1. Can everyone tap into the housing piggy bank? Racial disparities in access to home equity. (2025). Lambie-Hanson, Lauren ; Gerardi, Kristopher ; Conklin, James N.
   In: Journal of Financial Economics.
   RePEc:eee:jfinec:v:168:y:2025:i:c:s0304405x25000467.

   Full description at Econpapers || Download paper

1. [1] Agarwal, Sumit, Souphala Chomsisengphet, Neale Mahoney, and Johannes Stroebel. (2015). “Regulating consumer financial products: Evidence from credit cards.” The Quarterly Journal of Economics, 130(1), 111–164.

2. [10] Blinder, Alan S. (1973). “Wage Discrimination: Reduced Form and Structural Estimates.” The Journal of Human Resources, 8(4), 436–455.

3. [12] Bucher-Koenen, Tabea, Annamaria Lusardi, Rob Alessie, and Maarten Van Rooij. (2017). “How financially literate are women? An overview and new insights.” Journal of Consumer Affairs, 51(2), 255–283.

4. [14] Cavalluzzo, Ken S. and Linda C. Cavalluzzo. (1998). “Market structure and discrimination: The case of small businesses.” Journal of Money, Credit and Banking, 30(4), 771–792.

5. [15] Cheng, Ping, Zhenguo Lin, and Yingchun Liu. (2011). “Do women pay more for mortgages?” The Journal of Real Estate Finance and Economics, 43(4), 423–440.

6. [16] Fang, Lu and Henry J. Munneke. (2020). “Gender equality in mortgage lending.” Real Estate Economics, 48(4), 957–1003. doi:10.1111/1540-6229.12198

7. [17] Federal Reserve Bank of New York. (2017). Quarterly Report on Household Debt and Credit: 2017:Q4.
   Paper not yet in RePEc: Add citation now
   

8. [18] Fernandez, Jennifer. and Anna Tranfaglia. (2020). Gender disparities in financial wellbeing from the Survey of Household Economics and Decisionmaking. Federal Reserve Bank of Philadelphia. https://www.philadelphiafed.org/-/media/frbp/assets/communitydevelopment /reports/gender-disparities-in-financial-well-being-survey-of-householdeconomics -and-decisionmaking.pdf

9. [2] Agarwal, Sumit, Souphala Chomsisengphet, Neale Mahoney, and Johannes Stroebel. (2018). “Do banks pass through credit expansions to consumers who want to borrow?” The Quarterly Journal of Economics, 133(1), 129–190.

10. [20] Firpo, Sergio, Nicole M. Fortin, and Thomas Lemieux. (2009). “Unconditional quantile regressions. ” Econometrica, 77(3), 953–973.

11. [21] Fishbein, Allen J., and Patrick Woodall. (2006). “Women are prime targets for subprime lending: Women are diproportionately represented in high-cost mortgage market” Consumer Federation of America.
    Paper not yet in RePEc: Add citation now
    

12. [22] Fonseca, Raquel, Kathleen J. Mullen, Gema Zamarro, and Julie Zissimopoulos. (2012). “What explains the gender gap in financial literacy? The role of household decision-making.” Journal of Consumer Affairs, 46(1), 90–106.

13. [23] Fortin, Nicole, Thomas Lemieux, and Sergio Firpo. (2011). Decomposition methods in economics. In Handbook of labor economics (Vol. 4, pp. 1–102). Elsevier.

14. [24] Fortin, Nicole, Brian Bell, and Michael Boehm. (2017). “Top income inequality and the gender pay gap: Canada, Sweden, and the United Kingdom.” Labour Economics, 47, 107–123.
    Paper not yet in RePEc: Add citation now
    
15. [25] Fuster, Andreas, Paul Goldsmith-Pinkham, Tarun Ramadorai, and Ansgar Walther. (2021). “Predictably unequal? The effects of machine learning on credit markets.” Journal of Finance. Forthcoming.
    Paper not yet in RePEc: Add citation now
    

16. [26] Goldin, Claudia. (2014). “A grand gender convergence: Its last chapter.” American Economic Review, 104(4), 1091–1119.

17. [27] Goldsmith-Pinkham, Paul and Kelly Shue. (2021). “The gender gap in housing returns.” Journal of Finance, Forthcoming
    Paper not yet in RePEc: Add citation now
    
18. [28] Goodman, Laurie, Jun Zhu, and Bing Bai. (2016). “Women are better than men at paying their mortgages.” Urban Institute.
    Paper not yet in RePEc: Add citation now
    

19. [3] Albrecht, James, Anders Bjorklund, and Susan Vroman. (2003). “Is there a glass ceiling in Sweden?” Journal of Labor Economics, 21(1), 145–177.

