Markets for consumer financial services are growing rapidly in low-and middle-income
countries and are being transformed by digital technologies and platforms. With growth and …

The growth of the availability and use of detailed household financial transaction micro data
has dramatically expanded the ability of researchers to understand both household decision …

We study how individuals repay their debt using linked data on multiple credit cards.
Repayments are not allocated to the higher interest rate card, which would minimize the cost …

For generations, contract scholars have waged a faint-hearted campaign against form
contracts. It's widely believed that adhesive forms are unread and chock-full of terms that …

We randomized 5,243 US individuals in poverty to receive a one-time unconditional cash
transfer (UCT) of $2,000 (two months' worth of total household income for the median …

Consumer over-indebtedness has increased globally in recent decades, along with
consumer credit. This article presents a systematic literature review on the topic of consumer …

This paper exploits a natural experiment in information provision on US Disability Insurance
(DI) applications: the Social Security statement. Although the effect of the statement on DI …

State constitutional law is in the spotlight. As federal courts retrench on abortion, democracy,
and more, state constitutions are defining rights across the nation. Despite intermittent calls …

We connect various streams of academic literature to analyze how alternative competition
and regulatory policies may affect the development of digital financial services, and …

The booming consumer finance sector has grappled with internal and external challenges,
which call forth strong regulatory responses to financial consumer protection (FCP). Existing …