Raphaël Charron-Chénier
Biographic Data
| ID | 83754 |
|---|---|
| NAME | Raphaël Charron-Chénier |
| GIVEN NAMES | Raphaël |
| FAMILY NAME | Charron-Chénier |
| SIGNATURE | CHARRON-CHÉNIER R |
| AFFILIATIONS | Arizona State University |
| ORCID | 0000-0002-5254-9332 |
| VERIFIED | Yes |
| TOTAL WORKS | 14 |
| TOTAL CITATIONS | 201 |
| AUTHOR COUNT | 14 |
| EDITOR COUNT | 0 |
| FIRST PUBLICATION YEAR | 2017 |
| LATEST PUBLICATION YEAR | 2025 |
| H-INDEX | 5 |
Staying Apart for the Kids? Older American Daters and the Preservation of Family Wealth
Romantic repartnering in later life has received substantial scholarly and public attention in light of population aging and changes in family dynamics. In the United States, the importance of household wealth as a means to support basic welfare needs means that questions of dating and repartnering are complicated by financial considerations. This is particularly true with regard to preserving family wealth for children and grandchildren. Drawing…
Golden Years in the Red: Indebtedness Patterns across Cohorts of Older American Adults
Sociological research on household debt has focused largely on young adults. Older adults, however, were also impacted by policy shifts encouraging borrowing. Using Survey of Consumer Finances data, we examine changes in indebtedness across three cohorts of older households ages 65 to 76. We estimate changes in debt through models of cohort differences in total debt and in housing, consumer, and educational debt. We find that debt has increased c…
Debt‐based welfare: Debt‐to‐asset relationships across Black and White households in the United States
Under neoliberal social provision, debt has become a primary tool for US households to pursue economic mobility and manage risk. Borrowing supports financial and non‐financial investments that, in theory, should lead to lifetime income and asset gains from which debt can be repaid. Many scholars argue, however, that reliance on credit as a welfare tool significantly increases inequality, particularly along racial lines. In this paper, I examine t…
Bankruptcy in Black and White: The Effect of Race and Bankruptcy Code Exemptions on Wealth
Bankruptcy law in the United States is race-neutral on its face but, in practice, race matters in bankruptcy outcomes. Our original research provides an empirical look at how the facially neutral laws that allow debtors to retain assets in bankruptcy cases result in disparate outcomes for Black and white debtors. Racial differences in asset retention in bankruptcy cases play a role in perpetuating wealth inequality between Black and white debtors…
Taking up the tiki torch: Understanding alt-right interest using internet search data
A Pathway to Racial Equity: Student Debt Cancellation Policy Designs
Student debt in the United States has had a disproportionate negative impact on black and Latinx borrowers. We argue that analyses of plans proposing student debt cancellation should therefore foreground their potential impact on racial equity. To do so, we use data from the 2019 Survey of Consumer Finances and model the impact of debt cancellation on four key policy outcomes (reach, impact on the most vulnerable borrowers, borrower wealth gains,…
Racialized Debts: Racial Exclusion From Credit Tools and Information Networks
Research on debt highlights its use as a tool for investment and a substitute for public welfare programs. Use of debt, however, is not equal across social groups. Black households in particular have lower debt levels than white households. In this paper, we explore the context behind massive racial disparities in household debt. Conceptually, we propose that personal debt is an indicator of integration in the financial system. As such, we argue …
Predatory Inclusion in Consumer Credit: Explaining Black and White Disparities in Payday Loan Use
Payday loans are a high‐cost form of credit, yet they remain a popular financial tool used by a significant proportion of Americans. Use of these loans varies significantly across social groups. Black households in particular are more than twice as likely to use payday lending as white households. Explanations for households’ decision to use payday loans remain disputed. Some scholars argue that poor financial literacy is a major driver of payday…
Measuring Automatic Cognition: Advancing Dual-Process Research in Sociology
Dual-process models are increasingly popular in sociology as a framework for theorizing the role of automatic cognition in shaping social behavior. However, empirical studies using dual-process models often rely on ad hoc measures such as forced-choice surveys, observation, and interviews whose relationships to underlying cognitive processes are not fully established. In this article, we advance dual-process research in sociology by (1) proposing…
Spending Bundles: Incorporating Household Expenditures in the Sociology of Consumption
Sociologists of consumption focus primarily on understanding the determinants and consequences of social variation in tastes. Patterns of variation in actual purchases, however, remain relatively unexplored. In this paper, the author proposes a framework for studying household expenditures. Drawing on the work of Mary Douglas, the author proposes a classification of goods and services into four spending bundles that are defined in relation to the…
Payday loans and household spending: How access to payday lending shapes the racial consumption gap
Racial Disparities in Medical Spending: Healthcare Expenditures for Black and White Households (2013-2015)
Predatory Inclusion and Education Debt: Rethinking the Racial Wealth Gap
Analyses of the recent surge in racial wealth inequality have tended to focus on changes in asset holdings. Debt patterns, by contrast, have remained relatively unexplored. Using 2001 to 2013 data from the Survey of Consumer Finances, we show that after peaking in 2007, racial inequalities for most debt types returned to prefinancial crisis levels. The exception has been educational debt—on which we focus in this article. Our analyses show that e…
