J. Michael Collins

Follette School of Public Affairs

1180 Observatory Drive

Madison, WI 53706-1393

United States

  • Follette School of Public Affairs

SCHOLARLY PAPERS

31

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64

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60

Scholarly Papers (31)

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1.

State Mandated Financial Education and the Credit Behavior of Young Adults

Downloads 1,073 (34,701)
Citation 12

State Mandated Financial Education and the Credit Behavior of Young Adults

FEDS Working Paper No. 2014-68
Number of pages: 42 Posted: 21 Feb 2015
Alexandra Brown, J. Michael Collins, Maximilian D. Schmeiser and Carly Urban
Board of Governors of the Federal Reserve System, Follette School of Public Affairs, Amazon Lending and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 730 (58,248)
Citation 10

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Financial literacy, financial education, credit score, delinquency

State Mandated Financial Education and the Credit Behavior of Young Adults

Divisions of Research & Statistics and Monetary Affairs Federal Reserve Board, Washington, D.C., Finance and Economics Discussion Series No. 2014-68
Number of pages: 42 Posted: 15 Sep 2014
Alexandra Brown, J. Michael Collins, Maximilian D. Schmeiser and Carly Urban
Board of Governors of the Federal Reserve System, Follette School of Public Affairs, Amazon Lending and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 343 (145,989)
Citation 8

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financial literacy, financial education, personal finance, synthetic controls

2.

Financial Advice: A Substitute for Financial Literacy?

Financial Services Review, Vol. 21, No. 4, 307-322
Number of pages: 16 Posted: 26 Apr 2012 Last Revised: 05 Feb 2014
J. Michael Collins
Follette School of Public Affairs
Downloads 1,005 (38,087)
Citation 67

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Financial planning, Financial capability

3.

Financial Education and Counseling — Still Holding Promise

Journal of Consumer Affairs, 44(3), 483-498.
Number of pages: 16 Posted: 30 Dec 2009 Last Revised: 05 Feb 2014
J. Michael Collins and Collin O'Rourke
Follette School of Public Affairs and University of Wisconsin - Madison
Downloads 733 (58,771)
Citation 12

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financial education, homeownership counseling, credit counseling, bankruptcy education and counseling

4.

Aging in Place: Analyzing the Use of Reverse Mortgages to Preserve Independent Living Summary Report of Survey Results

Number of pages: 90 Posted: 19 Mar 2016 Last Revised: 06 May 2016
Stephanie Moulton, Cäzilia Loibl, Donald R. Haurin, J. Michael Collins, Stephen Roll, Olga Kondratjeva and Wei Shi
Ohio State University- John Glenn College of Public Affairs, The Ohio State University - Department of Human Sciences, Ohio State University (OSU) - Economics, Follette School of Public Affairs, Washington University in St. Louis, John Glenn College of Public Affairs and Ohio State University (OSU) - Economics
Downloads 551 (84,497)
Citation 4

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reverse mortgage, home equity, retirement

5.

Homeownership Education and Counseling: Do We Know What Works?

Research Institute for Housing America Research Paper No. 1102
Number of pages: 52 Posted: 26 Apr 2011
J. Michael Collins and Collin O'Rourke
Follette School of Public Affairs and University of Wisconsin - Madison
Downloads 397 (124,975)

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Counseling, Mortgage Performance, Homebuyer Education

6.

Household Debt and Adult Depressive Symptoms

Number of pages: 39 Posted: 16 Jan 2013
Lawrence M. Berger, J. Michael Collins and Laura Cuesta
University of Wisconsin-Madison, Institute for Research on Poverty and School of Soical Work, Follette School of Public Affairs and University of Wisconsin-Madison, Institute for Research on Poverty and School of Social Work
Downloads 340 (148,364)
Citation 4

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CES-D, consumer debt, debt, depression, household debt, National Survey of Families and Households, psychological well-being

7.

Still Holding Out Promise: A Review of Financial Literacy Education and Financial Counseling Studies

Network Financial Institute: Working Paper Series: 2012-WP-02
Number of pages: 38 Posted: 22 Jun 2012
J. Michael Collins and Collin O'Rourke
Follette School of Public Affairs and University of Wisconsin - Madison
Downloads 336 (150,248)

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8.

Who Receives a Mortgage Modification? Race and Income Differentials in Loan Workouts

Number of pages: 25 Posted: 20 Jan 2011
J. Michael Collins and Carolina Reid
Follette School of Public Affairs and University of California, Berkeley
Downloads 286 (178,146)
Citation 6

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Mortgage Default and Foreclosure, Housing Policy, Loan Modifications

9.

Improving Financial Literacy: The Role of Nonprofit Providers

Pension Research Council WP 2010-39
Number of pages: 33 Posted: 13 Nov 2010
J. Michael Collins
Follette School of Public Affairs
Downloads 281 (181,376)
Citation 2

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organizations, financial literacy, nonprofit, counseling, education, retirement, public, credit

10.

