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CV, Google Scholar, Research Statement
Working Papers
Immigration and Credit in America, March 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.
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, Forthcoming in June 2025, Volume 63 (2).
- With Christa Gibbs, Donghoon Lee, Scott Nelson, Wilbert van der Klaauw, & Jialan Wang.
- The official journal link for the main paper does not yet include the Online 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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