-
1
-
-
84919656037
-
-
Agarwal, S., & Bos, M. (2011). Rationality in the consumer credit market: Choosing between alternative and mainstream credit. Retrieved from http://ssrn.com/abstract=1978574
-
(2011)
-
-
Agarwal, S.1
-
2
-
-
84919679873
-
Perspectives on payday loans: The evidence from Florida
-
Anderson, M. H., & Jackson, R. (2010). Perspectives on payday loans: The evidence from Florida. Review of Business Research, 10, 154–161.
-
(2010)
Review of Business Research
, vol.10
, pp. 154-161
-
-
Anderson, M.H.1
Jackson, R.2
-
4
-
-
84919656036
-
-
Appalachian Lending Corporation. (n.d.). Frequently asked questions about our payday advance loans. Retrieved from http://www.appalachianlending.com/faq/
-
-
-
-
5
-
-
84919656035
-
-
Bair, S. (2005). Low-cost payday loans: Opportunities and obstacles. Baltimore, MD: Annie E. Casey Foundation. Retrieved from https://folio.iupui.edu/bitstream/handle/10244/101/FEs3622H334.pdf?sequence=1
-
(2005)
-
-
Bair, S.1
-
6
-
-
84856352256
-
Black church sponsorship of economic programs: A test of survival and liberation strategies
-
Barnes, S. L. (2011). Black church sponsorship of economic programs: A test of survival and liberation strategies. Review of Religious Research, 53(1), 23–40.
-
(2011)
Review of Religious Research
, vol.53
, Issue.1
, pp. 23-40
-
-
Barnes, S.L.1
-
7
-
-
84919656034
-
-
Barr, M. S. (2004). Banking the poor. Yale Journal on Regulation, 21, 121–237. Retrieved from http://repository.law.umich.edu/cgi/viewcontent.cgi?article=1061&context=articles
-
(2004)
-
-
Barr, M.S.1
-
8
-
-
81255191663
-
Information disclosure, cognitive biases, and payday borrowing
-
Bertrand, M., & Morse, A. (2011). Information disclosure, cognitive biases, and payday borrowing. Journal of Finance, 66(6), 1865–1893.
-
(2011)
Journal of Finance
, vol.66
, Issue.6
, pp. 1865-1893
-
-
Bertrand, M.1
Morse, A.2
-
9
-
-
84887650721
-
-
Nashville, TN: Vanderbilt University Law School
-
Bhutta, N., Skiba, P. M., & Tobacman, J. (2013). Payday loan choices and consequences (Law & Economics Working Paper #12–30). Nashville, TN: Vanderbilt University Law School.
-
(2013)
Payday loan choices and consequences(Law & Economics Working Paper #12–30)
-
-
Bhutta, N.1
Skiba, P.M.2
Tobacman, J.3
-
10
-
-
84867094895
-
The financial credit profile of low-income families seeking assets
-
Birkenmaier, J., Curley, J., & Kelly, P. (2011). The financial credit profile of low-income families seeking assets. Journal of Financial Therapy, 2(2), 68–85.
-
(2011)
Journal of Financial Therapy
, vol.2
, Issue.2
, pp. 68-85
-
-
Birkenmaier, J.1
Curley, J.2
Kelly, P.3
-
11
-
-
33748376905
-
Affordable financial services and credit for the poor: The foundation of asset building
-
Birkenmaier, J., & Tyuse, S. W. (2005). Affordable financial services and credit for the poor: The foundation of asset building. Journal of Community Practice, 13(1), 69–85. doi:10.1300/J125v13n01_05
-
(2005)
Journal of Community Practice
, vol.13
, Issue.1
, pp. 69-85
-
-
Birkenmaier, J.1
Tyuse, S.W.2
-
13
-
-
84919656032
-
-
Campbell, D., Martinez-Jerez, A., & Tufano, P. (2008). Bouncing out of the banking system: An empirical analysis of involuntary bank account closures (Working Paper). Boston, MA: Harvard University. Retrieved from http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1335873
-
(2008)
-
-
Campbell, D.1
-
14
-
-
79951803207
-
Consumer financial protection
-
Campbell, J. Y., Jackson, H. E., Madrian, B. C., & Tufano, P. (2011). Consumer financial protection. Journal of Economic Perspectives, 25(1), 91–114. doi:10.1257/jep.25.1.91
-
(2011)
Journal of Economic Perspectives
, vol.25
, Issue.1
, pp. 91-114
-
-
Campbell, J.Y.1
Jackson, H.E.2
Madrian, B.C.3
Tufano, P.4
-
16
-
-
33845952555
-
Fringe banking and the rise of payday lending
-
Bolton P., Rosenthal H., (eds), In, Eds., pp., New York, NY: Russell Sage Foundation
-
Caskey, J. P. (2005). Fringe banking and the rise of payday lending. In P. Bolton & H. Rosenthal (Eds.), Credit markets for the poor (pp. 17–45). New York, NY: Russell Sage Foundation.