State Mortgage Foreclosure Policies and Lender Interventions: Impacts on Borrower Behavior in Default

Journal of Policy Analysis and Management, 30(2), 216-232
Number of pages: 20 Posted: 12 Nov 2009 Last Revised: 05 Feb 2014
J. Michael Collins, Ken Lam and Christopher E. Herbert
Follette School of Public Affairs, Abt Associates, Inc. and Harvard University - Joint Center for Housing Studies
Downloads 269 (189,523)
Citation 8

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Mortgage Default, Foreclosure Counseling Evaluation, State Foreclosure Laws

11.

Educating the Experts: Online Financial Education for Credit Union Employees

Number of pages: 27 Posted: 14 Mar 2011 Last Revised: 04 Apr 2011
J. Michael Collins and Deanna Dietrich
Follette School of Public Affairs and University of Wisconsin - Madison
Downloads 250 (203,866)
Citation 1

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Financial Education, Financial Literacy

12.

The Impacts of Mandatory Financial Education: Evidence from a Randomized Field Study

Journal of Economic Behavior and Organization, Vol. 95, 2013
Number of pages: 13 Posted: 03 Aug 2010 Last Revised: 06 Feb 2014
J. Michael Collins
Follette School of Public Affairs
Downloads 250 (203,866)
Citation 15

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Financial education, Asset accumulation, Financial security

13.

A Rising Tide Lifts All Homes? Housing Quality Improvements for Safety Net Recipients Since the 1980s

Downloads 201 (250,662)

A Rising Tide Lifts All Homes? Housing Quality Improvements for Safety Net Recipients Since the 1980s

Number of pages: 32 Posted: 25 Apr 2023
Erik Hembre, J. Michael Collins and Samuel Wylde
University of Illinois at Chicago - Department of Economics, Follette School of Public Affairs and University of Illinois Chicago
Downloads 161 (304,429)

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Consumption Inequality, Housing Quality, Safety Net, Poverty

A Rising Tide Lifts All Homes? Housing Quality Improvements for Safety Net Recipients Since the 1980s

Number of pages: 32 Posted: 16 May 2023
Erik Hembre, J. Michael Collins and Samuel Wylde
University of Illinois at Chicago - Department of Economics, Follette School of Public Affairs and University of Illinois Chicago
Downloads 40 (714,860)

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Codes: I31, I32, R21

14.

Estimating the Effects of Foreclosure Counseling for Troubled Borrowers

Downloads 191 (262,401)
Citation 2

Estimating the Effects of Foreclosure Counseling for Troubled Borrowers

Number of pages: 42 Posted: 20 Jul 2010
J. Michael Collins and Maximilian D. Schmeiser
Follette School of Public Affairs and Amazon Lending
Downloads 126 (371,038)
Citation 1

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counseling, foreclosure, mortgage default

Estimating the Effects of Foreclosure Counseling for Troubled Borrowers

Number of pages: 43 Posted: 03 Sep 2010
J. Michael Collins and Maximilian D. Schmeiser
Follette School of Public Affairs and Amazon Lending
Downloads 65 (571,670)
Citation 1

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15.

Mandatory Mediation Laws and the Renegotiation of Mortgage Contracts

Number of pages: 37 Posted: 27 Aug 2011 Last Revised: 05 Feb 2014
J. Michael Collins and Carly Urban
Follette School of Public Affairs and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 154 (315,936)

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mortgage foreclosure, mediation

16.

Reminders to Pay Property Tax Payments: A Field Experiment of Older Adults with Reverse Mortgages

Number of pages: 27 Posted: 06 Sep 2019
Stephanie Moulton, J. Michael Collins, Cäzilia Loibl, Donald R. Haurin and Julia Brown
Ohio State University- John Glenn College of Public Affairs, Follette School of Public Affairs, The Ohio State University - Department of Human Sciences, Ohio State University (OSU) - Economics and University of Maryland - Department of Economics
Downloads 139 (343,065)
Citation 2

Abstract:

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property taxes, seniors, reverse mortgages, reminders

17.

A Framework for Developing and Testing Financial Capability Programs Targeted to Elementary Schools

Number of pages: 27 Posted: 26 Sep 2013
J. Michael Collins and Elizabeth R. Odders-White
Follette School of Public Affairs and University of Wisconsin - Madison - Department of Finance, Investment and Banking
Downloads 134 (352,980)

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Financial capability, personal finance, elementary education

18.

The Effects of the Real Estate Bust on Renter Perceptions of Homeownership

Number of pages: 39 Posted: 14 Mar 2010
J. Michael Collins and Laura Choi
Follette School of Public Affairs and Federal Reserve Bank of San Francisco
Downloads 128 (365,323)
Citation 2

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homeownership, housing downturn, renters

19.

The Impact of Prescription Drug Black Box Warnings on College Students’ Risk Perceptions and Information Processing

Number of pages: 32 Posted: 27 Feb 2010
J. Michael Collins and Maximilian D. Schmeiser
Follette School of Public Affairs and Amazon Lending
Downloads 121 (381,090)

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Product Disclosure, Risk Perception

20.

