Frauds and Scams: A Post-Pandemic Consumer Perspective [SSRN]
Price Regulation in Consumer Financial Markets: The Case of Mortgage Escrow (with Laurence Bristow) [SSRN]
Home Purchase Appraisals in Minority Neighborhoods (with Sean Cannon, Christopher W. Davis, and Ken Lam) [SSRN]
Competition and Customer Acquisition in the US Credit Card Market [SSRN]
Media Coverage: Unibul's Money Blog
The Evolution of Competition in the Credit Card Market [SSRN]
When Consumer Financial Protection Spills Over: Student Loan Borrowing Under the CARD Act (with Alexander L. Brown and Paolina Medina) (Forthcoming in Management Science) [SSRN]
Consumer Demand for Credit Card Services (with Alexei Alexandrov, Ozlem Bedre-Defolie, and Sergei Koulayev) (Journal of Financial Services Research, vol. 55 (2), 2023 ) [SSRN] [JFSR]
Credit Cards and the Floating Rate Channel of Monetary Policy (Applied Economics Letters, vol. 30 (3), 2022) [SSRN] [AEL]
Sustained Credit Card Borrowing (with Sergei Koulayev) (Journal of Consumer Affairs, vol. 55, 2021) [SSRN] [JCA]
Media Coverage: MarketWatch
The Credit Consequences of Unpaid Medical Bills (with Kenneth Brevoort and Martin Hackmann) [This is an updated draft of our paper formerly titled "Medicaid and Financial Health"] (Journal of Public Economics, vol. 187, 2020) [SSRN] [JPubE]
Death and Taxes: An Evaluation of Prospective Policies for Taxing Wealth at the Time of Death (joint with Robert Avery and Kevin Moore), The National Tax Journal, vol. 68(3), 2015 [SSRN] [NTA]