Behavioural economics and the regulation of consumer credit

This paper developed with the assistance of the New Zealand Law Foundation, is a case study that examines the regulation of consumer credit through the lens of behavioural economics. The paper examines how behavioural biases may contribute to poor decisions that have implications for the consumer credit industry. It critically reviews a range of regulations that have been considered to addressing consumer credit issues and offers suggestions for future investigation.


Dr Richard Tooth

Richard’s expertise is in economic policy, regulation and applied econometrics.

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