Regul(ariz)ation of Fringe Credit: Payday Lending and the Borders of Global Financial Practice
Why this work is in the frame
A frame that forgets how it found something cannot be audited. These are the routes that admitted this work.
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.
Fetched live from OpenAlex and de-inverted. Abstracts are not stored in this database: the inverted indexes are 8.6 GB of the frame’s 9.3 GB of text, and the host has 13 GB free.
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.000 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.000 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 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 it