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Credit Access, the Costs of Credit and Credit Market Discrimination
Bank credit Debt payments Discrimination Household credit Interest rates Loan denials
2011/8/22
Since the early 1990s, credit expanded relative to income, especially after 2001. It is hypothesized that traditionally uneven credit access and gaps in the costs of credit by demographic characterist...
Personal Bankruptcy and Credit Market Competition
personal bankruptcy rates exogenous variation market contestability lending productivity
2011/8/22
We document a link between U.S. credit supply and rising personal bankruptcy rates. We exploit the exogenous variation in market contestability brought on by banking deregulation—the relaxation of ent...