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Credit Card, Bankruptcy, and Related Materials 


                                                                 President Obama signing credit card legislation, 22 May 2009

                                                                                                    More photos

 

“U.S. Senate Testimony,” 12 February 2009.  (207 KB)

“U.S. House of Representatives Testimony,” 13 March 2008.  (195 KB)

“Penalty Interest Rates, Universal Default, and the Common Pool Problem of Credit Card Debt” (with Oleg V. Baranov and Amanda E. Dawsey), Working Paper, Department of Economics, University of Maryland, June 2010.  (180 KB)

“Time Inconsistency in the Credit Card Market” (with Haiyan Shui), Working Paper, Department of Economics, University of Maryland, January 2005.  (355 KB)

“Informal Bankruptcy” (with Amanda E. Dawsey), Working Paper, Department of Economics, University of Maryland, April 2004.  (454 KB)

“Informal Bankruptcy” (with Amanda E. Dawsey), First Version, Department of Economics, University of Maryland, January 2001.  (342 KB)

“Personal Bankruptcies Stage Broad 2-Year Decline: 2001 Data Update,” Short Report, Department of Economics, University of Maryland, 27 February 2001.  (141 KB)

“Personal Bankruptcies Begin Sharp Decline: Millennium Data Update,” Short Report, Department of Economics, University of Maryland, 18 January 2000.  (169 KB)

“Adverse Selection in the Credit Card Market,” Working Paper, Department of Economics, University of Maryland, 17 June 1999.  (139 KB)

“U.S. House of Representatives Testimony,” 10 March 1998.  (43 KB)

“U.S. Senate Testimony,” 11 February 1998.  (33 KB)

“Credit Card Defaults, Credit Card Profits, and Bankruptcy,” American Bankruptcy Law Journal, Spring 1997.  (341 KB)

“The Failure of Competition in the Credit Card Market,” American Economic Review, Vol. 81, No. 1, pp. 50-81, March 1991.

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2010 Lawrence M. Ausubel