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Jel Classification:K40 

Working Paper
Growing Up without Finance

Early-life exposure to local financial institutions increases household financial inclusion and leads to long-term improvements in consumer credit outcomes. We identify the effect of local financial markets using congressional legislation that led to large and unintended differences in financial market development across Native American reservations. Individuals who grow up on financially underdeveloped reservations enter formal credit markets later than individuals from financially developed reservations and have persistently worse consumer credit outcomes (10 point lower credit scores and a ...
Working Papers (Old Series) , Paper 1704

Working Paper
The effect of changing employers’ access to criminal histories on ex-offenders’ labor market outcomes: evidence from the 2010–2012 Massachusetts CORI Reform

Many regard the 2010?2012 Massachusetts Criminal Offender Record Information (CORI)Reform as a national model to improve ex-offenders? labor market outcomes. This reform prohibits most employers from inquiring about an individual?s criminal history on the initial job application (the ?ban the box? reform), and reduces employers? access to an applicant?s criminal record (the record-access reform). Using the CORI Reform as a natural experiment and a unique large confidential dataset linking individuals? CORI records with their unemployment insurance quarterly wage records, we examine the impact ...
Working Papers , Paper 16-30

Working Paper
Does changing employers’ access to criminal histories affect ex-offenders’ recidivism?: evidence from the 2010–2012 Massachusetts CORI Reform

This paper examines how changes in employers? access to job applicants? criminal histories affect ex-offender recidivism. We use extensive state administrative data on individual criminal histories spanning the 2010?2012 Massachusetts Criminal Offender Record Information (CORI) Reform, widely regarded as landmark legislation governing access to individuals? criminal information. The CORI Reform: i) banned inquiring about criminal history on initial job applications, and ii) broadened the list of groups eligible to use the state?s criminal records repository while simultaneously restricting ...
Working Papers , Paper 16-31

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