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Forthcoming Articles

'The Welfare Effects of Vertical Integration in Multichannel Television Markets,' Gregory S. Crawford (UZH), Robin S. Lee (Harvard), Michael D. Whinston (MIT) and Ali Yurukoglu (Stanford).

Past Highlight

"Rainbow of credit" by Frankieleon, used under CC BY 2.0 / Desaturated from original, with colour filter.

15 December 2015 Organisation of Markets, Public Finance Authors: Sumit Agarwal (NUS), Souphala Chomsisengphet (OCC), Neale Mahoney (Chicago Booth), Johannes Stroebel (NYU)

The impact of consumer financial regulation: evidence from the CARD Act

Does greater regulation of consumer financial products actually benefit consumers? This research, analyzing the CARD act enacted in the U.S. in 2009, suggests that it does. In particular, the act’s restrictions on hidden credit card fees were found to reduce borrowing costs (especially for consumers with low credit scores) without increasing interest charges and other fees and without reducing access to credit.

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