Race and Consumption: Black and White Disparities in Household Spending
Differences in consumption patterns are usually treated as a matter of preferences. In this article, the authors examine consumption from a structural perspective and argue that black households face unique constraints restricting their ability to acquire important goods and services. Using data from the Consumer Expenditure Surveys, the authors examine racial differences in total spending and in spending on major categories of goods and services…
Predatory Inclusion and Education Debt: Rethinking the Racial Wealth Gap
Analyses of the recent surge in racial wealth inequality have tended to focus on changes in asset holdings. Debt patterns, by contrast, have remained relatively unexplored. Using 2001 to 2013 data from the Survey of Consumer Finances, we show that after peaking in 2007, racial inequalities for most debt types returned to prefinancial crisis levels. The exception has been educational debt—on which we focus in this article. Our analyses show that e…
Measuring Automatic Cognition: Advancing Dual-Process Research in Sociology
Dual-process models are increasingly popular in sociology as a framework for theorizing the role of automatic cognition in shaping social behavior. However, empirical studies using dual-process models often rely on ad hoc measures such as forced-choice surveys, observation, and interviews whose relationships to underlying cognitive processes are not fully established. In this article, we advance dual-process research in sociology by (1) proposing…
Predatory Inclusion in Consumer Credit: Explaining Black and White Disparities in Payday Loan Use
Payday loans are a high‐cost form of credit, yet they remain a popular financial tool used by a significant proportion of Americans. Use of these loans varies significantly across social groups. Black households in particular are more than twice as likely to use payday lending as white households. Explanations for households’ decision to use payday loans remain disputed. Some scholars argue that poor financial literacy is a major driver of payday…
Race and Consumption: Black and White Disparities in Household Spending
Differences in consumption patterns are usually treated as a matter of preferences. In this article, the authors examine consumption from a structural perspective and argue that black households face unique constraints restricting their ability to acquire important goods and services. Using data from the Consumer Expenditure Surveys, the authors examine racial differences in total spending and in spending on major categories of goods and services…
Racialized Debts: Racial Exclusion From Credit Tools and Information Networks
Research on debt highlights its use as a tool for investment and a substitute for public welfare programs. Use of debt, however, is not equal across social groups. Black households in particular have lower debt levels than white households. In this paper, we explore the context behind massive racial disparities in household debt. Conceptually, we propose that personal debt is an indicator of integration in the financial system. As such, we argue …
Payday loans and household spending: How access to payday lending shapes the racial consumption gap
Racial Disparities in Medical Spending: Healthcare Expenditures for Black and White Households (2013-2015)
A Pathway to Racial Equity: Student Debt Cancellation Policy Designs
Student debt in the United States has had a disproportionate negative impact on black and Latinx borrowers. We argue that analyses of plans proposing student debt cancellation should therefore foreground their potential impact on racial equity. To do so, we use data from the 2019 Survey of Consumer Finances and model the impact of debt cancellation on four key policy outcomes (reach, impact on the most vulnerable borrowers, borrower wealth gains,…
Debt‐based welfare: Debt‐to‐asset relationships across Black and White households in the United States
Under neoliberal social provision, debt has become a primary tool for US households to pursue economic mobility and manage risk. Borrowing supports financial and non‐financial investments that, in theory, should lead to lifetime income and asset gains from which debt can be repaid. Many scholars argue, however, that reliance on credit as a welfare tool significantly increases inequality, particularly along racial lines. In this paper, I examine t…
Taking up the tiki torch: Understanding alt-right interest using internet search data
Spending Bundles: Incorporating Household Expenditures in the Sociology of Consumption
Sociologists of consumption focus primarily on understanding the determinants and consequences of social variation in tastes. Patterns of variation in actual purchases, however, remain relatively unexplored. In this paper, the author proposes a framework for studying household expenditures. Drawing on the work of Mary Douglas, the author proposes a classification of goods and services into four spending bundles that are defined in relation to the…
Predatory Inclusion and Education Debt: Rethinking the Racial Wealth Gap
Analyses of the recent surge in racial wealth inequality have tended to focus on changes in asset holdings. Debt patterns, by contrast, have remained relatively unexplored. Using 2001 to 2013 data from the Survey of Consumer Finances, we show that after peaking in 2007, racial inequalities for most debt types returned to prefinancial crisis levels. The exception has been educational debt—on which we focus in this article. Our analyses show that e…
Race and Consumption: Black and White Disparities in Household Spending
