NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH
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The Economic Consequences of Bankruptcy Reform

Tal Gross, Raymond Kluender, Feng Liu, Matthew J. Notowidigdo, Jialan Wang

NBER Working Paper No. 26254
Issued in September 2019, Revised in November 2019

---- Acknowledgments ----

The views expressed are those of the authors and do not necessarily reflect those of the Consumer Financial Protection Bureau or the United States. We thank Huan Zhao, staff at the California Office of Statewide Health Planning and Development, and Carlos Dobkin for their assistance accessing and compiling datasets used in this project. We are grateful to Amy Finkelstein, Paul Goldsmith-Pinkham, Erik Hurst, Neale Mahoney, Brian Melzer, Scott Nelson, Christopher Palmer, James Poterba, Amit Seru, Tavneet Suri, Heidi Williams, Jonathan Zinman, and seminar participants at MIT, NYU, AEA, Harvard Business School (EM), Arizona, Wharton (BEPP), the Federal Reserve Bank of New York, Microsoft Research, GWU, CFPB, Duke Fuqua, Harvard Law School, WAPFIN, and NBER Summer Institute Corporate Finance and Law and Economics sessions for thoughtful feedback and comments. Anran Li and Pinchuan Ong provided excellent research assistance. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

---- Disclosure of Financial Relationships for Feng Liu ----

I am currently employed at the Consumer Financial Protection Bureau (CFPB), which oversees a number of policies that are relevant to the paper. The CFPB actively supports its researchers for self-directed research. But the views expressed in this paper are those of the authors (including me) and do not necessarily reflect those of the CFPB. Besides salary support, I received access to the data as an employee of the CFPB.

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