20. [30] Gross, David B. and Nicholas S. Souleles. (2002). “Do liquidity constraints and interest rates matter for consumer behavior? Evidence from credit card data.” Quarterly Journal of Economics, 117(1), 149–185.

21. [31] Gross, Tal, Matthew J. Notowidigdo, and Jialan Wang. (2020). “The marginal propensity to consume over the business.” American Economic Journal: Macroeconomics, 12(2), 351–384.

22. [32] Han, Song, Benjamin J. Keys, and Geng Li. (2018). “Unsecured credit supply, credit cycles, and regulation.” REview of Financial Studies, 31(3), 1184–1217.

23. [34] Jann, Ben. (2008). “The Blinder-Oaxaca decomposition for linear regression models.” The Stata Journal, 8(4), 453–479.

24. [35] Jones, F.L., and Jonathan Kelley. (1984). “Decomposing differences between groups: A cautionary note on measuring discrimination.” Sociological Methods & Research, 12(3), 323–343.

25. [36] Lee, Donghoon, and Wilbert van der Klaauw. (2010). “An introduction to the consumer credit panel.” Federal Reserve Bank of New York Staff Report, 479.

26. [37] Li, Geng. (2018). Gender-related differences in credit use and credit scores (No. 2018-06-22). Board of Governors of the Federal Reserve System.

27. [38] Lusardi, Annamaria and Olivia S. Mitchell. (2008). “Planning and financial literacy: How do women fare?” American Economic Review, 98(2), 413–17.

28. [4] Avery, Robert B., Kenneth P. Brevoort, and Glenn B. Canner. (2007). “Opportunities and issues using HMDA data” Journal of Real Estate Research, 29(4), 351–380.
    Paper not yet in RePEc: Add citation now
    

29. [40] Lusardi, Annamaria and Olivia S. Mitchell. (2014). “The economic importance of financial literacy: Theory and evidence.” Journal of Economic Literature, 52(1), 5–44. 10.1257/jel.52.1.5

30. [41] Kitagawa, Evelyn M. (1955). “Components of a difference between two rates.” Journal of the American Statistical Association, 50(272), 1168–1194.
    Paper not yet in RePEc: Add citation now
    

31. [42] Morse, Adair, and Karen Pence. (2020). “Technological innovation and discrimination in household finance.” (NBER Working Paper 26739). National Bureau of Economic Research.

32. [43] Morton, Fiona Scott, Florian Zettelmeyer, and Jorge Silva-Risso. (2003). “Consumer information and discrimination: Does the internet affect the pricing of new cars to women and minorities?” Quantitative Marketing and Economics, 1, 65–92.

33. [45] Oaxaca, Ronald. (1973). “Male-Female Wage Differentials in Urban Labor Markets.” International Economic Review, 14(3), 693–709.

34. [46] Ruggles, Steven et al. (2021) IPUMS USA: Version 11.0 [dataset]. Minneapolis, MN: IPUMS, 2021. https://doi.org/10.18128/D010.V11.0
    Paper not yet in RePEc: Add citation now
    
35. [47] Winsborough, H.H., and Peter Dickinson. (1971). “Components of the negro-white income differences.” In Proceedings of the Social Statistics Section, 6-8. Washington, D.C.: American Statistical Association.
    Paper not yet in RePEc: Add citation now
    

36. [5] Aydin, Deniz. (2021). “Consumption response to credit expansions: Evidence from experimental assignment of 45,307 credit lines.” American Economic Review, Forthcoming.

37. [6] Ayres, Ian and Peter Siegelman. (1995) “Race and gender discrimination in bargaining for a new car,” American Economic Review, 85(3), 304–321.

38. [7] Baker, Amy Castro, Stacia Martin-West, and Folasade Famakinwa. (2018). “On shaky ground: Stabilizing the financial security of single women.” Asset Funders Network.
    Paper not yet in RePEc: Add citation now
    

39. [8] Barber, Brad M. and Terrance Odean. (2001). “Boys will be boys: Gender, overconfidence, and common stock investment.” The Quarterly Journal of Economics, 116(1), 261–292.

40. [9] Blau, Francine D. and Lawrence M. Kahn. (2017). “The gender wage gap: Extent, trends, and explanations.” Journal of Economic Literature, 55(3), 789–865.

