We thank the editor, Robert DeYoung, an anonymous referee, Todd Gormley, Mark Jenkins, Paul Landefeld, Donald Morgan, Nick Roussanov, Luke Taylor, and Jeremy Tobacman for helpful feedback, along with seminar participants during the Wharton School, the GW/FRB/GFLEC Financial Literacy Seminar while the Consumer Expenditure Survey Microdata Workshop. I will be grateful to Jimmy Lee, Ryan Pfirrmann‐Powell, Geoffrey Paulin, Arcenis Rojas, as well as others when you look at the Division of this Consumer Expenditure Survey in the Bureau of Labor Statistics for help accessing the Consumer that is confidential Expenditure files, and I also have always been grateful to Paul Amos for the Wharton GIS lab for help with GIS. The Jay H. Baker Retailing Center during the Wharton class providedan anonymous referee, Todd Gormley, Mark Jenkins, Paul Landefeld, Donald Morgan, Nick Roussanov, Luke Taylor, and Jeremy Tobacman for helpful responses, in addition to seminar participants during the Wharton class, the GW/FRB/GFLEC Financial Literacy Seminar additionally the C Reserve System, its people, or its staff
We thank the editor, Robert DeYoung, an anonymous referee, Todd Gormley, Mark Jenkins, Paul Landefeld, Donald Morgan, Nick Roussanov, Luke Taylor, and Jeremy Tobacman for helpful remarks, along with seminar participants in the Wharton class, the GW/FRB/GFLEC Financial Literacy Seminar in addition to Consumer Expenditure Survey Microdata Workshop. I will be grateful to Jimmy Lee, Ryan Pfirrmann‐Powell, Geoffrey Paulin, Arcenis Rojas, yet others within the Division for the Consumer Expenditure Survey in the Bureau of Labor Statistics for help accessing the confidential Consumer Expenditure Survey files, and I also have always been grateful to Paul Amos associated with Wharton GIS lab for advice about GIS. The Jay H. Baker Retailing Center during the Wharton class providedaonsumer Expenditure Survey Microdata Workshop. I will be grateful to Jimmy Lee, Ryan Pfirrmann‐Powell, Geoffrey Paulin, Arcenis Rojas, yet others into the Division of this Consumer Expenditure Survey during the Bureau of Labor Statistics for help accessing the private Consumer Expenditure Survey files, and I also have always been grateful to Paul Amos of this Wharton GIS lab for help with GIS. The Jay H. Baker Retailing Center during the Wharton School supplied large monetary help for the task before the writer’s work because of the Federal Reserve. This paper ended up being formerly circulated as “For Bett generous monetary help for the task ahead of the writer’s work with all the Federal Reserve. This paper ended up being previously circulated as “For Better and for even worse? Aftereffects of Usage Of High‐Cost Credit Rating.” T. This research had been carried out with limited usage of Bureau of Labor Statistics (BLS) information. The views here try not to always mirror the views regarding the BLS.
Abstract
In this paper, We reveal that high‐cost credit helps households smooth usage after durations of short-term economic stress. After experiencing distress—that is, extreme climate events—I realize that access to high‐cost payday lending mitigates declines in general investing and nondurable items spending generally speaking. The outcomes are especially concentrated among households with a greater tendency to make use of credit that is payday that have actually restricted alternatives: low income households, households with significantly less than a college level, and households with lower levels of preserving. These results highlight the consumption‐smoothing part that high‐cost credit plays for households with limited usage of other forms of credit.
Quantity of times cited relating to CrossRef: 4
- Kabir Dasgupta, Brenden J. Mason, the consequence of Interest Rate Caps on Bankruptcy: Synthetic Control proof from Present Payday Lending Bans, Journal of Banking & Finance, 10.1016/j.jbankfin.2020.105917, (105917), (2020).
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