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CV, Google Scholar, Research Statement
Working Papers
Immigration and Credit in America, July 2025.
- With Tony Cookson & Will Mullins. SSRN link.
Disaster Flags: Credit Reporting Relief from Natural Disasters, February 2025.
- Chicago Booth Review Article, SSRN link.
Unraveling Information Sharing in Consumer Credit Markets, January 2025.
- My 2023-24 Job Market Paper. With Andrés Shahidinejad.
- Chicago Booth Review Article, SSRN link.
- This research is supported by the NBER Consumer Finance Dissertation Fellowship, Stigler Center PhD Dissertation Award, Bradley Fellowship, and Fama-Miller Center for Research in Finance's John and Serena Liew Fellowship.
Credit Card Minimum Payment Restrictions, July 2024. Bank of Canada Staff Working Paper No. 2024-26.
- With Jason Allen & Michael Boutros. SSRN link. Email for 2025 version.
Publications
The Semblance of Success in Nudging Consumers to Pay Down Credit Card Debt American Economic Journal: Economic Policy, Forthcoming. Accepted in March 2025. (Open Access link).
- With Paul Adams, Stefan Hunt, David Laibson, Neil Stewart, & Jesse Leary.
- Chicago Booth Review Article. This paper was previously circulated as NBER Working Paper No. 31926.
Consumer Credit Reporting Data Journal of Economic Literature, 63 (2): 598–636.
- With Christa Gibbs, Donghoon Lee, Scott Nelson, Wilbert van der Klaauw, & Jialan Wang.
- Open Access links: Paper and Supplemental Appendix.
- This paper was previously circulated as NBER Working Paper No. 32791, CFPB Office of Research Working Paper No. 2024-07, and Federal Reserve Bank of New York Staff Report No. 1114.
How Do Payday Loans Affect Borrowers? Evidence from the U.K. Market Review of Financial Studies, 32 (2), 496–523, 2019.
- With John Gathergood & Stefan Hunt.
- Reprinted in Society for Financial Studies Virtual Issue on Debt.
Default Effects of Credit Card Minimum Payments Journal of Marketing Research, 59 (4), 775–796, 2022.
- With Hiroaki Sakaguchi, Neil Stewart, John Gathergood, Paul Adams, Lucy Hayes, & Stefan Hunt.
- American Marketing Association Blog.
Do Nudges Reduce Borrowing and Consumer Confusion in the Credit Card Market? Economica, 89 (S1: Centenary Issue 1921 - 2021), S178–S199, 2022. Solicited for Centenary Issue.
- With Paul Adams, Lucy Hayes, Stefan Hunt, David Laibson, & Neil Stewart.
- Chicago Booth Review Video & Article (covering Economica & Journal of Marketing Research papers).
Buy Now, Pay Later (BNPL) ...On Your Credit Card Journal of Behavioral and Experimental Finance, 37, 100788, 2023.
- With Chris Firth & John Gathergood.
- Op-Ed on BNPL, Chicago Booth Review Article.
Trends in Medical Debt During the COVID-19 Pandemic JAMA Health Forum, 3 (5), e221031, 2022.
- With Ray Kluender, Neale Mahoney, Francis Wong, Xuyang Xia, & Wes Yin.
- Chicago Booth Review Article.
Levelling Down and the COVID-19 Lockdowns: Uneven Regional Recovery in UK Consumer Spending CEPR Covid Economics, 67, 24–52, 2021.
- With John Gathergood, Fabian Gunzinger, Edika Quispe-Torreblanca, & Neil Stewart.
- Chicago Booth Review Article.
The English Patient: Evaluating Local Lockdowns Using Real-Time COVID-19 & Consumption Data CEPR Covid Economics, 64, 73–100, 2021.
- With John Gathergood.
- Chicago Booth Review Article & VoxEU/CEPR interview covering this and the paper below.
Tracking and Stress-Testing U.S. Household Leverage Economic Policy Review, 24 (1), 35–63, 2018.
- With Andreas Fuster & Andrew Haughwout.
- Liberty Street Economics Blog, Updated Data.
Selected Works-in-Progress
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