Research Interests

  • Policy Areas: consumer policy | social policy | financial aid policy

  • Fields (Economics): household behavior and family economics | labor and demographic economics | economic education

  • Populations: low- and moderate-income individuals | young adults | economically disadvantaged students | other economically vulnerable populations as appropriate




Harvey, Melody. 2019. “Impact of Financial Education Mandates on Younger Consumers’ Use of Alternative Financial Services.” Journal of Consumer Affairs 53, no. 3: 731-769.


Hunter, Sarah B., Melody Harvey, Matt Cefalu, and Brian Briscombe. 2017. Evaluation of the Housing for Health Permanent Supportive Housing Program. Research Report, RR-1694-BC. Santa Monica, CA: RAND Corporation.

Kaufman, Julia H., Susan M. Gates, Melody Harvey, Yan Wang, and Mark Barrett. 2017. What it Takes to Operate and Maintain Principal Pipelines: Costs and Other Resources. Research Report, RR-2149-WF. Santa Monica, CA: RAND Corporation.

Martin, Laurie T., Nazleen Bharmal, Janice C. Blanchard, Melody Harvey, and Malcolm Williams. 2014. Barriers to Enrollment in Health Coverage in Colorado. Research Report, RR-782-COHF. Santa Monica, CA: RAND Corporation.

Chinman, Matthew, Sarah Beth Hunter, Jill S. Cannon, M. Rebecca Kilburn, Melody Harvey, and Mollie Rudnick. 2014. Process Evaluation of the New Mexico Maternal, Infant, and Early Childhood Home Visiting Competitive Development Grant. Research Report, RR-639-REC. Santa Monica, CA: RAND Corporation.

Gates, Susan M., Laura S. Hamilton, Paco Martorell, Susan Burkhauser, Paul Heaton, Ashley Pierson, Matthew Baird, Mirka Vuollo, Jennifer J. Li, Diana Lavery, Melody Harvey, and Kun Gu. 2014. Preparing Principals to Raise Student Achievement: Implementation and Effects of New Leaders Program in Ten Districts. Research Report, RR-507-NL. Santa Monica, CA: RAND Corporation.

Briefs & Reviews

Harvey, Melody. 2019. “Does State-Mandated Financial Education Affect High-Cost Borrowing?Insights: Financial Capability. [Issue Brief.] Washington, DC: FINRA Investor Education Foundation.

O’Hanlon, Claire E., and Melody Harvey. 2017. “Doing More with Less: Lessons from Cuba’s Healthcare System.” [Commentary.] Georgetown Journal of International Affairs (Online).

Harvey, Melody. 2017. “Review of Game of Loans, by Beth Akers and Matthew M. Chingos.” [Book Review.] Journal of Policy Analysis and Management 36, no. 3: 708-712.

Harvey, Melody. 2012. “Egypt Wrestles with Democracy: Expectations versus Realities.” [Commentary.] Pepperdine Policy Review 5, no. 1: 5-19.


Forthcoming Works

In Progress

Harvey, Melody. Impact of State-Mandated High School Financial Education on Savings by Low-Income Households.

Harvey, Melody. Do Standardized Testing Requirements Enhance Mandate Effectiveness?

Robb, Cliff, Melody Harvey, and Christopher Peterson. Law and Order? Impacts of Payday Lending Legislation on AFS Use by Degree of Enforcement.

Harvey, Melody, Jeremy Burke, Joyce Serido, and Soyeon Shim. “Experience is the Best Teacher” for Whom?: Associations between Past Adverse Financial Behaviors and Current Financial Knowledge.

Hunter, Sarah B., Melody Harvey, Brian Briscombe, Enrico G. Castillo, and Corrin Buchanan. Los Angeles County’s Housing for Health: Evaluating the Effects of Intensive Case Management and Housing on Public Service Utilization and Costs.