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PUBLICATIONS

Click on the titles of the publications for summaries.  Click on the pdf icons to download the full text.  (To read the pdf files, you will need Adobe Acrobat Reader.) 

 

  BOOKS
  Title      
  The Impact of Public Policy on Consumer Credit contact publisher to order
  Consumer Attitudes Toward Credit Insurance contact publisher to order
  Household Credit Data Book, 1995 $35  
  Economic Aspects of Personal Bankruptcy $35  


  MONOGRAPHS
# Title     Download
40 Processes for Determining Accuracy of Credit Bureau Information    
39 Evaluating the Effectiveness of Credit Counseling    
38 The Effects of State Predatory Lending Laws on the Availability of Subprime Mortgage Credit    
37 Consumer Use of Tax Refund Anticipation Loans    
36 The Impact of Credit Counseling on Subsequent Borrower Credit Usage and Payment Behavior    
35 Payday Advance Credit in America: An Analysis of Customer Demand    
34 Pawnbroking in the U.S.: A Profile of Customers    
33 Personal Bankruptcy: A report on Petitioners' Ability-To-Pay    
32 Demographic Factors Affecting Consumer Installment Lending, 1990-2020    
31 The Case for Deregulating Interest Rates on Consumer Credit    
30 Credit Insurance: Rhetoric and Reality    
29 The Impact of Waiving Finance Charges on Debt Plans at Consumer Credit Counseling Services    
28 Theory and Evidence of the Impact of Equal Credit Opportunity: An Agnostic Review of the Literature    
27 Prices of Consumer Credit in the Absence of Rate Ceilings: An Update    
26 Indexing Consumer Credit Rate Ceilings    
25 Prices of Consumer Credit in the Absence of Rate Ceiling    
24 Vol. II: Personal Bankruptcy: Causes, Costs and Benefits    
23 Vol. I: Consumers' Right to Bankruptcy: Origins and Effects    
22 FSRP 1979 Consumer Financial Survey    
21 Consumer Financial Data Sources    
20 Sales Finance Companies: FSRP 1979 Creditors Survey    
19 Retailers: FSRP 1979 Creditors Survey    
18 Consumer Finance Companies: FSRP 1979 Creditors Survey    
17 Commercial Banks: FSRP 1979 Creditors Survey    
16 Savings and Loan Associations: FSRP 1979 Creditors Survey    
15 Credit Unions: FSRP 1979 Creditors Survey    
14 An Economic Analysis of the "Due on Sale" Clause in the California Mortgage Market    
13 Consumer Perception of Credit Insurance on Retail Purchase    
12 Cost/Benefit Analysis of Creditors' Remedies    
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10 The Impact of Regulation on the Provision of Consumer Financial Services by Depository Institutions: Research Background and Needs    
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8 A Compilation of Federal and State Laws Regulating Consumer Financial Services      
7 A Bibliography of Consumer Financial Services and Regulation. Vol. I; and Indexes, Vol. II      
6 A Thesaurus of Terms in Mortgage and Consumer Credit      
5 Mortgage Banking 1963-1972: A Financial Intermediary in Transition    
4 An Economic Report on Consumer Lending in Texas    
3 Research Topics in Mortgage Markets: Proceedings of a Seminar    
2 Credit Policies and Store Locations in Arkansas Border Cities: Merchant Reactions to a Ten Percent Finance Charge Ceiling    
1 An Empirical Analysis of Retail Revolving Credit    

