Credit Card, Bankruptcy, and Related Materials
President Obama signing credit card legislation, 22 May 2009
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“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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