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- W2559652188 abstract "Payday lenders have increasingly received public and regulatory scrutiny. By their nature, payday lenders are in the business of providing short-term, unsecured loans to financially vulnerable individuals, often with high financing fees that amount to triple-digit annual percentage rates (APR). Regulators hope to protect payday lending customers from high APRs, misleading or inaccurate information, and, in particular, from being trapped by a vicious cycle of growing debt. Whether these regulations benefit consumers, however, is contested. There is a growing literature in economics arguing that high APRs represent the costs of lending to a financially risky population, not exorbitant profits, and that many proposed regulations, especially interest rate limits, may actually harm the very payday lending customers regulators are hoping to protect. This study uses a survey of payday lending customers in Southeast Alabama to inform this debate. An Alabama-specific survey can help inform payday lending policy in Alabama as well as supplement national surveys. We find that payday lending customers in Southeast Alabama overwhelmingly use payday lending to meet unexpected, short-term expenses, are satisfied with their payday lending experience, including the information provided, and do not support payday lending regulation." @default.
- W2559652188 created "2016-12-08" @default.
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- W2559652188 date "2016-01-01" @default.
- W2559652188 modified "2023-09-28" @default.
- W2559652188 title "Swindled or Served?: A Survey of Payday Lending Customers in Southeast Alabama" @default.
- W2559652188 doi "https://doi.org/10.2139/ssrn.2876688" @default.
- W2559652188 hasPublicationYear "2016" @default.
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