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Gene Amromin

Citations

Many of the citations below have been collected in an experimental project, CitEc, where a more detailed citation analysis can be found. These are citations from works listed in RePEc that could be analyzed mechanically. So far, only a minority of all works could be analyzed. See under "Corrections" how you can help improve the citation analysis.

RePEc Biblio mentions

As found on the RePEc Biblio, the curated bibliography of Economics:
  1. Gene Amromin & Jane K. Dokko & Karen E. Dynan, 2020. "Helping Homeowners During the Covid-19 Pandemic: Lessons from the Great Recession," Chicago Fed Letter, Federal Reserve Bank of Chicago, issue 443, June.

    Mentioned in:

    1. > Economics of Welfare > Health Economics > Economics of Pandemics > Specific pandemics > Covid-19 > Economic policy > Household support

Wikipedia or ReplicationWiki mentions

(Only mentions on Wikipedia that link back to a page on a RePEc service)
  1. Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Tomasz Piskorski & Amit Seru, 2017. "Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program," Journal of Political Economy, University of Chicago Press, vol. 125(3), pages 654-712.

    Mentioned in:

    1. Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program (JPE 2017) in ReplicationWiki ()

Working papers

  1. Gene Amromin & Neil Bhutta & Benjamin J. Keys, 2020. "Refinancing, Monetary Policy, and the Credit Cycle," NBER Working Papers 28039, National Bureau of Economic Research, Inc.

    Cited by:

    1. Nadia Balemi & Roland Füss & Alois Weigand, 2021. "COVID-19’s impact on real estate markets: review and outlook," Financial Markets and Portfolio Management, Springer;Swiss Society for Financial Market Research, vol. 35(4), pages 495-513, December.
    2. Phillip B. Levine & Dubravka Ritter, 2024. "The racial wealth gap, financial aid, and college access," Journal of Policy Analysis and Management, John Wiley & Sons, Ltd., vol. 43(2), pages 555-581, March.
    3. Andreas Fuster & Aurel Hizmo & Lauren Lambie-Hanson & James Vickery & Paul S. Willen, 2021. "How Resilient Is Mortgage Credit Supply? Evidence from the COVID-19 Pandemic," Working Papers 21-4, Federal Reserve Bank of Boston.
    4. Benjamin Collier & Daniel Hartley & Benjamin J. Keys & Jing Xian Ng, 2024. "Credit When You Need It," Working Paper Series WP 2024-16, Federal Reserve Bank of Chicago.
    5. Koel Roychowdhury & Radhika Bhanja & Sushmita Biswas, 2022. "Mapping the research landscape of Covid-19 from social sciences perspective: a bibliometric analysis," Scientometrics, Springer;Akadémiai Kiadó, vol. 127(8), pages 4547-4568, August.
    6. Karen Pence, 2022. "Liquidity in the mortgage market: How does the COVID‐19 crisis compare with the global financial crisis?," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 50(6), pages 1405-1424, November.
    7. Mallick Hossain & Igor Livshits & Collin Wardius, 2023. "Not Cashing In on Cashing Out: An Analysis of Low Cash-Out Refinance Rates," Working Papers 23-04, Federal Reserve Bank of Philadelphia.
    8. Giacomo Rella, 2021. "The Fed, housing and household debt over time," Department of Economics University of Siena 850, Department of Economics, University of Siena.
    9. Madeira, Carlos, 2021. "The potential impact of financial portability measures on mortgage refinancing: Evidence from Chile," Journal of International Money and Finance, Elsevier, vol. 117(C).
    10. McCartney, W. Ben & Shah, Avni M., 2022. "Household mortgage refinancing decisions are neighbor influenced, especially along racial lines," Journal of Urban Economics, Elsevier, vol. 128(C).

  2. John Mondragon & Janice Eberly & Gene Amromin, 2017. "The Housing Crisis and the Rise in Student Loans," 2017 Meeting Papers 369, Society for Economic Dynamics.

