. Finally, we find that those debtors who misreported income had a lower probability of default on their debt repayment plans …

, and increases loan interest rates and default probabilities …

Increasing personal bankruptcy protection raises consumers' desire to borrow and lenders' cost of extending credit; the … impact on equilibrium borrowing is ambiguous. Using bankruptcy protection changes between 1999 and 2005 across U.S. states …

This paper examines the disparity in default risk between vulnerable and non-vulnerable populations in consumer lending … the probability of default. We find that vulnerable individuals have a higher risk than non-vulnerable individuals …. Specifically, interest rates explain at least 30 percent of the risk gap. We also find that the default probabilities faced by …

if borrowing from FinTech lenders increases default risk. Alternatively, banks can provide more credit if such borrowing …

after the financial crisis. We also nd that consumers with a bankruptcy history, a conspicuous signal of higher default risk …