معرفی
Tom Miller Jr., PhD is a Professor of Finance and the Jack R. Lee Chair of Financial Institutions and Consumer Finance at Mississippi State University's College of Business. His research focuses on consumer finance regulation, interest rate caps, small-dollar loans, and the economic impacts of financial policies. He holds a PhD in Finance from the University of Washington (1992), an MS in Economics from Montana State University (1979), and a BS in Economics from Montana State University (1977).
His work critiques state-level interest rate caps, arguing they restrict consumer access to credit. Notable publications include analyses of Illinois and Arkansas rate caps, studies on payday loan alternatives, and critiques of federal consumer protection policies. He frequently presents to legislative bodies, financial regulators, and academic conferences on topics like credit access and regulatory reform.
Miller has authored textbooks such as *Fundamentals of Investments*, contributed to policy reports with the Mercatus Center, and written opinion pieces in outlets like *The Wall Street Journal* and *The Hill*. His research often bridges academic inquiry with practical policy implications, advocating for evidence-based approaches to financial regulation.
