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Emily Williams
2024, Paper: "This paper explores the impact of financial technology (fintech) on financial in clusion, focusing on the cost of accessing essential financial services as a metric…
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Emily Williams
April 2021, Paper: "We examine the effects of the Mortgage Electronic Registration System, or MERS, on mortgage origination volumes and foreclosure rates prior to the …
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Marco Di Maggio, Emily Williams
December 9, 2020, Paper: "The reordering of transactions from “high-to-low” is a controversial bank practice thought to maximize fees paid by low-income customers on overdrawn…