Studies on Family Finances: How Credit Information and Behavior Affect Decisions

This BOOK has three chapters. Each chapter of my BOOK studies different topics

within the field of household finance. My research focuses on household finance topics that

are both academically interesting and relevant to inform public policymaking on the topic of

consumer financial protection regulation. Chapter one and chapter two both study the topic

of the economics of credit information. Chapter one is my Job Market Paper "Unraveling

Information Sharing In Consumer Credit Market". Chapter two is my Curriculum Paper

"Disaster Flags: Credit Reporting Relief from Natural Disasters". Chapters one and two

complement my other research research also on the topic of the economics of credit information

(Guttman-Kenney et al., 2022; Gibbs et al., 2024; Cookson et al., 2024). Chapter

three studies the topic of behavioral household finance. Chapter three is "The Semblance

of Success in Nudging Consumers to Pay Down Credit Card Debt". This complements my

other research research on the topic of behavioral household finance that is published (Gathergood

et al., 2019a; Sakaguchi et al., 2022; Adams et al., 2022a; Guttman-Kenney et al.,

2023b) and work-in-progress (Allen et al., 2024; Guttman-Kenney, 2024b; Guttman-Kenney

and Shahidinejad, 2024b). The abstracts for each of these three chapters follow on the next

three pages. In addition to these three chapters, during the PhD I have also completed

a variety of other research (Sakaguchi et al., 2022; Adams et al., 2022a; Guttman-Kenney

et al., 2022, 2023b; Gathergood and Guttman-Kenney, 2021; Gathergood et al., 2021a) and

have work-in-progress (Allen et al., 2024; Cookson et al., 2024; Gibbs et al., 2024; Guttman-

Kenney, 2024b; Guttman-Kenney and Shahidinejad, 2024b).