J. Michael Collins

University of Wisconsin - Madison - Center for Financial Security

Assoc Professor & Faculty Director

United States

SCHOLARLY PAPERS

25

DOWNLOADS
Rank 10,130

SSRN RANKINGS

Top 10,130

in Total Papers Downloads

3,746

CITATIONS
Rank 14,994

SSRN RANKINGS

Top 14,994

in Total Papers Citations

24

Scholarly Papers (25)

1.

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 - Center for Financial Security and University of Wisconsin - Madison
Downloads 445 (43,483)
Citation 7

Abstract:

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

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
University of Wisconsin - Madison - Center for Financial Security
Downloads 329 (49,225)

Abstract:

Financial planning, Financial capability

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 - Center for Financial Security, Amazon Lending and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 156 (156,254)

Abstract:

financial literacy, financial education, personal finance, synthetic controls

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 - Center for Financial Security, Amazon Lending and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 71 (275,350)

Abstract:

Financial literacy, financial education, credit score, delinquency

4.

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 - Center for Financial Security
Downloads 205 (102,052)
Citation 5

Abstract:

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

5.

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 - Center for Financial Security, Abt Associates, Inc. and Harvard University - Joint Center for Housing Studies
Downloads 201 (115,358)
Citation 2

Abstract:

Mortgage Default, Foreclosure Counseling Evaluation, State Foreclosure Laws

6.

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 - Center for Financial Security and University of California, Berkeley
Downloads 197 (116,415)
Citation 1

Abstract:

Mortgage Default and Foreclosure, Housing Policy, Loan Modifications

7.

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 - Center for Financial Security and University of Wisconsin - Madison
Downloads 188 (118,018)

Abstract:

Financial Education, Financial Literacy

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 - Center for Financial Security and University of Wisconsin - Madison
Downloads 168 (122,510)
Citation 2

Abstract:

9.

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 - Center for Financial Security and University of Wisconsin-Madison, Institute for Research on Poverty and School of Social Work
Downloads 148 (120,244)

Abstract:

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

10.

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 - Center for Financial Security
Downloads 148 (152,685)
Citation 1

Abstract:

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 - Center for Financial Security and Amazon Lending
Downloads 98 (224,659)
Citation 2

Abstract:

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 - Center for Financial Security and Amazon Lending
Downloads 47 (339,471)
Citation 2

Abstract:

12.

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 - Center for Financial Security and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 114 (178,095)

Abstract:

mortgage foreclosure, mediation

13.

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 - Center for Financial Security and University of Wisconsin - Madison
Downloads 113 (139,752)
Citation 3

Abstract:

Counseling, Mortgage Performance, Homebuyer Education

14.

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 - Center for Financial Security
Downloads 77 (248,527)

Abstract:

financial capability, financial education and counseling, mortgage application behavior

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 - Center for Financial Security and Federal Reserve Bank of San Francisco
Downloads 75 (244,847)

Abstract:

homeownership, housing downturn, renters

16.

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
University of Wisconsin - Madison - Center for Financial Security
Downloads 62 (285,830)
Citation 1

Abstract:

mortgage disclosure, consumer policy, information disclosures

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 - Center for Financial Security and Amazon Lending
Downloads 57 (274,629)

Abstract:

Product Disclosure, Risk Perception

18.

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 - Center for Financial Security, Amazon Lending and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 49 (316,198)

Abstract:

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

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 - Center for Financial Security and University of Wisconsin - Madison - Department of Finance, Investment and Banking
Downloads 38 (324,874)

Abstract:

Financial capability, personal finance, elementary education

20.

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 - Center for Financial Security and Cornell University - Samuel Curtis Johnson Graduate School of Management
Downloads 34 (366,275)

Abstract:

affect and cognition, consumer disclosures, financial decision making

21.

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 - Center for Financial Security, University of Wisconsin - Madison - Department of Economics and University of Wisconsin - Madison - Department of Economics
Downloads 23 (406,370)

Abstract:

reitrement security, Great Recession, debt

22.

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 - Center for Financial Security and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 0 (553,501)

Abstract:

23.

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 - Center for Financial Security, John Glenn College of Public Affairs, John Glenn College of Public Affairs and Ohio State University (OSU) - Economics
Downloads 0 (151,879)

Abstract:

reverse mortgage, home equity, retirement

24.

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 - Center for Financial Security and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 0 (553,501)

Abstract:

25.

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 - Center for Financial Security

Abstract:

regulation, mortgages, banking, discrimination