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Quantifying Racial Discrimination in Major US Housing Markets

Researchers conducted a correspondence study assessing property managers’ responses to rental listing inquiries from prospective tenants with distinctively Black, Hispanic/Latinx, or white names in the United States. Property managers were significantly less likely to respond to messages from...

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...