This paper introduces a technique for mobility dominance and compares the degree of earnings mobility of men in the USA from

The Consumer Financial Protection Bureau (CFPB) has authority over several consumer financial protection laws that include mandatory disclosures to provide consumers with the information needed to make financial decisions. Mandatory disclosure is a common regulatory tool that presents opportunities to support consumers in their decision making; however, many aspects of disclosure effectiveness remain understudied. The CFPB is committed to studying mandatory disclosure to better inform policy makers about whether and how best to use disclosures to achieve policy goals. This research effort focuses on three primary areas: (1) identifying how the dimensions of a disclosure influence its efficacy; (2) examining how different methodologies should best be deployed for disclosure testing; and (3) studying the market effects of mandatory disclosures, particularly through firms’ responses. The CFPB will use a range of methodologies for this research, including qualitative and quantitative testing of disclosures, laboratory studies, field trials, survey research, and administrative data analysis. The authors hope that identifying these critical questions will encourage the academic community to contribute policy-relevant research.

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Antitrust, Consumer protection, Credit scores, FTC, Insurance, Mergers, Mortgage disclosures, Race and ethnicity, Resale price maintenance,