This book examines the economic, psychological, sociological, historical, and legal traditions behind the demand for financial disclosures like Truth in Lending as consumer protections, how they have evolved into what they have become today, and how they might be reformed and improved.
This article provides an introduction to a law review symposium by the Journal of Law, Economics, and Policy on our book (co-authored with Michael E. Staten), Consumer Credit and the American Economy (Oxford 2014). The conference, held November 2014, collects several articles responding to and building on the research agenda laid out by our book. For those who have not read the book, this article is intended to summarize several of the main themes of the book, including discussion of economic models of consumer credit usage, trends in consumer credit usage over time, the use of high-cost credit, and behavioral economics.
Behavioural Change provides a comprehensive overview of what is known about our ability to change behaviour of people across a wide range of domains including smoking, physical activity and exercise, eating and nutrition, sexual behaviour, drugs and alcohol use, sleep, crash and injury prevention, depression, gambling and self-management of chronic illness. It not only reviews the evidence concerning these issues but also provides original insights into how effective and sustainable intervention programs may be designed and delivered to address them. The main emphasis of the book is on linking research knowledge, i.e. the evidence base, and its translation into effective and sustainable programs. State of the art reviews are presented in an accessible but authoritative manner. The emphasis upon transfer to programs is very useful for practitioners and students. For all topics, the following questions are posed: What is the scope of the problem within the international communities? What approaches are typically used to prevent or treat it? What is the evidence as to the most effective approaches to prevention and treatment? What is the performance of these approaches in terms of prevention/diversion and full or partial recovery for the short and long term?
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