Search Results - subject_exact:"Wucher"

The birth of price theory in Peter Olivi's Treatise on Contracts (Narbonne: 1295) : a tool against misconceived regulation

Azam, Jean-Paul - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015271440

Predatory lending and hidden risks

Agarwal, Sumit; Amromin, Gene; Ben-David, Itzhak; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015451409

Towards a metaphysics of usury

Bauwens, Michaël - 2025

This paper charitably develops a possible metaphysical argument against usury, as a common ground on which theology and economics can consider the issue. The metaphysical framework is derived from Anselm's Augustinian-Platonist metaphysics of participation whereby all goods are good through the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015437864

Less for you, more for me : credit reallocation and rationing under usury limits

Chakrabarti, Rajashri; García, Daniel; Morgan, Donald P.; … - 2025

Many states have capped consumer loan interest rates to protect households from high-cost lenders. Using triple-difference and event study analysis, we investigate how these usury limits affect the availability and allocation of credit across households. Consistent with standard price theory, we...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015556251

Usury enforcement as an alternative to capital taxation in pre-modern states

Hendrickson, Joshua - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015592515

Show one more version 1

Usury Enforcement as an Alternative to Capital Taxation in Pre-Modern States

Hendrickson, Joshua R. - 2020

Book / Working Paper

Price Gouging, the Pandemic, and What Comes Next

Ainsworth Caruso, Kaitlin - 2023

Whenever there is a disaster, there are complaints of price gouging — that is, of people selling critical goods at grossly inflated prices. Over the last half-century, states and territories have increasingly responded by adopting anti-gouging laws that limit how much sellers can increase...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014344793

The scholastic view on usury and economic instability

Berendt, Emil B. - 2023

This article argues that much of Scholastic and neo-Scholastic teaching on usury rests on practical considerations regarding redistribution and market instability. This aspect of usury is underappreciated by economists, especially those in the field of the history of economic thought. A core...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014513969

Usury, slavery, and limited liability

Uppal, Jamshed Y. - 2023

Limitations on or total prohibition of usury (or interest) have been a pervasive theme across religions and ancient societies. Since medieval times, two major institutional changes relating to non-performance of debt contracts have taken place, namely, the abolition of slavery and the evolution...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014513972

Bankers as immoral? : some parallels and differences between Aquinas's views usury and Marxian views of banking and credit

Lambert, Thomas - 2023

Since ancient times the practices and ethics of bankers and banking in general have undergone a great deal of criticism. While lending is motivated by profit, and while households are not explicitly coerced into borrowing money, the justice of a system which exploits workers and at the same time...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014477032

The New Usury : The Ability-to-Repay Revolution in Consumer Finance

Levitin, Adam J. - 2023

Consumer credit regulation is in the midst of a doctrinal revolution. Usury laws, for centuries the mainstay of consumer credit regulation, have been repealed, preempted, or otherwise undermined. At the same time, changes in the structure of the consumer credit marketplace have weakened the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014257847

Usury in Medieval Jewish Thought

Schiffman, Daniel - 2023

This chapter surveys the writings of medieval Jewish rabbis on usury during 1050-1565. These writings belonged to three literary genres: legal, ethical/pietistic, and Biblical commentary. After surveying the moralistic condemnations of usury by medieval rabbis, I illustrate three theoretical...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014262753

Predatory small-business lending : market and regulatory failures

Levitin, Adam J. - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015654302

Algorithmic Price Gouging

Williams, Spencer - 2022

This chapter examines the intersection of dynamic pricing algorithms and U.S. price gouging laws. Recently, an increasing number of companies, particularly online retailers and technologically- enabled service providers, implemented pricing algorithms that dynamically update prices in real time...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013293447

Does increasing access to formal credit reduce payday borrowing?

Miller, Sarah; Soo, Cindy K. - 2020

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012300451

Show 2 more versions 2

Does Increasing Access to Formal Credit Reduce Payday Borrowing?

Miller, Sarah; Soo, Cindy - 2022

Book / Working Paper

Does Increasing Access to Formal Credit Reduce Payday Borrowing?

Miller, Sarah - 2020

Book / Working Paper

Estimating Repugnance Toward Price Gouging With Incentivized Consumer Reports

Holz, Justin; Jiménez Durán, Rafael; … - 2022

Thirty-four states prohibit price increases during emergencies and individuals take costly actions to report violators. We measure experimentally the willingness to pay to report sellers who increase prices of personal protective equipment. Over 75% of subjects pay to report even if others are...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013323962

Examining payday loan utilization among households with mainstream credit access

Lamb, Laura - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014540159

Seeking efficiency or price gouging? : evidence from pharmaceutical mergers

Hammoudeh, Mosab; Nain, Amrita - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015071037

Show one more version 1

Seeking Efficiency or Price Gouging? Evidence from Pharmaceutical Mergers

Hammoudeh, Mosab; Nain, Amrita - 2020

Book / Working Paper

Geld an der Grenze : Souveränität und Wertmaßstäbe im Zeitalter des Imperialismus 1871-1923

