This paper studies the enforcement of fines, and, in particular, the effects of simplification and salience nudges on timely payments. In a randomized controlled trial, we add cover letters to 80,000 payment notifications for speeding. The letters increase the salience of the payment deadline,...

In the wake of the housing crisis in 2008, U.S. policymakers have developed a range of policy proposals to address the risk of mortgage borrowers going into payment default. Some of these proposed regulations would effectively eliminate certain loans with riskier borrower characteristics from...

This paper analyzes the effect of traffic tickets on motor vehicle accidents. Ordinary least squares (OLS) estimate may be upward biased because police officers tend to focus on areas where and periods when there is heavy traffic and thus higher rates of accidents. This paper exploits the...

Head Start is the oldest and largest federally funded preschool program in the United States. From its inception in 1965, Head Start not only provided early childhood education, care, and services for children, but also sought to promote parents’ success. However, almost all evaluation studies...

Using a rich data set of all SAT test takers from the 2004 through 2008 high school graduation cohorts, we investigate the impact of state‐specific school age‐of‐entry laws on students’ pathways into and through college. We document that these laws do not impact the probability that a...

The 2013 decision by the U.S. Supreme Court in the Fisher v. University of Texas at Austin case clarified when and how it is legally permissible for universities to use an applicant's race or ethnicity in its admissions decisions. The court concluded that such use is permissible when “no...

Mounting evidence across different disciplines suggests that early‐life conditions can have consequences on individual outcomes throughout the life cycle. Relative to other developed countries, the United States fares poorly on standard indicators of early‐life health, and this disadvantage...