John Campbell, Howell Jackson, Brigitte Madrian, Peter Tufano
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August 31, 2010
MF10-12: The recent financial crisis has led many to question how well businesses deliver consumer financial services and how well regulatory institutions address…
Michael Barr, Sendhil Mullainathan, Eldar Shafir
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April 1, 2008
UCC08-12: Choosing a mortgage is one of the biggest financial decisions an American consumer will make. Yet it can be a complicated one, especially in today’s…
UCC08-13: In this paper, we review a wide variety of programs that are used to support savings by families, in particular by low- and moderate-income families. These…
Shawn Cole, John Thompson, Peter Tufano
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February 1, 2008
UCC08-3: In this paper, we analyze the spending decisions of over 1.5 million Americans who vary in their degree of revealed credit constraints. Specifically, we analyze…
Susan Wharton Gates, Cindy Waldron, Peter Zorn
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February 13, 2004
BABC 04-13: Automated underwriting (AU) systems have become a tool of choice in mortgage lending decisions. While AU provides significant benefits to mortgage…