Thomas Miller

Mississippi State University - Department of Finance and Economics

Professor of Finance

Mississippi State, MS 39762

United States

Consumers' Research

SCHOLARLY PAPERS

7

DOWNLOADS

443

SSRN CITATIONS

0

CROSSREF CITATIONS

1

Scholarly Papers (7)

1.

The Effects on Consumers from Two State-Level Regulations of the Payday Loan Market

Number of pages: 74 Posted: 05 Oct 2021
Thomas Miller and Todd J. Zywicki
Mississippi State University - Department of Finance and Economics and George Mason University - Antonin Scalia Law School, Faculty
Downloads 158 (253,362)

Abstract:

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Personal Finance, Consumer Protection, Non-bank Financial Services, Payday Loans, State Regulation

2.

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
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 140 (279,107)

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

3.

A Natural Experiment to Measure the Consequences of a Binding Interest Rate Cap

Number of pages: 42 Posted: 26 Oct 2017
Onyumbe Lukongo and Thomas Miller
Southern University and Mississippi State University - Department of Finance and Economics
Downloads 60 (473,508)
Citation 1

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Installment Loans, Access to Credit, Interest Rate Cap

4.

How Do Small-Dollar, Nonbank Loans Work?

Mercatus Research Paper
Number of pages: 88 Posted: 01 May 2019
Thomas Miller
Mississippi State University - Department of Finance and Economics
Downloads 54 (497,070)
Citation 1

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payday loans, nonbank loans, title loans, financial regulation, public policy

5.

Measuring the Consequences of a Binding Interest Rate Cap on Small-Dollar Installment Loans

Number of pages: 57 Posted: 09 Aug 2021
Thomas Miller and Onyumbe Lukongo
Mississippi State University - Department of Finance and Economics and Southern University
Downloads 20 (685,515)

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Consumer credit, installment loans, access to credit, interest rate cap, financial regulation

6.

Adverse Consequences of the Binding Constitutional Interest Rate Cap in the State of Arkansas

Mercatus Research Paper
Number of pages: 50 Posted: 03 May 2019
Onyumbe Lukongo and Thomas Miller
Southern University and Mississippi State University - Department of Finance and Economics
Downloads 11 (759,091)

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installment loans, access to credit, interest rate cap

7.

Do Consumers Need More Protection from Small‐Dollar Lenders? Historical Evidence and a Roadmap for Future Research

Economic Inquiry, Vol. 58, Issue 4, pp. 1577-1613, 2020
Number of pages: 37 Posted: 06 Oct 2020
Mississippi College, Board of Governors of the Federal Reserve System and Mississippi State University - Department of Finance and Economics
Downloads 0 (877,111)

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