-
(2005)
Credit markets for the poor
, pp. 17-45
-
-
Caskey, J.P.1
-
19
-
-
84919656029
-
-
Durham, NC: Author
-
Center for Responsible Lending. (2010a). Comments of the Center for Responsible Lending on the notice of proposed rulemaking on short-term, small amount loans, National Credit Union Association, 12 CFR Part 701, RIN 3133-AD71 (CRL Issue Brief). Durham, NC: Author.
-
(2010)
Comments of the Center for Responsible Lending on the notice of proposed rulemaking on short-term, small amount loans, National Credit Union Association, 12 CFR Part 701, RIN 3133-AD71(CRL Issue Brief)
-
-
Center for Responsible Lending1
-
20
-
-
84919656028
-
-
Center for Responsible Lending. (2010b). NC payday – Overview – North Carolina Coalition for Responsible Lending. Retrieved from http://www.responsiblelending.org/north-carolina/nc-payday/
-
(2010)
-
-
-
21
-
-
84919656027
-
-
Center for Responsible Lending. (2012). Nine signs of a predatory payday loan. Retrieved from http://www.responsiblelending.org/payday-lending/tools-resources/ninesigns.html
-
(2012)
-
-
-
22
-
-
13544275845
-
Payday loans: The case for federal regulations
-
Chin, P. (2004). Payday loans: The case for federal regulations. University Illinois Law Review, 3, 723–754.
-
(2004)
University Illinois Law Review
, vol.3
, pp. 723-754
-
-
Chin, P.1
-
23
-
-
84919656026
-
-
Arlington, VA: Community Financial Services Association of America. (2012). CFSA >AboutthePaydayIndustry. Retrieved from http://cfsaa.com/aboutthepaydayindustry/mythvsreality.aspx
-
(2012)
-
-
-
24
-
-
79960848206
-
Minorities on the margins? The spatial organization of fringe banking services
-
Cover, J., Spring, A., & Kleit, R. (2011). Minorities on the margins? The spatial organization of fringe banking services. Journal of Urban Affairs, 33(3), 317–344.
-
(2011)
Journal of Urban Affairs
, vol.33
, Issue.3
, pp. 317-344
-
-
Cover, J.1
Spring, A.2
Kleit, R.3
-
26
-
-
0042459836
-
-
Washington, DC: Georgetown University, McDonough School of Business, Credit Research Center
-
Elliehausen, G., & Lawrence, E. C. (2001). Payday advance credit in America: An analysis of customer demand (Monograph no. 35). Washington, DC: Georgetown University, McDonough School of Business, Credit Research Center.
-
(2001)
Payday advance credit in America: An analysis of customer demand(Monograph no. 35)
-
-
Elliehausen, G.1
Lawrence, E.C.2
-
27
-
-
84919656025
-
-
Federal Deposit Insurance Corporation. (2009). FDIC national survey of unbanked and underbanked households. Retrieved from http://www.fdic.gov/householdsurvey/full_report.pdf
-
(2009)
-
-
-
28
-
-
84919656024
-
-
Ferman, B. (2012). Reading the fine print: Credit demand and information disclosure in Brazil. Cambridge, MA: Massachusetts Institute of Technology, Department of Economics. Retrieved from Mhttp://economics.mit.edu/files/7252
-
(2012)
-
-
Ferman, B.1
-
29
-
-
78649251485
-
Rollover, rollover: A behavioral law and economics analysis of the payday loan industry
-
Francis, K. E. (2010). Rollover, rollover: A behavioral law and economics analysis of the payday loan industry. Texas Law Review, 88(3), 611–638.
-
(2010)
Texas Law Review
, vol.88
, Issue.3
, pp. 611-638
-
-
Francis, K.E.1
-
30
-
-
84936628870
-
The contribution of rational choice theory to macrosociological research
-
Friedman, D., & Hechter, M. (1988). The contribution of rational choice theory to macrosociological research. Sociological Theory, 6(2), 201–218. doi:10.2307/202116
-
(1988)
Sociological Theory
, vol.6
, Issue.2
, pp. 201-218
-
-
Friedman, D.1
Hechter, M.2
-
31
-
-
0041887204
-
Landscapes of predation, landscapes of neglect: A location analysis of payday lenders and banks
-
Graves, S. M. (2003). Landscapes of predation, landscapes of neglect: A location analysis of payday lenders and banks. Professional Geographer, 55(3), 303–317.
