Publications: A. The Financial System and Lower-Income Households “Payday Lending: New Research and the Big Question,” chapter in the Oxford Handbook of the Economics of Poverty edited by Philip Jefferson, 2012. “Can Personal Financial Management Education Promote Asset Accumulation by the Poor?” in Assessing Adult Financial Literacy and Why it Matters published by Networks Financial Institute at Indiana State University, 2006. “The Unbanked in Mexico and the United States,” with Clemente Ruiz Duran and Tova Maria Solo, World Bank Policy Research Working Paper #3835, February 2006. “Fringe Banking and the Rise of Payday Lending,” in Patrick Bolton and Howard Rosenthal (eds) Credit Markets for the Poor (: Russell Sage Foundation) 2005. “Reaching Out to the Unbanked,” in Sherraden, Michael (ed.) Inclusion in the American Dream: Assets, Poverty, and Public Policy (: Press) 2005. “Check-Cashing Outlets in a Changing Financial System” Federal Reserve Bank of Working Paper #02-4, February 2002. The Economics of Payday Lending, A monograph published by the Filene Research Institute, . 2002. Available through . "Bringing Unbanked Households into the Banking System," published as part of the Brookings Institution’s Capital Xchange series, January 2002. “Payday Lending,” Financial Counseling and Planning, Vol. 12, No. 2, 2001. Check Cashing and Savings Programs for Low-Income Households: An Action Plan for Credit Unions, A monograph published by the Filene Research Institute, , February 2001. "Financial Exclusion in the " A paper published as Chapter 6 of In or Out? Financial Exclusion: A Literature and Research Review, A monograph published by the Financial Services Authority of Great Britain, summer 2000. Credit Unions and Asset Accumulation by Lower-Income Households, (with David B. Humphrey) a monograph published by the Filene Research Institute, Madison, WI, October 1999. Beyond Cash and Carry: Financial Savings, Financial Services, and Low Income Households in Two Communities, a report issued by the Consumer Federation of America, 1997. Lower Income Americans, Higher Cost Financial Services, a monograph published by the Filene Research Institute, , 1997.
“Explaining the Boom in Check-Cashing Outlets and Pawnshops,” Conference on Consumer Finance Law Quarterly Report, Winter 1995. Fringe Banking: Check-Cashing Outlets, Pawnshops, and the Poor, (: Russell Sage Foundation) 1994. "Bank Representation in Low-Income and Minority Urban Communities," Urban Affairs Quarterly, June 1994. “Who Has a Bank Account and Who Doesn’t: 1977 and 1989,” (with Andrew Peterson) Eastern Economic Journal, Winter 1994. "Check-Cashing Outlets in the Financial System," Federal Reserve Bank of City Economic Review, November/December 1991. "Pawnbroking in : The Economics of a Forgotten Credit Market," Journal of Money, Credit, and Banking, February 1991. "Pawnshops: The Consumer's Lender of Last Resort," (with Brian Zikmund) Federal Reserve Bank of Economic Review, March/April 1990. B. Other Topics Related to the Domestic Financial System “The Stock Exchange: Adapting to Survive in Changing Markets,” Business History Review, Autumn 2004. “The Evolution of the Philadelphia Stock Exchange” Federal Reserve Bank of Business Review, Second quarter, 2004 “Is the Debit Card Revolution Finally Here?” (with Gordon H. Sellon Jr.) Federal Reserve Bank of Economic Review, fourth quarter 1994. "The Susan B. Anthony Dollar and the Theory of Coin/Note Substitutions," (with Simon St.Laurent) Journal of Money, Credit and Banking, August 1994. C. Urban Studies & Community Development Finance “The Philadelphia School District’s Ongoing Financial Crisis: Why the district has a money problem,” (with Mark Kuperberg) EducationNext, Fall 2014. “Hope: The Evolution of a Community Development Organization” unpublished manuscript, Oct 2013.