Thomas W. Miller, Jr. is a Senior Affiliated Scholar, Emeritus with the Mercatus Center at George Mason University whose research focuses on small dollar loans for the Program on Financial Regulation. Professor Miller is also a Professor of Finance and the inaugural holder of the Jack R. Lee Chair of Financial Institutions and Consumer Finance at Mississippi State University. His current research concerns various aspects of consumer credit and, specifically, small dollar installment loans. Professor Miller is a frequent speaker on consumer credit issues at national conferences. Professor Miller has been honored with many research and teaching awards. He has held positions at Saint Louis University, Washington University in St. Louis, the University of Missouri, and has taught in Italy and France. Professor Miller is co-author of Fundamentals of Investments: Valuation and Management, 8th ed. and Derivatives: Valuation and Risk Management. Professor Miller enjoys playing blues and jazz on his tenor saxophone.