Explanipedia

The Complementary Effects of Financial Education and Payday Lending Regulations on Financial Inclusion Open

Aditi Routh, Carly Urban · 2025

The Complementary Effects of Financial Education and Payday Lending Regulations on Financial Inclusion Open

Aditi Routh, Carly Urban · 2025

Career and Technical Education Alignment Across Five States Open

Celeste K. Carruthers, Shaun M. Dougherty, Thomas Goldring, Daniel Kreisman, Roddy Theobald , et al. · 2024

We describe alignment between high school career and technical education (CTE) and local labor markets across five states—Massachusetts, Michigan, Montana, Tennessee, and Washington. We find that CTE is partially aligned with local labor m…

Association of Severe COVID-19 and Persistent COVID-19 Symptoms With Economic Hardship Among US Families Open

Nicole Hair, Carly Urban · 2023

Importance Little is known about the association of severe COVID-19 and post–COVID-19 conditions with household finances. Objective To examine associations between COVID-19 outcomes, pandemic-related economic hardship, and prepandemic soci…

High school financial education courses in the United States.: What is the importance of setting state policies? Open

Allison Oldham Luedtke, Carly Urban · 2023

Access to financial education courses makes a difference in high school students’ future financial lives. However, little data have been available to assess the access students have to these classes and what types of financial education ar…

Bank Accounts for Minors: A Pathway to Financial Inclusion or a Dead-End? Open

J. Michael Collins, Jeff Larrimore, Carly Urban · 2023

This study estimates the effects of state laws that allow access to independently owned bank accounts without a custodian. In states where minors can own accounts, youth aged 16 through 19 are more likely to be banked, although by age 24 t…

Replication Data for: Public Housing Authorities' Housing Choice Voucher Policies Can Affect SSI Participation Open

Carly Urban · 2023

This provides replication files and data for "Public Housing Authorities' Housing Choice Voucher Policies Can Affect SSI Participation"

Does Financial Education in High School Affect Retirement Savings in Adulthood? Open

Melody Harvey, Carly Urban · 2022

Does State-Mandated Financial Education Reduce High School Graduation Rates? Open

Carly Urban · 2022

Does Access to Bank Accounts as a Minor Improve Financial Capability? Evidence from Minor Bank Account Laws Open

Jeff Larrimore, J. Michael Collins, Carly Urban · 2021

<ns2:p>Banking the unbanked is a common policy goal, but should this include access to bank accounts for minors? This study estimates how teenagers' access to bank accounts affects their financial development. Using variation…

Do High Schools Choose Financial Education Policies Based on Their Neighbors? Open

Allison Oldham Luedtke, Carly Urban · 2021

Do High Schools Choose Financial Education Policies Based on Their Neighbors? Open

Allison Oldham Luedtke, Carly Urban · 2021

Financial Education courses required for high school graduation make a difference in students' future financial lives. Given that schools exercise local control, there are a variety of types of courses offered and required by US high schoo…

Financial Education Affects Financial Knowledge and Downstream Behaviors Open

Tim Kaiser, Annamaria Lusardi, Lukas Menkhoff, Carly Urban · 2020

We study the rapidly growing literature on the causal effects of financial education programs in a meta-analysis of 76 randomized experiments with a total sample size of over 160,000 individuals.The evidence shows that financial education …

Financial Education Affects Financial Knowledge and Downstream Behaviors Open

Tim Kaiser, Annamaria Lusardi, Lukas Menkhoff, Carly Urban · 2020

Financial Education Affects Financial Knowledge and Downstream Behaviors Open

Tim Kaiser, Annamaria Lusardi, Lukas Menkhoff, Carly Urban · 2020

Financial Education Affects Financial Knowledge and Downstream Behaviors Open

Tim Kaiser, Annamaria Lusardi, Lukas Menkhoff, Carly Urban · 2020

Personal Belief Exemptions for School-Entry Vaccinations, Vaccination Rates, and Academic Achievement Open

Nicole Hair, Anja Gruber, Carly Urban · 2020

Nonmedical exemptions from school-entry vaccine mandates are receiving increased policy and public health scrutiny. This paper examines how expanding the availability of exemptions influences vaccination rates in early childhood and academ…

Personal Belief Exemptions for School-Entry Vaccinations, Vaccination Rates, and Academic Achievement Open

Nicole Hair, Anja Gruber, Carly Urban · 2020

Housing Assistance and SSI Caseload Shifting Open

Eric Hembre, Carly Urban · 2019

This paper studies the extent to which two programs aimed at supporting low-income households interact: the Social Security Administration's Supplemental Security Income (SSI) and the Department of Housing and Urban Development's housing a…

Response Regarding Bureau Financial Education Programs (Docket No. CFPB-2018-0015) Open

Carly Urban, J. Michael Collins, Stephanie Moulton, Consumer Protection Scholars, Former Regulators · 2018

Response discussing whether the Consumer Federal Protection Bureau should continue its financial education programs.

Exploring the Rise of Mortgage Borrowing Among Older Americans Open

J. Michael Collins, Erik Hembre, Carly Urban · 2018

Exploring the Rise of Mortgage Borrowing Among Older Americans Open

J. Michael Collins, Erik Hembre, Carly Urban · 2018

Perspectives on evaluation in financial education: Landscape, issues, and studies Open

William B. Walstad, Carly Urban, Carlos J. Asarta, Elizabeth Breitbach, William Bosshardt , et al. · 2017

This review discusses the heterogeneity in the effectiveness of financial education programs that occurs because of the unique conditions for programs and methods to evaluate them. The authors define six groups served by financial educatio…

How the presidential primary season boosts states’ economies. Open

Rebecca Lessem, Carly Urban · 2016

US presidential campaigns may be long and drawn out, but according to research by Rebecca Lessem and Carly Urban, they can bring considerable economic benefitsis to the states hosting primary elections.

Why a viable third party might lead to less negative political advertising in campaigns. Open

Amit Gandhi, Daniela Iorio, Carly Urban · 2016

More than 80 percent of advertisements in political campaigns are negative; a type of messaging that is much less common in markets for consumer goods and services. Why is negativity so specific to political campaigns? In new research, Ami…

Negative Advertising and Political Competition Open

Amit Gandhi, Daniela Iorio, Carly Urban · 2015

Why is negative advertising such a prominent feature of competition in the US political market? We hypothesize that two-candidate races provide stronger incentives for going negative relative to non-duopoly contests: when the number of com…

Does Salient Financial Information Affect Academic Performance and Borrowing Behavior among College Students? Open

Maximilian D. Schmeiser, Christiana Stoddard, Carly Urban · 2015

The rising incidence and amount of student loan debt among young adults has significant implications for their economic well-being. However, students are generally provided little information on how to finance postsecondary education and h…

Does Salient Financial Information Affect Academic Performance and Borrowing Behavior Among College Students? Open

Maximilian D. Schmeiser, Christiana Stoddard, Carly Urban · 2015

Carly Urban YOU? Author Swipe