-
(2003)
Professional Geographer
, vol.55
, Issue.3
, pp. 303-317
-
-
Graves, S.M.1
-
32
-
-
79953004082
-
Household borrowing after personal bankruptcy
-
Han, S., & Li, G. (2011). Household borrowing after personal bankruptcy. Journal of Money, Credit, and Banking, 43(2/3), 491–517.
-
(2011)
Journal of Money, Credit, and Banking
, vol.43
, Issue.2-3
, pp. 491-517
-
-
Han, S.1
Li, G.2
-
33
-
-
55649099945
-
-
NBER Working Paper No, Cambridge, MA: National Bureau of Economic Research
-
Hastings, J. S., & Tejeda-Ashton, L. (2008). Financial literacy, information, and demand elasticity: Survey and experimental evidence from Mexico (NBER Working Paper No. 14538). Cambridge, MA: National Bureau of Economic Research.
-
(2008)
Financial literacy, information, and demand elasticity: Survey and experimental evidence from Mexico
, vol.14538
-
-
Hastings, J.S.1
Tejeda-Ashton, L.2
-
34
-
-
28044445744
-
Household financial management: The connection between knowledge and behavior
-
Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Federal Reserve Bulletin, 89(7), 309–322.
-
(2003)
Federal Reserve Bulletin
, vol.89
, Issue.7
, pp. 309-322
-
-
Hilgert, M.A.1
Hogarth, J.M.2
Beverly, S.G.3
-
35
-
-
84919656023
-
-
IHS Global Insight Inc. (2009). Economic impact of the payday lending industry. Alexandria, VA: Community Financial Services Association of America. Retrieved from http://cfsaa.com/Portals/0/Policymakers/20090515_Research_IHS_EconomicImpactofPayday.pdf
-
(2009)
-
-
-
36
-
-
34248609329
-
Scamming the poor: The modern fringe economy
-
Karger, H. J. (2004). Scamming the poor: The modern fringe economy. Social Policy Journal, 3(1), 39–54.
-
(2004)
Social Policy Journal
, vol.3
, Issue.1
, pp. 39-54
-
-
Karger, H.J.1
-
37
-
-
85055305968
-
Credit and financial services in America’s fringe economy
-
Karger, H. J. (2005a). Credit and financial services in America’s fringe economy. Social Development Issues, 27(2), 86–101.
-
(2005)
Social Development Issues
, vol.27
, Issue.2
, pp. 86-101
-
-
Karger, H.J.1
-
39
-
-
75449117102
-
Expanding credit access: Using randomized supply decisions to estimate the impacts
-
Karlan, D., & Zinman, J. (2010). Expanding credit access: Using randomized supply decisions to estimate the impacts. Review of Financial Studies, 23(1), 433–464.
-
(2010)
Review of Financial Studies
, vol.23
, Issue.1
, pp. 433-464
-
-
Karlan, D.1
Zinman, J.2
-
40
-
-
84919694700
-
Payday lending: Can “reputable” banks end cycles of debt?
-
Kenneth, M. (2008). Payday lending: Can “reputable” banks end cycles of debt? University of San Francisco Law Review, 42, 659–714.
-
(2008)
University of San Francisco Law Review
, vol.42
, pp. 659-714
-
-
Kenneth, M.1
-
41
-
-
84919656022
-
-
King, U., & Parrish, L. (2007). Springing the debt trap: Rate caps are only proven payday lending reform. Durham, NC: Center for Responsible Lending. Retrieved from http://www.responsiblelending.org/payday-lending/policy-legislation/states/springing-the-debt-trap-exec-summary.pdf
-
(2007)
-
-
King, U.1
-
42
-
-
85044882626
-
Does fringe banking exacerbate neighborhood crime rates? Investigating the social ecology of payday lending
-
Kubrin, C. E., Squires, G. D., Graves, S. M., & Ousey, G. C. (2011). Does fringe banking exacerbate neighborhood crime rates? Investigating the social ecology of payday lending. Criminology & Public Policy, 10(2), 437–466.
