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a borrower is considered to surface in the post-period if she or he takes any loan in post-period Without demographic facts it is hard to evaluate changes in composition. Desk 6 tries to control practical question by inquiring how many times customers who were repeat consumers prior to the legislation modification can be found in the info after the law modification. Clients are broken down in accordance with whether their pre-period loans triggered indebtedness a higher or modest amount of the time than ended up being the average for several pre-period borrowers. Obviously, repeat consumers are more likely to come in the post-period whatever the regulatory planet, so comparable numbers include computed for consumers in other claims in order to get a baseline. The rightmost line presents od...