Digitalization is promising to expand opportunities for traditionally disadvantaged individuals and communities in the housing market. Digital platforms, such as Zillow and…
This paper empirically and theoretically analyzes the effect of debt reductions that reduce long-term but not short-term obligations. Isolating the effect of future…
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…