Special Issue on Inequality in Consumer Credit and Payments


Guest Editor: Robert M. Hunt, Federal Reserve Bank of Philadelphia

Submission Deadline: January 31, 2023

Robust markets for consumer credit and payments are key to a thriving economy, but neither benefits nor burdens from the use of these products and services are shared equally. Inequality in these markets is the result of structural, technological, social, and economic factors. Its effects are stubbornly persistent. The COVID-19 pandemic, and the resulting policy responses, reduced certain inequalities, exacerbated others, and created new sources of inequality. The Journal of Economics and Business seeks to contribute to the ongoing academic and policy discussion and invites manuscript submissions relating to this topic.

We encourage submissions on the topic of inequality in consumer credit and payments broadly, with the following list of suggested topics being neither prescriptive nor exclusive:

The following list of suggested topics is not intended to be exclusive:
- Disparities in access, pricing, performance, and repayment of consumer debt;
- Disparities in the adoption, use, or effective protections in consumer payments;
- Changes in the patterns of inequality in consumer credit and payments over time, both nationally and locally;
- Disparities in consumer credit default, remediation (e.g., workouts), forgiveness, bankruptcy, and foreclosure;
- Strategies for enhancing financial inclusion to address unequal access to lending and payments markets;
- Design, efficacy, and continued relevance of equal credit protections and related government policies;
- Applications of new data and techniques to studying inequality in consumer credit and payment.

Researchers are invited to submit theoretical and empirical studies that reflect the entire range of approaches and methodologies. High quality landscape or other descriptive studies using novel or timely data are also encouraged.

Submission Process

Authors should submit papers electronically online to the Journal of Economics and Business at https://www.editorialmanager.com/jeb/default2.aspx.

Authors should select special issue VSI Consumer Credit when asked to indicate the Article Type in the submission process. All papers will go through the journal’s standard refereeing process. There is no submission fee for this special issue. The journal will publish this special issue in late 2023.