Gregory Elliehausen

Board of Governors of the Federal Reserve System

20th Street and Constitution Avenue NW

Washington, DC 20551

United States

SCHOLARLY PAPERS

16

DOWNLOADS
Rank 34,165

SSRN RANKINGS

Top 34,165

in Total Papers Downloads

2,808

SSRN CITATIONS
Rank 39,958

SSRN RANKINGS

Top 39,958

in Total Papers Citations

14

CROSSREF CITATIONS

10

Scholarly Papers (16)

1.

Credit for me but not for thee: The effects of the Illinois rate cap

Number of pages: 39 Posted: 02 Jan 2023 Last Revised: 03 Jul 2023
J. Brandon Bolen, Gregory Elliehausen and Thomas W. Miller Jr.
Mississippi College, Board of Governors of the Federal Reserve System and Mississippi State University
Downloads 730 (66,713)

Abstract:

Loading...

Small-Dollar Credit; Interest rate cap; Installment lending

2.

An Assessment of Behavioral Law and Economics Contentions and What We Know Empirically About Credit Card Use by Consumers

George Mason Law & Economics Research Paper No. 14-46
Number of pages: 73 Posted: 24 Sep 2014 Last Revised: 15 Jan 2016
Thomas A. Durkin, Gregory Elliehausen and Todd J. Zywicki
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and George Mason University - Antonin Scalia Law School
Downloads 399 (139,739)
Citation 1

Abstract:

Loading...

bank overdraft, behavioral law and economics, consumer behavior, credit cards, debit cards, empirical analysis, government policy, interest rates, Juster-Shay model, mortgage loan, payday loan, shrouded fees, transaction interchange fees

3.

Consumer Credit and the American Economy: An Overview

Journal of Law, Economics and Policy, Forthcoming, George Mason Legal Studies Research Paper No. LS 15-18, George Mason Law & Economics Research Paper No. 15-34
Number of pages: 40 Posted: 09 Sep 2015
Thomas A. Durkin, Gregory Elliehausen and Todd J. Zywicki
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and George Mason University - Antonin Scalia Law School
Downloads 359 (157,221)
Citation 1

Abstract:

Loading...

consumer credit, credit cards, payday loans, behavioral economics, law and economics

4.

Introduction and Overview of Consumer Credit: Development, Uses, Kinds, and Policy Issues

Consumer Credit and the American Economy, Ch. 1 (Oxford University Press, 2014), George Mason Law & Economics Research Paper No. 14-57
Number of pages: 38 Posted: 30 Oct 2014
Thomas A. Durkin, Gregory Elliehausen, Michael Staten and Todd J. Zywicki
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, University of Arizona and George Mason University - Antonin Scalia Law School
Downloads 303 (188,348)

Abstract:

Loading...

consumer credit, credit cards, personal loans, personal bankruptcy, auto loans, student loans, financial management, household investment, installment, revolving, noninstallment, closed-end, open-end, credit reporting agency, CRA, credit bureau, regulation, financial institutions

5.

Rate Ceilings and the Distribution of Small Dollar Loans from Consumer Finance Companies: Results of a New Survey of Small Dollar Cash Lenders

Number of pages: 40 Posted: 04 Dec 2014
Thomas A. Durkin, Gregory Elliehausen and Min Hwang
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and George Washington University - Department of Finance
Downloads 268 (213,659)
Citation 10

Abstract:

Loading...

Consumer finance, regulation, intrest rate ceilings

6.

Consumers and Guaranteed Asset Protection (“GAP Protection”) on Vehicle Loans and Sales-Financing Contracts: A First Look

Number of pages: 28 Posted: 01 Oct 2021
Thomas A. Durkin, Gregory Elliehausen and Thomas W. Miller Jr.
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Mississippi State University
Downloads 155 (353,417)

Abstract:

Loading...

GAP, GAP Waiver, GAP insurance, vehicle financing, ancillary products, consumer credit, debt cancellation agreements

7.

