We test the interest rate sensitivity of subprime credit card borrowers using a unique panel data set from a UK credit card company. We were given details of a randomized interest rate experiment conducted by the lender between October 2006 and January 2007. Access to such information is rare....

We test the interest rate sensitivity of subprime credit card borrowers using a unique panel data set from a UK credit card company. What is novel about our contribution is that we were given details of a randomized interest rate experiment conducted by the lender between October 2006 and...

We test the interest rate sensitivity of subprime credit card borrowers using a unique panel data set from a UK credit card company. What is novel about our contribution is that we were given details of a randomized interest rate experiment conducted by the lender between October 2006 and...

This paper aims to examine consumption behavior disparities between pensioners and non-pensioners, focusing on how pensioners alter their consumption patterns when cohabitating with additional individuals. By analyzing household-level consumption data from the Spanish family income survey, our...

Prelims -- Contents -- List of Contributors -- Introduction -- 1 Inequality and Access to Financial Services -- 2 The Political Economy of Consumer Credit Securitization: Comparing Predatory Lending in Home Finance in the US, UK, Germany and Japan -- 3 Consumer Overindebtedness in Brazil and the...