Andrey Raichev and Kancho Stoychev

Abstract

In November 2008, Ohio passed the temporary money Law which required a 28% APR on payday advances, effortlessly banning a. Making use of certification information from 2006 to 2010, I study if there are certainly modifications in the supply section of the pawnbroker, precious-metals, small-loan, and second-mortgage financing businesses during durations when the ban will work. Ostensibly unconnected regression results reveal the ban enhances the normal county-level functioning small-loan, second-mortgage, and pawnbroker licensees per million by 156, 43, and 97percent, correspondingly.

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