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Warning: Duplicate entry '128317791' for key 'PRIMARY'
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Warning: Duplicate entry '128317791' for key 'PRIMARY'
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(0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:62:\"Non-static method view::load() should not be called statically\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/views/views.module\";s:5:\"%line\";i:879;}', 3, '', 'https://blog.web.mail.cfsp.org/publications/working-papers/are-information-disclosure-mandates-effective-evidence-credit-card-marke', '', '54.36.148.57', 1603853451) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128 Are Information Disclosure Mandates Effective? Evidence from the Credit Card Market | CFSP | Consortium on Financial Systems and Poverty
Consumer protection in fi nancial markets in the form of information disclosure is high on government agendas, despite the fact that the empirical evidence on its eff ectiveness is limited. To measure the impact of Truth-in-Lending-Act-type disclosures on default and indebtedness, as well as of debiasing warning messages and social comparison information, we implement a randomized control trial in the credit card market for a large population of indebted cardholders. We find that providing salient interest rate disclosures has no eff ect, while social comparisons and debiasing messages have only a modest e ffect. We also discuss the policy implications of these findings.
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