Regul(ariz)ation of Fringe Credit: Payday Lending and the Borders of Global Financial Practice
Bibliographic record
Abstract
The recent financial crisis has been punctuated by a discussion of the future of global financial governance in terms of a ‘regulation/deregulation’ formula. This paper argues for a broadening of this frame by taking seriously recent claims of performativity. To place changes associated with financial globalization in a more complicated critical context, this paper explores the ways in which global finance has often entailed a redrawing of the boundaries between the financial and the everyday. To develop this argument, the paper focuses, in particular, on practices of payday lending and on recent regulatory changes which have performed payday lending in a particular set of ways. Reading payday lending as both a repertoire of market devices and a set of dividing practices, this paper concludes that regulation performs the object it seeks to manage by invoking ambiguous, and not singular, territories of governance.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.008 | 0.008 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.004 | 0.046 |
| Scholarly communication | 0.009 | 0.005 |
| Open science | 0.001 | 0.006 |
| Research integrity | 0.002 | 0.004 |
| Insufficient payload (model declined to judge) | 0.003 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".