Thomas A. Durkin

Board of Governors of the Federal Reserve System

Senior Economist (Retired)

20th Street and Constitution Avenue NW

Washington, DC 20551

United States

SCHOLARLY PAPERS

6

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Scholarly Papers (6)

1.

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, Federal Reserve Board and George Mason University - Antonin Scalia Law School, Faculty
Downloads 323 (91,409)

Abstract:

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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

2.

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
Board of Governors of the Federal Reserve System, Federal Reserve Board, University of Arizona and George Mason University - Antonin Scalia Law School, Faculty
Downloads 207 (144,544)

Abstract:

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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

3.

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 Federal Reserve Board
Downloads 99 (262,543)

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

4.

Requirements and Prospects for a New Time to Payoff Disclosure for Open End Credit Under Truth in Lending

FEDS Working Paper No. 2006-34
Number of pages: 43 Posted: 12 Dec 2006
Thomas A. Durkin
Board of Governors of the Federal Reserve System
Downloads 53 (371,978)

Abstract:

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Truth in Lending, consumer credit, credit cards

5.

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 Federal Reserve Board
Downloads 23 (495,441)

Abstract:

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Personal Finance, Insurance, Consumer Protection, Credit Insurance

6.

Baggage of Consumer Installment Cash Lending: A New Sorting of the Suitcases

MERCATUS WORKING PAPER
Number of pages: 51 Posted: 07 Jun 2018
Thomas A. Durkin
Board of Governors of the Federal Reserve System
Downloads 5 (602,479)

Abstract:

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