UCC08-8: For centuries, legislated caps on loan interest rates (rate ceilings) have been advocated as a form of consumer protection in otherwise free market economies.…
RR07-2: Where the poor live and why has an enormous impact on access to jobs, decent quality schools, and other local attributes that affect a family’s ability to rise…
BABC 04-14: The 1971 federal Fair Credit Reporting Act (FCRA) was intended to promote greater accuracy in credit reporting in the United States. Inaccurate credit…
Richard Wiener, Karen Gross, Susan Block-Lieb, Corinne Baron-Donovan
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February 2, 2004
BABC 04-2: This paper used a psycho legal methodology, which combined empirical research with legal scholarship to study debtors in bankruptcy comparing them to a sample…
Using data from the 1998 Survey of Consumer Finances (SCF), this paper estimates homeownership rates that would prevail in the United States if borrowing constraints were…