-
(2011)
Criminology & Public Policy
, vol.10
, Issue.2
, pp. 437-466
-
-
Kubrin, C.E.1
Squires, G.D.2
Graves, S.M.3
Ousey, G.C.4
-
43
-
-
84868238889
-
Free tax assistance and the Earned Income Tax Credit: Vital resources for social workers and low-income families
-
Lim, Y., DeJohn, T. V., & Murray, T. (2012). Free tax assistance and the Earned Income Tax Credit: Vital resources for social workers and low-income families. Social Work, 57(2), 175–184. doi:10.1093/sw/sws035
-
(2012)
Social Work
, vol.57
, Issue.2
, pp. 175-184
-
-
Lim, Y.1
DeJohn, T.V.2
Murray, T.3
-
44
-
-
84919656021
-
-
Logan, A., & Weller, C. E. (2009). Who borrows from payday lenders? An analysis of newly available data. Washington, DC: Center for American Progress. Retrieved from http://www.americanprogress.org/issues/2009/03/pdf/payday_lending.pdf.
-
(2009)
-
-
Logan, A.1
-
45
-
-
84919656020
-
-
Lusardi, A., Schneider, D., & Tufano, P. (2011). Financially fragile households: Evidence and implications. Retrieved http://www.brookings.edu/˜/media/Files/Programs/ES/BPEA/2011_spring_bpea_papers/2011_spring_bpea_conference_lusardi.pdf
-
(2011)
-
-
Lusardi, A.1
-
46
-
-
84919656019
-
-
Lusardi, A., & Tufano, P. (2009). Debt literacy, financial experiences, and overdebtedness. Retrieved from http://www.dartmouth.edu/~alusardi/Papers/Lusardi_Tufano.pdf
-
(2009)
-
-
Lusardi, A.1
-
47
-
-
84919656018
-
-
Martin, N. (2010). 1,000% interest–good while supplies last: A study of payday loan practices and solutions. Arizona Law Review, 52, 563–622. Retrieved from http://www.arizonalawreview.org/pdf/52-3/52arizlrev563.pdf
-
(2010)
-
-
Martin, N.1
-
48
-
-
84919631072
-
High-interest loans and class: Do payday and title loans really serve the middle classes?
-
Martin, N., & Longa, E. (2012). High-interest loans and class: Do payday and title loans really serve the middle classes? Loyola Consumer Law Review, 24, 524–561.
-
(2012)
Loyola Consumer Law Review
, vol.24
, pp. 524-561
-
-
Martin, N.1
Longa, E.2
-
49
-
-
79955426257
-
The real costs of credit access: Evidence from the payday lending market
-
Melzer, B. T. (2011). The real costs of credit access: Evidence from the payday lending market. Quarterly Journal of Economics, 126(1), 517–555.
-
(2011)
Quarterly Journal of Economics
, vol.126
, Issue.1
, pp. 517-555
-
-
Melzer, B.T.1
-
50
-
-
84919656017
-
-
Morgan, D. P., & Strain, M. R. (2008). Payday holiday: How households fare after payday credit bans (Staff Report No. 309). New York, NY: Federal Reserve Bank of New York. Retrieved from http://www.newyorkfed.org/research/staff_reports/sr309.pdf
-
(2008)
-
-
Morgan, D.P.1
-
51
-
-
84860388856
-
Payday lenders: Heroes or Villains?
-
Morse, A. (2011). Payday lenders: Heroes or Villains? Journal of Financial Economics, 102, 28–44.
-
(2011)
Journal of Financial Economics
, vol.102
, pp. 28-44
-
-
Morse, A.1
-
52
-
-
84903095641
-
Savings policy and decisionmaking in low-income households
-
Barr M., Blank R., (eds), In, Eds., pp., New York, NY: Russell Sage Foundation Press
-
Mullainathan, S., & Shafir, E. (2011). Savings policy and decisionmaking in low-income households. In M. Barr & R. Blank (Eds.), Insufficient funds: Savings, assets, credit and banking among low-income households (pp. 121–145). New York, NY: Russell Sage Foundation Press.
-
(2011)
Insufficient funds: Savings, assets, credit and banking among low-income households
, pp. 121-145
-
-
Mullainathan, S.1
Shafir, E.2
-
53
-
-
84863302469
-
Product literacy and the economics of consumer protection policy
-
Pappalardo, J. K. (2012). Product literacy and the economics of consumer protection policy. Journal of Consumer Affairs, 46(2), 319–332.
-
(2012)
Journal of Consumer Affairs
, vol.46
, Issue.2
, pp. 319-332
-
-
Pappalardo, J.K.1
-
55
-
-
84919656016
-
-
Pindus, N., Kuehn, D., & Brash, R. (2010). State restrictions on small-dollar loans and financial services, 2004-2009: Summary, documentation, and data. Retrieved from http://www.urban.org/uploadedpdf/412305-State-Restrictions-on-Small-Dollar-Loans.pdf
-
(2010)
-
-
Pindus, N.1
-
56
-
-
84919694232
-
General systems theory
-
Sauber S., (ed), In, Ed., pp., New York, NY: Columbia University Press
-
Sauber, S. R. (1983). General systems theory. In S. Sauber (Ed.), The human services delivery system (pp. 52–85). New York, NY: Columbia University Press.
