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Payday Lenders, Vehicle Title Loans, and Small-Value Financing : The CFPB's Proposal to Regulate the Fringe Economy

Odinet, Christopher K. - 2015

The market for payday lenders, businesses that provide vehicle title loans, and other small-value financing players is rife with controversy. Some see them as predatory lenders that weave a web of never-ending debt designed to capture the weakest and most economically vulnerable of society....

Persistent link: https://www.econbiz.de/10013021309

Do State Regulations Affect Payday Lender Concentration?

Barth, James R. - 2015

Ten states and the District of Columbia prohibit the operation of payday loan stores, and thirty-one other states have imposed regulatory restraints on the controversial industry, ranging, for example, from caps on fees and loan amounts to the number of rollovers and renewals a borrower may...

Persistent link: https://www.econbiz.de/10013025883

Payday Lending Regulation and the Demand for Alternative Financial Services

Galperin, Roman V. - 2015

fringe credit products. Our estimation measures the effect of strict regulation and prohibition of one such product — payday … regulation of payday loans on demand for RALs. A state ban on payday lending results in about five percent reduction in demand …-strategic component of demand for payday loans, indicating that strict regulation of payday loans may benefit households on net. We …

Persistent link: https://www.econbiz.de/10013032516

Regulation of short-term consumer credits

Takalo, Tuomas - In: Journal of banking regulation 20 (2019) 4, pp. 348-354

Persistent link: https://www.econbiz.de/10012259766

Evaluating options for the regulation of payday loans

Anderson, Michael H.; Jackson, Raymond - In: The journal of applied business research 34 (2018) 1, pp. 131-141

Persistent link: https://www.econbiz.de/10011889822

Payday-loan bans : evidence of indirect effects on supply

Ramirez, Stefanie R. - In: Empirical economics : a journal of the Institute for … 56 (2019) 3, pp. 1011-1037

Persistent link: https://www.econbiz.de/10012041690

Payday Lending Regulations and the Impact on Women of Color

Romero, Lara Sofia - 2020

Payday loans, or small short-term loans that carry high fees, may provide a much-needed safety net for some consumers in need of quick cash for emergencies. However, data suggest that most payday loan borrowers become repeat users caught in a cycle of high-cost debt. Furthermore, empirical...

Persistent link: https://www.econbiz.de/10012846973

Loan-to-value regulations on mortgages and the use and refinancing of unsecured debt

Reite, Endre J.; Blix Prestmo, Joakim; Oust, Are - In: Journal of real estate research : JRER ; a publication … 45 (2023) 3, pp. 300-327

Persistent link: https://www.econbiz.de/10014420447

Household credit and regulatory arbitrage : evidence from online marketplace lending

Braggion, Fabio; Manconi, Alberto; Zhu, Haikun - In: Management science : journal of the Institute for … 69 (2023) 10, pp. 6271-6292

Persistent link: https://www.econbiz.de/10014393056

FinTech and banks : strategic partnerships that circumvent state usury laws

Elliehausen, Gregory E.; Hannon, Simona M. - 2023

Persistent link: https://www.econbiz.de/10014377677