00000nam 2200000zi 4500 9.950616 CaOODSP 20250430094258 m o d f cr mn||||||||| 250430t20252025oncd ob f|0| 0 eng d CaOODSP eng rda CaOODSP eng eng fre n-cn--- FB3-5/2025-6E-PDF Saldain, Joaquín, author. High-cost consumer credit : desperation, temptation and default / by Joaquín Saldain. [Ottawa] : Bank of Canada = Banque du Canada, 2025. ©2025 1 online resource (ii, 45 pages) : graphs. text txt rdacontent computer c rdamedia online resource cr rdacarrier Staff working paper = Document de travail du personnel, 1701-9397 ; 2025-6 ISSN assigned to different series. "Last updated: January 30, 2025." Includes bibliographical references (pages 36-38). "High-income households benefit from restrictions on borrowing because they face loose price schedules from lenders that allow them to overborrow. Low-income households face tight individually targeted loan price schedules that limit households’ borrowing capacity so that borrowing restrictions cannot improve welfare over them"--Abstract, page ii. Includes abstract in French. Credit Mathematical models. Interest rates Canada. Crédit Modèles mathématiques. Taux d'intérêt Canada. Bank of Canada, issuing body. Staff working paper (Bank of Canada) 2025-6. (CaOODSP)9.806221 PDF 718 KB https://publications.gc.ca/collections/collection_2025/banque-bank-canada/FB3-5-2025-6-eng.pdf