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					                                                    PAIGE MARTA SKIBA
                                              Vanderbilt University Law School
                                                   131 21st Avenue South
                                                    Nashville, TN 37203
                                                       615.322.1435
                                                paige.skiba@vanderbilt.edu
                                              http://law.vanderbilt.edu/skiba




RESEARCH AND TEACHING INTERESTS

           Behavioral economics, law and economics, consumer finance, applied microeconomics, personal bankruptcy

EMPLOYMENT

           Assistant Professor of Law, Vanderbilt University                            2007-present

           Visiting Scholar, Institute for Research on Labor and Employment,            Spring 2009
                    University of California, Berkeley

EDUCATION

           Ph.D., Economics, University of California, Berkeley                         2007
                   Dissertation: “Behavior in High-Interest Credit Markets”
                   Principal Advisor: Professor Matthew Rabin

           B.A, Economics, University of Massachusetts, Amherst                         1999

AWARDS AND GRANTS

           Alfred P. Sloan Foundation Behavioral Consumer Finance Grant
           National Science Foundation Dissertation Grant
           National Institute on Aging Grant
           Burch Center for Tax Policy and Public Finance Fellowship
           Horowitz Foundation for Social Policy Grant
           University of California, Berkeley Department of Economics Fellowship
           Phi Beta Kappa, University of Massachusetts, Amherst
           Varsity Women’s Lacrosse Scholarship, University of Massachusetts, Amherst

TEACHING

           Behavioral Law and Economics (Ph.D.), Vanderbilt University
           Behavioral Law and Economics (J.D.), Vanderbilt University Law School
           Intermediate Microeconomics, Teaching Assistant, UC Berkeley
           Undergraduate Behavioral Economics, Teaching Assistant, UC Berkeley
           Intermediate Macroeconomics, Teaching Assistant, UC Berkeley
                                                                                                April 2010 | Page 1 of 4
                                                   PAIGE MARTA SKIBA
PUBLISHED ARTICLES

     “Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?” with Sumit Agarwal and Jeremy Tobacman,
      American Economic Review Papers and Proceedings, May 2009.
      http://www.aeaweb.org/articles.php?doi=10.1257/aer.99.2.412

WORKS IN PROGRESS

1) “The Ticket to Easy Street? The Financial Consequences of Winning the Lottery” with Scott Hankins and Mark Hoekstra.

             Accepted to Review of Economics and Statistics
             Featured in New York Times

2)   “Pecuniary Mistakes? Payday Borrowing by Credit Union Members” with Susan Carter and Jeremy Tobacman.
     Forthcoming in Financial Literacy: Implications for Retirement Security and the Financial Marketplace, eds. Olivia
     Mitchel and Annamaria Lusardi, 2010.

3) “Do Payday Loans Cause Bankruptcy?” with Jeremy Tobacman

             Featured in the Tennessean January 17, 2009

4) “Race, Gender and Political Ideology in Personal Bankruptcy Outcomes” with Sumit Agarwal, Souphala Chomsisengphet
   and Robert McMenamin.

5) “Payday Loans, Uncertainty and Discounting: Explaining Patterns of Borrowing, Repayment, and Default” with
   Jeremy Tobacman.

             Cited in Seventh Circuit decision
             Featured in the New York Times January 18, 2009

6) “21st Century Pawnbroking”

7) “Check Cashing: Time Preferences, Income Variability and Rationality among the Unbanked” with Susan Carter.

8)   “The Profitability of Payday Loans” with Jeremy Tobacman.

             Featured in LA Times December 24, 2008

9) “Financial Smoking Guns: High-Frequency Links between Transactions and Crime” with Sumit Agarwal and Jeremy
   Tobacman.

10) “Alleviating a Financial Crunch? The Effect of the 2001 Tax Rebates on Crime” with Jeremy Tobacman.

11) “The Impact of Consumer Spending Dynamics and Debt on Bankruptcy Chapter Choice” with Sumit Agarwal.

12) “Do Bankrupt Households Lie about Debt and Assets?” with Sumit Agarwal.

