Publications

"Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?" with Sumit Agarwal and Jeremy Tobacman, American Economic Review Papers and Proceedings, 99(2), May 2009, pp. 412-417.

Working Papers

"The Ticket to Easy Street? The Financial Consequences of Winning the Lottery," with Scott Hankins and Mark Hoekstra (available at http://ssrn.com/abstract=1324845)  (read about this research in the Wall Street Journal)

"Do Payday Loans Cause Bankruptcy?" with Jeremy Tobacman (available at http://ssrn.com/abstract=1266215)

"Payday Loans, Uncertainty and Discounting: Explaining Patterns of Borrowing, Repayment, and Default," with Jeremy Tobacman (available at http://ssrn.com/abstract=1319751) (featured in the New York Times January 2009)

"The Profitability of Payday Loans," with Jeremy Tobacman (pdf) (featured in the L.A. Times December 2008)

"Financial Smoking Guns: High-Frequency Links between Transactions and Crime," with Sumit Agarwal and Jeremy Tobacman

"How do Bankruptcy Judges Judge?" with Sumit Agarwal and Souphala Chomsisengphet

"Alleviating a Financial Crunch? The Effect of the 2001 Tax Rebates on Crime," with Jeremy Tobacman

"The Impact of Consumer Spending Dynamics and Debt on Bankruptcy Chapter Choice," with Sumit Agarwal

"Do Bankrupt Households Lie about Debt and Assets?" with Sumit Agarwal

"The Effect of Tax Credits on Subprime Borrowing: Evidence from Pawnshops and Payday Borrowing"