Montana State University


Carly Urban

Department of Agricultural Economics and Economics

Montana State University
P.O. Box 172920
Bozeman, MT 59717-2920

Tel: (406) 994-2005
Fax: (406) 994-4838
Location: 208 Linfield Hall


                                Carly Urban's Research

Published and Forthcoming Papers

Negative Advertising and Political Competition(with Amit Gandhi and Daniela Iorio)

Demographic Data Sources: here

Conditionally Accepted at the Journal of Law, Economics, and Organization

Local Economic Growth from Primary Election Spending (with Rebecca Lessem)

Colorado Public Radio Interrview here

Accepted at The Economic Journal

Mortgage Loan Modifications and Differential Outcomes by Race (with J. Michael Collins and Carolina Reid)

Accepted at Cityscape: A Journal of Policy Development and Research

The Dark Side of Sunshine: Regulatory Oversight and the Status Quo Bias (with J. Michael Collins)

Journal of Economics, Behavior, and Organization, November 2014, 107-B: 470-486

Mandatory Mediation and the Renegotiation of Mortgage Contracts(with J. Michael Collins)

Forthcoming at The Economic Journal

Is Smoking Inferior? Evidence from Variation in the Earned Income Tax Credit (with Donald Kenkel and Maximilian Schmeiser)

Vox article here

Journal of Human Resources, October 2014, 49:1094-1120

Dollars on the Sidewalk: Should U.S. Presidential Candidates Advertise in Uncontested States?  (with Sarah Niebler)

American Journal of Political Science, April 2014, 58:2, 322-336

Protecting Homeowners: Foreclosure Counseling Policies and Modifications of Mortgage Terms (with J. Michael Collins and Maximilian Schmeiser)

Journal of Consumer Affairs, July 2013, 47:2289–310

Working Papers

Does Primary Divisiveness Affect the General Election? Evidence from Campaign Contributions   (with Sarah Niebler)

This Version: November 2014, Revision Requested at the Journal of Public Economics

When the Cat's Away: Payment Behavior During a Foreclosure Moratorium (with J. Michael Collins)

This Version: January 2015, Under Review

Servicer Heterogeneity: Do Servicing Practices Influence Loan Cure Rates? (with Carolina Reid and J. Michael Collins)

This Version: August 2014, Revision Requested at Housing Policy Debate

State Financial Education Mandates and the Credit Behavior of Young Adults (with Alexandra Brown, J. Michael Collins and Maximillian Schmesier) Supplemental Information here

Press Coverage: TIME, NY Daily News, Business Wire, Market Watch, Albuquerque Business First, Wall Street Journal, Huffington Post,, Montana State University Press Release

FINRA Investor Education Foundation issue brief here

This Version: August 2014, Under Review

The Demography of Credit: Doubling up and Household Credit (with Alexandra Brown, J. Michael Collins and Maximillian Schmesier)

This Version: May 2015, Under Review

Student Laons and College Performance (with Maximillian Schmesier and Christiana Stoddard)

This Version: May 2015, Under Review

Work in Progress

What does Advertising do? Evidence from Political Price Shifters (with Kenneth Goldstein)

Salient Student Loan Information Affects College Students' Behavior (with Christiana Stoddard and Maximilian Schmeiser)



Financial Education Graduation Requirements by State and Year (1970-2014) in STATA .csv or SAS format