1. Household finance. (2020). Ramadorai, Tarun ; Haliassos, Michael ; Gomes, Francisco J.
   In: IMFS Working Paper Series.
   RePEc:zbw:imfswp:138.

   Full description at Econpapers || Download paper

2. Who Bears the Welfare Costs of Monopoly? The Case of the Credit Card Industry. (2020). Raveendranathan, Gajendran ; Herkenhoff, Kyle.
   In: NBER Working Papers.
   RePEc:nbr:nberwo:26604.

   Full description at Econpapers || Download paper

3. I can see clearly now: The impact of disclosure requirements on 401(k) fees. (2020). James, Christopher ; Badoer, Dominique C ; Costello, Charles P.
   In: Journal of Financial Economics.
   RePEc:eee:jfinec:v:136:y:2020:i:2:p:471-489.

   Full description at Econpapers || Download paper

4. Strategic scope and bank performance. (2020). Schmid, Markus ; Walter, Ingo ; Saunders, Anthony.
   In: Journal of Financial Stability.
   RePEc:eee:finsta:v:46:y:2020:i:c:s1572308919306667.

   Full description at Econpapers || Download paper

5. Household Finance. (2020). Ramadorai, Tarun ; Haliassos, Michael ; Gomes, Francisco J.
   In: CEPR Discussion Papers.
   RePEc:cpr:ceprdp:14502.

   Full description at Econpapers || Download paper

6. Who Bears the Welfare Costs of Monopoly? The Case of the Credit Card Industry. (2019). Raveendranathan, Gajendran ; Herkenhoff, Kyle.
   In: 2019 Meeting Papers.
   RePEc:red:sed019:67.

   Full description at Econpapers || Download paper

7. Who Bears the Welfare Costs of Monopoly? The Case of the Credit Card Industry. (2019). Raveendranathan, Gajendran ; Herkenhoff, Kyle.
   In: Department of Economics Working Papers.
   RePEc:mcm:deptwp:2019-13.

   Full description at Econpapers || Download paper

8. Who Bears the Welfare Costs of Monopoly? The Case of the Credit Card Industry. (2019). Raveendranathan, Gajendran ; Herkenhoff, Kyle.
   In: IZA Discussion Papers.
   RePEc:iza:izadps:dp12836.

   Full description at Econpapers || Download paper

9. Who Bears the Welfare Costs of Monopoly? The Case of the Credit Card Industry. (2019). Raveendranathan, Gajendran ; Herkenhoff, Kyle.
   In: Working Papers.
   RePEc:hka:wpaper:2019-071.

   Full description at Econpapers || Download paper

10. Does Price Regulation Affect Competition? Evidence from Credit Card Solicitations. (2019). Li, Geng ; Dou, Yiwei ; Ronen, Joshua.
    In: Finance and Economics Discussion Series.
    RePEc:fip:fedgfe:2019-18.

    Full description at Econpapers || Download paper

11. Growing up without finance. (2019). Brown, James ; Heimer, Rawley Z ; Cookson, Anthony J.
    In: Journal of Financial Economics.
    RePEc:eee:jfinec:v:134:y:2019:i:3:p:591-616.

    Full description at Econpapers || Download paper

12. Minimum payments and debt paydown in consumer credit cards. (2019). Keys, Benjamin ; Wang, Jialan.
    In: Journal of Financial Economics.
    RePEc:eee:jfinec:v:131:y:2019:i:3:p:528-548.

    Full description at Econpapers || Download paper

13. Responses to an anticipated increase in cash on hand: Evidence from term loan repayments. (2019). Dastous, Philippe.
    In: Journal of Banking & Finance.
    RePEc:eee:jbfina:v:108:y:2019:i:c:s0378426619302249.

    Full description at Econpapers || Download paper

14. Shrouded transaction costs: must-take cards, discounts and surcharges. (2019). Tirole, Jean ; Gomes, Renato ; Bourguignon, Helene.
    In: International Journal of Industrial Organization.
    RePEc:eee:indorg:v:63:y:2019:i:c:p:99-144.

    Full description at Econpapers || Download paper

15. Measuring Bias in Consumer Lending. (2018). Liberman, Andres ; Dobbie, Will ; Pathania, Vikram ; Paravisini, Daniel.
    In: Working Papers.
    RePEc:pri:indrel:623.

    Full description at Econpapers || Download paper

16. Does CFPB Oversight Crimp Credit?. (2018). Vickery, James ; Plosser, Matthew ; Fuster, Andreas.
    In: Staff Reports.
    RePEc:fip:fednsr:857.

