Factors affecting the location of payday lending and traditional banking services in North Carolina

Review of Regional Studies

Volumn 34, Issue 2, 2004, Pages 191-205

  Burkey, Mark L ^a   Simkins, Scott P ^a  

^a NORTH CAROLINA A AND T STATE UNIVERSITY   (United States)

Author keywords

Fringe banking; Location analysis; Payday lending

Indexed keywords

BANKING; INDUSTRIAL LOCATION; RACE; REGRESSION ANALYSIS; SERVICE PROVISION;

EID: 26944432990     PISSN: 0048749X     EISSN: 0048749X     Source Type: Journal    
DOI: None     Document Type: Article

References (13)

1. Anselin, L., 2003. Personal interview, University of Illinois, Urbana-Champaign, July.
2. Avery, R.B., R.W. Bostic, P.S. Calem, and G.B. Canner, 1997. "Changes in the Distribution of Banking Offices," Federal Reserve Bulletin September, 707-725.
3. Christensen, O.F., J. Møller, and R.P. Waagepetersen, 2000. "Analysis of Spatial Data Using Generalized Linear Mixed Models and Langevin-Type Markov Chain Monte Carlo," Research Report R-00-2009: Aalborg University.
4. Consumer Federation of America and U.S. Public Interest Research Group (CFA/PIRG), 2001. "Rent-a-Bank Payday Lending: How Banks Help Payday Lenders Evade State Consumer Protections," The 2001 Payday Lender Surveys and Report. Available at: http://www.pirg.org/reports/consumer/payday/2001/, March.
5. Elliehausen, G. and E.C. Lawrence, 2001. "Payday Advance Credit in America: An Analysis of Consumer Demand," Monograph No. 35, Credit Research Center, Georgetown University, McDonough School of Business: Washington, D.C. Available at: http://www.cfsa.net/mediares/Reports/GeorgetownStudy.pdf, March.
6. Ernst, K., J. Farris, and U. King, 2003. "Quantifying the Economic Cost of Predatory Payday Lending," Center for Responsible Lending Working Paper: Chapel Hill. Available at: http://www.responsiblelending.org/pdfs/CRLpaydaylendingstudy121803.pdf, January.
7. Gruenewald, P., 2004. Personal interview, Vancouver, B.C., Canada, June.
8. Kidd, R.W., 2004. "On the Outside Looking In," Region Focus Summer, Federal Reserve Bank of Richmond. Available at: http://www.rich.frb.org/pubs/region focus/summer04/ontheoutside.html, January.
9. Kolb, A., 1999. "The Spatial Analysis of Bank and Check-Cashing Locations in Charlotte, NC." University of North Carolina, Center for Community Capitalism Working Paper: Chapel Hill, NC.
10. North Carolina Commissioner of Banks, 2001. "Report to the General Assembly on the Subject of Payday Lending." Available at: http://www.banking.state.nc.us/reports/ccfmal.pdf, January.
11. Stegman, M.A. and R. Faris, 2003. "Payday Lending: A Business Model that Encourages Chronic Borrowing," Economic Development Quarterly 17(l), 8-32.
12. Tanoue, D., 2000. "Speech Before the Seventh Annual Greenlining Economic Development Summit." Available at: http://www.fdic.gov/news/news/speeches/archives/2000/sp13June00.html, January.
13. Tillet, D. and L. Handlin, 2003. "Tapping The Potential of the Unbanked - Private Sector Interest Increases," Chicago Fed Letter 185a (January), Federal Reserve Bank of Chicago. Available at: http://www.chicagofed.org/publications/fedletter/2003/ cfljan2003-185a.pdf, January.