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Does CFPB oversight crimp credit?
Fuster, Andreas; Plosser, Matthew; Vickery, James - 2018
We study the effects of regulatory oversight by the Consumer Financial Protection Bureau (CFPB) on credit supply as well as bank risk-taking, growth, and operating costs. We use a difference-in-differences approach, making use of the fact that banks below a $10 billion size cutoff are exempt...
Persistent link: https://www.econbiz.de/10011868541
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Measuring bias in consumer lending
Dobbie, Will; Liberman, Andres; Paravisini, Daniel; … - 2019
Persistent link: https://www.econbiz.de/10012111330
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Payday lending regulation
Kaufman, Alex - 2013
Persistent link: https://www.econbiz.de/10010431717
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Payday Lending Regulation
Kaufman, Alex - 2013
To date the debate over payday lending has focused on whether access to such lending is on net beneficial or harmful to consumer welfare. However, payday loans are not one product but many, and different forms of lending may have different welfare implications. The current diversity in payday...
Persistent link: https://www.econbiz.de/10013073386
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Payday Lenders, Vehicle Title Loans, and Small-Value Financing : The CFPB's Proposal to Regulate the Fringe Economy
Odinet, Christopher K. - 2015
The market for payday lenders, businesses that provide vehicle title loans, and other small-value financing players is rife with controversy. Some see them as predatory lenders that weave a web of never-ending debt designed to capture the weakest and most economically vulnerable of society....
Persistent link: https://www.econbiz.de/10013021309
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Do State Regulations Affect Payday Lender Concentration?
Barth, James R. - 2015
Ten states and the District of Columbia prohibit the operation of payday loan stores, and thirty-one other states have imposed regulatory restraints on the controversial industry, ranging, for example, from caps on fees and loan amounts to the number of rollovers and renewals a borrower may...
Persistent link: https://www.econbiz.de/10013025883
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Payday Lending Regulation and the Demand for Alternative Financial Services
Galperin, Roman V. - 2015
fringe credit products. Our estimation measures the effect of strict regulation and prohibition of one such product — payday … regulation of payday loans on demand for RALs. A state ban on payday lending results in about five percent reduction in demand …-strategic component of demand for payday loans, indicating that strict regulation of payday loans may benefit households on net. We …
Persistent link: https://www.econbiz.de/10013032516
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Payday Lending Regulations and the Impact on Women of Color
Romero, Lara Sofia - 2020
Payday loans, or small short-term loans that carry high fees, may provide a much-needed safety net for some consumers in need of quick cash for emergencies. However, data suggest that most payday loan borrowers become repeat users caught in a cycle of high-cost debt. Furthermore, empirical...
Persistent link: https://www.econbiz.de/10012846973
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Loan-to-value regulations on mortgages and the use and refinancing of unsecured debt
Reite, Endre J.; Blix Prestmo, Joakim; Oust, Are - In: Journal of real estate research : JRER ; a publication … 45 (2023) 3, pp. 300-327
Persistent link: https://www.econbiz.de/10014420447
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FinTech and banks : strategic partnerships that circumvent state usury laws
Elliehausen, Gregory E.; Hannon, Simona M. - 2023
Persistent link: https://www.econbiz.de/10014377677