Car buying for more than 80% of consumers involves obtaining a loan at a dealership in the U.S. Many of these buyers unknowingly pay an undisclosed interest rate markup charged by car dealerships, i.e., a dealer markup. The opaqueness of the dealer markup practice and a regulatory vacuum have...

Governments worldwide have spent billions of dollars on monetary incentives for consumers,such as tax credits, to encourage the adoption of eco-friendly (“green”) products. However, thereis little consensus regarding the effectiveness of tax credit incentives in increasing green...

Most buyers are unaware that dealers can mark up interest rates for auto loans regardless of buyers' risk profiles, potentially leading to gender discrimination in the third most prevalent consumer debt category in the U.S. Using individual transaction-level data from a 20% random sample of U.S....