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University of Toronto Law Journal, 2010
Consumer credit law was a hot topic for legal scholars during the 1970s and 1980s, but its attraction waned in the next two decades, no doubt due in part to the dampening effect of the law and economics movement on government intervention and its advocacy. However, the last five years have seen a resurgence of scholarly interest in consumer credit law.
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Consumer credit law was a hot topic for legal scholars during the 1970s and 1980s, but its attraction waned in the next two decades, no doubt due in part to the dampening effect of the law and economics movement on government intervention and its advocacy. However, the last five years have seen a resurgence of scholarly interest in consumer credit law.
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Consumer Rationality and Credit Cards
Journal of Political Economy, 1995Borrowing on credit cards at high interest rates might appear irrational. However, even low transactions costs can make credit cards attractive relative to bank loans. Credit cards also provide liquidity services by allowing consumers to avoid some of the opportunity costs of holding money.
Brito, Dagobert L, Hartley, Peter R
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2018
Abstract This chapter focuses on the regulation of consumer credit in the UK. It first traces the history of the regulatory framework for moneylending, with particular emphasis on the Consumer Credit Act 1974 (CCA 1974) and the Financial Services Act 2012, the latter of which led to the transfer of consumer credit regulation to the ...
George Walker +2 more
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Abstract This chapter focuses on the regulation of consumer credit in the UK. It first traces the history of the regulatory framework for moneylending, with particular emphasis on the Consumer Credit Act 1974 (CCA 1974) and the Financial Services Act 2012, the latter of which led to the transfer of consumer credit regulation to the ...
George Walker +2 more
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Consumer Credit Insurance in Nebraska
The Journal of Finance, 1960SINCE WORLD WAR II, there has been a very rapid increase in the use of life and disability insurance in connection with consumer credit transactions. This special type of insurance, called "consumer credit insurance," names the credit-granting institution as the first beneficiary and provides that an insured person's debt will be paid in full if he ...
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Consumer Credit Reporting Data
SSRN Electronic JournalSince the 2000s, economists across fields have increasingly used consumer credit reporting data for research. We introduce readers to the economics of and the institutional details of these data. Using examples from the literature, we provide practical guidance on how to use these data to construct economic measures of borrowing, consumption, credit ...
Gibbs, Christa +5 more
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Credit offering strategy and dynamic pricing in the presence of consumer strategic behavior
European Journal of Operational Research, 2022Yong Zha, Quan Li
exaly
Elasticities of demand for consumer credit [PDF]
, 2005 The price elasticity of demand for credit has major implications for macroeconomics, finance, and development. We present estimates of this parameter derived from a randomized trial. The experiment was implemented by a consumer microfinance lender in South Africa and identifies demand curves that, while downward-sloping with respect to price, are ...
Dean Karlan, Jonathan Zinman
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Platform supply chain pricing and financing: Who benefits from e-commerce consumer credit?
International Journal of Production Economics, 2021Jiaping Xie, Lihong Wei
exaly