroeconomics and Computational Laboratory.
- 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.
- Marianne Bertrand & Adair Morse, 2009. "Information Disclosure, Cognitive Biases and Payday Borrowing," Working Papers 2009-007, Becker Friedman Institute for Research In Economics.
- 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.
- Sarena Goodman & Adam Isen & Constantine Yannelis, 2018. "A Day Late and a Dollar Short : Liquidity and Household Formation among Student Borrowers," Finance and Economics Discussion Series 2018-025, Board of Governors of the Federal Reserve System (U.S.).
- 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.
- 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, pages 519-531, March.
- 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.
- Clemens, Michael A., 2017. "Testing for Repugnance in Economic Transactions: Evidence from Guest Work in the Gulf," IZA Discussion Papers 11061, Institute of Labor Economics (IZA).
- Michael Clemens, 2017. "Testing for Repugnance in Economic Transactions: Evidence from Guest Work in the Gulf," Working Papers 463, Center for Global Development.
- Hojman, Daniel A. & Miranda, Álvaro & Ruiz-Tagle, Jaime, 2016. "Debt trajectories and mental health," Social Science & Medicine, Elsevier, vol. 167(C), pages 54-62.
- Alex Kaufman, 2013. "Payday lending regulation," Finance and Economics Discussion Series 2013-62, Board of Governors of the Federal Reserve System (U.S.).
- 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.
- 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.
- 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.
- Francisco Gomes & Michael Haliassos & Tarun Ramadorai, 2021.
"Household Finance,"
Journal of Economic Literature, American Economic Association, vol. 59(3), pages 919-1000, September.
- Haliassos, Michael & Gomes, Francisco, 2020. "Household Finance," CEPR Discussion Papers 14502, C.E.P.R. Discussion Papers.
- Gomes, Francisco J. & Haliassos, Michael & Ramadorai, Tarun, 2020. "Household finance," IMFS Working Paper Series 138, Goethe University Frankfurt, Institute for Monetary and Financial Stability (IMFS).
- 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.
- Dean Karlan & Jonathan Zinman, 2006. "Expanding credit access: Using randomized supply decisions to estimate the impacts," Natural Field Experiments 00281, The Field Experiments Website.
- Dean Karlan & Jonathan Zinman, 2007. "Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts," Working Papers 956, Economic Growth Center, Yale University.
- Karlan, Dean S. & Zinman, Jonathan, 2007. "Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts," Center Discussion Papers 9279, Yale University, Economic Growth Center.
- Dean Karlan & Jonathan Zinman, 2007. "Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts," Working Papers 108, Center for Global Development.
- Zinman, Jonathan & Karlan, Dean, 2007. "Expanding Credit Access: Using Randomized Supply Decisions To Estimate the Impacts," CEPR Discussion Papers 6180, C.E.P.R. Discussion Papers.
- Zinman, Jonathan & Karlan, Dean, 2007. "Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts," CEPR Discussion Papers 6407, C.E.P.R. Discussion Papers.
- 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.
- 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.
- 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.
- Luigi Zingales, 2015.
"Does Finance Benefit Society?,"
NBER Working Papers
20894, National Bureau of Economic Research, Inc.
- Zingales, Luigi, 2015. "Does Finance Benefit Society?," CEPR Discussion Papers 10350, C.E.P.R. Discussion Papers.
- 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.
- 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.
- Singh, Nirvikar, 2018. "Financial Inclusion: Concepts, Issues and Policies for India," MPRA Paper 91047, University Library of Munich, Germany.
- 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.
- 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.
- 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.
- 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.
- Giulia Bettin & Claudia Pigini & Alberto Zazzaro, 2020. "Financial inclusion and poverty transitions: an empirical analysis for Italy," Mo.Fi.R. Working Papers 164, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
- 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.
- 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.
- repec:hal:spmain:info:hdl:2441/6cbt691h0h8o9q5rf0apko0pda is not listed on IDEAS
- 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.
- 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.
- Kanis Saengchote & Krislert Samphantharak, 2020. "Delinquency Priority in Consumer Credit: Evidence from Thai Microdata," PIER Discussion Papers 135, Puey Ungphakorn Institute for Economic Research.
- 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.
- 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.
- 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.).
- 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.
- James Wang, 2020. "Screening soft information: evidence from loan officers," RAND Journal of Economics, RAND Corporation, vol. 51(4), pages 1287-1322, December.
- 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.
- Carlos Dobkin & Amy Finkelstein & Raymond Kluender & Matthew J. Notowidigdo, 2016. "The Economic Consequences of Hospital Admissions," NBER Working Papers 22288, National Bureau of Economic Research, Inc.
- Dobkin, Carlos & Finkelstein, Amy & Kluender, Raymond & Notowidigdo, Matthew J, 2018. "The Economic Consequences of Hospital Admissions," Santa Cruz Department of Economics, Working Paper Series qt3m71z8vr, Department of Economics, UC Santa Cruz.