    Cited by:

    1. Neil Bhutta & Jesse Bricker & Lisa J. Dettling & Jimmy Kelliher & Steven Laufer, 2019. "Stress Testing Household Debt," Finance and Economics Discussion Series 2019-008, Board of Governors of the Federal Reserve System (U.S.).
    2. Billings, Stephen B. & Gallagher, Emily A. & Ricketts, Lowell, 2022. "Let the rich be flooded: The distribution of financial aid and distress after hurricane harvey," Journal of Financial Economics, Elsevier, vol. 146(2), pages 797-819.
    3. Boutros, Michael & Clara, Nuno & Gomes, Francisco, 2024. "Borrow now, pay even later: A quantitative analysis of student debt payment plans," Journal of Financial Economics, Elsevier, vol. 159(C).
    4. Michael Boutros & Nuno Clara & Francisco Gomes, 2023. "Borrow Now, Pay Even Later: A Quantitative Analysis of Student Debt Payment Plans," Staff Working Papers 23-54, Bank of Canada.

  3. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Dinc, Serdar, 2017. "The Politics of Foreclosures," Working Paper Series 2017-21, Ohio State University, Charles A. Dice Center for Research in Financial Economics.

    Cited by:

    1. Millimet, Daniel L., 2024. "(Don't) Walk This Way: The Econometrics of Crosswalks," IZA Discussion Papers 17154, Institute of Labor Economics (IZA).
    2. Wagner, Wolf & Lambert, Thomas & Zhang, Eden Quxian, 2020. "Banks, Political Capital, and Growth," CEPR Discussion Papers 15612, C.E.P.R. Discussion Papers.
    3. Deniz Igan & Thomas Lambert & Prachi Mishra & Eden Zhang, 2024. "The Politics of the Paycheck Protection Program," Working Papers 134, Ashoka University, Department of Economics.
    4. Li, Bo & Ponticelli, Jacopo, 2022. "Going Bankrupt in China," CEPR Discussion Papers 15007, C.E.P.R. Discussion Papers.
    5. Kang, Shulong & Dong, Jianfeng & Yu, Haiyue & Cao, Jin & Dinger, Valeriya, 2021. "City commercial banks and credit allocation: Firm-level evidence," BOFIT Discussion Papers 4/2021, Bank of Finland Institute for Emerging Economies (BOFIT).
    6. Bo Li & Jacopo Ponticelli, 2022. "Going Bankrupt in China [The politics of foreclosures]," Review of Finance, European Finance Association, vol. 26(3), pages 449-486.
    7. Thomas Lambert & Wolf Wagner & Eden Quxian Zhang, 2023. "Banks, Political Capital, and Growth," The Review of Corporate Finance Studies, Society for Financial Studies, vol. 12(3), pages 613-655.
    8. Şenay Ağca & Deniz Igan, 2023. "The Lion’s Share: Evidence from Federal Contracts on the Value of Political Connections," Journal of Law and Economics, University of Chicago Press, vol. 66(3), pages 609-638.
    9. Agarwal, Sumit & Qian, Wenlan & Seru, Amit & Zhang, Jian, 2020. "Disguised corruption: Evidence from consumer credit in China," Journal of Financial Economics, Elsevier, vol. 137(2), pages 430-450.
    10. Benjamin J. Keys & Tomasz Piskorski & Amit Seru & Vikrant Vig, 2012. "Mortgage Financing in the Housing Boom and Bust," NBER Chapters, in: Housing and the Financial Crisis, pages 143-204, National Bureau of Economic Research, Inc.
    11. Mandai, Yu, and Nakabayashi, Masaki, 2017. "Stabilize the Peasant Economy: Governance of Foreclosure by the Shogunate," ISS Discussion Paper Series (series F) f187, Institute of Social Science, The University of Tokyo, revised 28 Nov 2017.
    12. Chu, Yongqiang & Zhang, Tim, 2022. "Political influence and banks: Evidence from mortgage lending," Journal of Financial Intermediation, Elsevier, vol. 52(C).

