I show that rules designed to reduce high debt-to-income mortgage lending restrict self-
employed households' access to credit and reduce entrepreneurship. I identify the effects of …

I show that policies restricting the ratio of mortgage payments to income are particularly
costly for self-employed workers. I identify these effects using local variation in exposure to …

Regulation of contracts plays an important role in US financial markets. We estimate the
costs of complying with contract regulation by exploiting the rich cross-sectional and time …

I analyze a general model of consumer behavioral biases and firms' equilibrium reactions to
them, in which I nest several different biases such as self-control issues, overconfidence …

At present, the new type of agricultural management subject is developing vigorously and is
the most potential and dynamic subject in the rural economy in the new era. In addition to …