The digitization of residential energy—aided by the digitalization of information about energy usage—has spurred a revolution in energy-efficiency investments and helped…
UCC08-17: In this paper, I review the trajectory of consumer credit reforms in France and the United Kingdom. Through a period of significant regulatory reform intended…
BABC 04-23: Mortgage lenders have long used credit scores as a basis for estimating borrower risk. This risk differentiation is reflected in the coupon rate of the loan…