Tatiana Homonoff
Biographic Data
| ID | 6369405 |
|---|---|
| NAME | Tatiana Homonoff |
| GIVEN NAMES | Tatiana |
| FAMILY NAME | Homonoff |
| SIGNATURE | HOMONOFF T |
| AFFILIATIONS | Robert F. Wagner School of Public Service, New York University and NBER |
| VERIFIED | No |
| TOTAL WORKS | 2 |
| TOTAL CITATIONS | 2 |
| WORKS AS AUTHOR | 2 |
| WORKS AS EDITOR | 0 |
| FIRST PUBLICATION YEAR | 2021 |
| LATEST PUBLICATION YEAR | 2021 |
| H-INDEX | 1 |
Does Knowing Your Fico Score Change Financial Behavior? Evidence from a Field Experiment with Student Loan Borrowers
One in five consumer credit accounts incurs late fees each quarter. Evidence on the efficacy of regulations to improve behavior through enhanced disclosure of financial product attributes is mixed. We test a novel form of disclosure that provides borrowers with a personalized measure of their creditworthiness. In a field experiment with over 400,000 student loan borrowers, treatment group members received communications about the availability of …
Skipping the Bag
Regulation of goods associated with negative environmental externalities may decrease consumption of the targeted product, but may be ineffective at reducing the externality itself if close substitutes are left unregulated. We find evidence that plastic bag bans, the most common disposable bag regulation in the U.S., led retailers to circumvent the regulation by providing free thicker plastic bags, which are not covered by the ban. In contrast, a…
Skipping the Bag
Regulation of goods associated with negative environmental externalities may decrease consumption of the targeted product, but may be ineffective at reducing the externality itself if close substitutes are left unregulated. We find evidence that plastic bag bans, the most common disposable bag regulation in the U.S., led retailers to circumvent the regulation by providing free thicker plastic bags, which are not covered by the ban. In contrast, a…
Does Knowing Your Fico Score Change Financial Behavior? Evidence from a Field Experiment with Student Loan Borrowers
One in five consumer credit accounts incurs late fees each quarter. Evidence on the efficacy of regulations to improve behavior through enhanced disclosure of financial product attributes is mixed. We test a novel form of disclosure that provides borrowers with a personalized measure of their creditworthiness. In a field experiment with over 400,000 student loan borrowers, treatment group members received communications about the availability of …
Skipping the Bag
Regulation of goods associated with negative environmental externalities may decrease consumption of the targeted product, but may be ineffective at reducing the externality itself if close substitutes are left unregulated. We find evidence that plastic bag bans, the most common disposable bag regulation in the U.S., led retailers to circumvent the regulation by providing free thicker plastic bags, which are not covered by the ban. In contrast, a…
Business (2 works) · Economics (2 works) · Actuarial science (1 work) · Commerce (1 work) · Consumption (sociology (1 work) · Economic and Environmental Valuation (1 work) · Energy, Environment, and Transportation Policies (1 work) · Energy, Environment, Economic Growth (1 work) · Engineering (1 work) · Environmental regulation (1 work)