    Full description at Econpapers || Download paper

17. The roaming regulation and the case for applying behavioural industrial organisation to EU competition policy. (2018). McGowan, Feidhlim.
    In: Papers.
    RePEc:esr:wpaper:wp598.

    Full description at Econpapers || Download paper

18. Competition and complementarities in retail banking: Evidence from debit card interchange regulation. (2018). Manuszak, Mark D ; Vojtech, Cindy M ; Kay, Benjamin S.
    In: Journal of Financial Intermediation.
    RePEc:eee:jfinin:v:34:y:2018:i:c:p:91-108.

    Full description at Econpapers || Download paper

19. The Credit Card Act and consumer finance company lending. (2018). Hannon, Simona M ; Elliehausen, Gregory.
    In: Journal of Financial Intermediation.
    RePEc:eee:jfinin:v:34:y:2018:i:c:p:109-119.

    Full description at Econpapers || Download paper

20. MPC Heterogeneity and Household Balance Sheets. (2018). Natvik, Gisle ; Fagereng, Andreas ; Holm, Martin B.
    In: CESifo Working Paper Series.
    RePEc:ces:ceswps:_7134.

    Full description at Econpapers || Download paper

21. Deception and Competition in Search Markets. (2018). Gamp, Tobias ; Kraehmer, Daniel.
    In: CRC TR 224 Discussion Paper Series.
    RePEc:bon:boncrc:crctr224_014_2018.

    Full description at Econpapers || Download paper

22. MEASURING CONSUMER EXPENDITURES WITH PAYMENT DIARIES. (2018). Schuh, Scott.
    In: Economic Inquiry.
    RePEc:bla:ecinqu:v:56:y:2018:i:1:p:13-49.

    Full description at Econpapers || Download paper

23. MPC Heterogeneity and Household Balance Sheets. (2017). Natvik, Gisle ; Fagereng, Andreas ; Holm, Martin.
    In: 2017 Meeting Papers.
    RePEc:red:sed017:65.

    Full description at Econpapers || Download paper

24. Does Opening Complaints Data Change Company and Consumer Behavior? Evidence from the Consumer Financial Protection Bureau. (2017). Opoku-Agyemang, Kweku A.
    In: SocArXiv.
    RePEc:osf:socarx:fa7v9.

    Full description at Econpapers || Download paper

25. How Do Individuals Repay Their Debt? The Balance-Matching Heuristic. (2017). Weber, Jörg ; Gathergood, John ; Stewart, Neil ; Mahoney, Neale.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:24161.

    Full description at Econpapers || Download paper

26. The Economist as Plumber. (2017). Duflo, Esther.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:23213.

    Full description at Econpapers || Download paper

27. Some Simple Analytics of Vertically Linked Markets. (2017). Farrell, Joseph.
    In: Review of Industrial Organization.
    RePEc:kap:revind:v:50:y:2017:i:4:d:10.1007_s11151-017-9571-2.

    Full description at Econpapers || Download paper

28. The Credit Card Act and Consumer Finance Company Lending. (2017). Hannon, Simona ; Elliehausen, Gregory E.
    In: Finance and Economics Discussion Series.
    RePEc:fip:fedgfe:2017-72.

    Full description at Econpapers || Download paper

29. Anchoring in financial decision-making: Evidence from Jeopardy!. (2017). Walker, Jay ; Jetter, Michael.
    In: Journal of Economic Behavior & Organization.
    RePEc:eee:jeborg:v:141:y:2017:i:c:p:164-176.

    Full description at Econpapers || Download paper

30. The role of prepayment penalties in mortgage loans. (2017). Gavazza, Alessandro ; Benetton, Matteo ; Beltratti, Andrea.
    In: Journal of Banking & Finance.
    RePEc:eee:jbfina:v:82:y:2017:i:c:p:165-179.

    Full description at Econpapers || Download paper

31. The Economist as Plumber. (2017). Duflo, Esther.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:11881.

    Full description at Econpapers || Download paper

32. Richard T. Ely Lecture: The Economist as Plumber. (2017). Duflo, Esther.
    In: American Economic Review.
    RePEc:aea:aecrev:v:107:y:2017:i:5:p:1-26.

    Full description at Econpapers || Download paper

33. Borrowing on the Wrong Credit Card? Evidence from Mexico. (2017). Ponce, Alejandro ; Zamarripa, Guillermo ; Seira, Enrique.
    In: American Economic Review.
    RePEc:aea:aecrev:v:107:y:2017:i:4:p:1335-61.

