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Abstract: This paper characterizes the features of an account-based payment card--including bank debit cards, prepaid debit cards, and payroll cards--that elicit a high take-rate among low- and moderate-income (LMI) households, particularly those without bank accounts. We apply marketing research More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Abstract: The lack of property tax escrow accounts among subprime mortgages causes borrowers to make large lump-sum tax payments that reduce liquidity. Different property tax collection dates across states and counties create exogenous variation in the time between loan origination and the first More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
… trpropubwfe21:8086/researcher/Lists/Researchers/284_.000 Private Pensions … trpropubwfe21:8086/researcher/Lists/Researchers/DispResource … More information...
Audience: Researcher
Type of Resource: Testimony
Date: 3/27/2012
This paper analyzes new data on financial literacy and financial sophistication from the 2008 Health and Retirement Study. We show that financial literacy is lacking among older individuals and for the first time explore additional questions on financial sophistication which proves even scarcer. More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
… trpropubwfe21:8086/researcher/Lists/Researchers/291_.000 Bank Fees … trpropubwfe21:8086/researcher/Lists/Researchers/DispResource … More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
… trpropubwfe21:8086/researcher/Lists/Researchers/292_.000 International … trpropubwfe21:8086/researcher/Lists/Researchers/DispResource … More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
… trpropubwfe21:8086/researcher/Lists/Researchers/293_.000 Using Home … trpropubwfe21:8086/researcher/Lists/Researchers/DispResource … More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
… trpropubwfe21:8086/researcher/Lists/Researchers/294_.000 Inflation … trpropubwfe21:8086/researcher/Lists/Researchers/DispResource … More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
Using credit report records and data collected from several household surveys, we analyze changes in household debt and saving during the 2007 recession. We find that, while different segments of the population were affected in distinct ways, depending on whether they owned a home, whether they More information...
Audience: Researcher
Type of Resource: Report
Date: 3/28/2012
… trpropubwfe21:8086/researcher/Lists/Researchers/298_.000 How Workers … trpropubwfe21:8086/researcher/Lists/Researchers/DispResource … More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012