- Aizcorbe, Ana, Arthur B. Kennickell, and Kevin B. Moore. 2003. Recent changes in the U.S. family finances: Evidence from the 1998 and 2001 survey of consumer finances. Federal Reserve Bulletin 89(1):1–32. .
Paper not yet in RePEc: Add citation now
- Allen, Grahame. 2008. Post Office Card Account (POCA). London, UK: House of Commons Library. .
Paper not yet in RePEc: Add citation now
- Angrist, Joshua D., and Alan B. Krueger. 1992. The effect of age at school entry on educational attainment: An application of instrumental variables with moments from two samples. Journal of the American Statistical Association 87(418):328–36. .
Paper not yet in RePEc: Add citation now
Angrist, Joshua D., and Alan B. Krueger. 1995. Split‐sample instrumental variables estimates of the return to schooling. Journal of Business and Economic Statistics 13(2):225–35. .
- Bar‐Gill, Oren, and Elizabeth Warren. 2008. Making credit safer. University of Pennsylvania Law Review 157(1):1–102. .
Paper not yet in RePEc: Add citation now
- Barr, Michael S. 2004. Banking the poor. Yale Journal on Regulation 21:121–237. .
Paper not yet in RePEc: Add citation now
- Barr, Michael S. 2009. Financial services, saving, and borrowing among low‐ and moderate‐income households: evidence from the detroit area household financial services survey. In Insufficient Funds: Savings, Assets, Credit, and Banking Among Low‐Income Households, edited by Michael S. Barr and Rebecca Blank. New York, NY: Russell Sage Foundation. .
Paper not yet in RePEc: Add citation now
- Barr, Michael S., Jane K. Dokko, and Benjamin Keys. 2012. And banking for all? Finance and economics discussion series, divisions of research & statistics and monetary affairs. In No Slack: The Financial Lives of Low‐Income Americans. Washington, DC: Brookings Institution Press. .
Paper not yet in RePEc: Add citation now
Bertrand, Marianne; Sendhil Mullainathan, and Eldar Shafir. 2006. Behavioral economics and marketing in aid of decision making among the poor. Journal of Public Policy and Marketing 25(1):8–23. .
Bird, Edward J., Paul A. Hagstrom, and Robert Wild. 1999. Credit card debts of the poor: High and rising. Journal of Policy Analysis and Management 18(1):125–33. .
Brewer, Michael, Alan Duncan, Alan Shephard, and Maria Jose Suarez. 2006. Did working families' tax credit work? The impact of in‐work support on labour supply in Great Britain. Labour Economics 13:699–720. .
Bridges, Sarah, and Richard Disney. 2004. Use of credit and arrears on debt among low income families in the United Kingdom. Fiscal Studies 25(1):1–25. .
Cameron, A. Colin, Jonah Gelbach, and Douglas L. Miller, 2008. Bootstrap‐based improvements for inference with clustered errors. The Review of Economics and Statistics 90(3):414–27. .
Carrell, Scott, and Jonathan Zinman. 2008. In Harm's Way? Payday loan access and military personnel performance. Davis: University of California. Working Paper. .
Chakravarty, Sugato, and Tansel Yilmazer. 2009. A multistage model of loans and the role of relationships. Financial Management 38(4):781–816. .
- Collard, Sharon, Finney Andrea, and Crosswaite, Kate. 2009. Facing the squeeze: A qualitative study of household finances and access to credit in a 21st‐century recession. Money Advice Trust, Birmingham. . Department for Work and Pensions et al., Family Resources Survey, Various Years. [computer file]. Colchester, Essex: UK Data Archive [distributor] .
Paper not yet in RePEc: Add citation now
Collard, Sharon. 2007. Toward financial inclusion in the U.K.: Progress and challenges. Public Money and Management 27(1):13–20. .
- Francesconi, Marco, and Wilbert van der Klaauw. 2007. The socioeconomic consequences of “in‐work” benefit reform for British lone mothers. Journal of Human Resources XLII(1):1–31. .
Paper not yet in RePEc: Add citation now
Gregg, Paul, Jane Waldfogel, and Elizabeth Washbrook. 2006. Family expenditures post‐welfare reform in the U.K.: Are low‐income families starting to catch up? Labour Economics 13(6):721–46. .
Gross, David B., and Nicholas S. Souleles. 2002. Do liquidity constraints and interest rates matter for consumer behavior? Evidence from credit card data. Quarterly Journal of Economics 117(1):149–85. .
Hastings, Justine, and Ebonya Washington. 2010. The first of the month effect: Consumer behavior and store responses. American Economic Journal: Economic Policy 2(2):142–62. .
- HM Treasury. 2004. Promoting financial inclusion. London: Stationary Office Limited. .
Paper not yet in RePEc: Add citation now
- Hogarth, Jeanne M., Amberly Hazembuller, and Michael Wilson. 2006. How much can the poor save? Paper Prepared for 2006 Assets Learning Conference, Washington, DC: Federal Reserve Board. .
Paper not yet in RePEc: Add citation now
- Hogarth, Jeanne M., and Kevin H. O'Donnell. 2000. If you build it, will they come? A simulation of financial product holdings among low‐to‐moderate income households. Journal of Consumer Policy 23:409–44. .
Paper not yet in RePEc: Add citation now
Hogarth, Jeanne M., Chris E. Anguelov, and Jinkook Lee. 2003. Why households don't have checking accounts. Economic Development Quarterly 17(1):75–94. .