- Vibhor Saxena & Ishaan Bindal & Philippe LeMay-Boucher, 2019. "Social groups and credit shocks: Evidence of inequalities in consumption smoothing," Discussion Paper Series, School of Economics and Finance 201901, School of Economics and Finance, University of St Andrews.
- Jonathan Zinman, 2014.
"Consumer Credit: Too Much or Too Little (or Just Right)?,"
The Journal of Legal Studies, University of Chicago Press, vol. 43(S2), pages 209-237.
- Jonathan Zinman, 2013. "Consumer Credit: Too Much or Too Little (or Just Right)?," NBER Working Papers 19682, National Bureau of Economic Research, Inc.
- 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.
- Cuffe, Harold E & Gibbs, Christopher G, 2015. "The effect of payday lending restrictions on liquor sales," Working Paper Series 4713, Victoria University of Wellington, School of Economics and Finance.
- 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).
- French, Declan & McKillop, Donal, 2016. "Financial literacy and over-indebtedness in low-income households," International Review of Financial Analysis, Elsevier, vol. 48(C), pages 1-11.
- 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.
- Jonathan Zinman, 2008. "Restricting consumer credit access: household survey evidence on effects around the Oregon rate cap," Working Papers 08-32, Federal Reserve Bank of Philadelphia.
- 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.
- Andreas Fuster & Matthew Plosser & James Vickery, 2018.
"Does CFPB Oversight Crimp Credit?,"
Staff Reports
857, Federal Reserve Bank of New York.
- Plosser, Matthew & Vickery, James, 2021. "Does CFPB Oversight Crimp Credit?," CEPR Discussion Papers 15681, C.E.P.R. Discussion Papers.
- Andreas Fuster & Matthew Plosser & James Vickery, 2020. "Does CFPB Oversight Crimp Credit?," Working Papers 21-08, Federal Reserve Bank of Philadelphia.
- Cambpbell, John Y. & Jackson, Howell Edmunds & Madrian, Brigitte & Tufano, Peter, 2010.
"The Regulation of Consumer Financial Products: An Introductory Essay with Four Case Studies,"
Scholarly Articles
4450128, Harvard Kennedy School of Government.
- Campbell, John Y. & Jackson, Howell E. & Madrian, Brigitte C. & Tufano, Peter, 2010. "The Regulation of Consumer Financial Products: An Introductory Essay with Four Case Studies," Working Paper Series rwp10-040, Harvard University, John F. Kennedy School of Government.
- Cumming, Douglas J. & Sewaid, Ahmed, 2021. "FinTech loans, self-employment, and financial performance," CFS Working Paper Series 667, Center for Financial Studies (CFS).
- 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.).
- Leandro Carvalho & Arna Olafsson & Dan Silverman, 2019. "Misfortune and Mistake: The Financial Conditions and Decision-making Ability of High-cost Loan Borrowers," NBER Working Papers 26328, National Bureau of Economic Research, Inc.
- Terri Friedline & Nancy Kepple, 2017. "Does Community Access to Alternative Financial Services Relate to Individuals’ Use of These Services? Beyond Individual Explanations," Journal of Consumer Policy, Springer, vol. 40(1), pages 51-79, March.
- Terri Friedline & Zibei Chen & So’Phelia Morrow, 2021. "Families’ Financial Stress & Well-Being: The Importance of the Economy and Economic Environments," Journal of Family and Economic Issues, Springer, vol. 42(1), pages 34-51, July.
- 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.
- 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.
- Cuffe, Harold E & Gibbs, Christopher G, 2015. "The effect of payday lending restrictions on liquor sales," Working Paper Series 19347, Victoria University of Wellington, School of Economics and Finance.
- Zhuang Liu & Michael Sockin & Wei Xiong, 2021. "Data Privacy and Temptation," Working Papers 2021-77, Princeton University. Economics Department..
- Sarah Miller & Cindy K. Soo, 2020. "Does Increasing Access to Formal Credit Reduce Payday Borrowing?," NBER Working Papers 27783, National Bureau of Economic Research, Inc.
- Bernhardt, Dan & Koufopoulos, Kostas & Trigilia, Giulio, 2021. "Profiting from the poor in competitive lending markets with adverse selection," The Warwick Economics Research Paper Series (TWERPS) 1328, University of Warwick, Department of Economics.
- Barth, James R. & Hilliard, Jitka & Jahera, John S. & Sun, Yanfei, 2016. "Do state regulations affect payday lender concentration?," Journal of Economics and Business, Elsevier, vol. 84(C), pages 14-29.
- Bhutta, Neil, 2014. "Payday loans and consumer financial health," Journal of Banking & Finance, Elsevier, vol. 47(C), pages 230-242.
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