Fixed: Why Personal Finance is Broken and How to Make it Work for Everyone
by John Y. Campbell and Tarun Ramadorai · 25 Jul 2025
short-term credit often charge additional fees that drive the cost of credit significantly above the APR for many borrowers. Credit cards, for example, charge late fees if minimum payments are not made. The US Consumer Financial Protection Bureau estimates that in 2020 credit card fees added about 1% to the credit
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debt (“balance matching”).42 Some people pay off small debts first, to have the satisfaction of reducing the number of creditors. Some people even incur late fees on a credit card by failing to make the minimum payment, while making payments on another card that would be sufficient to avoid the
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a collapse in the supply of credit to small borrowers. A more recent version of this strategy is to cap fees such as credit card late fees or bank overdraft charges, which are easy for consumers to overlook when they sign up for credit cards or bank accounts. The Biden administration called
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cap fees, particularly those that consumers find hard to understand and anticipate. In 2024, for example, the US Consumer Financial Protection Bureau capped credit card late fees, lowering the typical fee from $32 to $8, and proposed a cap on bank overdraft charges that would reduce the typical charge (previously $35) by
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that charges borrowers in proportion to the amount of their borrowing; but there should not be fees like bank overdraft transactions charges or credit card late fees that impose substantial penalties for small increases in debt or small delays in payments. As we discussed in the last chapter, costs should be disclosed
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/the-reform-to-increase-information-transparency-and-competition-in-mortgages/, accessed March 20, 2025. 58. See Consumer Financial Protection Bureau, “CFPB bans excessive credit card late fees, lowers typical fee from $32 to $8,” March 5, 2024, https://www.consumerfinance.gov/about-us/newsroom/cfpb-bans-excessive-credit-card
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-late-fees-lowers-typical-fee-from-32-to-8/; and “CFPB proposes rule to close bank overdraft loophole that costs Americans billions each year in junk fees,”
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/about-us/newsroom/cfpb-proposes-rule-to-close-bank-overdraft-loophole-that-costs-americans-billions-each-year-in-junk-fees/. The reduction in credit card late fees was blocked in court in 2024, and these and other CFPB policies are likely to be reversed in the second Trump administration. See Marco Di
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lenders, 92; complaints received about reverse mortgages, 174–175; complaints received about student loan system, 107–108; credit card fees and, 92, 307n18; credit card late fees and, 225; overdraft fees and, 93; on shopping for mortgage, 115–116; starter kit for finance and, 235–237; on take up of reverse mortgages
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, 271n8 Keogh accounts, 297n7 Kiyosaki, Robert, 265n6 Klarna, 182 Lake Wobegon, 137 lapsation problem, insurance and, 54–55, 61, 145–147 large language models, 180 late fees, credit card, 92, 94–95, 207, 312n58 lawsuits, approved financial products and protection from, 217 learning from others, danger of, 45–47 Lee, Bruce, 234
The Age of Extraction: How Tech Platforms Conquered the Economy and Threaten Our Future Prosperity
by Tim Wu · 4 Nov 2025 · 246pp · 65,143 words
Homes turned the charging of fees into an art form. In addition to the usual application fees that are charged to prospective renters, they charged late fees ($95),[26] termination fees, and turnover fees. One innovation was a mandatory “utility management fee,” which was later morphed into a “Lease Easy Bundle” fee
Life After Cars: Freeing Ourselves From the Tyranny of the Automobile
by Sarah Goodyear, Doug Gordon and Aaron Naparstek · 21 Oct 2025 · 330pp · 85,349 words
traffic violations and rack up their fines. And so the problems with…unequal justice, and poor people not being able to pay their fines, and late fees and fees for not appearing in court—all of that begins with traffic violations.” Each one of those traffic stops also comes with tremendous risk
Why Nudge?: The Politics of Libertarian Paternalism
by Cass R. Sunstein · 25 Mar 2014 · 168pp · 46,194 words
multiple disclosure requirements in the 2009 Credit Card Accountability Responsibility and Disclosure (CARD) Act, which are designed to ensure that cardholders are not surprised by late fees and overuse fees. Small nudges, informing people of the costs of such fees in advance, have contributed to annual savings, as a result of the
Evil by Design: Interaction Design to Lead Us Into Temptation
by Chris Nodder · 4 Jun 2013 · 254pp · 79,052 words
activity, allowing people to feel OK about doing it because they paid for it. Ariely’s example is parents who were happy to pay a late fee for leaving their kids in daycare too long. It would be interesting to see whether GymPact has users who behave the same way, seeing payment
What Algorithms Want: Imagination in the Age of Computing
by Ed Finn · 10 Mar 2017 · 285pp · 86,853 words
rentals—and revolutionized it by creating a set of incremental advantages over its competitors. These perks were deeply appealing to consumers. Instead of paying expensive late fees to their local retail store, Netflix allowed customers to hang onto their copy of Titanic as long as they pleased for a fixed monthly subscription
The fortune at the bottom of the pyramid
by C. K. Prahalad · 15 Jan 2005 · 423pp · 149,033 words
’t turn in his or her payment portion on time, the group as a whole will pay a late fee of an additional 50 percent (60 pesos) per late socio. Not only is there a late-fee penalty, but the delivery for the entire group is delayed by one week as well. This also
Nudge: Improving Decisions About Health, Wealth, and Happiness
by Richard H. Thaler and Cass R. Sunstein · 7 Apr 2008 · 304pp · 22,886 words
. Imagine the wakeup call for a credit card user who is told that over the past year he paid $2,153 in interest, $247 in late fees, and $57 in currency transaction fees. Some other nudges could help as well. For example, credit cards always mention the minimum payment you can make
Interlibrary Loan Practices Handbook
by Cherie L. Weible and Karen L. Janke · 15 Apr 2011 · 144pp · 55,142 words
will inevitably be items that are returned past the due date. Each borrowing library must formulate its position on overdue materials and decide whether a late fee should be charged to patrons for overdue interlibrary loan items. Some libraries take the position that fees are difficult to collect and manage. Other libraries
Big Business: A Love Letter to an American Anti-Hero
by Tyler Cowen · 8 Apr 2019 · 297pp · 84,009 words
tax refunds obtained more quickly, and if need be your tax procrastination can run until the very last moment without your having to pay a late fee or penalty. More recently, Bitcoin has created an entirely new kind of asset, based on principles that only a decade ago very few people had
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The End of Growth: Adapting to Our New Economic Reality
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Blitzscaling: The Lightning-Fast Path to Building Massively Valuable Companies
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Filterworld: How Algorithms Flattened Culture
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The Impulse Society: America in the Age of Instant Gratification
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