    Full description at Econpapers || Download paper

34. Simplification of Privacy Disclosures: An Experimental Test. (2016). Adam, Omri Ben-Shahar .
    In: The Journal of Legal Studies.
    RePEc:ucp:jlstud:doi:10.1086/688405.

    Full description at Econpapers || Download paper

35. MPC heterogeneity and household balance sheets. (2016). Natvik, Gisle ; Fagereng, Andreas ; Holm, Martin B.
    In: Discussion Papers.
    RePEc:ssb:dispap:852.

    Full description at Econpapers || Download paper

36. Undue charges and price discrimination. (2016). Nakane, Marcio ; Garber, Gabriel.
    In: Working Papers, Department of Economics.
    RePEc:spa:wpaper:2016wpecon27.

    Full description at Econpapers || Download paper

37. Complex Decision Making: The Roles of Cognitive Limitations, Cognitive Decline and Ageing. (2016). Thorp, Susan ; Keane, Michael.
    In: Economics Papers.
    RePEc:nuf:econwp:1610.

    Full description at Econpapers || Download paper

38. The Marginal Propensity to Consume Over the Business Cycle. (2016). Wang, Jialan ; Notowidigdo, Matthew ; Gross, Tal.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:22518.

    Full description at Econpapers || Download paper

39. Restoring Rational Choice: The Challenge of Consumer Financial Regulation. (2016). Campbell, John.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:22025.

    Full description at Econpapers || Download paper

40. Reading the Fine Print: Information Disclosure in the Brazilian Credit Card Market. (2016). Ferman, Bruno.
    In: Management Science.
    RePEc:inm:ormnsc:v:62:y:2016:i:12:p:3534-3548.

    Full description at Econpapers || Download paper

41. Restoring Rational Choice: The Challenge of Consumer Financial Regulation. (2016). Campbell, John.
    In: Scholarly Articles.
    RePEc:hrv:faseco:27413770.

    Full description at Econpapers || Download paper

42. PRICE Lab: An Investigation of Consumers’ Capabilities with Complex Products. (2016). Lunn, Pete ; Bohacek, Marek ; Somerville, Jason ; McGowan, Feidhlim ; Ni, Aine.
    In: Research Series.
    RePEc:esr:resser:bkmnext306.

    Full description at Econpapers || Download paper

43. LeChatelier-Samuelson principle in games and pass-through of shocks. (2016). Alexandrov, Alexei ; Bedre-Defolie, Ozlem.
    In: ESMT Research Working Papers.
    RePEc:esm:wpaper:esmt-15-03.

    Full description at Econpapers || Download paper

44. Complex Decision Making. (2016). Thorp, S ; Keane, M P.
    In: Handbook of the Economics of Population Aging.
    RePEc:eee:hapoch:v1_661.

    Full description at Econpapers || Download paper

45. Restoring rational choice: The challenge of consumer financial regulation. (2016). Campbell, John.
    In: Working Paper Series.
    RePEc:ecb:ecbwps:20161897.

    Full description at Econpapers || Download paper

46. Undue Charges and Price Discrimination. (2016). Nakane, Marcio ; Garber, Gabriel.
    In: Working Papers Series.
    RePEc:bcb:wpaper:427.

    Full description at Econpapers || Download paper

47. Restoring Rational Choice: The Challenge of Consumer Financial Regulation. (2016). Campbell, John.
    In: American Economic Review.
    RePEc:aea:aecrev:v:106:y:2016:i:5:p:1-30.

    Full description at Econpapers || Download paper

48. Debt collection agencies and the supply of consumer credit. (2015). Fedaseyeu, Viktar.
    In: Working Papers.
    RePEc:fip:fedpwp:15-23.

    Full description at Econpapers || Download paper

49. Do Banks Pass Through Credit Expansions? The Marginal Profitability of Consumer Lending During the Great Recession. (2015). Stroebel, Johannes ; Agarwal, Sumit ; Chomsisengphet, Souphala ; Mahoney, Neale ; Strobel, Johannes.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:10839.

    Full description at Econpapers || Download paper

50. Overconfident Consumers in the Marketplace. (2015). Grubb, Michael.
    In: Journal of Economic Perspectives.
    RePEc:aea:jecper:v:29:y:2015:i:4:p:9-36.

    Full description at Econpapers || Download paper

Report date: 2025-10-04 03:07:54 || Missing content? Let us know