Job-testing technologies enable firms to rely less on human judgment when making hiring
decisions. Placing more weight on test scores may improve hiring decisions by reducing the …

We find that increases in employer concentration causally reduce wages, using a new
instrument for employer concentration based on changes in large firms' national hiring …

How does banking competition affect credit provision and growth? How does it affect
financial stability? In order to identify the causal effects of banking competition, we exploit a …

The 2009 CARD Act limited credit card lenders' ability to raise borrowers' interest rates on
the basis of information learned during lending relationships. This paper estimates the …

Children born into poverty in rural America achieve higher average income levels as adults
than their urban peers. As economic opportunity tends to be more abundant in cities, this" …

We exploit local deficits and state-level differences in police revenue retention from civil
asset forfeitures to estimate how incentives to raise revenue influence policing. In a national …

Enhanced immune functioning in response to biodiversity may explain potential health
benefits from exposure to green space. Using unique data on urban forest biodiversity at the …

We build on recent studies on daughter-to-father influence to explore how male founders'
fatherhood of daughters impacts female representation in their ventures. We find that …

The revolving credit available to consumers changes substantially over the business cycle,
the life cycle, and for individuals. We show that debt changes at the same time as credit, so …

Little work has examined how unsecured consumer credit, such as the limit on credit cards,
varies over the life cycle, and how consumers respond to changes in their ability to borrow …