Tom Miller, Jr. is Professor of Finance and inaugural holder of the Jack R. Lee Chair of Financial and Consumer Finance at Mississippi State University. Professor Miller received his Ph.D. in finance from the University of Washington (Seattle) and his Bachelor’s and Master’s degrees in applied economics from Montana State University. Professor Miller has also held appointments at the University of Missouri—Columbia, Washington University in St. Louis, and Saint Louis University. Professor Miller is a Senior Affiliated Scholar at the Mercatus Center at George Mason University. His current research focusses on small dollar loans. Professor Miller is a frequent speaker on consumer credit issues. Professor Miller is the author of How do Small-Dollar Nonbank Loans Work? and co-author (with Bradford D. Jordan and Steve Dolvin) of Fundamentals of Investments: Valuation and Management, 9th ed. (McGraw-Hill/Irwin). Professor Miller’s interests include golf, American saddlebred horses, and playing tenor saxophone.