Suter, Mischa - 2024 - Erste Auflage

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014419588

The nature of money in a convertible currency world

Sissoko, Carolyn - 2021

In a world where the means of exchange is convertible into the numeraire consumption good at a fixed rate, no one wants to hold money over time - and due to convertibility there is no means by which the Friedman rule can generate deflation. This is the environment we study in this paper in order...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012599474

Are High-Interest Loans Predatory? Theory and Evidence from Payday Lending

Allcott, Hunt; Kim, Joshua J.; Taubinsky, Dmitry; … - 2021

It is often argued that people might take on too much high-cost debt because they are present focused and/or overoptimistic about how soon they will repay. We measure borrowers' present focus and overoptimism using an experiment with a large payday lender. Although the most inexperienced...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012533348

Historical definition and theoretical background of usury loan provisions

Chlumská, Zuzana - 2021

The thesis deals with usury and illegal lenders both on the domestic scene and abroad. The usury itself is defined by its characteristics, by adjudication and by historical connotations. The historical definition begins in Mesopotamia and ancient Rome, basically since the emergence of money. The...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012588924

Price Gouging in a Pandemic

Buccafusco, Christopher; Hemel, Daniel J.; Talley, Eric L. - 2021

The ongoing COVID-19 pandemic has led to acute supply shortages across the country as well as concerns over price increases amid surging demand. In the process, it has reawakened a debate about whether and how to regulate “price gouging.” Animating this controversy is a longstanding conflict...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013233948

Prodigals and Projecture : An Economic History of Usury Laws in the United States from Colonial Times to 1900

Rockoff, Hugh - 2021

During the Colonial era usury laws in the United States were strict both in terms of the maximum rate that could be charged and the penalties that would be imposed. In Massachusetts in eighteenth century, for example, the maximum rate was 6 percent, and both principal and interest were forfeited...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013247184

Show one more version 1

Prodigals and Projecture : An Economic History of Usury Laws in the United States from Colonial Times to 1900

Rockoff, Hugh - 2003

Book / Working Paper

Seller reputation and price gouging : evidence from the COVID-19 pandemic

Cabral, Luís M. B.; Xu, Lei - 2020

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012216191

An experimental comparison of news vending and price gouging

Brokesova, Zuzana; Deck, Cary A.; Peliova, Jana - 2020

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012209311

Justification of the usury contract in the law of the Republic of Serbia : advantages and disadvantages

Praštalo, Tanja - 2020

A usury contract is a null and void contract whereby someone, using the condition of another's misfortune or material hardship, lack of experience, recklessness, or dependency, obtains for himself or for a third party a benefit that is clearly disproportionate to what he or she has given or done...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012522868

Systemic usury and the European consumer credit directive

Neuberger, Doris; Reifner, Udo - 2020

Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Although the term usury conjures images of a greedy individual consciously acting to exploit the weak bargaining position of another by deceitful and even fraudulent means, we consider it as...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012507235

Show 2 more versions 2

Systemic usury and the European Consumer Credit Directive

Neuberger, Doris; Reifner, Udo - 2019

Book / Working Paper

Systemic usury and the European Consumer Credit Directive

Neuberger, Doris; Reifner, Udo - 2019 - Revised version Dezember 2019

Edition: Revised version Dezember 2019

Book / Working Paper

Usury Redux : Notes on the Scholastic Analysis of Usury by John T. Noonan

Burke, Joseph - 2020

I summarize the key points of the scholastic theory of usury following The Scholastic Analysis of Usury by John T. Noonan. Usury is the sin of taking interest on a loan without a just title. According to Scholastic moral theology, interest on loans may be justified by the extrinsic titles to...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012837703

Rent-a-Bank : Bank Partnerships and the Evasion of Usury Laws

Levitin, Adam J. - 2020

“Rent-a-bank” arrangements are the vehicle of choice for subprime lenders seeking to avoid state usury, licensure, and other consumer protection laws. In a rent-a-bank arrangement, a non-bank lender contracts with a bank to make loans per its specifications and then buys the loans from the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012824181

Usury crimes in post-crisis China : the underlying economics and beyond

Li, Dongmei; Peng, Zhe; Xiong, Kainan - 2021

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012804347

Show one more version 1

Usury Crimes in Post-Crisis China : The Underlying Economics and Beyond

Li, Dongmei - 2020

Book / Working Paper

Hugo Grotius on Usury : acknowledging the end of the scholastic argument

Lapidus, André - 2023

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015053033

The Talmud on usury

Koehler, Benedikt - 2023

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014432638

Estimating the distaste for price gouging with incentivized consumer reports

Holz, Justin; Jiménez Durán, Rafael; … - 2023

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014480188

Food retailer response to price gouging litigation

Scheitrum, Daniel; Schaefer, K. Aleks; Saitone, Tina L. - 2023

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014439823

No return : Jews, Christian usurers, and the spread of mass expulsion in medieval Europe