13) “The Effect of Tax Credits on Subprime Borrowing: Evidence from Pawnshops and Payday Borrowing” with Sumit
    Agarwal and Jeremy Tobacman.

                                                                                                       April 2010 | Page 2 of 4
                                                 PAIGE MARTA SKIBA
INVITED PRESENTATIONS AND CONFERENCES

   2010
   American Law and Economics Conference, Princeton University
   NYU Stern Paduano Seminar in Business Ethics
   Washington University Law School Faculty Workshop
   University of Chicago Law and Economics Workshop
   NYU Law and Economics Workshop
   American Economic Association Annual Meeting, Atlanta, GA
   Law & Finance Workshop and Lecture, ETH Zurich, University of Zurich and University of St. Gallen

   2009
   Conference on Empirical Legal Studies USC, (Discussant)
   National Bureau of Economics Research Summer Institute in Law and Economics, Cambridge, MA
   Joint Harvard-UT Austin Conference on Reality in Commercial Law, UT Austin
   Economics Department, Cornell University
   Department of Economics, UC Santa Cruz
   Graduate School of Management, UC Davis
   Department of Economics, UC Santa Barbara
   UC Davis Law School
   American Economic Association Annual Meeting, San Francisco, CA
   Federal Reserve Bank of Boston

   2008
   Wharton School, Department of Business and Public Policy, University of Pennsylvania
   Arizona State University, Sandra Day O’Connor College of Law
   Law, Economics & Organization Workshop, USC Law School
   Conference on Empirical Legal Studies, Cornell Law School
   Gruter Institute for Law and Behavioral Research, Squaw Valley CA Conference
   Center for Behavioral Decision Research, Carnegie Mellon University
   Department of Economics, Vanderbilt University
   Guest Blogger: Credit Slips
   Northwestern Law School Faculty Workshop
   Joint Harvard-UT Austin Conference on Reality in Commercial Law, Harvard University
   Law and Economics of Consumer Credit Conference, University of Virginia School of Law
   American Economic Association Annual Meeting, New Orleans

   2007
   Payday and Predatory Lending Conference, Federal Reserve Bank of Cleveland
   Recent Developments in Consumer Credit and Payments Conference, Federal Reserve Bank of Philadelphia
   Judgment and Decision Making Annual Meeting, Houston, TX

   2006
   Psychology and Economics Seminar, University of California, Berkeley
   Goldman School of Public Policy Seminar, University of California, Berkeley
   RAND Corporation, Santa Monica, CA
   Labor Lunch, University of California, Berkeley

   2005
   Federal Reserve Board of Governors, Washington DC
   Yale School of Management Conference on Behavioral Approaches to Finance
   Department of Economics, University of Copenhagen
                                                                                                   April 2010 | Page 3 of 4
                                                  PAIGE MARTA SKIBA

SERVICE

           PhD Students Advised:
                  Rosa Ferrer (first faculty appointment at Universitat Pompeu Fabra, 2009)
                  Brian Essex (Vanderbilt Psychology Department)
           Vanderbilt Law School Faculty Appointments Committee (2008-2009)
           Vanderbilt Law and Economics Program Appointments Committee (2009)

ORGANIZED CONFERENCE SESSIONS

           2010    American Economic Association Annual Meeting
                   “Personal Bankruptcy and Home Foreclosure”

           2009   American Economic Association Annual Meeting
                  “Rationality in Consumer Credit Markets”
                  “Law and Economics of Crime”
                  “Lotteries and Gambling”

PAST EMPLOYMENT

           2002-2004, 2006         Research Assistant, Professor Matthew Rabin
           2002                    Research Assistant, Professor Aaron Edlin
           2002                    Research Assistant, Professor Robert MacCoun
           1999-2001               Senior Research Associate, Federal Reserve Bank of Saint Louis



PROFESSIONAL AFFILIATIONS

           American Economic Association
           American Law and Economics Association
           Committee on the Status of Women in the Economics Profession
           Society for Empirical Legal Studies

PERSONAL

           Born: Ann Arbor, MI. November 22, 1977

           Interests: Lacrosse, Alpine Rock Climbing, Ice Climbing, Cary Grant




                                                                                                    April 2010 | Page 4 of 4

				
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