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Debt / Loans / Credit / Financial services / Payday loan / Personal finance / Community Financial Services Association of America / Payday loans in the United States / Payday loans in the United Kingdom / Financial economics / Finance / Economics
Debt
Loans
Credit
Financial services
Payday loan
Personal finance
Community Financial Services Association of America
Payday loans in the United States
Payday loans in the United Kingdom
Financial economics
Finance
Economics

THE REAL COSTS OF CREDIT ACCESS: EVIDENCE FROM THE PAYDAY LENDING MARKET∗ BRIAN T. MELZER I. INTRODUCTION Historically, consumer lending markets have been highly regulated, subject to state-imposed usury and small loan

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