Hostname: page-component-586b7cd67f-l7hp2 Total loading time: 0 Render date: 2024-11-25T20:07:29.692Z Has data issue: false hasContentIssue false
  • English
  • Français

The Effect of Regulation, Population Characteristics, and Competition on the Market for Personal Cash Loans

Published online by Cambridge University Press:  19 October 2009

William L. Sartoris
Get access Rights & Permissions [Opens in a new window]

Extract

We have seen a recent surge in the interest in some revision of the consumer finance laws, the most comprehensive of which has been the Uniform Consumer Credit Code. In the past, there have been many attempts to determine independently the effect one aspect of consumer finance legislation had on the market for consumer loans. However, the different regulatory provisions are not enacted independently. Thus, it may be more appropriate to investigate jointly the effects of several of the features of the laws.

Type
Research Article
Information
Journal of Financial and Quantitative Analysis , Volume 7 , Issue 4 , September 1972 , pp. 1931 - 1956
Copyright
Copyright © School of Business Administration, University of Washington 1972

Access options

Get access to the full version of this content by using one of the access options below. (Log in options will check for institutional or personal access. Content may require purchase if you do not have access.)

References

[1]American Investment Company. “A New Look at ‘Convenience and Advantage.’“ St. Louis, Mo.: American Investment Company, 1956.Google Scholar
[2]Bass, Frank M.; Pessemier, Edgar H.; and Teigert, Douglas J.. “Compliments and Substitutes — an Exploratory Analysis.” The Institute for Research in the Behavioral, Economic, and Management Sciences, Paper No. 188. Lafayette, Ind.: Purdue University, August 1967.Google Scholar
[3]Curran, Barbara A.Trends in Consumer Credit Legislation. Chicago: University of Chicago Press, 1965.Google Scholar
[4]Due, Jean Mona. “Consumer Knowledge of Installment Credit Charges.” Journal of Marketing, Vol. XX, October 1955, pp. 162–166.CrossRefGoogle Scholar
[5]Ezekiel, Mordecai, and Fox, Karl A.. Methods of Correlation and Regression Analysis, 3rd ed.New York: John Wiley and Sons, Inc., 1959.Google Scholar
[6]Fand, David I., and Forbes, Ronald W.. “On Supply Conditions in Consumer Credit Markets.” Papers in Quantitative Economies. Lawrence, Kans.: University of Kansas, 1968.Google Scholar
[7]Flower, Jerry M. “The Effect of Convenience and Advantage Licensing on the Small-Loan Industry.” Unpublished paper, May 1964.Google Scholar
[8]Goudzwaard, Maurice B. “Price Ceilings and Credit Rationing.” Journal of Finance, Vol. XXIII, March 1968, pp. 177–185.Google Scholar
[9]Harman, H.H.Modern Factor Analysis. Chicago: The University of Chicago Press, 1960.Google Scholar
[10]Johnston, J.Econometric Methods. New York: McGraw-Hill Book Company, Inc., 1963.Google Scholar
[11]Juster, F. Thomas, and Shay, Robert P.. Consumer Sensitivity to Finance Rates: An Empirical and Analytical Investigation. New York: National Bureau of Economic Research, Occasional Paper No. 88, 1964.Google Scholar
[12]Kawaja, Michael. “The Economic Effects of Regulation.” Southern Economic Journal, Vol. 35, January 1969CrossRefGoogle Scholar
[13]Morrison, Donald F.vMultivariate Statistical Methods. New York: McGraw-Hill Book Company, Inc., 1967.Google Scholar
[14]Nugent, Rolf. “Three Experiments with Small-Loan Interest Rates.” Harvard Business Review, Vol. 12, October 1933, pp. 35–46.Google Scholar
[15]Robbins, W. David.Consumer Installment Loans. Columbus, Ohio: Ohio State University, 1955.Google Scholar
[16]Shay, Robert P. “Factors Affecting Price, Volume, and Credit Risk in the Consumer Finance Industry.” Journal of Finance, Vol. XXV, May 1970, pp. 503–515.CrossRefGoogle Scholar
[17]Shay, Robert P. “State Regulation and the Provision of Small Loans.” In The Consumer Finance Industry; Its Costs and Regulations. Edited by Chapman, John M. and Shay, Robert P.. New York: Columbia University Press, 1967.Google Scholar
[18]Sartoris, William L. “The Analysis and Administration of Convenience and Advantage Licensing in the Small-Loan Industry.” Ph.D. diss., Purdue University, 1970.CrossRefGoogle Scholar
[19]Zwick, Jac. “A Cross-Section Study of Industry Costs and Earnings.” In The Consumer Finance Industry: Its Costs and Regulations. Edited by Chapman, John M. and Shay, Robert P.. New York: Columbia University Press, 1967.Google Scholar