Assessing the Price of Short-Term Credit

Number of pages: 29 Posted: 28 Feb 2014
Thomas A. Durkin and Gregory Elliehausen
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 145 (373,038)
Citation 1

Abstract:

Loading...

consumer credit, finance charge, Annual Percentage Rate, APR, payday loans, Truth in Lending

8.

Fintech and Banks: Strategic Partnerships that Circumvent State Usury Laws

FEDS Working Paper No. 2023-56
Number of pages: 45 Posted: 14 Sep 2023
Gregory Elliehausen and Simona Hannon
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 107 (469,775)
Citation 1

Abstract:

Loading...

Consumer Credit, Access to Credit, Interest Rate Cap, Financial Regulation, FinTech

9.

A New Look at the Effects of the Interest Rate Ceiling in Arkansas

FEDS Working Paper No. 2021-045R1
Number of pages: 42 Posted: 10 Aug 2021 Last Revised: 07 Sep 2021
Gregory Elliehausen, Simona Hannon and Thomas W. Miller Jr.
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Mississippi State University
Downloads 81 (562,204)
Citation 1

Abstract:

Loading...

Consumer Credit, Access to Credit, Interest Rate Cap, Financial Regulation

10.

The Credit Card Act and Consumer Finance Company Lending

FEDS Working Paper No. 2017-72
Number of pages: 32 Posted: 04 Jul 2017 Last Revised: 13 Jul 2017
Gregory Elliehausen and Simona Hannon
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 77 (579,002)
Citation 3

Abstract:

Loading...

11.

New Evidence on an Old Unanswered Question: Why Some Borrowers Purchase Credit Insurance and Other Debt Protection and Some Do Not

Number of pages: 25 Posted: 20 Nov 2017
Thomas A. Durkin and Gregory Elliehausen
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 65 (634,538)
Citation 1

Abstract:

Loading...

Personal Finance, Insurance, Consumer Protection, Credit Insurance

12.

Service Contracts on Vehicle Purchases: Findings from a New Survey

Number of pages: 15 Posted: 30 Jun 2023
Thomas A. Durkin, Gregory Elliehausen and Thomas W. Miller Jr.
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Mississippi State University
Downloads 55 (688,397)

Abstract:

Loading...

Service contracts, vehicle sales, ancillary products, automobile sales

13.

New Evidence on an Old Unanswered Question: Why Some Borrowers Purchase Credit Insurance and Other Debt Protection and Some Do Not

FEDS Working Paper No. 2017-122
Number of pages: 26 Posted: 03 Jan 2018
Thomas A. Durkin and Gregory Elliehausen
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 35 (824,633)

Abstract:

Loading...

14.

Consumers and Guaranteed Asset Protection (GAP Protection) on Vehicle Financing Contracts: A First Look

FEDS Working Paper No. 2022-62
Number of pages: 23 Posted: 22 Nov 2022
Thomas A. Durkin, Gregory Elliehausen and Thomas W. Miller Jr.
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Mississippi State University
Downloads 29 (875,215)

Abstract:

Loading...

GAP, GAP waiver, GAP insurance, Vehicle financing, Ancillary products, Consumer credit, Debt cancellation agreements

15.

The Cost Structure of Consumer Finance Companies and Its Implications for Interest Rates: Evidence from the Federal Reserve Board's 2015 Survey of Finance Companies

FEDS Notes No. 2020-08-12
Posted: 16 Sep 2020
Lisa Chen and Gregory Elliehausen
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System

Abstract:

Loading...

16.

Effects of Bankruptcy Exemptions and Foreclosure Laws on Mortgage Default and Foreclosure Rates

Journal of Real Estate Finance and Economics, Vol. 47, No. 3, 2013
Posted: 29 Aug 2013
Chintal A. Desai, Gregory Elliehausen and Jevgenijs Steinbuks
Virginia Commonwealth University (VCU), Board of Governors of the Federal Reserve System and Purdue University - Center for Global Trade Analysis

Abstract:

Loading...

bankruptcy exemptions, foreclosure laws, mortgage defaults, foreclosures