 
  WORKING PAPERS
# Title     Download
73 An Analysis of Why Debt Management Plans Fail    
72 The Effect of Prepayment Penalties on the Pricing of Subprime Mortgages    
71 A Comparative Analysis of Payday Loan Customers    
70 The Pricing of Subprime Mortgages by Mortgage Brokers and Lenders    
69 Consumers' Use of High-Price Credit Products: Do They Know What They Are Doing?    
68        
67 The Impact of National Credit Reporting Under the Fair Credit Reporting Act: The Risk of New Restrictions and State Regulation    
66 Regulation of Subprime Mortgage Products:  An Analysis of North Carolina's Predatory Lending Laws    
65 College Student Credit Card Usage    
64 An Empirical Evaluation of the Content and Cycle of Financial Reporting: The Case of Consumer Credit    
63 The Impact of Casino Gambling on Personal Bankruptcy Filing Rates    
62 The Impact of Opt-In Privacy Rules on Retail Credit Markets:  A Case Study of MBNA    
61 The Impact of The Federal Reserve Board's Proposed Revisions to HOEPA on the Number and Characteristics of HOEPA Loans    
60 Plastic Choices: Consumer Usage of Third Party vs. Proprietary Credit in Retail Stores vs. Gasoline Outlets    
59 The Cost Structure of the Consumer Finance Industry    
58 The Impact of Post-Bankruptcy Credit on the Number of Personal Bankruptcies    
57 Discounts for Cash in Retail Gasoline Marketing    
56 Information Costs and the Organization of Credit Markets: A Theory of Indirect Lending    
55 Economic Factors Associated With Delinquency Rates on Consumer Installment Debt    
54 Shopping for Consumer Credit: Implications for Market Efficiency    
53 Liquid Assets and Consumer Credit on the Household Balance Sheet    
52 Economic and Demographic Factors Associated With Consumer Debt Use    
51 Consumers' Choice of Consumer Loan Contract Terms    
50 The Behavior of Consumer Loan Rates Charged by Commercial Banks    
49 Social Efficiency of the Bankruptcy Reform Act of 1978 with Regard to Personal Bankruptcy    
48 Legal Aspects of Variable Rate Financing    
47 Economic Factors Associated with Personal Bankruptcy    
46 Applications of Performance Scoring to Accounts Receivable Management in Consumer Credit    
45 The Role of Education Debt in Consumer's Total Debt Structure    
44 Asset Exemptions and Propensity to File Personal Bankruptcy    
43 Second Mortgage Survey 1981    
42 Consumer Use of Mortgage Credit    
41 Costs and Benefits of Restrictions on Creditors' Remedies    
40 Impact of Ten Percent Usury Ceiling: Empirical Evidence    
39 Second Mortgage Survey, 1980    
38 Effects of Consumer Loan Rate Ceilings on Competition Between Banks and Finance Companies    
37 Household Financial Behavior: Implications for Consumer Spending    
36 Evidence of the Effect of Restrictive Loan Rate Ceilings on Prices of Consumer Financial Services    
35 Restrictive Effects of Rate Ceilings on Consumer Choice: The Massachusetts Experience    
34 Value Pricing of Bank Card Services    
33 Second Mortgage Survey, 1979    
32 The Response of Commercial Banks to Rate Ceilings and Restrictions on Remedies on Consumer Credit Contracts    
31 Rates of Return on GNMA Securities: The Cost of Mortgage Funds    
30 Accelerating Inflation and the Distribution of Household Savings Incentives    
29 The Transfer Implications of Consumer Credit Regulation    
28 An Investigation of Sex Discrimination in Commercial Banks' Direct Consumer Lending    
27 Mobile Home Demand and Sources of Financing    
26 Consumer Perceptions of Credit Bureaus    
25 Junior Mortgage Financing and Other Borrowing Against Inflated Housing Equity    
24 The Community Reinvestment Act of 1977: Its Legislative History and its Impact on Applications for Changes in Structure Made by Depository Institutions to the Four Federal Financial Supervisory Agencies    
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22 An Economic Analysis of Electronic Funds Transfer System: The Theory of Credit Markets    
21 Bank and Retail Credit Card Yields Under Alternative Assessment Methods    
20 Banks Lending Response to Restricted Creditor Remedies    
19 Testing for Sex Discrimination in Commercial Bank Consumer Lending    
18 Problems in Applying Discriminant Analysis In Credit Scoring Models    
17 Occupational Employment Variations in Commercial Bank Consumer Credit Risk    
16
 
