Payday Lending Regulation

 

Consumers Fare Worse Under Payday Loan Bans: Research from Georgia, North Carolina and Oregon Shows Harm
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Restrictions on Credit: A Public Policy Analysis of Payday Lending; Petru S. Stoianovici, The Brattle Group and Michael T. Maloney, Clemson University.
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Restricting Consumer Credit Access: Household Survey Evidence on Effects Around the Oregon Rate Cap; Jonathan Zinman, Dartmouth College.
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Restrictions on Payday Loans Do More Harm Than Good; Researchers at George Mason University and Colby College.
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Urban Institute Finds Full Disclosures, Increased Competition in Short-Term Loan Market Helps Working Families

Federal Reserve Bank of New York Staff Report Finds Consumers Fare Worse under Payday Loan Bans

Survey by University of North Carolina Finds Consumers Face Costly Short-term Credit Choices Since Payday Loans Exited the State

Study by Yale and Dartmouth Economists Finds High-Risk Borrowers Benefit From High-Rate Loans

Veritec Report Shows CRL Report Misinterprets Statistical Information