Details about Scott Lansing Fulford

Access statistics for papers by Scott Lansing Fulford.

Last updated 2025-06-08. Update your information in the RePEc Author Service.

Short-id: pfu103

Working Papers

2025

1. Still Growing Together? The Spatial Distribution and Industrial Composition of U.S. County GDP since 1870
   Boston College Working Papers in Economics, Boston College Department of Economics

2024

2. Income and the CARD Act’s Ability‐to‐Pay Rule in the US Credit Card Market
   Working Papers, Federal Reserve Bank of Boston

2022

3. Terms of Engagement: Migration, Dowry, and Love in Indian Marriages
   CEPR Discussion Papers, C.E.P.R. Discussion Papers

2020

4. Credit Cards, Credit Utilization, and Consumption
   Working Papers, Department of Economics, West Virginia University
   See also Journal Article Credit cards, credit utilization, and consumption, Journal of Monetary Economics, Elsevier (2024) View citations (1) (2024)
5. Does It Matter Where You Came From? Ancestry Composition and Economic Performance of U.S. Counties, 1850-2010
   Boston College Working Papers in Economics, Boston College Department of Economics View citations (21)
   Also in IZA Discussion Papers, Institute of Labor Economics (IZA) (2015) View citations (40)
   See also Journal Article Does it matter where you came from? Ancestry composition and economic performance of US counties, 1850–2010, Journal of Economic Growth, Springer (2020) View citations (12) (2020)
6. Revolving versus Convenience Use of Credit Cards: Evidence from U.S. Credit Bureau Data
   Working Papers, Department of Economics, West Virginia University View citations (2)
   See also Journal Article Revolving versus Convenience Use of Credit Cards: Evidence from U.S. Credit Bureau Data, Journal of Money, Credit and Banking, Blackwell Publishing (2023) View citations (4) (2023)

2019

7. Does getting a mortgage affect credit card use?
   Working Papers, Federal Reserve Bank of Boston View citations (2)

2017

8. Credit card utilization and consumption over the life cycle and business cycle
   Working Papers, Federal Reserve Bank of Boston View citations (11)

2015

9. Consumer revolving credit and debt over the life cycle and business cycle
   Working Papers, Federal Reserve Bank of Boston View citations (16)
10. U.S. consumer holdings and use of $1 Bills
    Research Data Report, Federal Reserve Bank of Boston View citations (5)

2014

11. How important are banks for development? National banks in the United States 1870–1900
    Boston College Working Papers in Economics, Boston College Department of Economics View citations (4)
    See also Journal Article How Important Are Banks for Development? National Banks in the United States, 1870-1900, The Review of Economics and Statistics, MIT Press (2015) View citations (8) (2015)
12. How important is variability in consumer credit limits?
    Boston College Working Papers in Economics, Boston College Department of Economics View citations (8)
    Also in Working Papers, Federal Reserve Bank of Boston (2010) View citations (1)
    See also Journal Article How important is variability in consumer credit limits?, Journal of Monetary Economics, Elsevier (2015) View citations (55) (2015)
13. The surprisingly low importance of income uncertainty for precaution
    Boston College Working Papers in Economics, Boston College Department of Economics
    See also Journal Article The surprisingly low importance of income uncertainty for precaution, European Economic Review, Elsevier (2015) View citations (26) (2015)

2013

14. The Puzzle of Marriage Migration in India
    Boston College Working Papers in Economics, Boston College Department of Economics View citations (7)
15. The changing geography of gender in India
    Boston College Working Papers in Economics, Boston College Department of Economics
16. The credibility of exchange rate pegs and bank distress in historical perspective: lessons from the national banking era
    Working Paper, Federal Reserve Bank of Richmond

2012

17. Returns to education in India
    Boston College Working Papers in Economics, Boston College Department of Economics
    See also Journal Article Returns to Education in India, World Development, Elsevier (2014) View citations (18) (2014)
18. The precaution of the rich and poor
    Boston College Working Papers in Economics, Boston College Department of Economics View citations (3)

2011

19. The effects of financial development in the short and long run
    Boston College Working Papers in Economics, Boston College Department of Economics View citations (7)

Journal Articles

2024

1. Credit cards, credit utilization, and consumption
   Journal of Monetary Economics, 2024, 148, (C) View citations (1)
   See also Working Paper Credit Cards, Credit Utilization, and Consumption, Working Papers (2020) (2020)

2023

2. Revolving versus Convenience Use of Credit Cards: Evidence from U.S. Credit Bureau Data
   Journal of Money, Credit and Banking, 2023, 55, (7), 1667-1701 View citations (4)
   See also Working Paper Revolving versus Convenience Use of Credit Cards: Evidence from U.S. Credit Bureau Data, Working Papers (2020) View citations (2) (2020)

2022

3. Does getting a mortgage affect consumer credit use?
   Review of Economics of the Household, 2022, 20, (3), 955-991 View citations (1)

2020

4. Demand for emergency savings is higher for low-income households, but so is the cost of shocks
   Empirical Economics, 2020, 58, (6), 3007-3033 View citations (2)
5. Does it matter where you came from? Ancestry composition and economic performance of US counties, 1850–2010
   Journal of Economic Growth, 2020, 25, (3), 341-380 View citations (12)
   See also Working Paper Does It Matter Where You Came From? Ancestry Composition and Economic Performance of U.S. Counties, 1850-2010, Boston College Working Papers in Economics (2020) View citations (21) (2020)
6. Presidential Politics and Monetary Policy: Lessons from the 1896 Election
   Richmond Fed Economic Brief, 2020, (20-02), 5
7. The Benefits of Commitment to a Currency Peg: Aggregate Lessons from the Regional Effects of the 1896 U.S. Presidential Election
   The Review of Economics and Statistics, 2020, 102, (3), 600-616 View citations (4)

2015

8. How Important Are Banks for Development? National Banks in the United States, 1870-1900
   The Review of Economics and Statistics, 2015, 97, (5), 921-938 View citations (8)
   See also Working Paper How important are banks for development? National banks in the United States 1870–1900, Boston College Working Papers in Economics (2014) View citations (4) (2014)
9. How important is variability in consumer credit limits?
   Journal of Monetary Economics, 2015, 72, (C), 42-63 View citations (55)
   See also Working Paper How important is variability in consumer credit limits?, Boston College Working Papers in Economics (2014) View citations (8) (2014)
10. The surprisingly low importance of income uncertainty for precaution
    European Economic Review, 2015, 79, (C), 151-171 View citations (26)
    See also Working Paper The surprisingly low importance of income uncertainty for precaution, Boston College Working Papers in Economics (2014) (2014)

2014

11. Returns to Education in India
    World Development, 2014, 59, (C), 434-450 View citations (18)
    See also Working Paper Returns to education in India, Boston College Working Papers in Economics (2012) (2012)

2013

12. The effects of financial development in the short and long run: Theory and evidence from India
    Journal of Development Economics, 2013, 104, (C), 56-72 View citations (33)