Classification situations: Life-chances in the neoliberal era

Accounting, Organizations and Society

Volumn 38, Issue 8, 2013, Pages 559-572

  Fourcade, Marion ^a   Healy, Kieran ^b  

^a UNIVERSITY OF CALIFORNIA   (United States)

^b DUKE UNIVERSITY   (United States)

Author keywords

[No Author keywords available]

Indexed keywords

EID: 84888436708     PISSN: 03613682     EISSN: None     Source Type: Journal    
DOI: 10.1016/j.aos.2013.11.002     Document Type: Article

References (110)

1. Anderson E. Experts, ideas, and policy change: The Russell Sage Foundation and small loan reform, 1909-1941. Theory and Society 2008, 37(3):271-310.
2. Bauman Z. Liquid modernity 2000, Polity Press, Cambridge.
3. Bay C. Framing financial responsibility: An analysis of the limitations of accounting. Critical Perspectives on Accounting 2011, 22(6):593-607.
4. Becker G.S. The economics of discrimination 1971, University of Chicago Press.
5. Bell D. The cultural contradictions of capitalism 1996, Basic Books.
6. Bertrand M., Morse A. Information disclosure, cognitive biases, and payday borrowing. Journal of Finance 2011, 66(6):1865-1893.
7. Bourdieu P. Distinction: A social critique of the judgement of taste 1984, Harvard University Press.
8. Bourdieu P. The social structures of the economy 2005, Princeton University Press, Princeton, NJ.
9. Bourdieu P., Boltanski L., Chamboredon J.C. La Banque et sa clientèle 1963, Centre de sociologie européenne, Paris.
10. Bowker G.C., Star S.L. Sorting things out: Classification and its consequences 2000, The MIT Press.
11. Breen, R. (2005). Foundations of a neo-Weberian class analysis. In E. O. Wright (Ed.), Approaches to class analysis (pp. 31-50). Cambridge: Cambridge University Press.
12. Burchell, G., Gordon, C., & Miller, P. (1991). The foucault effect: Studies in governmentality (1st ed.). University Of Chicago Press.
13. Caplovitz D. The poor pay more: Consumer practices of low-income families 1963, Free Press of Glencoe.
14. Carrns, A. (2012, November 6). Secrets of high credit scorers. New York Times (p. B4).
15. Carruthers B. From uncertainty toward risk: The case of credit ratings. Socio-Economic Review 2013, 1-27.
16. Carruthers B., Cohen B. Noter le crédit: Classification et Cognition aux Etats-Unis. Genèses 2010, 2(79):48-73.
17. Carruthers B.G., Guinnane T.W., Lee Y. Bringing "honest capital" to poor borrowers: The passage of the U.S. Uniform Small Loan Law, 1907-1930. Journal of Interdisciplinary History 2012, 42(3):393-418.
18. Caskey J.P. Fringe banking: Check-cashing outlets, pawnshops, and the poor 1994, Russell Sage Foundation.
19. Cohen-Cole E. Credit card redlining. Review of Economics and Statistics 2011, 93(2):700-713.
20. Collins P.H. Black feminist thought: Knowledge, consciousness and the politics of empowerment 1990, HarperCollins Publishers Ltd.
21. Conley, D. (1999). Being black, living the red. Race, wealth and social policy in America. University of California Press.
22. Cooper D.J., Sherer M.J. The value of corporate accounting reports: Arguments for a political economy of accounting. Accounting, Organizations and Society 1984, 9(3):207-232.
23. Desmond M. Eviction and the reproduction of urban poverty. American Journal of Sociology 2012, 118(1):88-133.
24. Dimaggio P.J., Powell W.W. The iron cage revisited: Institutional isomorphism and collective rationality in organizational fields. American Sociological Review 1983, 48(2):147-160.
25. Erikson R., Goldthorpe J.H. The constant flux: A study of class mobility in industrial societies 1993, Oxford University Press, Oxford.
26. Espeland W., Sauder M. Rankings and reactivity. How public measures recreate social worlds. American Journal of Sociology 2007, 113(1):1-40.
27. Espeland W., Stevens M. Commensuration as a social process. Annual Review of Sociology 1998, 24:312-343.
28. FDIC (2009a). National survey of unbanked and underbanked households. Federal Deposit Insurance Corporation.
29. FDIC (2009b). Survey of unbanked and underbanked households (report). Federal Deposit Insurance Corporation.
30. FINRA (2009). National financial capability study. Finra Investor Education Foundation.
31. Fligstein, N., & Goldstein, A. (2010). The anatomy of the mortgage securitization crisis. In M. Lounsbury & P. M. Hirsch (Eds.), Markets on trial: The economic sociology of the US financial crisis. Emerald Group Publishing Limited.
32. Foucault M. Discipline and punish: The birth of the prison 2012, Random House, New York, NY.
33. Fourcade, M., & Healy, K. (2013). Credit scores and the moralization of inequality. In Paper presented at the annual conference of the American Sociological Association (August).
34. FRB (2007). Report to congress on credit scoring and its effects on the availability and affordability of credit. Board of Governors of the Federal Reserve System.
