Studies – Academic
- Expanding Credit Access: Using Randomized Supply To Estimate The Impacts
By Dean Karlan and Jonathan Zinman
Yale University and Dartmouth College. January 2008 - Restrictions on Credit: A Public Policy Analysis of Payday Lending
By Petru S. Stoianovici and Michael T. Maloney
The Brattle Group and Clemson University, October 2008 - Hidden Consumer Loans: An Analysis of Implicit Interest Rates on Bounced Checks
By Marc Anthony Fusaro
Department of Economics, East Carolina University, 2007
Studies – Government
- FDIC Study of Bank Overdraft Programs
Federal Deposit Insurance Corporation, November 2008 - Defining and Detecting Predatory Lending
By Donald P. Morgan
Federal Reserve Bank of New York, Staff Report No. 273, January 2007 - Payday Holiday: How Households Fare After Payday Credit Bans
By Donald P. Morgan and Michael R. Strain
Federal Reserve Bank of New York. Raw Data, November 2007 - Bank Fees: Federal Banking Regulators Could Better Ensure That Consumers Have Required Disclosure Documents Prior to Opening Checking or Savings Accounts
U.S. Government Accountability Office, January 2008
Studies – Industry
- The Consumer Credit – 10 Impact Statements eBook
December, 2024 - Protection Programs
By G. Michael Flores
Bretton Woods, Inc., January 9, 2009
Studies – Think Tanks
- How Access to Short-Term Credit Helps Consumers
By Chris Robertson
Texas Public Policy Foundation, April 2009 - Contrasting Payday Loans to Bounced Check Fees
By Thomas E. Lehman, Ph, D.
Consumer Credit Research Foundation, June 2005