Pub Date : 2021-04-20DOI: 10.1007/s10603-021-09488-y
N. D. Albers, A. O. Wren, T. L. Knotts, M. Chupp
{"title":"Consumer Perceptions and Pricing Practices for Weddings","authors":"N. D. Albers, A. O. Wren, T. L. Knotts, M. Chupp","doi":"10.1007/s10603-021-09488-y","DOIUrl":"https://doi.org/10.1007/s10603-021-09488-y","url":null,"abstract":"","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":"44 1","pages":"407 - 426"},"PeriodicalIF":2.3,"publicationDate":"2021-04-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1007/s10603-021-09488-y","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45802292","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-04-10DOI: 10.1007/s10603-021-09485-1
P. Hohnen, A. R. Hansen
{"title":"Credit Consumption and Financial Risk Among Danish Households— A Register-Based Study of the Distribution of Bank and Credit Card Debt","authors":"P. Hohnen, A. R. Hansen","doi":"10.1007/s10603-021-09485-1","DOIUrl":"https://doi.org/10.1007/s10603-021-09485-1","url":null,"abstract":"","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":"44 1","pages":"311 - 328"},"PeriodicalIF":2.3,"publicationDate":"2021-04-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1007/s10603-021-09485-1","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41635290","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-04-06DOI: 10.1007/s10603-021-09481-5
A. Berhaupt-Glickstein, W. Hallman
{"title":"An Investigation of the Contested Qualified Health Claims for Green Tea and Cancer","authors":"A. Berhaupt-Glickstein, W. Hallman","doi":"10.1007/s10603-021-09481-5","DOIUrl":"https://doi.org/10.1007/s10603-021-09481-5","url":null,"abstract":"","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":"44 1","pages":"259 - 277"},"PeriodicalIF":2.3,"publicationDate":"2021-04-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1007/s10603-021-09481-5","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42549023","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-03-25DOI: 10.1007/s10603-021-09479-z
M. Ceravolo, V. Farina, L. Fattobene, L. Leonelli, G. Raggetti
{"title":"Gender-Related Variability in Information Processing of Disclosure Documents","authors":"M. Ceravolo, V. Farina, L. Fattobene, L. Leonelli, G. Raggetti","doi":"10.1007/s10603-021-09479-z","DOIUrl":"https://doi.org/10.1007/s10603-021-09479-z","url":null,"abstract":"","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":"44 1","pages":"217 - 233"},"PeriodicalIF":2.3,"publicationDate":"2021-03-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1007/s10603-021-09479-z","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46851676","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-03-08DOI: 10.1007/s10603-021-09484-2
L. Reisch, F. Doebbe
{"title":"Book Notes “Economics and Social Sciences” 2/2021","authors":"L. Reisch, F. Doebbe","doi":"10.1007/s10603-021-09484-2","DOIUrl":"https://doi.org/10.1007/s10603-021-09484-2","url":null,"abstract":"","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":"44 1","pages":"347 - 356"},"PeriodicalIF":2.3,"publicationDate":"2021-03-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1007/s10603-021-09484-2","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41349166","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-02-05DOI: 10.1007/s10603-020-09475-9
F. Esposito
{"title":"Towards a General Theory of Harm for Consumer Law","authors":"F. Esposito","doi":"10.1007/s10603-020-09475-9","DOIUrl":"https://doi.org/10.1007/s10603-020-09475-9","url":null,"abstract":"","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":"44 1","pages":"329 - 345"},"PeriodicalIF":2.3,"publicationDate":"2021-02-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1007/s10603-020-09475-9","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49065956","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-01-01Epub Date: 2021-03-11DOI: 10.1007/s10603-021-09480-6
G Silinskas, M Ranta, T-A Wilska
The present study examined the multiple micro- and macro-level factors that affect individuals' financial behaviour under economic strain. The following sociodemographic and economic factors that predict financial behaviour were analysed: age group, year of data gathering, and attitudes towards consumption (economical, deprived, and hedonistic). Subjective financial situations and demographic characteristics were controlled for. Finnish time series data that consisted of five cross-sectional nationally representative surveys were used (n = 10 043). The analyses revealed four types of financial behaviour: cutting expenses, borrowing, increasing income, and gambling. Young adults aged 18-25 reported the lowest frequency of borrowing and gambling and the highest frequency of increasing income (together with young adults aged 26-35). Participants aged 66-75 scored the lowest in cutting expenses and increasing income in comparison to all other age groups. Financial behaviour under economic strain in 2019 can be characterized by lower instances of borrowing than in 2004 and 2009 and higher frequencies in increasing income in comparison to all other years of data gathering. Finally, strong attitudes towards saving were related to lower frequency of borrowing and gambling, whereas stronger hedonistic attitudes were related to lower frequency of cutting expenses and more frequent borrowing. The research results provide tools for consumer policy, consumer education, and consumer regulation.
