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Behavioral Economics, Financial Literacy and Consumers' Financial Decisions

Elliehausen, Gregory - In: The Oxford handbook of banking. 2019

Persistent link: https://www.econbiz.de/10013475741

Effects of Bankruptcy Exemptions and Foreclosure Laws on Mortgage Default and Foreclosure Rates

Desai, Chintal; Elliehausen, Gregory; Steinbuks, Jevgenijs - In: The Journal of Real Estate Finance and Economics 47 (2013) 3, pp. 391-415

This study analyzes the effects of state bankruptcy asset exemptions and foreclosure laws on mortgage default and foreclosure rates across different segments of the mortgage market. We found that the effects of these legal provisions are larger for subprime than for prime mortgages and larger...

Persistent link: https://www.econbiz.de/10010866907

The Economic Effects of Legal Restrictions on High-Cost Mortgages

Steinbuks, Jevgenijs; Elliehausen, Gregory - In: The Journal of Real Estate Finance and Economics 49 (2014) 1, pp. 47-72

We analyze the effects of state predatory mortgage lending laws, which have been a model for recent changes in the United States federal legislation enacted to regulate the mortgage contract terms common in higher-risk mortgage market segments. Using the Rothschild-Stiglitz approach to model...

Persistent link: https://www.econbiz.de/10010866991

On the County-Level Credit Outcome Beta

Desai, Chintal; Elliehausen, Gregory; Lawrence, Edward - In: Journal of Financial Services Research 45 (2014) 2, pp. 201-218

In their pioneering work, Musto and Souleles (Journal of Monetary Economics 53(1):59–84, <CitationRef CitationID="CR19">2006</CitationRef>) apply portfolio theory to consumer lending. This paper extends their work by analyzing three county-level credit outcome betas. We use the probability of default calibrated from the credit score, the...</citationref>

Persistent link: https://www.econbiz.de/10010987897

DO CONSUMERS NEED MORE PROTECTION FROM SMALL‐DOLLAR LENDERS? HISTORICAL EVIDENCE AND A ROADMAP FOR FUTURE RESEARCH

Bolen, J. Brandon; Elliehausen, Gregory; Miller, Thomas W. - In: Economic Inquiry 58 (2020) 4, pp. 1577-1613

Persistent link: https://www.econbiz.de/10012281567

The effect of prepayment penalties on the pricing of subprime mortgages

Elliehausen, Gregory; Staten, Michael E.; Steinbuks, … - In: Journal of Economics and Business 60 (2008) 1-2, pp. 33-46

Persistent link: https://www.econbiz.de/10005313245

The Costs of Implementing Regulatory Changes: The Truth in Savings Act

Elliehausen, Gregory; Lowrey, Barbara - In: Journal of Financial Services Research 17 (2000) 2, pp. 165-179

Persistent link: https://www.econbiz.de/10005680177

The Cost Structure of the Consumer Finance Industry

Durkin, Thomas; Elliehausen, Gregory - In: Journal of Financial Services Research 13 (1998) 1, pp. 71-86

Persistent link: https://www.econbiz.de/10005715943

The Credit Card Act and consumer finance company lending

Elliehausen, Gregory E.; Hannon, Simona M. - In: Journal of financial intermediation 34 (2018), pp. 109-119

Persistent link: https://www.econbiz.de/10012114251

The effect of state bans of payday lending on consumer credit delinquencies

Desai, Chintal A.; Elliehausen, Gregory E. - In: The quarterly review of economics and finance : journal … 64 (2017), pp. 94-107

Persistent link: https://www.econbiz.de/10011792268