Joshua M. Frank

Center for Responsible Lending

Senior Researcher

302 West Main St.

Durham, NC 27701

United States

http://www.responsiblelending.org

SCHOLARLY PAPERS

10

DOWNLOADS
Rank 49,391

SSRN RANKINGS

Top 49,391

in Total Papers Downloads

800

CITATIONS

6

Scholarly Papers (10)

1.

Under the Hood: Auto Loan Interest Rate Hikes Inflate Consumer Costs and Loan Losses

Number of pages: 25 Posted: 09 Jun 2011
Delvin Davis and Joshua M. Frank
Center for Responsible Lending and Center for Responsible Lending
Downloads 197 (152,958)
Citation 2

Abstract:

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auto loan, interest rate, markups, delinquency, repossession

2.

Stacked Deck: A Statistical Analysis of Forced Arbitration

Number of pages: 24 Posted: 20 Aug 2009
Joshua M. Frank
Center for Responsible Lending
Downloads 114 (240,495)

Abstract:

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credit cards, arbitration, binding, mandatory, forced, bias

3.

Credit Card Clarity: CARD Act Reform Works

Number of pages: 26 Posted: 09 Feb 2012
Joshua M. Frank
Center for Responsible Lending
Downloads 92 (278,198)
Citation 1

Abstract:

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credit card, pricing, regulation, CARD Act, transparency, credit availability

4.

Priceless or Just Expensive? The Use of Penalty Rates in the Credit Card Industry

Number of pages: 26 Posted: 20 Aug 2009
Joshua M. Frank
Center for Responsible Lending
Downloads 91 (280,104)

Abstract:

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credit cards, penalty APR, default APR, universal default, information, risk-based pricing, moral hazard

5.

What's Draining Your Wallet? The Real Cost of Credit Card Cash Advances

Center for Responsible Lending Research Papers
Number of pages: 48 Posted: 18 Aug 2009
Joshua M. Frank
Center for Responsible Lending
Downloads 85 (292,435)
Citation 2

Abstract:

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credit cards, payment allocation, APR, information, risk-based pricing

6.

Banks Collect Overdraft Opt-Ins Through Misleading Marketing: Survey Finds Low Opt-In Rate, High Number of Misperceptions

Number of pages: 7 Posted: 08 Feb 2012 Last Revised: 03 Mar 2012
Joshua M. Frank and Peter Smith
Center for Responsible Lending and Center for Responsible Lending
Downloads 80 (303,331)

Abstract:

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overdraft, checking, deposit accounts, debit, opt-in, defaults, cognitive errors

7.

Dodging Reform: As Some Credit Card Abuses are Outlawed, New Ones Proliferate

Number of pages: 32 Posted: 04 Feb 2012
Joshua M. Frank
Center for Responsible Lending
Downloads 47 (396,292)
Citation 4

Abstract:

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8.

Numbers Game: The True Cost of Credit Card Mail Offers

Number of pages: 14 Posted: 09 Feb 2012
Joshua M. Frank
Center for Responsible Lending
Downloads 41 (418,097)

Abstract:

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credit card, schumer box, price, complexity, CARD Act

9.

A Just Fee or Just a Fee? An Examination of Credit Card Late Fees

Number of pages: 13 Posted: 07 Feb 2012
Joshua M. Frank
Center for Responsible Lending
Downloads 34 (446,507)

Abstract:

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credit card, late fee, penalty fee, CARD Act, risk

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credit card, risk, scoring, transactions, behavioral, privacy, disparate impact