-
(1983)
The human services delivery system
, pp. 52-85
-
-
Sauber, S.R.1
-
57
-
-
84919656015
-
-
Skiba, P. M., & Tobacman, J. (2008). Payday loans, uncertainty, and discounting: Explaining patterns of borrowing, repayment, and default (Working Paper No. 08-33). Nashville, TN: Vanderbilt University Law School Law and Economics. Retrieved from http://ssrn.com/abstract=1319751
-
(2008)
-
-
Skiba, P.M.1
-
58
-
-
84919656014
-
-
Skiba, P. M., & Tobacman, J. (2011). Do payday loans cause bankruptcy? Philadelphia, PA: University of Pennsylvania, The Wharton School of Business & Public Policy. Retrieved from http://bpp.wharton.upenn.edu/tobacman/papers/rd.pdf
-
(2011)
-
-
Skiba, P.M.1
-
59
-
-
0037258920
-
Payday lending: A business model that encourages chronic borrowing
-
Stegman, M. A., & Faris, R. (2003). Payday lending: A business model that encourages chronic borrowing. Economic Development Quarterly, 17(8), 8–32.
-
(2003)
Economic Development Quarterly
, vol.17
, Issue.8
, pp. 8-32
-
-
Stegman, M.A.1
Faris, R.2
-
60
-
-
79251486031
-
Fuzzy math, disclosure regulation, and market outcomes: Evidence from Truth-in-Lending Reform
-
Stegno, V., & Zinman, J. (2011). Fuzzy math, disclosure regulation, and market outcomes: Evidence from Truth-in-Lending Reform. Review of Financial Studies, 24(2), 506–534.
-
(2011)
Review of Financial Studies
, vol.24
, Issue.2
, pp. 506-534
-
-
Stegno, V.1
Zinman, J.2
-
61
-
-
84919656013
-
-
Schneider, D., Using financial innovation to support savers: From coercion to excitement. Retrieved from
-
Tufano, P., & Schneider, D. (2008). Using financial innovation to support savers: From coercion to excitement. Retrieved from http://www.hbs.edu/faculty/Publication%20Files/08-075.pdf
-
(2008)
-
-
Tufano, P.1
-
62
-
-
84859018317
-
Deconstructing neoliberal community development approaches and a case for solidarity economy
-
Van Den Berkl-Clark, C., & Pyles, L. (2012). Deconstructing neoliberal community development approaches and a case for solidarity economy. Journal of Progressive Human Services, 23, 1–17.
-
(2012)
Journal of Progressive Human Services
, vol.23
, pp. 1-17
-
-
Van Den Berkl-Clark, C.1
Pyles, L.2
-
63
-
-
77957734068
-
An experimental analysis of the demand for payday loans
-
Wilson, B., Findlay, D., Meehan, J. J., Welford, C., & Schurter, K. (2010). An experimental analysis of the demand for payday loans. B.E. Journal of Economic Analysis & Policy, 10(1), 1–29.
-
(2010)
B.E. Journal of Economic Analysis & Policy
, vol.10
, Issue.1
, pp. 1-29
-
-
Wilson, B.1
Findlay, D.2
Meehan, J.J.3
Welford, C.4
Schurter, K.5
-
64
-
-
84919624429
-
Bank on Columbia
-
Wilson, L., & Meyers, H. (2008). Bank on Columbia. Business & Economic Review, 55(1), 8–10.
-
(2008)
Business & Economic Review
, vol.55
, Issue.1
, pp. 8-10
-
-
Wilson, L.1
Meyers, H.2
-
65
-
-
84919656012
-
-
Wright, K. (2011, April 25). A swamp of predatory lending drowns struggling neighborhoods. The Nation. Retrieved from http://colorlines.com/archives/2011/04/a_swamp_of_predatory_lending_is_drowning_black_and_brown_neighborhoods.html
-
(2011)
-
-
Wright, K.1
-
66
-
-
74149088475
-
Restricting consumer credit access: Household survey evidence on effects around the Oregon rate cap
-
Zinman, J. (2010). Restricting consumer credit access: Household survey evidence on effects around the Oregon rate cap. Journal of Banking and Finance, 34(3), 546–556.
-
(2010)
Journal of Banking and Finance
, vol.34
, Issue.3
, pp. 546-556
-
-
Zinman, J.1
|