Gregory Elliehausen

Board of Governors of the Federal Reserve System

20th Street and Constitution Avenue NW

Washington, DC 20551

United States

  • Board of Governors of the Federal Reserve System

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SCHOLARLY PAPERS

14

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10

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11

Scholarly Papers (14)

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1.

Effects of Illinois' 36% Interest Rate Cap on Small-Dollar Credit Availability and Financial Well-being

Number of pages: 62 Posted: 02 Jan 2023
J. Brandon Bolen, Gregory Elliehausen and Thomas Miller
Mississippi College, Board of Governors of the Federal Reserve System and Mississippi State University - Department of Finance and Economics
Downloads 557 (80,220)

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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, Faculty
Downloads 367 (131,601)
Citation 1

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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, Faculty
Downloads 321 (152,049)
Citation 1

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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, Faculty
Downloads 267 (184,123)

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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 221 (221,393)
Citation 10

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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 Miller
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Mississippi State University - Department of Finance and Economics
Downloads 147 (316,450)

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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 136 (336,556)
Citation 1

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

8.

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 70 (521,176)
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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 59 (568,686)

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

10.

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 54 (592,634)
Citation 1

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Personal Finance, Insurance, Consumer Protection, Credit Insurance

11.

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 31 (729,593)

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12.

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 5 (948,418)

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

13.

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

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14.

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

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bankruptcy exemptions, foreclosure laws, mortgage defaults, foreclosures