RESEARCH REVIEW: Just How Do Small-Dollar Nonbank Loans Work?

RESEARCH REVIEW: Just How Do Small-Dollar Nonbank Loans Work?

LEARN REVIEW: Just How Do Small-Dollar Nonbank Loans Work?

A senior affiliated scholar with the Mercatus Center at George Mason University, whose research for its Program on Financial Regulation, focuses on small-dollar loans in the first of a series of posts reviewing studies that are particularly helpful in understanding the nature and role of Traditional Installment Loans, we examine the 2019 study How do Small-Dollar Nonbank Loans Work? Conducted by Thomas W. Miller Jr.

This is certainly a study that is important the comprehension of nonbank credit generally speaking and installment loans in specific, in that it offers an in depth breakdown of the landscape for small-dollar loans and examines a wide range of items, including NILA-style conventional Installment Loans provided by nonbank customer boat finance companies.

The research is strong on history, pointing down that specifically certified loan providers, making installment loans at set prices, were founded through the Uniform Small Loan Law of 1916, especially to offer borrowers a secure and alternative that is affordable loan sharks, who before which had operated with impunity. (더 보기…)

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