  4. De Nardi, Mariacristina & Amromin, Gene & Schulze, Karl, 2017. "Household inequality and the consumption response to aggregate real shocks," CEPR Discussion Papers 12459, C.E.P.R. Discussion Papers.

    Cited by:

    1. Ying’ai Piao & Meiru Li & Hongyuan Sun & Ying Yang, 2023. "Income Inequality, Household Debt, and Consumption Growth in the United States," Sustainability, MDPI, vol. 15(5), pages 1-13, February.
    2. Juan I Martín-Legendre & Pablo Castellanos-García & José M Sánchez-Santos, 2019. "Housing and financial wealth effects on consumption: Evidence from the Spanish Survey of Household Finances," Economics Bulletin, AccessEcon, vol. 39(3), pages 1930-1940.
    3. Gomes, Francisco J. & Haliassos, Michael & Ramadorai, Tarun, 2020. "Household finance," IMFS Working Paper Series 138, Goethe University Frankfurt, Institute for Monetary and Financial Stability (IMFS).
    4. Animashaun, Jubril & Wossink, Ada, 2024. "How do households cope during aggregate shocks? Evidence from the 2009–2015 oil crisis in Nigeria," Resources Policy, Elsevier, vol. 95(C).
    5. Mark Setterfield, 2020. "Managing the discontent of the losers," Review of Social Economy, Taylor & Francis Journals, vol. 78(1), pages 77-97, January.
    6. Marco D’Amico & Martina Fazio, 2025. "Modelling income risk dynamics in the UK: a parametric approach," Bank of England working papers 1129, Bank of England.
    7. Daniel Cooper & María José Luengo-Prado & Jonathan A. Parker, 2019. "The Local Aggregate Effects of Minimum Wage Increases," NBER Working Papers 25761, National Bureau of Economic Research, Inc.
    8. Caterina Astarita & Salvador Barrios & Francesca D'Auria & Anamaria Maftei & Philipp Mohl & Matteo Salto & Marie-Luise Schmitz & Alberto Tumino & Edouard Turkisch, 2018. "Impact of fiscal policy on income distribution," Report on Public Finances in EMU, Directorate General Economic and Financial Affairs (DG ECFIN), European Commission, pages 71-131, January.
    9. Gregor Semieniuk & Emanuele Campiglio & Jean‐Francois Mercure & Ulrich Volz & Neil R. Edwards, 2021. "Low‐carbon transition risks for finance," Wiley Interdisciplinary Reviews: Climate Change, John Wiley & Sons, vol. 12(1), January.

  5. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Evanoff, Douglas D., 2016. "Loan Product Steering in Mortgage Markets," Working Paper Series 2016-18, Ohio State University, Charles A. Dice Center for Research in Financial Economics.

    Cited by:

