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Money as Infrastructure
(2018)
Traditional infrastructure regulation—the law of regulated industries—rests atop three pillars: rate regulation, entry restriction, and universal service. This mode of regulation has typically been applied to providers of ...
Payday Loans and Credit Cards
(American Economic Review: Papers and Proceedings, 2009)
Using a unique dataset matched at the individual level from two administrative sources, we examine household choices between liabilities and assess the informational content of prime and subprime credit scores in the ...