Over 30m US adults do not use formal consumer credit. How many of these are inefficiently
excluded because they lack a credit history or have a poor credit score? We develop a …

Since the 2000s, economists across fields have increasingly used consumer credit reporting
data for research. We introduce readers to the economics of and the institutional details of …

Information is central to the functioning of financial markets. Historically, voluntary
information sharing among firms has developed through the establishment of intermediaries …

This dissertation has three chapters. Each chapter of my thesis studies different topics within
the field of household finance. My research focuses on household finance topics that are …

$50,000,000,000. That is the estimated annual cost of African American male joblessness to
the United States economy, according to a 2021 report from the Center for Economic and …

Background A secured card is a type of credit card that requires the borrower to post a
security deposit as collateral against some portion of the credit line, typically the full amount …