-in-differences regressions, their empirical strategy compares pre-Reform and post-Reform auto loans across states with persistent historical … auto loans in the average state by 15 basis points, with a larger decline in states where Chapter 13 is more common. The … on the number and size of new auto loans. The estimates show a small, negative, and insignificant impact on the number of …

process of substituting loans for wages during the period before the beginning of the current economic crisis. On the other …