We thank the editor, Robert DeYoung, an anonymous referee, Todd Gormley, Mark Jenkins, Paul Landefeld, Donald Morgan, Nick Roussanov, Luke Taylor, and Jeremy Tobacman for helpful feedback, in addition to seminar participants during the Wharton School, the GW/FRB/GFLEC Financial Literacy Seminar additionally the Consumer Expenditure Survey Microdata Workshop. I will be grateful to Jimmy Lee, Ryan Pfirrmann‐Powell, Geoffrey Paulin, Arcenis Rojas, yet others within the Division regarding the Consumer Expenditure Survey in the Bureau of Labor Statistics for help accessing the private Consumer Expenditure Survey files, and I also am grateful to Paul Amos regarding the Wharton GIS lab for help with GIS. The Jay H. Baker Retailing Center during the Wharton School providedan referee that is anonymous Todd Gormley, Mark Jenkins, Paul Landefeld, Donald Morgan, Nick Roussanov, Luke Taylor, and Jeremy Tobacman for helpful remarks, along with seminar participants in the Wharton class, the GW/FRB/GFLEC Financial Literacy Seminar as well as the C Reserve System, its people, or its staff

We thank the editor, Robert DeYoung, an anonymous referee, Todd Gormley, Mark Jenkins, Paul Landefeld, Donald Morgan, Nick Roussanov, Luke Taylor, and Jeremy Tobacman for helpful feedback, along with seminar participants in the Wharton School, the GW/FRB/GFLEC Financial Literacy Seminar together with Consumer Expenditure Survey Microdata Workshop. I will be grateful to Jimmy Lee, Ryan Pfirrmann‐Powell, Geoffrey Paulin, Arcenis Rojas, among others into the Division associated with Consumer Expenditure Survey in the Bureau of Labor Statistics for support accessing the private Consumer Expenditure Survey files, and I also am grateful to Paul Amos associated with the Wharton GIS lab for advice about GIS. The Jay H. Baker Retailing Center during the Wharton class providedaonsumer Expenditure Survey Microdata Workshop. I will be grateful to Jimmy Lee, Ryan Pfirrmann‐Powell, Geoffrey Paulin, Arcenis Rojas, among others into the Division associated with the Consumer Expenditure Survey in the Bureau of Labor Statistics for support accessing the private Consumer Expenditure Survey files, and I also have always been grateful to Paul Amos regarding the Wharton GIS lab for help with GIS. The Jay H. Baker Retailing Center in the Wharton class provided ample economic help for the task ahead of the writer’s work because of the Federal Reserve. This paper had been previously circulated as “For Bett generous economic support for the task before the writer’s employment with all the Federal Reserve. This paper ended up being previously circulated as “For Better and for even worse? Outcomes of Usage Of High‐Cost Credit Rating.” T. This research had been carried out with limited usage of Bureau of Labor Statistics (BLS) information. The views right here usually do not always mirror the views regarding the BLS.

Abstract

In this paper, I reveal that high‐cost credit helps households smooth usage after durations of short-term economic stress. After experiencing distress—that is, extreme climate events—I discover that access to high‐cost payday lending mitigates declines in general investing and nondurable products investing generally speaking. The outcome are particularly concentrated among households with an increased tendency to make use of payday credit or that have actually restricted alternatives: low income households, households with not as much as a college degree, and households with low levels of preserving. These outcomes highlight the consumption‐smoothing part that high‐cost credit plays for households with restricted use of other forms of credit.

Wide range of times cited relating to CrossRef: 4

  • Kabir Dasgupta, Brenden J. Mason, the result of Interest Rate Caps on Bankruptcy: Synthetic Control proof from Present Payday Lending Bans, Journal of Banking & Finance, 10.1016/j.jbankfin.2020.105917, (105917), (2020).

Take note: The publisher is certainly not in charge of this content or functionality of every information that is supporting by the authors. Any inquiries (apart from missing content) must be directed towards the matching writer for the content.

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