    1. Albanesi, Stefania & DeGiorgi, Giacomo & Nosal, Jaromir, 2022. "Credit growth and the financial crisis: A new narrative," Journal of Monetary Economics, Elsevier, vol. 132(C), pages 118-139.
    2. Dokko, Jane K. & Keys, Benjamin J. & Relihan, Lindsay, 2019. "Affordability, financial innovation and the start of the housing boom," LSE Research Online Documents on Economics 101017, London School of Economics and Political Science, LSE Library.
    3. Schrimpf, Paul & Malamud, Semyon, 2018. "Intermediation markups and monetary policy pass-through," CEPR Discussion Papers 12623, C.E.P.R. Discussion Papers.
    4. Steven Malliaris & Daniel A. Rettl & Ruchi Singh, 2022. "Is competition a cure for confusion? Evidence from the residential mortgage market," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 50(1), pages 206-246, March.
    5. Annamaria Lusardi & Olivia S. Mitchell & Noemi Oggero, 2020. "Debt and Financial Vulnerability on the Verge of Retirement," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 52(5), pages 1005-1034, August.
    6. Eliana Balla & Raymond Brastow & Daniel Edgel & Morgan Rose, 2024. "The Effect of Regulatory Oversight on Nonbank Mortgage Subsidiaries," The Journal of Real Estate Finance and Economics, Springer, vol. 68(3), pages 523-575, April.
    7. Sebastian Doerr & Andreas Fuster, 2025. "Affordable housing, unaffordable credit? Concentration and high-cost lending for manufactured homes," BIS Working Papers 1255, Bank for International Settlements.
    8. Luis Arturo Lopez & Shawn J. McCoy & Vivek Sah, 2022. "Steering consumers to lenders in residential real estate markets," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 50(6), pages 1596-1641, November.
    9. Dungey, Mardi & Doko Tchatoka, Firmin & Yanotti, María B., 2018. "Endogeneity in household mortgage choice," Economic Modelling, Elsevier, vol. 73(C), pages 30-44.
    10. Griffin, John M. & Kruger, Samuel & Maturana, Gonzalo, 2019. "Do labor markets discipline? Evidence from RMBS bankers," Journal of Financial Economics, Elsevier, vol. 133(3), pages 726-750.

  6. Sumit Agarwal & Gene Amromin & Souphala Chomsisengphet & Tim Landvoigt & Tomasz Piskorski & Amit Seru & Vincent Yao, 2015. "Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program," NBER Working Papers 21512, National Bureau of Economic Research, Inc.

    Cited by:

