Zobrazeno 1 - 10
of 25
pro vyhledávání: '"Gregory E. Elliehausen"'
Publikováno v:
Finance and Economics Discussion Series. 2021:1-42
Arkansas has been a popular place to study the effects of rate ceilings because of its exceptionally low interest rate ceiling. This paper examines the effects of the Arkansas rate ceiling on credit use by risky nonprime Arkansas consumers, which are
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::703d28cc824d3f23cd78cea6e37f297f
https://doi.org/10.17016/feds.2021.045
https://doi.org/10.17016/feds.2021.045
Publikováno v:
Economic Inquiry. 58:1577-1613
We summarize the current debate surrounding four small‐dollar credit products: pawn loans, vehicle title loans, payday loans, and cash installment loans from finance companies. We review the contributions of scholars that inform this debate. We und
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::ff49f5625ca8c0e37f402d585d4191ed
https://doi.org/10.1111/ecin.12894
https://doi.org/10.1111/ecin.12894
Autor:
Gregory E. Elliehausen, Lisa Chen
Publikováno v:
FEDS Notes. 2020
Interest includes compensation not only for forbearance (forgoing current income for future income) and risk bearing but also compensation for expenses incurred to originate, service, and collect loans. The latter expenses are largely fixed, not vary
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::9f2956f0fe3c8345ffd505ed2caebb9c
https://doi.org/10.17016/2380-7172.2610
https://doi.org/10.17016/2380-7172.2610
Autor:
Gregory E. Elliehausen, Simona Hannon
Publikováno v:
Journal of Financial Intermediation. 34:109-119
The Credit Card Accountability and Disclosure Act (CARD Act) of 2009 restricted several risk management practices of credit card issuers. Using a quasi-experimental design with credit bureau data on consumer lending, we find evidence consistent with
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::d08e68519760799176d1a70a3fac0b1e
https://doi.org/10.1016/j.jfi.2018.01.007
https://doi.org/10.1016/j.jfi.2018.01.007
Publikováno v:
The Quarterly Review of Economics and Finance. 64:94-107
The debt trap hypothesis implicates payday loans as a factor exacerbating consumers’ financial distress. Accordingly, restricting access to payday loans would be expected to reduce delinquencies on mainstream credit products. We test this implicati
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::a5cb3ab0646018c8b94deb0bd9e1fc45
https://doi.org/10.1016/j.qref.2016.07.004
https://doi.org/10.1016/j.qref.2016.07.004
Publikováno v:
Federal Reserve Bulletin. 104
Finance companies are nondepository financial firms whose primary business is providing debt and lease financing to consumers and businesses. This article reports findings from a Federal Reserve survey of the assets and liabilities of finance compani
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::6b29c863fa7117fd8e008b064dce7dee
https://doi.org/10.17016/bulletin.2018.104-3
https://doi.org/10.17016/bulletin.2018.104-3
Publikováno v:
Finance and Economics Discussion Series. 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 penetratio
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_dedup___::ae370e33becd3f6759c2419173c852ee
https://doi.org/10.17016/feds.2017.122
https://doi.org/10.17016/feds.2017.122
Publikováno v:
The Journal of Real Estate Finance and Economics. 47:391-415
This study analyzes the effects of state bankruptcy asset exemptions and foreclosure laws on mortgage default and foreclosure rates across different segments of the mortgage market. We found that the effects of these legal provisions are larger for s
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::6e6cf91107e0d172c4041999b4adeda7
https://doi.org/10.1007/s11146-012-9366-z
https://doi.org/10.1007/s11146-012-9366-z
Publikováno v:
Consumer Credit and the American Economy
1. Introduction and Overview of Consumer Credit: Development, Uses, Kinds, and Policy Issues 2. Consumer Credit in the Postwar Era 3. The Demand for Consumer Credit 4. Behavioral Analysis and the Demand for Consumer Credit 5. The Supply of Consumer C
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::a2c3ad9e7f8a1a88935ed998a27beaad
https://doi.org/10.1093/acprof:oso/9780195169928.001.0001
https://doi.org/10.1093/acprof:oso/9780195169928.001.0001
Publikováno v:
SSRN Electronic Journal.
Research conducted many years ago that indicated substantial cost economies of loan size in consumer lending. This finding implies that low interest rate ceilings make small loan sizes unprofitable and will not be available in the marketplace. Furthe
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::754d3e3acff7ecbfda4598057bace820
https://doi.org/10.2139/ssrn.2533143
https://doi.org/10.2139/ssrn.2533143