type="main" xml:id="joca12034-abs-0001" <b>In the wake of historic levels of mortgage defaults, regulators have debated how to regulate certain high-risk loans because of the risks of foreclosure involved. This study examines state laws that required loan applicants to receive information about the...</b>

The lack of research on how the 2004 safety-related withdrawal of the drug Vioxx affected consumer drug utilization or outcomes for competitors is a missed opportunity to learn from the largest drug withdrawal event in history. Our study fills this void using state-level repeated cross section...

Financial education is commonly assumed to affect knowledge and behavior, yet its impacts remain relatively untested. Very low-income families in a subsidized housing program were randomly assigned to a mandatory financial education program and tracked for 12 months. Financial education led to...

<b>Millions of minority homeowners are at risk of losing their homes as a result of the housing crisis due to mortgage foreclosure and home repossession. One consumer-oriented policy response to this crisis is mortgage default counseling for borrowers. This study examines the rate at which minority...</b>

Prior to 2010 regulatory changes, lenders faced few penalties for disclosing inaccurate mortgage closing costs to borrowers during the mortgage application process. Given this policy context, lenders might have intentionally understated closing costs in order to lure unsuspecting borrowers into...