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Misbehavioral law and economics : separating and pooling in responses to consumer financial mistakes
Russell, Jacob Hale - 2015 - Draft: 27 September 2015
objective circumstances. For example, two day-traders betting in the stock market may differ along either dimension. Each may …
Persistent link: https://www.econbiz.de/10011448790
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New evidence on an old unanswered question : why some borrowers purchase credit insurance and other debt protection and some do not
Durkin, Thomas A.; Elliehausen, Gregory E. - 2017
Credit related insurance and other debt protection are products sold in conjunction with credit that extinguish a consumer's debt or suspends its periodic payments if events like death, disability, or involuntary unemployment occur. High penetration rates observed in the 1950s and 1960s raised...
Persistent link: https://www.econbiz.de/10011803705
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Does CFPB oversight crimp credit?
Fuster, Andreas; Plosser, Matthew; Vickery, James - 2018
We study the effects of regulatory oversight by the Consumer Financial Protection Bureau (CFPB) on credit supply as well as bank risk-taking, growth, and operating costs. We use a difference-in-differences approach, making use of the fact that banks below a $10 billion size cutoff are exempt...
Persistent link: https://www.econbiz.de/10011868541
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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
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Whither Consumer Credit Counseling
Hunt, Robert M. - 2006
For a half century, nonprofit credit counseling organizations have offered financial education and budget counseling sessions at nominal cost to borrowers. They also negotiate comprehensive repayment plans with a borrower's unsecured creditors. These repayment plans provide an alternative to...
Persistent link: https://www.econbiz.de/10012733522
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Market-Reinforcing versus Market-Replacing Consumer Finance Regulation
Zywicki, Todd J. - 2017
The aftermath of the financial crisis has seen the formation of several new banking regulators and an onslaught of new financial regulation. In the area of consumer financial protection bureau these regulations have resuscitated the regulatory approach of prior eras, namely substantive...
Persistent link: https://www.econbiz.de/10012963104
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The Effects on Consumers from Two State-Level Regulations of the Payday Loan Market
Miller, Thomas; Zywicki, Todd J. - 2021
We analyze 15.6 million storefront payday loans made to 1.8 million unique borrowers in 2013 to examine payday loan terms and usage. We find that loan prices and loan amounts are generally not at state-mandated maximum levels. For the 30 states in our sample, we find that the number of loans per...
Persistent link: https://www.econbiz.de/10013210902
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Payday Lending, Bank Overdraft Protection, and Fair Competition at the Consumer Financial Protection Bureau
Clarke, Robert - 2014
The Consumer Financial Protection Bureau (CFPB) is considering new regulation of payday lending and bank overdraft protection. The Dodd-Frank Act, which established the CFPB, recognizes that consumers benefit from competition among providers of consumer credit products. That law requires the...
Persistent link: https://www.econbiz.de/10013062102
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An experiment for regulatory policy on broadband speed advertising
Timmons, Shane; McElvaney, Terence J.; Lunn, Pete - 2019
Identifying whether hyperbolic advertising claims influence consumers is important for consumer protection, but … differentiating mere "puffery" from misleading advertising is not straightforward. We conducted a pre-registered experiment to … determine whether pseudo-technical advertising claims about broadband speed bias consumer choice. We tested whether these claims …
Persistent link: https://www.econbiz.de/10012123243
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CODES OF ETHICS IN SERVICES AND THE PROMOTION OF FAIR COMPETITION
Petrescu, Eva-Cristina; Ioncica, Diana - In: The AMFITEATRU ECONOMIC journal 10 (2008) 23, pp. 36-40
, counterfeiting, piracy, deceptive advertising etc. Especially in services, due to their characteristics (intangibility, cannot be … respective domains (competition, advertising etc.), is played by the ethical and deontological codes that have known an …, ‘the snowball effect’ and deceptive advertising, and presents comparative aspects of codes of ethics and deontological …
Persistent link: https://www.econbiz.de/10005151192