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Credit Card, Bankruptcy, and Related Materials 


“Informal Bankruptcy” (with Amanda E. Dawsey), Working Paper, Department of Economics, University of Maryland, April 2004.  (454 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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© 2002 Lawrence M. Ausubel