Narrow search
Showing 1 - 10 of 2,046
Cover Image
Debt-financed consumption sprees : regulation, freedom and habits of thought
Starr-McCluer, Martha - In: Journal of economic issues : jei 44 (2010) 2, pp. 459-469
Persistent link: https://www.econbiz.de/10008699790
Cover Image
Predatory lending and the subprime crisis
Agarwal, Sumit; Amromin, Gene; Ben-David, Itzhak; … - 2012
We measure the effect of an anti-predatory pilot program (Chicago, 2006) on mortgage default rates to test whether predatory lending was a key element in fueling the subprime crisis. Under the program, risky borrowers and/or risky mortgage contracts triggered review sessions by housing...
Persistent link: https://www.econbiz.de/10009625929
Cover Image
Access to credit and financial health : evaluating the impact of debt collection
Fonseca, Julia; Strair, Katherine; Zafar, Basit - 2017
Despite the prevalence of debt collection and the intense regulatory activity surrounding this industry, little is known about how these practices impact consumers. This paper conducts an empirical analysis of the effect of debt collection on consumer credit and on indicators of financial...
Persistent link: https://www.econbiz.de/10011657560
Cover Image
Testimony Before United States House of Representatives Committee on Financial Services on Proposed Consumer Financial Protection Agency
Zywicki, Todd J. - 2009
This testimony addresses the proposal of the Obama Administration to create a new Consumer Financial Protection Agency (CFPA) which would have the authority to issue and enforce new regulations related to consumer lending products. This testimony criticizes the proposal on three grounds. First,...
Persistent link: https://www.econbiz.de/10013156866
Cover Image
Privacy and Modern Advertising : Most US Internet Users Want 'Do Not Track' to Stop Collection of Data about their Online Activities
Hoofnagle, Chris Jay; Urban, Jennifer M.; Li, Su - 2014
online advertising. However, when probed, most prefer that Do Not Track block advertisers from collecting data about their … advertising industry. In previous studies, we have found that Americans think they are protected by strong online privacy laws … understanding of the terms for their legitimacy. We also probed Internet users' attitudes towards advertising. Most Internet users …
Persistent link: https://www.econbiz.de/10014165316
Cover Image
'Consumer Safety' Bill Could Boomerang Against U.S. Manufacturers
Griswold, Daniel T. - 2013
Persistent link: https://www.econbiz.de/10013085533
Cover Image
Do financial counseling mandates improve mortgage choice and performance? Evidence from a legislative experiment
Agarwal, Sumit; Amromin, Gene; Ben-David, Itzhak; … - 2009
We explore the effects of mandatory third-party review of mortgage contracts on the terms, availability, and performance of mortgage credit. Our study is based on a legislative experiment in which the State of Illinois required 'high-risk' mortgage applicants acquiring or refinancing properties...
Persistent link: https://www.econbiz.de/10010292159
Cover Image
Why did so many people make so many ex post bad decisions? The causes of the foreclosure crisis
Foote, Christopher L.; Gerardi, Kristopher S.; Willen, … - 2012
We present 12 facts about the mortgage crisis. We argue that the facts refute the popular story that the crisis resulted from finance industry insiders deceiving uninformed mortgage borrowers and investors. Instead, we argue that borrowers and investors made decisions that were rational and...
Persistent link: https://www.econbiz.de/10010292274
Cover Image
A Meta-Analysis of the Willingness to Pay for Reductions in Pesticide Risk Exposure
Travisi, Chiara M.; Nijkamp, Peter; Florax, Raymond J. G. M. - 2004
The use of environmental policy instruments such as eco-labelling and pesticide taxes should preferably be based on disaggregate estimates of the individuals' willingness to pay (WTP) for pesticide risk reductions. We review the empirical valuation literature dealing with pesticide risk exposure...
Persistent link: https://www.econbiz.de/10011324976
Cover Image
Genügend Widerstandskraft? Immobilienfinanzierung und Haushaltsverschuldung in Deutschland, Großbritannien, den Niederlanden und den USA
Badunenko, Oleg; Barasinska, Nataliya; Schäfer, Dorothea - In: Vierteljahrshefte zur Wirtschaftsforschung 78 (2009) 1, pp. 127-142
Die vorliegende Studie zielt auf die Einschätzung der ökonomischen Stabilität der Haushalte in Deutschland ab. Ausgehend von der Betrachtung der unterschiedlichen Immobilienfinanzierungsregime wird anhand aggregierter und disaggregierter Haushaltsdaten die wirtschaftliche und finanzielle...
Persistent link: https://www.econbiz.de/10010377874