Brian Melzer

Federal Reserve Bank of Chicago

230 South LaSalle Street

Chicago, IL 60604

United States

  • Federal Reserve Bank of Chicago

SCHOLARLY PAPERS

12

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6,123

SSRN CITATIONS
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Top 6,704

in Total Papers Citations

154

CROSSREF CITATIONS

42

Scholarly Papers (12)

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1.

The Misguided Beliefs of Financial Advisors

Journal of Finance, Forthcoming, Kelley School of Business Research Paper No. 18-9
Number of pages: 66 Posted: 20 Jan 2018 Last Revised: 22 Mar 2021
Juhani T. Linnainmaa, Brian Melzer and Alessandro Previtero
Dartmouth College - Tuck School of Business, Federal Reserve Bank of Chicago and Indiana University - Kelley School of Business - Department of Finance
Downloads 3,280 (5,094)
Citation 32

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Financial Advice, behavioral finance, household finance, investment mistakes, behavioral biases

2.

Unemployment Insurance as a Housing Market Stabilizer

Downloads 1,170 ( 25,710)
Citation 40

Unemployment Insurance as a Housing Market Stabilizer

American Economic Review, Forthcoming
Number of pages: 57 Posted: 05 Dec 2012 Last Revised: 21 Nov 2017
Joanne W. Hsu, David A. Matsa and Brian Melzer
University of Michigan at Ann Arbor - Institute for Social Research (ISR), Northwestern University - Kellogg School of Management and Federal Reserve Bank of Chicago
Downloads 1,132 (26,552)
Citation 42

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Positive Externalities of Social Insurance: Unemployment Insurance and Consumer Credit

NBER Working Paper No. w20353
Number of pages: 61 Posted: 04 Aug 2014 Last Revised: 13 Aug 2022
Joanne W. Hsu, David A. Matsa and Brian Melzer
University of Michigan at Ann Arbor - Institute for Social Research (ISR), Northwestern University - Kellogg School of Management and Federal Reserve Bank of Chicago
Downloads 38 (596,727)

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3.

Retail Financial Advice: Does One Size Fit All?

Journal of Finance, Vol. 72, No. 4, 2017, Fama-Miller Working Paper, Chicago Booth Research Paper No. 14-38
Number of pages: 55 Posted: 12 Nov 2014 Last Revised: 22 Mar 2021
Stephen R. Foerster, Juhani T. Linnainmaa, Brian Melzer and Alessandro Previtero
University of Western Ontario - Richard Ivey School of Business, Dartmouth College - Tuck School of Business, Federal Reserve Bank of Chicago and Indiana University - Kelley School of Business - Department of Finance
Downloads 719 (50,582)
Citation 3

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4.

Loan Contracting in the Presence of Usury Limits: Evidence from Automobile Lending

Consumer Financial Protection Bureau Office of Research Working Paper No. 2017-02
Number of pages: 43 Posted: 07 Apr 2017
Brian Melzer and Aaron Schroeder
Federal Reserve Bank of Chicago and Independent
Downloads 372 (113,245)
Citation 5

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Household finance, consumer credit, financial regulation, usury limit, loan contracting, credit rationing, seller finance, captive finance

5.

Competition and Adverse Selection in the Small-Dollar Loan Market: Overdraft versus Payday Credit

FRB of New York Staff Report No. 391
Number of pages: 33 Posted: 14 Sep 2009 Last Revised: 22 Aug 2010
Brian Melzer and Donald P. Morgan
Federal Reserve Bank of Chicago and Federal Reserve Bank of New York
Downloads 144 (279,345)
Citation 12

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payday credit, overdraft credit, competition, adverse selection

6.

Who Pays the Price? Overdraft Fee Ceilings and the Unbanked

FRB of New York Staff Report No. 973, Rev. Dec. 2021
Number of pages: 44 Posted: 02 Jul 2021 Last Revised: 19 Jul 2022
Jennifer Dlugosz, Brian Melzer and Donald P. Morgan
Board of Governors of the Federal Reserve System, Federal Reserve Bank of Chicago and Federal Reserve Bank of New York
Downloads 111 (338,575)

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banks, credit, overdraft, unbanked, inclusion, checks, price ceilings, usury

7.

