J. Michael Collins

University of Wisconsin - Madison

Professor

United States

Follette School of Public Affairs

1180 Observatory Drive

Madison, WI 53706-1393

United States

  • University of Wisconsin - Madison

  • Follette School of Public Affairs

SCHOLARLY PAPERS

29

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5,563

SSRN CITATIONS
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Top 11,239

in Total Papers Citations

51

CROSSREF CITATIONS

55

Scholarly Papers (29)

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1.

Financial Advice: A Substitute for Financial Literacy?

Financial Services Review, Vol. 21, No. 4, 307-322
Number of pages: 16 Posted: 26 Apr 2012 Last Revised: 05 Feb 2014
J. Michael Collins
University of Wisconsin - Madison
Downloads 693 (44,219)
Citation 52

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Financial planning, Financial capability

2.

State Mandated Financial Education and the Credit Behavior of Young Adults

Downloads 654 ( 47,795)
Citation 10

State Mandated Financial Education and the Credit Behavior of Young Adults

FEDS Working Paper No. 2014-68
Number of pages: 42 Posted: 21 Feb 2015
Alexandra Brown, J. Michael Collins, Maximilian D. Schmeiser and Carly Urban
Board of Governors of the Federal Reserve System, University of Wisconsin - Madison, Amazon Lending and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 433 (79,280)
Citation 10

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Financial literacy, financial education, credit score, delinquency

State Mandated Financial Education and the Credit Behavior of Young Adults

Divisions of Research & Statistics and Monetary Affairs Federal Reserve Board, Washington, D.C., Finance and Economics Discussion Series No. 2014-68
Number of pages: 42 Posted: 15 Sep 2014
Alexandra Brown, J. Michael Collins, Maximilian D. Schmeiser and Carly Urban
Board of Governors of the Federal Reserve System, University of Wisconsin - Madison, Amazon Lending and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 221 (164,284)
Citation 5

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financial literacy, financial education, personal finance, synthetic controls

3.

Financial Education and Counseling — Still Holding Promise

Journal of Consumer Affairs, 44(3), 483-498.
Number of pages: 16 Posted: 30 Dec 2009 Last Revised: 05 Feb 2014
J. Michael Collins and Collin O'Rourke
University of Wisconsin - Madison and University of Wisconsin - Madison
Downloads 606 (52,806)
Citation 9

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financial education, homeownership counseling, credit counseling, bankruptcy education and counseling

4.

Aging in Place: Analyzing the Use of Reverse Mortgages to Preserve Independent Living Summary Report of Survey Results

Number of pages: 90 Posted: 19 Mar 2016 Last Revised: 06 May 2016
Stephanie Moulton, Cäzilia Loibl, Donald R. Haurin, J. Michael Collins, Stephen Roll, Olga Kondratjeva and Wei Shi
Ohio State University- John Glenn College of Public Affairs, The Ohio State University - Department of Human Sciences, Ohio State University (OSU) - Economics, University of Wisconsin - Madison, Washington University in St. Louis, John Glenn College of Public Affairs and Ohio State University (OSU) - Economics
Downloads 475 (71,602)
Citation 3

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reverse mortgage, home equity, retirement

5.

Homeownership Education and Counseling: Do We Know What Works?

Research Institute for Housing America Research Paper No. 1102
Number of pages: 52 Posted: 26 Apr 2011
J. Michael Collins and Collin O'Rourke
University of Wisconsin - Madison and University of Wisconsin - Madison
Downloads 305 (119,044)

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Counseling, Mortgage Performance, Homebuyer Education

6.

Household Debt and Adult Depressive Symptoms

Number of pages: 39 Posted: 16 Jan 2013
Lawrence M. Berger, J. Michael Collins and Laura Cuesta
University of Wisconsin-Madison, Institute for Research on Poverty and School of Soical Work, University of Wisconsin - Madison and University of Wisconsin-Madison, Institute for Research on Poverty and School of Social Work
Downloads 281 (130,192)
Citation 3

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CES-D, consumer debt, debt, depression, household debt, National Survey of Families and Households, psychological well-being

7.

Still Holding Out Promise: A Review of Financial Literacy Education and Financial Counseling Studies

Network Financial Institute: Working Paper Series: 2012-WP-02
Number of pages: 38 Posted: 22 Jun 2012
J. Michael Collins and Collin O'Rourke
University of Wisconsin - Madison and University of Wisconsin - Madison
Downloads 270 (135,215)

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8.

Improving Financial Literacy: The Role of Nonprofit Providers

Pension Research Council WP 2010-39
Number of pages: 33 Posted: 13 Nov 2010
J. Michael Collins
University of Wisconsin - Madison
Downloads 268 (136,278)
Citation 2

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organizations, financial literacy, nonprofit, counseling, education, retirement, public, credit

9.

