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Understanding Borrowers' Decisions: Payday Loans in the United States

Researchers partnered with a large payday lender in Indiana to conduct an evaluation to better understand consumers’ decision-making. The results suggest that average borrowers can anticipate their probability of taking loans in the future. However, people focus too much on the present when making...

Characterizing Firm-Level Discrimination

Researchers studied hiring discrimination among major employers in the United States by sending fictional resumes, with varying demographic information, to determine whether certain characteristics would lead to different follow-up contact rates. Employers were less likely to contact resumes with...

Voluntary Regulation: Evidence from a randomized Medicare payment reform

Researchers evaluated the impact of the mandatory-participation bundled payment model for hospitals and explored which hospitals were incentivized to opt in to bundled payments after the model was later made voluntary. The mandatory-participation bundled payment program produced modest reductions in...