   
15 The Impact of Creditors' Remedies on Consumer Loan Charges    
14 Creditor Remedy Restrictions and Interstate Differences in Personal Loan Rates and Availability: A Supplementary Analysis    
13 Changes in Finance Company Personal Loan Policies Following Enactment of the Wisconsin Consumer Act    
12 The Impact of Restricted Creditors' Remedies on Automobile Finance Companies in Wisconsin    
11 Commercial Bank Consumer Loan Refinancing    
10 Regulatory Influence on Commercial Bank Personal Loan Rates    
9 Competition Between Banks and Finance Companies: A Cross Section Study of Personal Loan Debtors    
8 Discrimination on the Basis of Sex Under the Equal Credit Opportunity Act    
7 Personal Loan Cash Flows at Finance Companies    
6 Determinants of Commercial Bank Automobile Loan Rates    
5 Delinquency Rates on Consumer and Mortgage Debt: Their Determinants and Impact    
4 The Effect of Alternative Billing Methods upon Retail Revolving Credit Yields    
3 Impact of General Credit Restraint on Consumer Installment Credit Flows    
2 EFTS and Consumer Credit (Revised)    
1 The Use of Department Store Revolving Credit: Account Use Patterns, Customer Profitability, the Value of Revolving Credit and the Probable Incidence of Credit Rationing    


 
  ReprintS
# Title     Download
32 The Impact of Casino Gambling on Personal Bankruptcy Filing Rates    
31 Plastic Choices: Consumer Usage of Bank Cards versus Proprietary Credit Cards    
30 The Cost of Implementing Regulatory Changes: The Truth in Savings Act    
29 Monitoring the Household Sector with Aggregate Credit Bureau Data    
28 Strength in Numbers: Aggregate Credit Bureau Data Benefit Portfolio Management    
27 Debit, Credit, or Cash: Survey Evidence on Gasoline Purchases    
26 The Cost Structure of the Consumer Finance Industry    
25 Theory and Evidence of the Impact of Equal Credit Opportunity: An Agnostic Review of the Literature    
24 Coercion in the Selling of Credit Life Insurance    
23 Discounts for Cash in Retail Gasoline Marketing    
22 An Economic Perspective on Interest Rate Limitations    
21 Consumer Debt: Myths About the Impact of the Recession    
20 Information Costs and the Organization of Credit Markets: A Theory of Indirect Lending    
19 Deregulation, Tax Reform, and the Use of Consumer Credit    
18 The Consumer Bankruptcy Problem: Causes and Cures    
17 Adjustable Rate Consumer Loans: A Trade-Off    
16 An Investigation of Sex Discrimination in Commercial Banks' Direct Consumer Lending    
15 Segmentation of the Consumer Loan Market    
14 Economic Effects of Graduated Rate Ceilings on Revolving Credit    
13 The Costs of Consumer Credit Regulation    
12 Pricing of Bank Card Services    
11 A Close Look at Credit Unions    
10 The Equal Credit Opportunity Act of 1974: A Cost/Benefit Analysis    
9 Price Distortion Induced by the Revenue Structure of Federally-Sponsored Mortgage Loan Programs    
8 Factors Affecting the Growth of Bank Credit Card and Check Credit    
7 Mortgage Company Bids on the GNMA Auction, 1977    
6 The Impact of General Credit Restraint on the Supply of Commercial Bank Consumer Installment Credit    
5 Valuation of a Mortgage Company's Servicing Portfolio    
4 Credit Screening System Selection    
3 Subsidies in the Use of Revolving Credit    
2 The Rationale for Acquisition of Finance Companies by Bank Holding Companies    
1 Evaluation Model Can Maximize Single-Family Servicing Profits