Non-Cognitive Abilities and Financial Delinquency: The Role of Self-Efficacy in Avoiding Financial Distress

Downloads 93 (379,954)
Citation 6

Non-Cognitive Abilities and Financial Delinquency: The Role of Self-Efficacy in Avoiding Financial Distress

Journal of Finance, Forthcoming
Number of pages: 48 Posted: 01 Dec 2016 Last Revised: 26 Apr 2018
Camelia M. Kuhnen and Brian Melzer
University of North Carolina Kenan-Flagler Business School & NBER and Federal Reserve Bank of Chicago
Downloads 78 (426,618)
Citation 6

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household finance, financial distress, self-efficacy, subjective expectations, non-cognitive skills

Non-Cognitive Abilities and Financial Delinquency: The Role of Self-Efficacy in Avoiding Financial Distress

NBER Working Paper No. w23028
Number of pages: 36 Posted: 11 Jan 2017 Last Revised: 04 Jun 2022
Camelia M. Kuhnen and Brian Melzer
University of North Carolina Kenan-Flagler Business School & NBER and Federal Reserve Bank of Chicago
Downloads 15 (770,690)

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8.

Retail Financial Advice: Does One Size Fit All?

NBER Working Paper No. w20712
Number of pages: 52 Posted: 01 Dec 2014 Last Revised: 06 Aug 2022
Stephen R. Foerster, Juhani T. Linnainmaa, Brian Melzer and Alessandro Previtero
University of Western Ontario - Richard Ivey School of Business, Dartmouth College - Tuck School of Business, Federal Reserve Bank of Chicago and Indiana University - Kelley School of Business - Department of Finance
Downloads 65 (465,067)
Citation 23

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9.

Do Household Finances Constrain Unconventional Fiscal Policy?

Downloads 60 (483,899)
Citation 2

Do Household Finances Constrain Unconventional Fiscal Policy?

Swiss Finance Institute Research Paper No. 20-32
Number of pages: 37 Posted: 09 Oct 2018 Last Revised: 04 May 2020
Scott R. Baker, Lorenz Kueng, Leslie McGranahan and Brian Melzer
Northwestern University, Kellogg School of Management, Department of Finance, University of Lugano - Faculty of Economics, Federal Reserve Bank of Chicago and Federal Reserve Bank of Chicago
Downloads 46 (553,860)

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consumer durables, counter-cyclical fiscal policy, intertemporal substitution

Do Household Finances Constrain Unconventional Fiscal Policy?

FRB of Chicago Working Paper No. WP-2018-16
Number of pages: 36 Posted: 10 Dec 2018 Last Revised: 29 Apr 2020
Scott R. Baker, Lorenz Kueng, Leslie McGranahan and Brian Melzer
Northwestern University, Kellogg School of Management, Department of Finance, University of Lugano - Faculty of Economics, Federal Reserve Bank of Chicago and Federal Reserve Bank of Chicago
Downloads 7 (853,461)

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counter-cyclical fiscal policy, credit market frictions, consumer durables, household, fiscal policy

Do Household Finances Constrain Unconventional Fiscal Policy?

NBER Working Paper No. w25212
Number of pages: 36 Posted: 05 Nov 2018 Last Revised: 23 May 2021
Scott R. Baker, Lorenz Kueng, Leslie McGranahan and Brian Melzer
Northwestern University, Kellogg School of Management, Department of Finance, University of Lugano - Faculty of Economics, Federal Reserve Bank of Chicago and Federal Reserve Bank of Chicago
Downloads 7 (853,461)

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10.

Spillovers from Costly Credit

US Census Bureau Center for Economic Studies Paper No. CES-WP-11
Number of pages: 24 Posted: 22 Mar 2013
Brian Melzer
Federal Reserve Bank of Chicago
Downloads 56 (499,577)
Citation 3

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11.

Making the House a Home: The Stimulative Effect of Home Purchases on Consumption and Investment

NBER Working Paper No. w23570
Number of pages: 64 Posted: 17 Jul 2017 Last Revised: 28 May 2022
Efraim Benmelech, Adam M. Guren and Brian Melzer
Northwestern University - Kellogg School of Management, Boston University - Department of Economics and Federal Reserve Bank of Chicago
Downloads 36 (594,760)

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12.

Accelerator or Brake? Cash for Clunkers, Household Liquidity, and Aggregate Demand

NBER Working Paper No. w22878
Number of pages: 39 Posted: 05 Dec 2016 Last Revised: 07 Jul 2022
Daniel Green, Brian Melzer, Jonathan A. Parker and Arcenis Rojas
Harvard Business School, Federal Reserve Bank of Chicago, Massachusetts Institute of Technology (MIT) - Sloan School of Management and U.S. Bureau of Labor Statistics
Downloads 17 (727,383)
Citation 1

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