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Working Papers
- With Jason Allen & Michael Boutros.
Immigration and Credit in the United States, September 2026 (SSRN).
- With Tony Cookson & Will Mullins.
Targeting Higher Credit Card Payments, October 2026 (SSRN).
Credit Reporting Relief from Natural Disasters, December 2025 (SSRN). Management Science, Revise & Resubmit.
Unraveling Information Sharing in Consumer Credit Markets (SSRN), January 2025.
- With Andrés Shahidinejad.
Do Rules of Thumb Move with Gas Prices? (Draft to be posted following data provider review)
Publications
The Semblance of Success in Nudging Consumers to Pay Down Credit Card Debt (2025) American Economic Journal: Economic Policy, 17 (4), 72-105.
- With Paul Adams, Stefan Hunt, David Laibson, Neil Stewart, & Jesse Leary.
- Journal links: Paper and Supplemental Appendix.
- Chicago Booth Review Article. An earlier version of this paper was circulated as NBER Working Paper No. 31926.
Consumer Credit Reporting Data (2025) Journal of Economic Literature, 63 (2), 598–636.
- With Christa Gibbs, Donghoon Lee, Scott Nelson, Wilbert van der Klaauw, & Jialan Wang.
- Journal links: Paper and Supplemental Appendix.
How Do Payday Loans Affect Borrowers? Evidence from the U.K. Market (2019) Review of Financial Studies, 32 (2), 496–523.
- With John Gathergood & Stefan Hunt.
- Reprinted in Society for Financial Studies Virtual Issue on Debt.
Default Effects of Credit Card Minimum Payments (2022) Journal of Marketing Research, 59 (4), 775–796.
- With Hiroaki Sakaguchi, Neil Stewart, John Gathergood, Paul Adams, Lucy Hayes, & Stefan Hunt.
- American Marketing Association Blog.
Do Nudges Reduce Borrowing and Consumer Confusion in the Credit Card Market? (2022) Economica, 89 (S1: Centenary Issue 1921 - 2021), S178–S199. Solicited for Centenary Issue.
- With Paul Adams, Lucy Hayes, Stefan Hunt, David Laibson, & Neil Stewart.
- Chicago Booth Review Video & Article (covering Economica & Journal of Marketing Research papers).
Buy Now, Pay Later (BNPL) ...On Your Credit Card (2023) Journal of Behavioral and Experimental Finance, 37, 100788.
- With Chris Firth & John Gathergood.
- 2026 Review of Academic Literature on BNPL (with Walter Zhang) (SSRN).
- 2022 Op-Ed on BNPL, Chicago Booth Review Article.
Trends in Medical Debt During the COVID-19 Pandemic (2022) JAMA Health Forum, 3 (5), e221031.
- With Ray Kluender, Neale Mahoney, Francis Wong, Xuyang Xia, & Wes Yin.
- Chicago Booth Review Article.
Levelling Down and the COVID-19 Lockdowns: Uneven Regional Recovery in UK Consumer Spending (2021) CEPR Covid Economics, 67, 24–52.
- With John Gathergood, Fabian Gunzinger, Edika Quispe-Torreblanca, & Neil Stewart.
- Chicago Booth Review Article.
The English Patient: Evaluating Local Lockdowns Using Real-Time COVID-19 & Consumption Data (2021) CEPR Covid Economics, 64, 73–100.
- With John Gathergood.
- Chicago Booth Review Article & VoxEU/CEPR interview covering this and the paper below.
Tracking and Stress-Testing U.S. Household Leverage (2018) Economic Policy Review, 24 (1), 35–63.
- With Andreas Fuster & Andrew Haughwout.
- Liberty Street Economics Blog, Updated Data.
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