-in-differences regressions, their empirical strategy compares pre-Reform and post-Reform auto loans across states with persistent historical … auto loans in the average state by 15 basis points, with a larger decline in states where Chapter 13 is more common. The … on the number and size of new auto loans. The estimates show a small, negative, and insignificant impact on the number of …

. Long-term interest rates have been exceptionally high and long-term loans and deposits exceptionally low since the Lehman … collapse. Instead, short-term interest rates and short-term loans and deposits did not show abnormal dynamics in the course of …

and HELOCs at higher rates, whereas they prioritize repaying credit cards and auto loans. Larger unused credit card limits …

and 2) little substitution out of home equity debt into student loans in response to recent house price declines …