Credit Reporting
The role of credit bureau data and credit scoring in expanding consumer access to loans.
Financial Distress
The causes and consequences of personal bankruptcy and mortgage foreclosures.
Market Studies
Reports for the National Retail Federation, U.S. Chamber of Commerce and more.
I've developed projects on a wide range of consumer finance issues. Some of these research projects were conducted in partnership with organizations such as the World Bank, the National Retail Federation, the U.S. Chamber of Commerce, and other national associations. Examples of topics include credit card usage and payment patterns, college student credit card usage, and the impact of privacy laws and data usage regulation on the availability of products to consumers. I'm particularly proud of a series of projects on consumer financial distress sponsored jointly by the Consumer Federation of America and American Express that demonstrate the rehabilitative effects of credit counseling on long-term borrower behavior.
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A few of the resulting reports are included here. Please peruse this linked research for your own reference and use.
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