Who Receives a Mortgage Modification? Race and Income Differentials in Loan Workouts

Number of pages: 25 Posted: 20 Jan 2011
J. Michael Collins and Carolina Reid
University of Wisconsin - Madison and University of California, Berkeley
Downloads 249 (146,720)
Citation 5

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Mortgage Default and Foreclosure, Housing Policy, Loan Modifications

10.

State Mortgage Foreclosure Policies and Lender Interventions: Impacts on Borrower Behavior in Default

Journal of Policy Analysis and Management, 30(2), 216-232
Number of pages: 20 Posted: 12 Nov 2009 Last Revised: 05 Feb 2014
J. Michael Collins, Ken Lam and Christopher E. Herbert
University of Wisconsin - Madison, Abt Associates, Inc. and Harvard University - Joint Center for Housing Studies
Downloads 241 (151,445)
Citation 8

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Mortgage Default, Foreclosure Counseling Evaluation, State Foreclosure Laws

11.

Educating the Experts: Online Financial Education for Credit Union Employees

Number of pages: 27 Posted: 14 Mar 2011 Last Revised: 04 Apr 2011
J. Michael Collins and Deanna Dietrich
University of Wisconsin - Madison and University of Wisconsin - Madison
Downloads 232 (157,157)
Citation 1

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Financial Education, Financial Literacy

12.

The Impacts of Mandatory Financial Education: Evidence from a Randomized Field Study

Journal of Economic Behavior and Organization, Vol. 95, 2013
Number of pages: 13 Posted: 03 Aug 2010 Last Revised: 06 Feb 2014
J. Michael Collins
University of Wisconsin - Madison
Downloads 215 (168,902)
Citation 15

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Financial education, Asset accumulation, Financial security

13.

Estimating the Effects of Foreclosure Counseling for Troubled Borrowers

Downloads 162 (217,403)
Citation 2

Estimating the Effects of Foreclosure Counseling for Troubled Borrowers

Number of pages: 42 Posted: 20 Jul 2010
J. Michael Collins and Maximilian D. Schmeiser
University of Wisconsin - Madison and Amazon Lending
Downloads 112 (291,061)
Citation 1

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counseling, foreclosure, mortgage default

Estimating the Effects of Foreclosure Counseling for Troubled Borrowers

Number of pages: 43 Posted: 03 Sep 2010
J. Michael Collins and Maximilian D. Schmeiser
University of Wisconsin - Madison and Amazon Lending
Downloads 50 (463,632)
Citation 1

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14.

Mandatory Mediation Laws and the Renegotiation of Mortgage Contracts

Number of pages: 37 Posted: 27 Aug 2011 Last Revised: 05 Feb 2014
J. Michael Collins and Carly Urban
University of Wisconsin - Madison and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 141 (243,680)

Abstract:

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mortgage foreclosure, mediation

15.

The Effects of the Real Estate Bust on Renter Perceptions of Homeownership

Number of pages: 39 Posted: 14 Mar 2010
J. Michael Collins and Laura Choi
University of Wisconsin - Madison and Federal Reserve Bank of San Francisco
Downloads 107 (298,984)
Citation 2

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homeownership, housing downturn, renters

16.

Mortgage Mistakes? Demographic Factors Associated with Problematic Loan Application Behaviors

Journal of Family and Economic Issues, 32(4), 586-599
Number of pages: 14 Posted: 17 Nov 2009 Last Revised: 06 Feb 2014
J. Michael Collins
University of Wisconsin - Madison
Downloads 89 (336,889)
Citation 1

Abstract:

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financial capability, financial education and counseling, mortgage application behavior

17.

The Impact of Prescription Drug Black Box Warnings on College Students’ Risk Perceptions and Information Processing

Number of pages: 32 Posted: 27 Feb 2010
J. Michael Collins and Maximilian D. Schmeiser
University of Wisconsin - Madison and Amazon Lending
Downloads 86 (344,244)

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Product Disclosure, Risk Perception

18.

A Framework for Developing and Testing Financial Capability Programs Targeted to Elementary Schools

Number of pages: 27 Posted: 26 Sep 2013
J. Michael Collins and Elizabeth R. Odders-White
University of Wisconsin - Madison and University of Wisconsin - Madison - Department of Finance, Investment and Banking
Downloads 78 (364,581)

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Financial capability, personal finance, elementary education

19.

You Could Lose Your Home: The Effects of State Policies Mandating Subprime Mortgage Risk Disclosures on Consumer Evaluations of Loan Offers

Number of pages: 55 Posted: 16 Nov 2009
J. Michael Collins
University of Wisconsin - Madison
Downloads 75 (372,914)

Abstract:

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mortgage disclosure, consumer policy, information disclosures

20.

