W09-1: Energy efficiency and environmental sustainability have benefited from increased media attention in recent years. Despite a proven record of improving the energy…
There are many causes to the collapse of the housing market and the recent financial turmoil, but the contribution of the CRA appears marginal. While banks did engage in…
W08-2: Research on the determinants of home improvement activity generally ignores the neighborhood context in which homeowners live. However the condition and trends of…
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…