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he Credit Crunch – Are credit unions able to ride out the storm?
credit crunch credit unions Republic of Ireland and deposit protection schemes United Kingdom United States of America
2011/8/22
Credit unions are financial co-operatives that conduct their business for their members. The principal purpose of a credit union is to receive deposits from and make loans to members. They do not serv...
So You Want to Be Debt Free
debt-free lifestyle Financial advisors cash value personal financing device
2011/8/22
Increasing numbers of Americans are attracted to the idea of a debt-free lifestyle; however, this is not as simple as it sounds. Financial advisors who understand and who can talk about using cash val...
STRUCTURAL CHANGE IN THE RESEARCH AND EXPERIMENTATION TAX CREDIT: SUCCESS OR FAILURE?
research and development research and experimentation tax credit tax credits tax incentives
2011/8/22
This study examines the availability and incentive effects of the Research and Experimentation tax credit following structural changes in the computation of the credit enacted in the Omnibus Budget Re...
Do Credit Card Users Systematically Underestimate Their Interest Rates? Evidence from the Survey of Consumer Finances
bias credit cards interest rate optimism penalty rate
2011/8/22
This study examines credit card penalty pricing using data from the Survey of Consumer Finances. In particular, the author uses a flag in the data set for the first time to analyze bias in reported cr...
Credit Contagion from Counterparty Risk
Standard credit risk models observed clustering of default credit contagion direct counterparty effects
2011/8/22
Standard credit risk models cannot explain the observed clustering of default, sometimes described as “credit contagion.” This paper provides the first empirical analysis of credit contagion via direc...
Free Lunch: Arbitrage Profits Associated with Credit Cards
presents information credit card availability of arbitrage profits introductory balance transfer offers
2011/8/22
This article presents information about recent changes in credit card contracts and discusses the availability of arbitrage profits on introductory balance transfer offers. The article also reviews li...
While much is known about the characteristics of consumers or businesses that obtain credit lines, relatively little is known empirically about credit line utilization after origination. This study fi...
Beyond Disparate Impact: Risk-based Pricing and Disparity in Consumer Credit History Scores
Credit scoring Risk-based pricing expanding range of activities
2011/8/22
Despite the increasing importance of credit scoring to an expanding range of activities, very little is known about the nature of the credit scoring process. This article examines the interaction of c...
The value of credit card benefits
various economic incentives credit card cash payment float
2011/8/22
Banks offer various economic incentives to customers to pay with their credit card rather than cash. Still, many individuals either elect to pay with cash or are unable to acquire credit cards. What b...
Do Credit Cards Really Reduce Aggregate Money Holdings?
Aggregate money holdings Credit card
2011/8/22
This paper discusses whether the use of credit cards reduces aggregate money holdings in an economy. Applying and modifying the Baumol-Tobin model (Baumol Quarterly Journal of Economics 66:545-556, an...
Analyst Following and Credit Ratings
relation issuer credit ratings the monitoring informational roles
2011/8/22
This paper examines the relation between financial (equity) analyst following and default risk, which we proxy by issuer credit ratings. We hypothesize that analyst following reduces default risk beca...
The Importance of Adverse Selection in the Credit Card Market: Evidence from Randomized Trials of Credit Card Solicitations
adverse selection consumer credit credit cards household finance
2011/8/22
Analyzing unique data from multiple large-scale randomized marketing trials of preapproved credit card solicitations by a large financial institution, we find that consumers responding to the lender's...
DOES A HIGHER MINIMUM WAGE ENHANCE THE EFFECTIVENESS OF THE EARNED INCOME TAX CREDIT?
interactions minimum wages policy variation Current Population Survey
2011/8/22
The authors estimate the effects of the interactions between the Earned Income Tax Credit (EITC) and minimum wages on labor market outcomes. They use information on policy variation from the Departmen...
Credit Access, the Costs of Credit and Credit Market Discrimination
Bank credit Debt payments Discrimination Household credit Interest rates Loan denials
2011/8/22
Since the early 1990s, credit expanded relative to income, especially after 2001. It is hypothesized that traditionally uneven credit access and gaps in the costs of credit by demographic characterist...
Personal Bankruptcy and Credit Market Competition
personal bankruptcy rates exogenous variation market contestability lending productivity
2011/8/22
We document a link between U.S. credit supply and rising personal bankruptcy rates. We exploit the exogenous variation in market contestability brought on by banking deregulation—the relaxation of ent...