Details about Brian Thomas Melzer

Access statistics for papers by Brian Thomas Melzer.

Last updated 2023-03-16. Update your information in the RePEc Author Service.

Short-id: pme762

Working Papers

2024

1. Dual Credit Markets: Income Risk, Household Debt, and Consumption
   NBER Working Papers, National Bureau of Economic Research, Inc

2021

2. Hold the Check: Overdrafts, Fee Caps, and Financial Inclusion
   Liberty Street Economics, Federal Reserve Bank of New York
3. Who Pays the Price? Overdraft Fee Ceilings and the Unbanked
   Staff Reports, Federal Reserve Bank of New York View citations (2)

2020

4. Do Household Finances Constrain Unconventional Fiscal Policy?
   Swiss Finance Institute Research Paper Series, Swiss Finance Institute
   Also in NBER Working Papers, National Bureau of Economic Research, Inc (2018) View citations (1)
   Working Paper Series, Federal Reserve Bank of Chicago (2018) View citations (2)
   See also Journal Article Do Household Finances Constrain Unconventional Fiscal Policy?, Tax Policy and the Economy, University of Chicago Press (2019) View citations (11) (2019)
   Chapter Do Household Finances Constrain Unconventional Fiscal Policy?, NBER Chapters, National Bureau of Economic Research, Inc (2018) View citations (2) (2018)

2017

5. Making the House a Home: The Stimulative Effect of Home Purchases on Consumption and Investment
   NBER Working Papers, National Bureau of Economic Research, Inc View citations (17)
6. Non-Cognitive Abilities and Financial Delinquency: The Role of Self-Efficacy in Avoiding Financial Distress
   NBER Working Papers, National Bureau of Economic Research, Inc View citations (8)
   See also Journal Article Noncognitive Abilities and Financial Delinquency: The Role of Self‐Efficacy in Avoiding Financial Distress, Journal of Finance, American Finance Association (2018) View citations (33) (2018)

2016

7. Accelerator or Brake? Cash for Clunkers, Household Liquidity, and Aggregate Demand
   NBER Working Papers, National Bureau of Economic Research, Inc
   See also Journal Article Accelerator or Brake? Cash for Clunkers, Household Liquidity, and Aggregate Demand, American Economic Journal: Economic Policy, American Economic Association (2020) View citations (7) (2020)

2014

8. Positive Externalities of Social Insurance: Unemployment Insurance and Consumer Credit
   NBER Working Papers, National Bureau of Economic Research, Inc View citations (26)
9. Retail Financial Advice: Does One Size Fit All?
   NBER Working Papers, National Bureau of Economic Research, Inc View citations (20)
   See also Journal Article Retail Financial Advice: Does One Size Fit All?, Journal of Finance, American Finance Association (2017) View citations (111) (2017)

2013

10. Spillovers From Costly Credit
    Working Papers, U.S. Census Bureau, Center for Economic Studies View citations (1)
    See also Journal Article Spillovers from Costly Credit, The Review of Financial Studies, Society for Financial Studies (2018) View citations (14) (2018)

2009

11. Price-increasing competition: the curious case of overdraft versus deferred deposit credit
    Staff Reports, Federal Reserve Bank of New York View citations (2)

Journal Articles

2021

1. The Misguided Beliefs of Financial Advisors
   Journal of Finance, 2021, 76, (2), 587-621 View citations (29)

2020

2. Accelerator or Brake? Cash for Clunkers, Household Liquidity, and Aggregate Demand
   American Economic Journal: Economic Policy, 2020, 12, (4), 178-211 View citations (7)
   See also Working Paper Accelerator or Brake? Cash for Clunkers, Household Liquidity, and Aggregate Demand, NBER Working Papers (2016) (2016)

2019

3. Do Household Finances Constrain Unconventional Fiscal Policy?
   Tax Policy and the Economy, 2019, 33, (1), 1 - 32 View citations (11)
   See also Working Paper Do Household Finances Constrain Unconventional Fiscal Policy?, Swiss Finance Institute Research Paper Series (2020) (2020)
   Chapter Do Household Finances Constrain Unconventional Fiscal Policy?, NBER Chapters, 2018 (2018) View citations (2) (2018)

2018

4. Noncognitive Abilities and Financial Delinquency: The Role of Self‐Efficacy in Avoiding Financial Distress
   Journal of Finance, 2018, 73, (6), 2837-2869 View citations (33)
   See also Working Paper Non-Cognitive Abilities and Financial Delinquency: The Role of Self-Efficacy in Avoiding Financial Distress, NBER Working Papers (2017) View citations (8) (2017)
5. Spillovers from Costly Credit
   The Review of Financial Studies, 2018, 31, (9), 3568-3594 View citations (14)
   See also Working Paper Spillovers From Costly Credit, Working Papers (2013) View citations (1) (2013)
6. Unemployment Insurance as a Housing Market Stabilizer
   American Economic Review, 2018, 108, (1), 49-81 View citations (66)

2017

7. Mortgage Debt Overhang: Reduced Investment by Homeowners at Risk of Default
   Journal of Finance, 2017, 72, (2), 575-612 View citations (48)
8. Retail Financial Advice: Does One Size Fit All?
   Journal of Finance, 2017, 72, (4), 1441-1482 View citations (111)
   See also Working Paper Retail Financial Advice: Does One Size Fit All?, NBER Working Papers (2014) View citations (20) (2014)

2015

9. Competition in a consumer loan market: Payday loans and overdraft credit
   Journal of Financial Intermediation, 2015, 24, (1), 25-44 View citations (17)

2011

10. The Real Costs of Credit Access: Evidence from the Payday Lending Market
    The Quarterly Journal of Economics, 2011, 126, (1), 517-555 View citations (176)

Chapters

2018

1. Do Household Finances Constrain Unconventional Fiscal Policy?
   A chapter in Tax Policy and the Economy, Volume 33, 2018 View citations (2)
   See also Journal Article Do Household Finances Constrain Unconventional Fiscal Policy?, University of Chicago Press (2019) View citations (11) (2019)
   Working Paper Do Household Finances Constrain Unconventional Fiscal Policy?, Swiss Finance Institute (2020) (2020)