State-level payday loan bans and preterm births in the US, 2000 to 2019.

IF 4.7 2区医学 Q1 PUBLIC, ENVIRONMENTAL & OCCUPATIONAL HEALTH

Epidemiology Pub Date : 2025-04-08 DOI:10.1097/EDE.0000000000001865

Samantha Gailey, Tim Bruckner, Rania Badran, Parvati Singh

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引用次数: 0

Abstract

Background: Payday loans refer to high-interest, short-term loans. These loans can provide immediate financial relief for individuals with limited access to traditional credit. However, the predatory nature of payday loans may portend increased financial strain and adverse public health consequences.

Methods: We examine whether state-level temporal variation in payday loan restrictions over a 20-year period (2000-2019) corresponds with a reduction in preterm births: a leading cause of infant mortality in the US. Between 2000 and 2019, 10 US states and the District of Columbia imposed restrictions on payday lending at varied time points. We use data on preterm births provided by the CDC Wonder database (2000-2019) and apply staggered difference-in-difference and event study approaches to examine whether preterm births (per 100 live births) declined among states that imposed payday lending restrictions, relative to states that never imposed restrictions. We also control for state-specific time propensity of preterm births, derived through time-series analysis.

Results: Results indicate a decline in the preterm births by approximately 0.22 per 100 live births (95% CI: -0.31, -0.13) within the first 3 years of payday loan restrictions, which corresponds to more than 4512 fewer than expected preterm births.

Conclusion: Our findings are consistent with the hypothesis that state-level payday lending restrictions may precede a reduction in preterm births.

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背景：发薪日贷款是指高息短期贷款。这些贷款可以为那些难以获得传统信贷的个人提供即时的经济救助。然而，发薪日贷款的掠夺性本质可能预示着经济压力的增加和不利的公共健康后果：我们研究了 20 年间（2000-2019 年）发薪日贷款限制在州一级的时间变化是否与早产（美国婴儿死亡的主要原因）的减少相对应。2000 年至 2019 年间，美国 10 个州和哥伦比亚特区在不同的时间点对发薪日贷款实施了限制。我们使用美国疾病预防控制中心 Wonder 数据库提供的早产儿数据（2000-2019 年），并采用交错差分法和事件研究法，考察实施发薪日贷款限制的各州与从未实施限制的各州相比，早产儿（每 100 例活产）是否减少。我们还控制了通过时间序列分析得出的各州特定的早产时间倾向：结果表明，在限制发薪日贷款的头 3 年内，每 100 例活产中的早产儿减少了约 0.22 例（95% CI：-0.31, -0.13），这相当于比预期的早产儿减少了 4512 例：我们的研究结果与州一级的发薪日贷款限制措施可能先于早产减少的假设一致。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Epidemiology 医学-公共卫生、环境卫生与职业卫生

CiteScore

6.70

自引率

3.70%

发文量

177

审稿时长

6-12 weeks

期刊介绍： Epidemiology publishes original research from all fields of epidemiology. The journal also welcomes review articles and meta-analyses, novel hypotheses, descriptions and applications of new methods, and discussions of research theory or public health policy. We give special consideration to papers from developing countries.