"Over recent decades financial innovation has made available to consumers a wide range of financial and insurance products and instruments such as mortgages and credit cards. The study of how consumers use these - sometimes called 'household finance' - has become an important sub-field within economics, all the more so since the 'sub-prime' crisis in the United States during the early 2000s. There’s much to be learned about how sophisticated consumers are in their use financial products and what should be the proper role for regulation of consumer credit and debt."
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