NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Consumer Credit: Too Much or Too Little (or Just Right)?

Jonathan Zinman

NBER Working Paper No. 19682
Issued in November 2013

---- Acknowledgements -----

Thanks to Neil Bhutta, David Laibson, Jialan Wang, Glenn Weyl, and audiences at the Consumer Financial Protection Bureau and the Chicago Benefit-Cost Conference for helpful comments, and to many co-authors (and especially Dean Karlan and Victor Stango) for shaping and sharpening my thinking over the years The views expressed herein are those of the author and do not necessarily reflect the views of the National Bureau of Economic Research.

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