Personal Summary

Amanda Dawsey began working with credit card data while studying for her Ph.D. at the University of Maryland. She applied for a card in order to learn more about the application process, and despite the easy lending terms of the late 1990s, she was promptly denied. Despite this early rejection, Dr. Dawsey has persisted in her devotion to the study of credit markets, but she does occasionally take breaks to dance, bake vegan cookies or read cozy science fiction. 

Education

Ph.D., University of Maryland at College Park, 2001

Courses Taught

Microeconomic Theory, Principles of Microeconomics, Public Finance, Game Theory, Industrial Organization, Econometrics

Research Interests

I received my B.A. in Public Policy from Duke university and my Ph.D. in Economics from the University of Maryland (2001). Prior to joining the faculty at UMT, I was an Assistant Professor at the University of North Carolina at Greensboro. One strand of my research focuses on the strategic interactions between creditors and and borrowers, and how those interactions might change our understanding of credit markets. I hope to help create a fuller picture of the impact of bankruptcy laws and other consumer credit-related policy instruments. I am also very interested in how members of a family interact, and the implications of these interactions for the allocation of resources in less-developed countries. 

Field of Study

Law & Economics, Public Finance, Game Theory

Selected Publications

“State Bankruptcy Laws and the Responsiveness of Credit Card Demand,” Journal of Economics and Business, Vol. 81, No. 1 (2015).

“Externalities among Creditors and Personal Bankruptcy," Journal of Financial Economic Policy, Vol. 6, No. 1 (2014).

“Non-Judicial Debt Collection and the Consumer’s Choice among Repayment, Bankruptcy and Informal Bankruptcy” (with Richard M. Hynes and Lawrence M. Ausubel) American Bankruptcy Law Journal, Vol. 87, No. 1 (2013).