35. Freund D.M.P. Colored property: State policy and white racial politics in suburban America 2010, University Of Chicago Press.
36. Fridman D. From rats to riches: Game playing and the production of the capitalist self. Qualitative Sociology 2010, 33(4):423-446.
37. FTC (2007). Credit-based insurance scores: impact on consumers of automobile insurance. A report to congress. Federal Trade Commission.
38. Furletti, M. (2002). An overview and history of credit reporting. Available at SSRN 927487.
39. Graeber D. Debt: The first 5,000 years 2010, Melville House.
40. Graves S.M. Landscapes of predation, landscapes of neglect: A location analysis of payday lenders and banks. The Professional Geographer 2003, 55(3):303-317.
41. Grow, B., & Epstein, K. (2007, May 21). The poverty business. Business Week.
42. Gruenstein Bocian, D., Li, W., Reid, C., & Quercia, R. (2012). Lost ground, 2011: Disparities in mortgage lending and foreclosure. Center for Responsible Lending.
43. Grusky D.B., Sørensen J.B. Can class analysis be salvaged?. American Journal of Sociology 1998, 103(5):1187-1234.
44. Guseva A., Rona-Tas A. Uncertainty, risk, and trust: Russian and American credit card markets compared. American Sociological Review 2001, 623-646.
45. Hacker, J. S. (2008). The great risk shift: The new economic insecurity and the decline of the American Dream, rev. and exp. ed. m.
46. Hacking, I. (1986). Making up people. In T. Heller, M. Sosna, & D. Wellberry (Eds.), Reconstructing individualism: Autonomy, individuality, and the self in Western thought (pp. 222-236). Stanford, CA: Stanford University Press.
47. Hall P.A., Soskice D.W. Varieties of capitalism: The institutional foundations of comparative advantage 2001, Wiley Online Library.
48. Harvey, D. (2007). The limits to capital (Updated ed.). Verso.
49. Haveman H., Rao H. Structuring a theory of moral sentiments: Institutional and organizational coevolution in the early thrift industry. American Journal of Sociology 1997, 102:1606-1651.
50. Hilsenrath, J. (2012, June 19). Fed wrestles with how best to bridge U.S. Credit Divide. Wall Street Journal.
51. Hopwood A. Accounting and the pursuit of efficiency 1994, Sage, London.
52. Hsia D.C. Credit scoring and the equal credit opportunity act. Hastings LJ 1978, 30:371.
53. Hyman, L. (2011). Debtor nation: The history of America in red ink. Princeton, NJ: Princeton University Press.
54. Krippner G.R. Capitalizing on crisis: The political origins of the rise of finance 2012, Harvard University Press.
55. Langley P. The everyday life of global finance: Saving and borrowing in Anglo-America 2009, Oxford University Press, Oxford.
56. Lazarus J. L'épreuve du crédit: Banques, banquiers, clients 2012, Calmann-Lévy, Paris.
57. Leyshon A., Thrift N. Geographies of financial exclusion: Financial abandonment in Britain and the United States. Transactions of the Institute of British Geographers 1995, 312-341.
58. Leyshon A., Thrift N. Lists come alive: Electronic systems of knowledge and the rise of credit-scoring in retail banking. Economy and Society 1999, 28(3):434-466.
59. Loveman, M. (forthcoming). National colors: Racial classification and the state in Latin America. Oxford University Press.
60. Lusardi, A. (2011). Americans' financial capability. NBER working paper, 14808.
61. Lusardi, A., & Tufano, P. (2009). Debt literacy, financial experiences, and overindebtedness. NBER working paper, 17107.
62. Marron D. 'Lending by numbers': Credit scoring and the constitution of risk within American consumer credit. Economy and Society 2007, 36(1):103-133.
63. Marron D. Consumer credit in the United States: A sociological perspective from the 19th century to the present 2009, Palgrave Macmillan.
64. Marx K. Capital 1981, Vol. III. Penguin, Harmondsworth.
65. Massey D.S. Categorically unequal: The American stratification system 2008, Russell Sage Foundation Publications.
66. Melzer B.T. The real costs of credit access: Evidence from the payday lending market*. The Quarterly Journal of Economics 2011, 126(1):517-555.
67. Mian A., Sufi A. The consequences of mortgage credit expansion: Evidence from the US mortgage default crisis. The Quarterly Journal of Economics 2009, 124(4):1449-1496.
68. Mikes A. Risk management and calculative cultures. Management Accounting Research 2009, 20(1):18-40.
69. Miller P. Accounting and objectivity: The invention of calculating selves and calculable spaces. Annals of Scholarship 1992, 9(1/2):61-86.
70. Miller M.J. Credit reporting systems and the international economy 2003, The MIT Press.
71. Miller P., O'Leary T. Accounting and the construction of the governable person. Accounting, Organizations and Society 1987, 12(3):235-265.
72. Muniesa F., Millo Y., Callon M. An introduction to market devices. The Sociological Review 2007, 55:1-12.
