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Identity theft as a teachable moment
Cheney, Julia S.; Hunt, Robert M.; Mikhed, Vyacheslav; … - Federal Reserve Bank of Philadelphia - 2014
This paper examines how instances of identity theft that are sufficiently severe to induce consumers to place an extended fraud alert in their credit reports affect their risk scores, delinquencies, and other credit bureau variables on impact and thereafter. We show that for many consumers these...
Persistent link: https://www.econbiz.de/10010930294
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Consumer use of fraud alerts and credit freezes: an empirical analysis
Cheney, Julia S.; Hunt, Robert M.; Mikhed, Vyacheslav; … - Federal Reserve Bank of Philadelphia - 2014
Fraud alerts — initial fraud alerts, extended fraud alerts, and credit freezes — help protect consumers from the consequences of identity theft. At the same time, they may impose costs on lenders, credit bureaus, and, in some instances, consumers. We analyze a unique data set of anonymized...
Persistent link: https://www.econbiz.de/10011027168
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Financial Education for Migrants and their Families
Atkinson, Adele; Messy, Flore-Anne - Directorate for Financial, Fiscal and Enterprises … - 2015
Money remitted by international migrants is a major source of income for many countries around the world, exceeding all international development funds combined. Yet individual migrants and their families are often amongst the most vulnerable people in society, and many face significant barriers...
Persistent link: https://www.econbiz.de/10011276665
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Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market
Agarwal, Sumit; Ben-David, Itzhak; Yao, Vincent - National Bureau of Economic Research (NBER) - 2013
Financially constrained borrowers have the incentive to influence the appraisal process in order to increase borrowing or reduce the interest rate. We document that the average valuation bias for residential refinance transactions is above 5%. The bias is larger for highly leveraged...
Persistent link: https://www.econbiz.de/10010703331
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Precarious Residents: Migration Control, Membership and the Rights of Non-Citizens
Gibney, Matthew - Human Development Report Office, United Nations … - 2009
This paper examines the situation of a subgroup of non-citizens found in virtually all contemporary states, what I call “precarious residents”. Precarious residents can be defined as non-citizens living in the state that possess few social, political or economic rights, are highly vulnerable...
Persistent link: https://www.econbiz.de/10008507028
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Illegal to punish or punish the illegals: Which way should Ukraine and Moldova choose?
Lundgren, Ted - Volkswirtschaftliche Fakultät, … - 2008
A government seeks to minimise the maximum expected utility of migrants and smugglers, but has to do this under constraints. It is argued that a vote maximising government should choose policies based on the relative weight of the introduced lobby utility function, which acts as a constraint....
Persistent link: https://www.econbiz.de/10009148017
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State border corruption and illegal migration: A model
Lundgren, Ted; Lappo, Petr - Volkswirtschaftliche Fakultät, … - 2009
State border corruption is still a problem for Belarus, Ukraine and Moldova. In a theoretical model, it is shown how a border guard authority should optimally allocate budgetary resources to oblasts in presence of corruption, so as to minimise the general average number of illegal migrants.
Persistent link: https://www.econbiz.de/10009151122
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Access to Higher Public Education and Locational Choices of Undocumented Migrants
Cebula, Richard; Nair-Reichert, Usha - Volkswirtschaftliche Fakultät, … - 2014
Many states have experienced a large influx of undocumented migrants in recent years. This has created new demands on higher educational systems at the state level. Some states have passed legislation to restrict the access of undocumented migrants to higher public education whereas others...
Persistent link: https://www.econbiz.de/10011112942
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Urbanization in China and how urban housing demand can be met
Gottschalch, Sören - Fachbereich Wirtschaftswissenschaften, Hochschule für … - 2013
As it has rightfully been recognized by China's central government, successful urbanization will be decisive for the … nation's future development. Key challenges will be to realize urbanization economies, improve production and innovation … population. This paper contributes to the discussion with illuminating the main drivers of urbanization: (i) migration and (ii …
Persistent link: https://www.econbiz.de/10010982076
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Meet the need for inclusive urbanization in China: Migrants' urban housing demand along their socio-economic transition
Gottschalch, Sören - Fachbereich Wirtschaftswissenschaften, Hochschule für … - 2015
China's central government has rightfully recognized that successful urbanization will be decisive for the nation … the main drivers of urbanization, and that provides migrants with greater urban socio-economic opportunities, improves … working paper: "Urbanization in China and how urban housing demand can be met", by specifying the underlying forces of …
Persistent link: https://www.econbiz.de/10011200303