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title: "Information Asymmetries in Consumer Credit Markets: Evidence from Payday Lending"
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[Will Dobbie; Paige Marta Skiba (2013)](https://doi.org/10.1257/app.5.4.256). *American Economic Journal: Applied Economics*.

**Under development — community extension.** This is a provisional source-design assessment, not a new successful replication or a final eligibility ruling.

[Extension index](development.html) · [Provisional eligibility log](development.html#eligibility-log) · [Assessment JSON](aeraej-116.json) · [QMD](aeraej-116.qmd) · [Reproduction code](collection-code.zip)

## Source design and template applicability

The source uses RD/RK and IV variation to instrument continuous loan_amount, including a DiD-style instrument in Appendix Table 1. The loan-level analysis_file.dta is absent; an IV interaction is not an observational binary-treatment ATT.

No DiD estimates, uncertainty intervals or homogeneity-test decision were computed in this tranche. No point is added to the calibration plots. This is not a zero effect or a failed statistical test.

## Recorded treatment-column measurement

**Data unavailable.**

The payday-lender analysis_file.dta is not deposited; package contains code and benchmark summaries, not treatment observations.

These are the existing data-measured counts, not counts inferred from design labels. A binary instrument, group indicator or interaction component need not be the treatment of interest; the source-design assessment above takes precedence for template applicability.

## Replication status

**This tranche:** unsupported design; source code/documentation inspected, no estimator run.

**Supplied library:** unable_to_replicate; verification: no scalar DiD target; preparation: needs_restricted_data. These are the library’s labels, not new verification claims. Missing data and unsupported designs are separate issues.

## Evidence and provenance

The following files in the supplied library were inspected. Their SHA-256 digests are recorded in the downloadable assessment JSON. Source archives and microdata are not redistributed.

- `AEJ-Applied/Dobbie_Skiba_AEJ-Applied_2013_116383/R/116_dobbie_skiba_figure.R` (123 lines)
- `AEJ-Applied/Dobbie_Skiba_AEJ-Applied_2013_116383/R/116_dobbie_skiba_replicate.R` (177 lines)
- `AEJ-Applied/Dobbie_Skiba_AEJ-Applied_2013_116383/verdict.md` (116 lines)
- `AEJ-Applied/Dobbie_Skiba_AEJ-Applied_2013_116383/aeraej-116.md` (135 lines)