NBER WORKING PAPER SERIES THE EFFECTS OF DISCLOSURE AND ENFORCEMENT ON PAYDAY LENDING IN TEXAS
NBER WORKING PAPER SERIES THE EFFECTS OF DISCLOSURE AND ENFORCEMENT ON PAYDAY LENDING IN TEXAS
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NBER 工作文件系列 披露和执行对德克萨斯州发薪日贷款的影响
DOI：
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发表时间：
2021
期刊：
影响因子：
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通讯作者：
Kathleen
中科院分区：
文献类型：
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作者：
Jialan Wang;Kathleen
2012年至2016年，王佳兰受雇于消费者金融保护局，负责监督与该报相关的一系列政策。凯瑟琳·伯克在2013-2014年间受雇于CFPB。除了工资支持，两人都以CFPB员工的身份获得了数据。2017年至2020年，王佳兰以CFPB无偿访问学者的身份为本文工作。CFPB在分发之前审查了这份文件，以保护消费者和贷款人的机密。我们感谢Sean Hundtofte、Carlos Parra和Victor Stango以及美国法律和经济协会、CFPB、FDIC消费者研究研讨会、新加坡国立大学和SFS Cavalade的参与者提出的宝贵意见。我们感谢Jesse Leary为这篇论文的早期版本所做的贡献，这篇论文以“德克萨斯州的信息披露和发薪日借贷”的形式分发，并向周玉成、周云荣、蒋仁浩、Deepti Kumari、Di(Freddy)Li、Bo Lyu、Prarthan a Patel、Vikas Venkatapathy、Lihan Yu、Filipe Correia和Peter han提供研究援助。所表达的观点是作者的观点，不一定代表消费者金融保护局或美国的观点，不应被解释为国会预算办公室或国家经济研究局的观点。任何错误都是我们自己的。
From 2012-2016, Jialan Wang was employed at the Consumer Financial Protection Bureau, which oversees a number of policies that are relevant to the paper. Kathleen Burke was employed at the CFPB from 2013-2014. Besides salary support, both received access to the data as employees of the CFPB. Jialan Wang worked on this paper as an unpaid visiting scholar at the CFPB from 2017 to 2020. The CFPB reviewed this paper prior to circulation for the purposes of maintaining consumer and lender confidentiality. We are grateful to Sean Hundtofte, Carlos Parra, and Victor Stango and participants at the American Law and Economics Association, CFPB, FDIC Consumer Research Symposium, National University of Singapore, and SFS Cavalcade for valuable comments. We are thankful to Jesse Leary for contributing to an earlier version of this paper, circulated as “Information Disclosure and Payday Lending in Texas,” and to Yucheng Zhou, Yunrong Zhou, Renhao Jiang, Deepti Kumari, Di (Freddy) Li, Bo Lyu, Prarthana Patel, Vikas Venkatapathy, Lihan Yu, Filipe Correia, and Peter Han for research assistance. The views expressed are those of the authors and do not necessarily represent those of the Consumer Financial Protection Bureau or the United States, and should not be interpreted as those of the Congressional Budget Office or the National Bureau of Economic Research. Any errors are our own.