Dorin, Rowan - 2023

"Beginning in the twelfth century, Jewish moneylenders increasingly found themselves in the crosshairs of European authorities, who denounced the evils of usury as they expelled Jews from their lands. Yet Jews were not alone in supplying coin and credit to needy borrowers. Across much of Western...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013285836

The tenant class

Tranjan, Ricardo - 2023

"In this trailblazing manifesto, political economist Ricardo Tranjan places tenants and landlords on either side of the class divide that splits North American society. What if there is no housing crisis, but instead a housing market working exactly as intended? What if rent hikes and eviction...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013477688

American Usury Law and the Military Lending Act

Kantwill, Paul - 2019

In 2006 Congress adopted the Military Lending Act (“MLA”) to protect active duty military service members and their families from high-cost, predatory loans. The core provision of the statute is a usury limit capping interest rates at no more than 36 percent per annum. The United States...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012865711

Predatory Mortgage Lending

Bond, Philip; Musto, David K.; Yılmaz, Bilge - 2019

Regulators express growing concern over predatory loans, which the authors take to mean loans that borrowers should decline. Using a model of consumer credit in which such lending is possible, they identify the circumstances in which it arises both with and without competition. The authors find...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014047120

The Resurgence of Islamic Populist : Purification Understanding of Usury Banking in X-Banker Community-Indonesia

Nurjannah, Septyanun; Khudzaifah, Dimyati; Bambang, Setiaji - 2019

This article analyses facts about the community of former bank workers (x-banker), who migrated from both Indonesian conventional banks and Islamic banks. The hijra is a purification movement for understanding usury banking as a reaction to the failure of constructing sharia principles in...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014032506

Bubbles in US gasoline prices : assessing the role of hurricanes and anti-price gouging laws

Oladosu, Gbadebo - 2022

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014276623

Debt and usury : economic and financial questions in the Roman Republic (fifth-first century B.C.)

Gabrielli, Chantal - 2022

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013448002

Transforming usury into finance : financialization and the ethics of debt

Walsh, Kate Padgett - 2018

This article examines the conceptual transformation of what was once considered usury into finance. To counter traditional arguments that usury was exploitative and unnatural, early modern theorists reconceptualized debt as a form of investment for both borrowers and lenders. Today, this ethical...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012034592

Cryptocurrency or Usury? Crime and Alternative Money Laundering Techniques

Masciandaro, Donato - 2018

The article presents a novel dynamic setting to compare old – usury – and new – cryptocurrency – money laundering techniques and uses it for calibration to shed light on their relative role as an effective device for the criminal organizations to clean their illegal revenues. The...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012906387

Contingent judicial deference : theory and application to usury laws

Guimarães, Bernardo; Salama, Bruno Meyerhof - 2017

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012171971

Loan Contracting in the Presence of Usury Limits : Evidence from Automobile Lending

Melzer, Brian - 2017

We study the effects of interest rate ceilings on the market for automobile loans. We find that loan contracting and the organization of the loan market adjust to facilitate loans to risky borrowers. When usury restrictions bind, automobile dealers nance a greater share of their customers'...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012962884

Usury & Loan Transfers

Bernhardt, Roger - 2017

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012965966

How does legal enforceability affect consumer lending? : evidence from a natural experiment

Honigsberg, Colleen; Jackson, Robert J.; Squire, Richard - 2017

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011866517

Show one more version 1

How Does Legal Enforceability Affect Consumer Lending? Evidence from a Natural Experiment

Honigsberg, Colleen - 2017

Book / Working Paper

The Italian CCBs Reform and Usury Credit Risk : A Quantitative Analysis

Barone, Raffaella - 2017

The aim of the paper is twofold. First of all, it highlights some weak points of the new reform of the Italian cooperative credit banks (i.e. the Law 08 April, 2016). Furthermore, after a sectioning of the cooperative credit trends during recent years, it aims to emphasize a possible risk of the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012950646

Legal Issues : Patenting Price Gouging

Pike, George H. - 2017

Price gouging is not a new phenomenon by any means. Wikipedia describes it as a reaction to a “supply shock” that goes beyond what is “considered reasonable or fair.” Many states–particularly those in the hurricane belt–have laws against price gouging during states of emergency, such...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012957090

Relief from usury : impact of a community-based microcredit program in rural India

Hoffmann, Vivian; Rao, Vijayendra; Surendra, Vaishnavi; … - 2017

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011663558

Show 2 more versions 2

Relief from Usury : Impact of a Community-Based Microcredit Program in Rural India

Hoffmann, Vivian - 2017

Book / Working Paper

Relief from Usury : Impact of a Community-Based Microcredit Program in Rural India

Hoffmann, Vivian - 2017

Book / Working Paper