Reminders to Pay Property Tax Payments: A Field Experiment of Older Adults with Reverse Mortgages

Number of pages: 27 Posted: 06 Sep 2019
Stephanie Moulton, J. Michael Collins, Cäzilia Loibl, Donald R. Haurin and Julia Brown
Ohio State University- John Glenn College of Public Affairs, University of Wisconsin - Madison, The Ohio State University - Department of Human Sciences, Ohio State University (OSU) - Economics and University of Maryland - Department of Economics
Downloads 66 (399,651)
Citation 2

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property taxes, seniors, reverse mortgages, reminders

21.

Protecting Minority Homeowners: Race, Foreclosure Counseling and Mortgage Modifications

Journal of Consumer Affairs, 47(2), 289-310.
Number of pages: 22 Posted: 24 Oct 2012 Last Revised: 06 Feb 2014
J. Michael Collins, Maximilian D. Schmeiser and Carly Urban
University of Wisconsin - Madison, Amazon Lending and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 66 (399,651)

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Mortgage Default and Foreclosure, Financial Counseling, Default Counseling, Mortgage Modification

22.

Extraneous Affect and Credit Card Offers

Number of pages: 44 Posted: 18 Dec 2009
J. Michael Collins and Alice M. Isen
University of Wisconsin - Madison and Cornell University - Samuel Curtis Johnson Graduate School of Management
Downloads 45 (476,122)

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affect and cognition, consumer disclosures, financial decision making

23.

Can Knowledge Empower Women to Save More for Retirement?

CRR WP 2017-12
Number of pages: 33 Posted: 02 Oct 2017
Drew Anderson and J. Michael Collins
RAND Corporation and University of Wisconsin - Madison
Downloads 43 (489,117)
Citation 1

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24.

The Assets and Liabilities of Cohorts: The Antecedents of Retirement Security

Michigan Retirement Research Center Research Paper No. 2013-296
Number of pages: 58 Posted: 11 Jan 2014
J. Michael Collins, John Karl Scholz and Ananth Seshadri
University of Wisconsin - Madison, University of Wisconsin - Madison - Department of Economics and University of Wisconsin - Madison - Department of Economics
Downloads 40 (498,059)
Citation 1

Abstract:

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reitrement security, Great Recession, debt

25.

Exploring the Rise of Mortgage Borrowing Among Older Americans

Downloads 31 (542,414)
Citation 1

Exploring the Rise of Mortgage Borrowing Among Older Americans

Number of pages: 44 Posted: 14 May 2018
J. Michael Collins, Erik Hembre and Carly Urban
University of Wisconsin - Madison, University of Illinois at Chicago - Department of Economics and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 31 (556,398)
Citation 1

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Exploring the Rise of Mortgage Borrowing Among Older Americans

Posted: 07 Nov 2019
J. Michael Collins, Erik Hembre and Carly Urban
University of Wisconsin - Madison, University of Illinois at Chicago - Department of Economics and Montana State University - Bozeman - Department of Agricultural Economics and Economics

Abstract:

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Household Economics, Consumer Debt, Personal Finance, Personal Savings, Retirement

26.

Pragmatic Field Experiments in Policy Research: The Case of a Pilot Program for Municipal Water Customers

Number of pages: 52 Posted: 26 Jun 2018
Stephanie Moulton, J. Michael Collins and Olga Kondratjeva
Ohio State University- John Glenn College of Public Affairs, University of Wisconsin - Madison and John Glenn College of Public Affairs
Downloads 27 (565,053)

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Randomized Control Trial, Field Experiment, Financial Capability

27.

Buying Consumption Smoothing: Saving for the Future by Buying Ahead

Number of pages: 48 Posted: 02 Dec 2020
J. Michael Collins and Amrita Kulka
University of Wisconsin - Madison and University of Wisconsin - Madison
Downloads 18 (623,917)

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Consumption. Spending, Liquidity

28.

The Role of Information on Retirement Planning: Evidence from a Field Study

Economic Inquiry, Vol. 54, Issue 4, pp. 1860-1872, 2016
Number of pages: 13 Posted: 31 Aug 2016
J. Michael Collins and Carly Urban
University of Wisconsin - Madison and Montana State University - Bozeman - Department of Agricultural Economics and Economics
Downloads 0 (775,401)
Citation 4
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29.

How Good is the GFE? How Truthful is the TILA? Comparing Mortgage Loan Disclosures to Settlement Documents

Housing Policy Debate, 21(4), 565-583.
Posted: 04 Mar 2010 Last Revised: 06 Feb 2014
J. Michael Collins
University of Wisconsin - Madison

Abstract:

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regulation, mortgages, banking, discrimination