NATIONAL BUREAU OF ECONOMIC RESEARCH
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The Effects of Competition in Consumer Credit Market

Stefan Gissler, Rodney Ramcharan, Edison Yu

NBER Working Paper No. 26183
Issued in August 2019

---- Acknowledgments ----

We thank Bob Adams, Kenneth Ahern, Antonio Bayeh, Mitchell Berlin, Sreedhar Bharath, Fabio Braggon, Harry DeAngelo, Hiroshi Fujiki, Elena Loutskina, Greg Nini, Wenlan Qian, Amit Seru, David Sovich, You Suk Kim, Taylor Nadauld, Jordan van Rijn, Hirofumi Uchida and seminar participants at the Board of Governors, Dutch National Bank, Federal Deposit Insurance Corporation, Federal Reserve Bank of Kansas City, Federal Reserve Bank of Philadelphia, Maastricht University, Office of the Comptroller of the Currency, Rotterdam, Tilburg, Stanford, and USC Marshall for helpful suggestions. We are especially grateful to Scott Borger, Ralph Monaco and Scott Vaughan at the NCUA for their detailed comments–all errors remain our own. The views expressed in this paper are those of the authors and do not necessarily reflect the views of the Federal Reserve Bank of Philadelphia, the Federal Reserve Board of Governors, the Federal Reserve System, or the National Bureau of Economic Research.

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