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Consumer credit regulation and lender market power / by Zachary Bethune, Joaquin Saldain and Eric R. Young.: FB3-5/2024-36E-PDF

"We investigate the welfare consequences of consumer credit regulation in a dynamic, heterogeneous-agent model with endogenous lender market power. We incorporate a decentralized credit market with search and incomplete information frictions into an off-the shelf Eaton–Gersovitz model of consumer credit and default. Lenders post credit offers and borrowers apply for credit. Some borrowers are informed and direct their application toward the lowest offers while others are uninformed and apply randomly"--Abstract, page ii.

Permanent link to this Catalogue record:
publications.gc.ca/pub?id=9.950056&sl=0

Publication information
Department/Agency
  • Bank of Canada, issuing body.
TitleConsumer credit regulation and lender market power / by Zachary Bethune, Joaquin Saldain and Eric R. Young.
Series title
  • Staff working paper = Document de travail du personnel, 1701-9397 ; 2024-36
Publication typeMonograph - View Master Record
Language[English]
FormatDigital text
Electronic document
Note(s)
  • ISSN assigned to different series.
  • "Last updated: October 8, 2024."
  • Includes bibliographical references (pages 34-38).
  • Includes abstract in French.
Publishing information
  • [Ottawa] : Bank of Canada = Banque du Canada, 2024.
  • ©2024
Author / Contributor
  • Bethune, Zachary, author.
Description1 online resource (ii, 40 pages) : graphs.
Catalogue number
  • FB3-5/2024-36E-PDF
Subject terms
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