Differences in consumption patterns are usually treated as a matter of preferences. In this article, the authors examine consumption from a structural perspective and argue that black households face unique constraints restricting their ability to acquire important goods and services. Using data from the Consumer Expenditure Surveys, the authors examine racial differences in total spending and in spending on major categories of goods and services…
Spending Bundles: Incorporating Household Expenditures in the Sociology of Consumption
Sociologists of consumption focus primarily on understanding the determinants and consequences of social variation in tastes. Patterns of variation in actual purchases, however, remain relatively unexplored. In this paper, the author proposes a framework for studying household expenditures. Drawing on the work of Mary Douglas, the author proposes a classification of goods and services into four spending bundles that are defined in relation to the…
Payday loans and household spending: How access to payday lending shapes the racial consumption gap
Racial Disparities in Medical Spending: Healthcare Expenditures for Black and White Households (2013-2015)
Measuring Automatic Cognition: Advancing Dual-Process Research in Sociology
Dual-process models are increasingly popular in sociology as a framework for theorizing the role of automatic cognition in shaping social behavior. However, empirical studies using dual-process models often rely on ad hoc measures such as forced-choice surveys, observation, and interviews whose relationships to underlying cognitive processes are not fully established. In this article, we advance dual-process research in sociology by (1) proposing…
Predatory Inclusion in Consumer Credit: Explaining Black and White Disparities in Payday Loan Use
Payday loans are a high‐cost form of credit, yet they remain a popular financial tool used by a significant proportion of Americans. Use of these loans varies significantly across social groups. Black households in particular are more than twice as likely to use payday lending as white households. Explanations for households’ decision to use payday loans remain disputed. Some scholars argue that poor financial literacy is a major driver of payday…
A Pathway to Racial Equity: Student Debt Cancellation Policy Designs
Student debt in the United States has had a disproportionate negative impact on black and Latinx borrowers. We argue that analyses of plans proposing student debt cancellation should therefore foreground their potential impact on racial equity. To do so, we use data from the 2019 Survey of Consumer Finances and model the impact of debt cancellation on four key policy outcomes (reach, impact on the most vulnerable borrowers, borrower wealth gains,…
Racialized Debts: Racial Exclusion From Credit Tools and Information Networks
Research on debt highlights its use as a tool for investment and a substitute for public welfare programs. Use of debt, however, is not equal across social groups. Black households in particular have lower debt levels than white households. In this paper, we explore the context behind massive racial disparities in household debt. Conceptually, we propose that personal debt is an indicator of integration in the financial system. As such, we argue …
Taking up the tiki torch: Understanding alt-right interest using internet search data
Bankruptcy in Black and White: The Effect of Race and Bankruptcy Code Exemptions on Wealth
Bankruptcy law in the United States is race-neutral on its face but, in practice, race matters in bankruptcy outcomes. Our original research provides an empirical look at how the facially neutral laws that allow debtors to retain assets in bankruptcy cases result in disparate outcomes for Black and white debtors. Racial differences in asset retention in bankruptcy cases play a role in perpetuating wealth inequality between Black and white debtors…
Debt‐based welfare: Debt‐to‐asset relationships across Black and White households in the United States
Under neoliberal social provision, debt has become a primary tool for US households to pursue economic mobility and manage risk. Borrowing supports financial and non‐financial investments that, in theory, should lead to lifetime income and asset gains from which debt can be repaid. Many scholars argue, however, that reliance on credit as a welfare tool significantly increases inequality, particularly along racial lines. In this paper, I examine t…
Staying Apart for the Kids? Older American Daters and the Preservation of Family Wealth
Romantic repartnering in later life has received substantial scholarly and public attention in light of population aging and changes in family dynamics. In the United States, the importance of household wealth as a means to support basic welfare needs means that questions of dating and repartnering are complicated by financial considerations. This is particularly true with regard to preserving family wealth for children and grandchildren. Drawing…
Golden Years in the Red: Indebtedness Patterns across Cohorts of Older American Adults
Sociological research on household debt has focused largely on young adults. Older adults, however, were also impacted by policy shifts encouraging borrowing. Using Survey of Consumer Finances data, we examine changes in indebtedness across three cohorts of older households ages 65 to 76. We estimate changes in debt through models of cohort differences in total debt and in housing, consumer, and educational debt. We find that debt has increased c…
Economics (12 works) · Sociology (8 works) · Financial Literacy, Pension, Retirement Analysis (7 works) · Housing, Finance, and Neoliberalism (7 works) · Demographic economics (6 works) · Finance (6 works) · Housing Market and Economics (6 works) · Business (5 works) · Debt (4 works) · Political science (4 works)