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

7

DOWNLOADS

965

SSRN CITATIONS

3

CROSSREF CITATIONS

1

Scholarly Papers (7)

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, Board of Governors of the Federal Reserve System and George Mason University - Antonin Scalia Law School, Faculty
Downloads 349 (119,913)
Citation 1

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, Board of Governors of the Federal Reserve System, University of Arizona and George Mason University - Antonin Scalia Law School, Faculty
Downloads 238 (177,567)

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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.

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 142 (278,816)

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

4.

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 117 (322,097)
Citation 1

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

5.

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 57 (489,550)

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Truth in Lending, consumer credit, credit cards

6.

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 38 (576,324)
Citation 1

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Personal Finance, Insurance, Consumer Protection, Credit Insurance

7.

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 24 (662,737)
Citation 1

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