Behaviorally informed policies for household financial decisionmaking

Behaviorally Informed Financial Services Regulation

Medicaid Consumers and Informed Decisionmaking

In 2006, Florida's Medicaid reform required some Medicaid consumers to enroll in health plans that differed in terms of cost-sharing requirements and benefit limitations. In focus groups we found enthusiasm among Medicaid consumers for having choices among health plans; however, enthusiasm did not translate into comparison shopping for health plans. Survey findings suggested that Medicaid consu...

Behaviorally Informed Home Mortgage Credit Regulation

Any opinions expressed are those of the author and not those of the Joint Center for Housing Studies of Harvard University or of any of the persons or organizations providing support to the Joint Center for Housing Studies.

Multiculturalism in medical decisionmaking: the notion of informed waiver.

Beginning with the proposition that the western medical tradition of emphasizing patient autonomy undermines a patient’s ability to limit his or her role in medical decision-making, the author of this student note proposes a model of informed waiver to counterbalance the perceived legal bias towards informed consent. Part I explains the western notion of patient autonomy in two distinct ways: f...

Behaviorally Informed Home Mortgage Credit Regulation Draft 4 / 15 / 2008

Choosing a mortgage is one of the biggest financial decisions an American consumer will make. Yet it can be a complicated one, especially in today’s environment where mortgages vary in dimensions and unique features. This complexity has raised regulatory issues. Should some features be regulated? Should product disclosure be regulated? And most basic of all, is there a rationale for regulation ...