Ray Charles "Chuck" Howard

Assistant Professor
Department of Marketing


Chuck Howard is an Assistant Professor of Marketing at Texas A&M’s Mays Business School. In his primary program of research Chuck examines the psychological causes of consumer financial misprediction, designs and tests cognitive tools that increase consumers’ financial prediction accuracy, and investigates the downstream consequences of financial misprediction for consumers and firms. The ultimate goal of his research in this area is to advance theory in a way that deepens our understanding of why consumers systematically mispredict their financial outcomes, while simultaneously generating practical insights that inform how we can improve consumer prediction accuracy – and therefore financial well-being – in everyday life.

Research Interests

cognitive biases, consumer financial decision making, moral judgment and decision making