Do Neighborhoods Affect the Credit Market Decisions of Low-Income Borrowers? Evidence from the Moving to Opportunity Experiment

Miller, Sarah

doi:10.1093/rfs/hhaa060

Cited by 18 publications

(6 citation statements)

References 47 publications

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“…Finkelstein et al, 2012;Humphries et al, 2019), but lower than those generally reported in studies that included social security number as a match variable (e.g. Miller and Soo, 2018;.…”

Section: Data and Sample Constructionmentioning

confidence: 84%

The Economic Consequences of Being Denied an Abortion

Miller¹,

Wherry²,

Foster³

2020

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Restrictions on abortion are pervasive, yet relatively little is known about the financial and economic impact of being denied an abortion on pregnant women who seek one. This paper evaluates the economic consequences of being denied an abortion on the basis of the gestational age of the pregnancy. Our analysis relies on new linkages to administrative credit report data for participants in the Turnaway Study, the first study to collect high-quality, longitudinal data on women receiving or being denied a wanted abortion in the United States. Some women had pregnancies close to the facility's gestational age limit, but below it, and received a wanted abortion (Near Limit Group). A second group of women had pregnancies just over the facility's gestational age limit and were turned away without receiving an abortion (Turnaway Group). We link study participants to ten years of credit report data including several years prior to their recruitment into the study. Using these data, we compare differences in credit report outcomes for the two groups of women over time using an event study design. We find that the trajectories for these outcomes are similar for the two groups of women prior to the abortion encounter. However, following their visit to the abortion provider, we find evidence of a large and persistent increase in financial distress for the women who were denied an abortion that is sustained for several years. Being denied an abortion increases the amount of debt 30 days or more past due by 78 percent and increases negative public records, such as bankruptcies and evictions, by 81 percent. We conduct additional analyses that use a regression discontinuity design to compare outcomes for women just above and just below the gestation limit at each clinic and find results that are consistent with the event study analyses. We explore the mechanisms behind these findings by taking advantage of existing survey data collected for the study participants and compare the effects sizes we document to those experienced by similar women following a "typical" birth. Our results highlight important financial and economic consequences of restrictions on abortion access.

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“…Finkelstein et al, 2012;Humphries et al, 2019), but lower than those generally reported in studies that included social security number as a match variable (e.g. Miller and Soo, 2018;.…”

Section: Data and Sample Constructionmentioning

confidence: 84%

The Economic Consequences of Being Denied an Abortion

Miller¹,

Wherry²,

Foster³

2020

Self Cite

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“…Finkelstein et al, 2012;Humphries et al, 2019), but lower than those generally reported in studies that included social security number as a match variable (e.g. Dobkin et al, 2018;Miller and Soo, 2018;Miller et al, 2021). 29 We are able to use survey data collected by the original Turnaway Study to better understand who was successfully matched to the credit database.…”

Section: Data and Sample Constructionmentioning

confidence: 95%

“…Reported match rates in each of these studies are 86%(Dobkin et al, 2018), 69%(Finkelstein et al, 2012), 61%(Humphries et al, 2019), 95%(Miller and Soo, 2018), and 99%(Miller et al, 2021).…”

mentioning

confidence: 99%

The Economic Consequences of Being Denied an Abortion

Miller

Wherry

Foster

2023

American Economic Journal: Economic Policy

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This paper evaluates the financial and economic consequences of being denied an abortion. We link credit report data to the Turnaway Study, which collected high-quality, longitudinal data on women receiving or being denied a wanted abortion in the United States. We compare financial outcomes over a ten-year period for women who had pregnancies just above and below a gestational age limit allowing for a wanted abortion. Outcomes evolved similarly for the two groups prior to the abortion encounter. Following the encounter, women who were denied an abortion experience a large increase in financial distress that remains for several years. (JEL G51, I18, J13, J16)

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“…Prior ecological research finds supportive evidence for effects to emerge at the community level (79,(85)(86)(87). Higher concentrations of nuisance establishments like bars and alcohol outlets that often indicate economic marginalization and distress are associated with higher rates of child abuse and neglect, a relationship hypothesized to operate through communitylevel mechanisms (88)(89)(90)(91).…”

Section: Theoretical Mechanisms Linking Payday Lenders To Mortalitymentioning

confidence: 99%

Payday lenders and premature mortality

Agnew

Bea

Friedline

2022

Front. Public Health

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Relationships between debt and poor health are worrisome as access to expensive credit expands and population health worsens along certain metrics. We focus on payday lenders as one type of expensive credit and investigate the spatial relationships between lender storefronts and premature mortality rates. We combine causes of death data from the Centers for Disease Control and Prevention (CDC) and payday lender locations at the county-level in the United States between 2000 and 2017. After accounting for county socioeconomic and demographic characteristics, the local presence of payday lenders is associated with an increased incidence risk of all-cause and specific-cause premature mortality. State regulations may attenuate these relationships, which provides insights on policy strategies to mitigate health impacts.

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Do Neighborhoods Affect the Credit Market Decisions of Low-Income Borrowers? Evidence from the Moving to Opportunity Experiment

Cited by 18 publications

References 47 publications

The Economic Consequences of Being Denied an Abortion

The Economic Consequences of Being Denied an Abortion

The Economic Consequences of Being Denied an Abortion

Payday lenders and premature mortality

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