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The Impact of a Credit-Building Loan Product and Credit Counseling on Low-Income Borrowers in the United States

Jeremy Burke
Kata Mihaly
Credit-building loan products (CBLs) have begun to proliferate in the U.S. marketplace, but there is little evidence on the effects of these products on consumers and lenders. IPA and RAND worked with researchers to evaluate the impacts of a CBL offered at a credit union in Missouri, both alone and...

The Welfare Effects of Behavioral Energy Conservation in the United States

In the United States, researchers evaluated the social welfare impacts of one very popular nudge to decrease energy consumption—Home Energy Reports (HERs). While they found that the HERs increased social welfare overall, these gains were far less than those reported by previous evaluations that did...

The Impact of Unconditional Cash Transfers on Health Outcomes in Chelsea, Massachusetts

Sumit Agarwal
Benjamin Le Cook
The City of Chelsea implemented a cash transfer program called Chelsea Eats, which provided eligible households with up to US$400 per month for nine months. Researchers conducted a randomized evaluation on the impact of the unconditional cash transfer on health care utilization and a variety of...