J. Michael Collins

University of Wisconsin - Madison

Assoc Professor

United States

SCHOLARLY PAPERS

28

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Top 14,938

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24

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Scholarly Papers (28)

1.

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
University of Wisconsin - Madison
Downloads 584 (44,653)

Abstract:

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Financial planning, Financial capability

2.

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
University of Wisconsin - Madison and University of Wisconsin - Madison
Downloads 572 (45,856)

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

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
Federal Reserve Board, University of Wisconsin - Madison, Amazon Lending and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 279 (106,571)

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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
Federal Reserve Board, University of Wisconsin - Madison, Amazon Lending and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 175 (168,628)

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financial literacy, financial education, personal finance, synthetic controls

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
Ohio State University- John Glenn College of Public Affairs, The Ohio State University - Department of Human Sciences, Ohio State University (OSU) - Economics, University of Wisconsin - Madison, John Glenn College of Public Affairs, John Glenn College of Public Affairs and Ohio State University (OSU) - Economics
Downloads 403 (70,874)

Abstract:

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reverse mortgage, home equity, retirement

5.

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
University of Wisconsin - Madison
Downloads 262 (114,449)

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

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, University of Wisconsin - Madison and University of Wisconsin-Madison, Institute for Research on Poverty and School of Social Work
Downloads 253 (118,727)

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

7.

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
University of Wisconsin - Madison and University of Wisconsin - Madison
Downloads 244 (123,144)

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Counseling, Mortgage Performance, Homebuyer Education

8.

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
University of Wisconsin - Madison and University of Wisconsin - Madison
Downloads 235 (127,905)

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9.

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
University of Wisconsin - Madison, Abt Associates, Inc. and Harvard University - Joint Center for Housing Studies
Downloads 231 (130,101)

Abstract:

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Mortgage Default, Foreclosure Counseling Evaluation, State Foreclosure Laws

10.

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
University of Wisconsin - Madison and University of California, Berkeley
Downloads 225 (133,510)

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Mortgage Default and Foreclosure, Housing Policy, Loan Modifications

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
University of Wisconsin - Madison and University of Wisconsin - Madison
Downloads 220 (136,425)

Abstract:

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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
University of Wisconsin - Madison
Downloads 188 (158,023)

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Financial education, Asset accumulation, Financial security

Estimating the Effects of Foreclosure Counseling for Troubled Borrowers

Number of pages: 42 Posted: 20 Jul 2010
J. Michael Collins and Maximilian D. Schmeiser
University of Wisconsin - Madison and Amazon Lending
Downloads 103 (257,245)

Abstract:

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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
University of Wisconsin - Madison and Amazon Lending
Downloads 49 (391,552)

Abstract:

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14.

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
University of Wisconsin - Madison and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 139 (204,456)

Abstract:

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mortgage foreclosure, mediation

15.

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
University of Wisconsin - Madison and Federal Reserve Bank of San Francisco
Downloads 94 (271,466)

Abstract:

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homeownership, housing downturn, renters

16.

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
University of Wisconsin - Madison
Downloads 86 (287,154)

Abstract:

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financial capability, financial education and counseling, mortgage application behavior

17.

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
University of Wisconsin - Madison and Amazon Lending
Downloads 79 (302,237)

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Product Disclosure, Risk Perception

18.
Downloads 69 (326,294)

Abstract:

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mortgage disclosure, consumer policy, information disclosures

19.

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
University of Wisconsin - Madison and University of Wisconsin - Madison - Department of Finance, Investment and Banking
Downloads 62 (344,996)

Abstract:

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Financial capability, personal finance, elementary education

20.

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
University of Wisconsin - Madison, Amazon Lending and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 62 (344,996)

Abstract:

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

Exploring the Rise of Mortgage Borrowing Among Older Americans

Number of pages: 40 Posted: 22 Mar 2018
J. Michael Collins, Erik Hembre and Carly Urban
University of Wisconsin - Madison, University of Illinois at Chicago - Department of Economics and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 28 (481,685)

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

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
University of Wisconsin - Madison, University of Illinois at Chicago - Department of Economics and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 23 (511,035)

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22.

Extraneous Affect and Credit Card Offers

Number of pages: 44 Posted: 18 Dec 2009
J. Michael Collins and Alice M. Isen
University of Wisconsin - Madison and Cornell University - Samuel Curtis Johnson Graduate School of Management
Downloads 42 (409,667)

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affect and cognition, consumer disclosures, financial decision making

23.

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 University of Wisconsin - Madison
Downloads 32 (449,922)

Abstract:

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24.

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
University of Wisconsin - Madison, University of Wisconsin - Madison - Department of Economics and University of Wisconsin - Madison - Department of Economics
Downloads 32 (449,922)

Abstract:

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reitrement security, Great Recession, debt

25.

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, University of Wisconsin - Madison and John Glenn College of Public Affairs
Downloads 16 (535,509)

Abstract:

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Randomized Control Trial, Field Experiment, Financial Capability

26.

The Role of Information on Retirement Planning: Evidence from a Field Study

Economic Inquiry, Vol. 54, Issue 4, pp. 1860-1872, 2016
Number of pages: 13 Posted: 31 Aug 2016
J. Michael Collins and Carly Urban
University of Wisconsin - Madison and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 0 (657,341)
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27.

Mandatory Mediation and the Renegotiation of Mortgage Contracts

The Economic Journal, Vol. 125, Issue 589, pp. 1734-1763, 2015
Number of pages: 30 Posted: 19 Jan 2016
J. Michael Collins and Carly Urban
University of Wisconsin - Madison and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 0 (657,341)
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28.

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
University of Wisconsin - Madison

Abstract:

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regulation, mortgages, banking, discrimination