{"title":"Financial Behaviour Under Economic Strain in Different Age Groups: Predictors and Change Across 20 Years.","authors":"G Silinskas, M Ranta, T-A Wilska","doi":"10.1007/s10603-021-09480-6","DOIUrl":"10.1007/s10603-021-09480-6","url":null,"abstract":"<p><p>The present study examined the multiple micro- and macro-level factors that affect individuals' financial behaviour under economic strain. The following sociodemographic and economic factors that predict financial behaviour were analysed: age group, year of data gathering, and attitudes towards consumption (economical, deprived, and hedonistic). Subjective financial situations and demographic characteristics were controlled for. Finnish time series data that consisted of five cross-sectional nationally representative surveys were used (<i>n</i> = 10 043). The analyses revealed four types of financial behaviour: cutting expenses, borrowing, increasing income, and gambling. Young adults aged 18-25 reported the lowest frequency of borrowing and gambling and the highest frequency of increasing income (together with young adults aged 26-35). Participants aged 66-75 scored the lowest in cutting expenses and increasing income in comparison to all other age groups. Financial behaviour under economic strain in 2019 can be characterized by lower instances of borrowing than in 2004 and 2009 and higher frequencies in increasing income in comparison to all other years of data gathering. Finally, strong attitudes towards saving were related to lower frequency of borrowing and gambling, whereas stronger hedonistic attitudes were related to lower frequency of cutting expenses and more frequent borrowing. The research results provide tools for consumer policy, consumer education, and consumer regulation.</p>","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":"44 2","pages":"235-257"},"PeriodicalIF":1.4,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7947154/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"25481916","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-01-01Epub Date: 2021-08-02DOI: 10.1007/s10603-021-09493-1
R Chakraborti, G Roberts
Theory suggests anticipation of shortages stemming from price regulation can motivate households to stock up more and thereby aggravate the regulation-induced shortage. We test this theory on online shopping searches for two typically store-bought staples: hand sanitizer and toilet paper. Combining (i) interstate variation in type of price-gouging regulation-preexisting versus surprise versus none, (ii) their temporally staggered implementation, and (iii) the demand surges for hand sanitizer and toilet paper during the COVID-19 pandemic facilitates identifying the impacts of different price-gouging regulation on consumer searches. Our results are consistent with price-gouging regulation-driven anticipatory hoarding. Difference-in-differences estimates reveal that states with preexisting-regulation experience the largest increases in post-implementation search proportions for both products. Accounting for potential endogeneity of implementation using a nearest-neighbor matching strategy reveals states that make surprise announcements of new regulation during the pandemic also experience larger increases in post-activation hand sanitizer search proportions than states without any such policy, but smaller increases than what preexisting-law states experience. These results corroborate the theoretical predictions about consequences of regulation-induced anticipation of shortages and inform the current policy debate surrounding impacts of price-gouging laws. Fundamentally, our results indicate behavioural responses to policy evolve as experience reveals the effects of the policy, and this evolution might influence the welfare consequences of the policy.
Supplementary information: The online version contains supplementary material available at 10.1007/s10603-021-09493-1.
{"title":"Learning to Hoard: The Effects of Preexisting and Surprise Price-Gouging Regulation During the COVID-19 Pandemic.","authors":"R Chakraborti, G Roberts","doi":"10.1007/s10603-021-09493-1","DOIUrl":"https://doi.org/10.1007/s10603-021-09493-1","url":null,"abstract":"<p><p>Theory suggests anticipation of shortages stemming from price regulation can motivate households to stock up more and thereby aggravate the regulation-induced shortage. We test this theory on online shopping searches for two typically store-bought staples: hand sanitizer and toilet paper. Combining (i) interstate variation in type of price-gouging regulation-preexisting versus surprise versus none, (ii) their temporally staggered implementation, and (iii) the demand surges for hand sanitizer and toilet paper during the COVID-19 pandemic facilitates identifying the impacts of different price-gouging regulation on consumer searches. Our results are consistent with price-gouging regulation-driven anticipatory hoarding. Difference-in-differences estimates reveal that states with preexisting-regulation experience the largest increases in post-implementation search proportions for both products. Accounting for potential endogeneity of implementation using a nearest-neighbor matching strategy reveals states that make surprise announcements of new regulation during the pandemic also experience larger increases in post-activation hand sanitizer search proportions than states without any such policy, but smaller increases than what preexisting-law states experience. These results corroborate the theoretical predictions about consequences of regulation-induced anticipation of shortages and inform the current policy debate surrounding impacts of price-gouging laws. Fundamentally, our results indicate behavioural responses to policy evolve as experience reveals the effects of the policy, and this evolution might influence the welfare consequences of the policy.</p><p><strong>Supplementary information: </strong>The online version contains supplementary material available at 10.1007/s10603-021-09493-1.</p>","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":"44 4","pages":"507-529"},"PeriodicalIF":2.3,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1007/s10603-021-09493-1","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"39292362","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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