- Hogarth, Jeanne M., Chris E. Anguelov, and Jinkook Lee. 2004. Why don't households have a checking account? Journal of Consumer Affairs 38(1):1–34. .
Paper not yet in RePEc: Add citation now
- House of Commons, Trade and Industry Committee. 2003. People, pensions, and post offices: Government response to the Committee's Eleventh Report of Session 2002‐2003. (HC1102). London: The Stationery Office. .
Paper not yet in RePEc: Add citation now
Hubbard, R. Glenn, Jonathan Skinner, and Stephen P. Zeldes. 1995. Precautionary saving and social insurance. Journal of Political Economy 103(2):360–99. .
Hurst, Erik, and James P. Ziliak. 2006. Do welfare asset limits affect household saving? Evidence from welfare reform. Journal of Human Resources 41(1):46–71. .
Imbens, Guido W., and Joshua D. Angrist. 1994. Identification and estimation of local average treatment effects. Econometrica 62(2):467–75. .
- Inoue, Atsushi and Gary Solon. 2010. Two‐Sample Instrumental Variables Estimators. Review of Economics and Statistics 92(3):557–61. .
Paper not yet in RePEc: Add citation now
Karlan, Dean, and Jonathan Zinman. 2009. Expanding credit access: Using randomized supply decisions to estimate the impacts. The Review of Financial Studies 23(1):433–64. .
- Lee, Jinhook. 2002. The poor in the financial market: Changes in the use of financial products, institutions, and services from 1995 to 1998. Journal of Consumer Policy 25:203–31. .
Paper not yet in RePEc: Add citation now
Leigh, Andrew. 2007. earned income tax credits and labor supply: new evidence from a British natural experiment. National Tax Journal 60(2):205–24. .
- Littwin, Angela. 2008. Beyond usury: A study of credit‐card use and preference among low‐income consumers. Texas Law Review 86(3):451–506. .
Paper not yet in RePEc: Add citation now
Melzer, Brian. 2011. The real costs of credit access: Evidence from the payday lending market. Quarterly Journal of Economics 126:517–55. .
- Mulheirn, Ian, and Mario Pisani. 2008. Working tax credit and labour supply. Treasury Economic Working Paper No. 3. London: The Stationary Office Limited. .
Paper not yet in RePEc: Add citation now
- Mullainathan, Sendhil, and Eldar Shafir. 2009. Savings policy and decisionmaking in low‐income households. In Insufficient funds: savings, assets, credit, and banking among low‐income households, edited by Rebecca M. Blank and Michael S. Barr. New York, New York, Russell Sage Foundation Publications, pp. 121–45. .
Paper not yet in RePEc: Add citation now
- National Centre for Social Research and Department for Work and Pensions, Families and Children Study: Waves 1‐10, 1999‐2008 [computer file]. 8th Edition. Colchester, Essex: UK Data Archive [distributor], October 2010. SN: 4427. . Office for National Statistics, Family Expenditure Survey, Various Years [computer file]. Colchester, Essex: UK Data Archive [distributor]. .
Paper not yet in RePEc: Add citation now
- Rhine, Sherrie L. W., William H. Greene, and Maude Toussaint‐Comeau. 2006. The importance of check‐cashing businesses to the unbanked: Racial/ethnic differences. The Review of Economics and Statistics 88(1):146–57. .
Paper not yet in RePEc: Add citation now
Shapiro, Jesse. 2005. Is there a daily discount rate? Evidence from the food stamp nutrition cycle. Journal of Public Economics 89:303–25. .
Skiba, Paige M., and Jeremy Tobacman. 2007. Measuring the individual‐level effects of access to credit: Evidence from payday loans. Working Paper, Nashville, TN: Vanderbilt Law School. .
- Skiba, Paige M., and Jeremy Tobacman. 2011. Do payday loans cause bankruptcy? Working Paper, Nashville, TN: Vanderbilt University Law School. .
Paper not yet in RePEc: Add citation now
- Stapleton, Nigel. 2005. Post offices at the Crossroads. Postcomm's Network Annual Report 2005–2006, London, UK. .
Paper not yet in RePEc: Add citation now
- Stegman, Michael A. 1999. Savings for the poor: The hidden benefits of electronic banking. Washington, DC: Brookings Institution Press. .
Paper not yet in RePEc: Add citation now
Stephens, Melvin. 2003. ‘3rd of tha Month’: Do social security recipients smooth consumption between checks? The American Economic Review 93(1):406–22. .
Sullivan, James X. 2008. Borrowing during unemployment:unsecured debt as a safety net. Journal of Human Resources 43(2):383–412. .
- Treasury Committee, House of Commons. 2006a. Financial inclusion: Credit, savings, advice, and insurance. Twelfth Report of Session 2005‐2006. London: The Stationary Office Limited. .
Paper not yet in RePEc: Add citation now
- Treasury Committee, House of Commons. 2006b. ‘Banking the Unbanked’: Banking services, the post office card account, and financial inclusion. Thirteenth Report of Session 2005‐2006. London: The Stationary Office Limited. .
Paper not yet in RePEc: Add citation now
Washington, Ebonya. 2006. The impact of banking and fringe banking regulation on the number of unbanked Americans. The Journal of Human Resources 41(1):106–37. .
Ziliak, James P. 2003. Income transfers and assets of the poor. The Review of Economics and Statistics 85(1):63–76. .
Zinman, Jonathan. 2010. Restricting consumer credit access: Household survey evidence on effects around the Oregon rate cap. Journal of Banking & Finance 34(3):546–56. .