Deputizing financial institutions to fight elder abuse
研究利用2016年《示范法》条款的逐步实施，发现授权金融机构筛查不当行为后，金融专业人士向财政部报告的虐待案件减少，FBI监测的针对老年人的金融犯罪也下降，且效果在老年人更孤立的地区更强。
Permissive laws deputize financial professionals to screen for misbehavior without providing explicit incentives. These are very common in financial markets. To evaluate their effectiveness, we exploit the staggered adoption of the 2016 Model Act provisions intended to curb elder abuse. We find a drop in reports of abuse by financial professionals to the Department of Treasury and, separately, in financial crimes against the elderly as monitored by the FBI. The effect is stronger where the elderly are more isolated. Our results highlight the role financial professionals play in combating social problems and the impact of permissive policies.