Manisha Padi studies the law and economics of consumer financial contracts.
Specifically, she is interested in how the legal treatment of individuals’ granular transactions have an aggregate impact on consumer welfare, financial institutions, and the economy as a whole. Her work uses empirical methods to evaluate the role of regulation on consumers. She focuses broadly on two areas – mortgage regulation and retirement policy.
Her working papers include projects on the effect of consumer protection law on homeowners and mortgage lenders, the role of firm private information in the exercise of contract rights, the effect of fiduciary duty on the sale of annuities and the role of Social Security design in implicitly regulating the annuity market.
J.D., Yale Law School
Ph.D., Economics, Massachusetts Institute of Technology