College of Business Mississippi State University

Faculty & Staff

 Thomas W. Miller, Jr., Ph.D.
  • Thomas W. Miller, Jr., Ph.D.
  • Professor of Finance
  • Jack R. Lee Chair of Financial Institutions and Consumer Finance
  • twm75@msstate.edu
  • 310-i
  • Office: 662.325.1997
  • Department: 662.325.2341
  • www.tommillerjr.com

Education

  • Ph.D., University of Washington, B.A./Finance
  • MS, Montana State University, Economics
  • BS, Montana State University, Economics

Recent Publications

2016
  • "Examining Arguments Made by Interest Rate Cap Advocates Reframing Financial Regulation: Enhancing Stability and Protecting Consumers", , 2016.
2015
  • "Differences in Consumer Credit Choices Made by Banked and Unbanked Mississippians", Journal of Law, Economics, and Policy, 2015.
2014
  • "Trophy Man: A Junior Golfer's Inside Out Guide for Building Their Own Success Story", with , , 2014.
  • "Fundamentals of Investments, 7th Edition", McGraw-Hill, 2014, vol. 7th edition, p 700.
2013
  • "An Intra-Week Efficiency Analysis of Bookie-Quoted NFL Betting Lines in NYC ", Journal of Empirical Finance, 2013, vol. 24, no. December 2013, p 10-23.
  • "Castles Made of Sand: An Inside Out Guide to Parenting Junior Golfers", Publisher, 2013.

Recent Presentations

2017
  • "Careers in Finance", Municipal Forum of New York's Urban Leadership Fellows, Washington, DC, 2017.
  • "Financial Economics and Valuation", Advanced Economics Institute for Judges, Park City, UT, 2017.
  • "Access to Being a Leader", Tower Loan University, Starkville, MS, 2017.
2016
  • "Some Consequences of the Binding Interest Rate Cap in the State of Arkansas", Consumer Credit Symposium, Starkville, MS, 2016.
  • "Financial Economics", Twelfth Annual Meeting of the American College of Business Court Judges, Atlanta, GA, 2016.
  • "The Effects of a 36 Percent APR Cap on Borrowers Who Use Small Dollar Loans", American Legislative Economic Council Conference, Indianapolis, IN, 2016.
  • "Careers in Finance", Municipal Forum of New York's Urban Leadership Fellows, Washington, DC, 2016.
  • "Toldays Effects of a 36 Percent APR Cap", Joint State Government Affairs and Legal Issues Forum, Minneapolis, MS, 2016.
  • "The Current Regulatory Environment", National Installment Lenders Association Conference, Washington, DC, 2016.
  • "Recent Research on the Economics of Consumer Credit and its Regulation", Sixth Annual Public Policy Institute of Financial Services Regulation, Arlington, VA, 2016.
  • "Reflections on the 100th Anniversary of the Uniform Small Loan Law", Sixth Annual Public Policy Institute on Financial Services Regulation, Arlington, VA, 2016.
  • "Free Markets Lessons From the Small Dollar Loan Space", On the Horizon, nonPrime 101, Tampa, FL, 2016.
  • "The Small Dollar Loan Landscape", Financial Markets Regulation Symposium, San Francisco, CA, 2016.
  • "Access to Being a Leader", Tower Loan University, Starkville, MS, 2016.
  • "The Small Dollar Loan Landscape", Financial Markets Regulation, San Francisco, CA, 2016.
2015
  • "Is 36% APR Truly Effective Legislation?", National Black Caucus of State Legislators, Los Angeles, CA, 2015.
  • "Leadership", Tower Loan Leadership Summit, Jackson, MS, 2015.
  • "The Consequences of the Constitutional Interest Rate Cap in the State of Arkansas", Cato Institute, Washington DC, Washington, DC, 2015.
  • "Small Dollar Loan Landscape", Mercatus Center Lecture Series, Arlington, VA, 2015.
  • "The Harmful Nature of a 36% Interest Rate Cap", Staffers, Senator Thad Cochran's Office, Senate Office Building, Washington, DC, 2015.
  • "Bias: Words and Worldviews Matter", National Organization of Black Elected Legislators, San Diego, CA, 2015.
  • "Financing Innovation and Economic Growth", Financing the Future: The Role of Financial System in Fostering Economic Growth , Washington DC, 2015.
2014
  • "Consumer Credit Choices for Banked and Unbanked Mississippians", Eleventh Annual Symposium of the Journal of Law, Economics, and Policy: A Symposium on Consumer Credit and the American Economy, Arlington, VA, 2014.
  • "Small Dollar Loans", Guest Speaker, ECON 3513, Mississippi State University, Starkville, MS, 2014.
  • "The Performance of Options-Based Investment Strategies: Evidence for Individual Stocks During 2003-2013", with , Louisiana State University, Department of Finance, Louisiana State University, 2014.
  • "Interest Rate Caps", Luncheon for U.S. Congressional Staff Members and Senate Banking Committee Staff Members, Washington, DC, 2014.
  • "The Consequences of the Constitutional Interest Rate Cap in the State of Arkansas", Mercatus Center Seminar Series, Arlington, VA, 2014.
  • "The Small Dollar Loan Landscape", The National Organization of Black Elected Legislative/, Biloxi, MS, 2014.
  • "The Future of Small Dollar Credit", 16TH AFSA State Government Affairs and Legal Issues Forum, Albuquerque, NM, 2014.
  • "The Effects of Public versus Private Ownership on Foreclosure Liquidation", AREUEA National Conference, Washington, DC, 2014.
  • "The Effects of Public versus Private Ownership on Forclosure Liquidation", Mercatus Center Seminar Series, Arlington, VA, 2014.
  • "The Consequences of the Constitutional Interest Rate Cap in the State of Arkansas", APEE Annual Mieeting, Las Vegas, NV, 2014.
  • "Two Presentations: Bias; How to Make a Presentation", Tower Loan University, Starkville, MS, 2014.
2013
  • "Consumer Credit Options:Comparing Payday Loans and Installment Loans", National Caucus of Black State Legislators, Memphis, TN, 2013.
  • "The Differences Between an Installment Loan and a Payday Loan", Symposium on Faith and Economic Empowerment , St. Louis, MO, 2013.
  • "A Survey of Mississippians Regarding Some Aspects of Consumer Credit", Annual Meeting, Maui, 2013.
2012
  • "Two Presentations: Bias; How to Make a Presentation", Tower Loan University, Starkville, MS, 2012.