{"product_id":"prohibitions-price-caps-and-discolsures-us-department-of-the-treasury-by-the-urb-9781505390445","title":"Prohibitions, Price Caps, and Discolsures: A Look at State Policies and Alternative Financial Product Use","description":"This study uses new nationally representative data from the National Financial Capability State-by-State Survey to examine the relationship between state-level alternative financial service (AFS) policies (prohibitions, price caps, disclosures) and consumer use of five AFS products: payday loans, auto title loans, pawn broker loans, refund anticipation loans, and rent-to-own transactions. Looking across products rather than at one product in isolation allows a focus on patterns and relationships across products. The results suggest that more stringent price caps and prohibitions are associated with lower product use and do not support the hypothesis that prohibitions and price caps on one AFS product lead consumers to use other AFS products.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Us Department of the Treasury by the Urb\u003cbr\u003e\u003cb\u003eISBN-10:\u003c\/b\u003e 1505390443\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9781505390445\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Createspace Independent Publishing Platform\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 01\/01\/2015\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 46\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.29lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 11.02h x 8.50w x 0.10d","brand":"Us Department of the Treasury by the Urb","offers":[{"title":"Paperback","offer_id":48622993539327,"sku":"9781505390445","price":15.99,"currency_code":"USD","in_stock":true}],"url":"https:\/\/www.whiterainbookhouse.com\/products\/prohibitions-price-caps-and-discolsures-us-department-of-the-treasury-by-the-urb-9781505390445","provider":"WR Book House","version":"1.0","type":"link"}