Mortgage Mistakes? Demographic Factors Associated with Problematic Loan Application Behaviors

Journal of Family and Economic Issues, 32(4), 586-599
Number of pages: 14 Posted: 17 Nov 2009 Last Revised: 06 Feb 2014
J. Michael Collins
Follette School of Public Affairs
Downloads 101 (433,715)
Citation 1

Abstract:

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financial capability, financial education and counseling, mortgage application behavior

21.

Buying Consumption Smoothing: Saving for the Future by Buying Ahead

Number of pages: 48 Posted: 02 Dec 2020
J. Michael Collins and Amrita Kulka
Follette School of Public Affairs and University of Wisconsin - Madison
Downloads 96 (448,621)

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Consumption. Spending, Liquidity

22.

You Could Lose Your Home: The Effects of State Policies Mandating Subprime Mortgage Risk Disclosures on Consumer Evaluations of Loan Offers

Number of pages: 55 Posted: 16 Nov 2009
J. Michael Collins
Follette School of Public Affairs
Downloads 89 (470,768)

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mortgage disclosure, consumer policy, information disclosures

23.

Does Access to Bank Accounts as a Minor Improve Financial Capability? Evidence from Minor Bank Account Laws

FEDS Working Paper No. 2021-75
Number of pages: 33 Posted: 29 Nov 2021
J. Michael Collins, Jeff Larrimore and Carly Urban
Follette School of Public Affairs, Board of Governors of the Federal Reserve System and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 83 (491,281)

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Unbanked, Financial Inclusion, Bank Regulation, Financial Capability

24.

Protecting Minority Homeowners: Race, Foreclosure Counseling and Mortgage Modifications

Journal of Consumer Affairs, 47(2), 289-310.
Number of pages: 22 Posted: 24 Oct 2012 Last Revised: 06 Feb 2014
J. Michael Collins, Maximilian D. Schmeiser and Carly Urban
Follette School of Public Affairs, Amazon Lending and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 83 (491,281)
Citation 2

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Mortgage Default and Foreclosure, Financial Counseling, Default Counseling, Mortgage Modification

25.

Can Knowledge Empower Women to Save More for Retirement?

CRR WP 2017-12
Number of pages: 33 Posted: 02 Oct 2017
Drew Anderson and J. Michael Collins
RAND Corporation and Follette School of Public Affairs
Downloads 66 (558,656)
Citation 1

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26.

Extraneous Affect and Credit Card Offers

Number of pages: 44 Posted: 18 Dec 2009
J. Michael Collins and Alice M. Isen
Follette School of Public Affairs and Cornell University - Samuel Curtis Johnson Graduate School of Management
Downloads 54 (616,059)

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affect and cognition, consumer disclosures, financial decision making

27.

The Assets and Liabilities of Cohorts: The Antecedents of Retirement Security

Michigan Retirement Research Center Research Paper No. 2013-296
Number of pages: 58 Posted: 11 Jan 2014
J. Michael Collins, John Karl Scholz and Ananth Seshadri
Follette School of Public Affairs, University of Wisconsin - Madison - Department of Economics and University of Wisconsin - Madison - Department of Economics
Downloads 51 (632,066)
Citation 2

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reitrement security, Great Recession, debt

28.

Pragmatic Field Experiments in Policy Research: The Case of a Pilot Program for Municipal Water Customers

Number of pages: 52 Posted: 26 Jun 2018
Stephanie Moulton, J. Michael Collins and Olga Kondratjeva
Ohio State University- John Glenn College of Public Affairs, Follette School of Public Affairs and John Glenn College of Public Affairs
Downloads 45 (666,202)
Citation 1

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Randomized Control Trial, Field Experiment, Financial Capability

29.

Exploring the Rise of Mortgage Borrowing Among Older Americans

Downloads 43 (678,285)
Citation 3

Exploring the Rise of Mortgage Borrowing Among Older Americans

Number of pages: 44 Posted: 14 May 2018
J. Michael Collins, Erik Hembre and Carly Urban
Follette School of Public Affairs, University of Illinois at Chicago - Department of Economics and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 43 (694,380)
Citation 3

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Exploring the Rise of Mortgage Borrowing Among Older Americans

Posted: 07 Nov 2019
J. Michael Collins, Erik Hembre and Carly Urban
Follette School of Public Affairs, University of Illinois at Chicago - Department of Economics and Montana State University - Bozeman - Department of Agricultural Economics and Economics

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Household Economics, Consumer Debt, Personal Finance, Personal Savings, Retirement

30.

Saving by Buying Ahead: Stockpiling in Response to Income Tax

Number of pages: 41 Posted: 27 Jan 2022
J. Michael Collins and Amrita Kulka
Follette School of Public Affairs and University of Warwick
Downloads 29 (776,231)

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Consumption, Lump-sum payments, Stockpiling

31.

How Good is the GFE? How Truthful is the TILA? Comparing Mortgage Loan Disclosures to Settlement Documents

Housing Policy Debate, 21(4), 565-583.
Posted: 04 Mar 2010 Last Revised: 06 Feb 2014
J. Michael Collins
Follette School of Public Affairs

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regulation, mortgages, banking, discrimination