73. Newman K., Chen V.T. The missing class: Portraits of the near poor in America 2007, Beacon Press, Boston.
74. Oliver, M., & Shapiro, T. (2006). Black wealth/white wealth: A new perspective on racial inequality. Routledge.
75. Pager D. Marked: Race, crime, and finding work in an era of mass incarceration 2007, University of Chicago Press.
76. Poon M. Scorecards as devices for consumer credit: The case of Fair, Isaac & Company Incorporated. The Sociological Review 2007, 55:284-306.
77. Poon M. From new deal institutions to capital markets: Commercial consumer risk scores and the making of subprime mortgage finance. Accounting, Organizations and Society 2009, 34(5):654-674.
78. Poon, M. (2013). Statistically discriminating without discrimination. Working paper. London School of Economics.
79. Porter T. Trust in numbers. The pursuit of objectivity in science and public life 1995, Princeton University Press, Princeton, NJ.
80. Power M. Organized uncertainty: Designing a world of risk management 2011, Oxford University Press, Oxford.
81. Prasad M. The land of too much: American abundance and the paradox of poverty 2013, Harvard University Press.
82. Quinn, S. L. (2011). Government policy, housing, and the origins of securitization, 1780-1968. PhD Dissertation, Department of Sociology, University of California, Berkeley.
83. Reskin B. The race discrimination system. Annual Review of Sociology 2012, 38:17-35.
84. Roy A. Poverty capital: Microfinance and the making of development 2010, Taylor & Francis.
85. Ruef M., Patterson K. Credit and classification: The impact of industry boundaries in nineteenth-century America. Administrative Science Quarterly 2009, 54(3):486-520.
86. Schneider, D., & Tufano, P. (2007). New savings from old innovations: Asset building for the less affluent. Financing low-income communities: Models, obstacles and future directions. New York: Russell Sage.
87. Schor, P. (2009). Compter et classer: Histoire des recensements Américains. Editions de l'Ecole Pratiques de Hautes Etudes en Sciences Sociales.
88. Scott J.C. Seeing like a state: How certain schemes to improve the human condition have failed 1999, Yale University Press.
89. Sherman, M. (2009). A short history of financial deregulation in the United States. CEPR report (July).
90. Silver-Greenberg, J. (2012). Perfect 10? Never mind that. Ask her for her credit score (p. A1). New York Times.
91. Skeel, D. A. (2001). Debt's dominion: A history of bankruptcy law in America. Princeton University Press.
92. Skiba, P., & Tobacman, J. (2009). Do payday loans cause bankruptcy? Vanderbilt Law and Economics Research Paper, 11-13).
93. Soederberg S. The US debtfare state and the credit card industry: Forging spaces of dispossession. Antipode 2012, 45(2):493-512.
94. Starr P. Social categories and claims in the liberal state. Social Research 1992, 59(2):263-295.
95. Steensland, B. (2010). Moral classification and social policy. In S. Hitlin, & S. Vaisey (Eds.), The handbook on the sociology of morality (pp. 455-68). New York, NY: Springer.
96. Stegman M.A., Faris R. Payday lending: A business model that encourages chronic borrowing. Economic Development Quarterly 2003, 17(1):8-32.
97. Sullivan, T. A., Westbrook, J. L., & Warren, E. (1999). As we forgive our debtors: Bankruptcy and consumer credit in America. Beard Books.
98. Sullivan T.A., Warren E., Westbrook J.L. Less stigma or more financial distress: An empirical analysis of the extraordinary increase in bankruptcy filings. Stanford Law Review 2006, 59(2):213-256.
99. Tilly C. Durable inequality 1999, University of California Press.
100. Trumbull G. Credit access and social welfare: The rise of consumer lending in the United States and France. Politics & Society 2012, 40(1):9-34.
101. Vargha Z. From long-term savings to instant mortgages: Financial demonstration and the role of interaction in markets. Organization 2011, 18(2):215-235.
102. Venkatesh S.A. Off the books: The underground economy of the urban poor 2008, Harvard University Press.
103. Wacquant L. Punishing the poor: The neoliberal government of social insecurity 2009, Duke University Press.
104. Weber M. Economy and society: An outline of interpretive sociology 1978, Vol. 1. University of California Press, Berkeley.
105. Weber M. Economy and society: An outline of interpretive sociology 1978, Vol. 2. University of California Press, Berkeley.
106. Weller C. Credit access, the costs of credit and credit market discrimination. The Review of Black Political Economy 2009, 36(1):7-28.
107. Weller C. Unburdening America's middle class. Challenge 2012, 55(1):23-52.
108. Wolff E.N. Rising profitability and the middle class squeeze. Science & Society 2010, 74(3):429-449.
109. Wolff, E. N. (2012). The asset price meltdown and the wealth of the middle class. NBER working paper, 18559.
110. Wright E.O. Classes 1985, Verso London.