When Consumer Financial Protection Spills Over: Student Loan Borrowing Under the CARD Act

The authors thank Delisa Falks and Nicholas Kilmer for immeasurable help with this project; Anaka Aiyar, Andrew Barr, John Beshears, Cary Deck, Michael Dinerstein, Michael Gelman, Kelly Hyde (discussant), Dean Karlan, Theresa Kuchler (discussant), Mark Pingle, Kym Pram, Suzanne Shue, Kamila Sommer (discussant), Mike Taylor, Dilek Uz, and seminar participants at Research Seminar of the Philly Fed, Virtual Household Finance Seminar, CEPR Household Finance Meetings, FDIC Consumer Research Symposium, Texas Association of Collegiate Financial Professionals Webinar, Rand Behavioral Finance Forum, University of Nevada, Reno, IPA Consumer Protection Gathering, and Texas A&M University for valuable comments; and Jeff Webster and Carla Fletcher from the Trellis Company.