Consumer Research and the Evaluation of Information Disclosure Requirements: The Case of Truth in Lending

George S. Day · William K. Brandt

55 citations0/0 files storedJournal of Consumer Research

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Financial Literacy, Pension, Retirement Analysis Consumer Market Behavior and Pricing Financial Literacy and Behavior

Abstract

This article evaluates the impact of Truth in Lending (TIL) disclosures on consumer search and credit usage behavior, and how the effects vary by market segment. Consumer behavior concepts were used to guide the development of a comprehensive model of the consumer credit decision process, which specified the intervening effects of TIL and the situational constraints which tended to limit the use of TIL information.

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References

1963Experimental and Quasi-Experimental Designs for Research 1961A Model for Predictive Measurements of Advertising Effectiveness 1975Evaluation Research: Methods of Assessing Program Effectiveness.1966Consumer decision processes : marketing and advertising implications 1973Consumer Choice Behavior. A Cognitive Theory 1964Consumer Sensitivity to Finance Rates: An Empirical and Analytical Investigation

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