    1. Anthony DeFusco & John Mondragon, 2018. "No Job, No Money, No Refi: Frictions to Refinancing in a Recession," 2018 Meeting Papers 1293, Society for Economic Dynamics.
    2. Maturana, Gonzalo & Nickerson, Jordan, 2020. "Real effects of workers’ financial distress: Evidence from teacher spillovers," Journal of Financial Economics, Elsevier, vol. 136(1), pages 137-151.
    3. Agarwal, Sumit & Ströbel, Johannes & Chomsisengphet, Souphala & Mahoney, Neale, 2015. "Do Banks Pass Through Credit Expansions? The Marginal Profitability of Consumer Lending During the Great Recession," CEPR Discussion Papers 10839, C.E.P.R. Discussion Papers.
    4. Kurt Mitman, 2016. "Macroeconomic Effects of Bankruptcy and Foreclosure Policies," American Economic Review, American Economic Association, vol. 106(8), pages 2219-2255, August.
    5. Kristopher Gerardi & Lara Loewenstein & Paul S. Willen, 2020. "Evaluating the Benefits of a Streamlined Refinance Program," Policy Hub, Federal Reserve Bank of Atlanta, vol. 2020(8), pages 1-22, June.
    6. Andreas Fuster & Matthew Plosser & Philipp Schnabl & James Vickery, 2018. "The role of technology in mortgage lending," Staff Reports 836, Federal Reserve Bank of New York.
    7. Greg Buchak & Gregor Matvos & Tomasz Piskorski & Amit Seru, 2024. "Beyond the Balance Sheet Model of Banking: Implications for Bank Regulation and Monetary Policy," Journal of Political Economy, University of Chicago Press, vol. 132(2), pages 616-693.
    8. Martin Beraja & Andreas Fuster & Erik Hurst & Joseph Vavra, 2017. "Regional Heterogeneity and Monetary Policy," NBER Working Papers 23270, National Bureau of Economic Research, Inc.
    9. You Suk Kim & Donghoon Lee & Tess C. Scharlemann & James Vickery, 2022. "Intermediation Frictions in Debt Relief: Evidence from CARES Act Forbearance," Staff Reports 1035, Federal Reserve Bank of New York.
    10. Cristian Badarinza & John Y. Campbell & Tarun Ramadorai, 2014. "What Calls to ARMs? International Evidence on Interest Rates and the Choice of Adjustable-Rate Mortgages," NBER Working Papers 20408, National Bureau of Economic Research, Inc.
    11. Richard Chamboko & Jorge Miguel Bravo, 2020. "A Multi-State Approach to Modelling Intermediate Events and Multiple Mortgage Loan Outcomes," Risks, MDPI, vol. 8(2), pages 1-29, June.
    12. Egle Jakucionyte & Swapnil Singh, 2020. "Bowling Alone, Buying Alone: The Decline of Co-Borrowers in the US Mortgage Market," Bank of Lithuania Working Paper Series 78, Bank of Lithuania.
    13. David Bounie & Youssouf Camara, 2020. "Card-Sales Response to Merchant Contactless Payment Acceptance," Post-Print hal-02296302, HAL.
    14. Adam M. Guren & Arvind Krishnamurthy & Timothy J. McQuade, 2018. "Mortgage Design in an Equilibrium Model of the Housing Market," NBER Working Papers 24446, National Bureau of Economic Research, Inc.
    15. Bounie, David & Camara, Youssouf, 2020. "Card-sales response to merchant contactless payment acceptance," Journal of Banking & Finance, Elsevier, vol. 119(C).
    16. Emil Verner & Győző Gyöngyösi, 2020. "Household Debt Revaluation and the Real Economy: Evidence from a Foreign Currency Debt Crisis," American Economic Review, American Economic Association, vol. 110(9), pages 2667-2702, September.
    17. Carlos Dobkin & Amy Finkelstein & Raymond Kluender & Matthew J. Notowidigdo, 2018. "The Economic Consequences of Hospital Admissions," American Economic Review, American Economic Association, vol. 108(2), pages 308-352, February.
    18. David Berger & Nicholas Turner & Eric Zwick, 2020. "Stimulating Housing Markets," Journal of Finance, American Finance Association, vol. 75(1), pages 277-321, February.
    19. John Y. Campbell & Nuno Clara & João F. Cocco, 2020. "Structuring Mortgages for Macroeconomic Stability," NBER Working Papers 27676, National Bureau of Economic Research, Inc.
    20. Lunn, Pete & McGowan, Féidhlim & Howard, Noel, 2018. "Do some financial product features negatively affect consumer decisions? a review of evidence," Research Series, Economic and Social Research Institute (ESRI), number RS78, December.
    21. Buchak, Greg & Matvos, Gregor & Piskorski, Tomasz & Seru, Amit, 2018. "Fintech, regulatory arbitrage, and the rise of shadow banks," Journal of Financial Economics, Elsevier, vol. 130(3), pages 453-483.
    22. Beltratti, Andrea & Gavazza, Alessandro & Benetton, Matteo, 2015. "The Role of Prepayment Penalties in Mortgage Loans," CEPR Discussion Papers 10504, C.E.P.R. Discussion Papers.
    23. Elora Raymond, 2016. "Negative Equity in the Sixth Federal Reserve District," FRB Atlanta Community and Economic Development Discussion Paper 2016-01, Federal Reserve Bank of Atlanta.
    24. Deeksha Gupta, 2018. "Too Much Skin-in-the-Game? The Effect of Mortgage Market Concentration on Credit and House Prices," 2018 Meeting Papers 512, Society for Economic Dynamics.
    25. Sumit Agarwal & Souphala Chomsisengphet & Neale Mahoney & Johannes Stroebel, 2018. "Do Banks Pass through Credit Expansions to Consumers Who want to Borrow?," The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 133(1), pages 129-190.
    26. Jesper Berg & Morten Bækmand Nielsen & James Vickery, 2018. "Peas in a pod? Comparing the U.S. and Danish mortgage finance systems," Economic Policy Review, Federal Reserve Bank of New York, issue 24-3, pages 63-87.
    27. James T. Strong & Gokce Soydemir & Panagiotis Petratos, 2019. "Asymmetric Impact of Advertising revenues on Consumer Behavior: A Bivariate Approach," Central European Business Review, Prague University of Economics and Business, vol. 2019(2), pages 1-14.
    28. Randall Morck & M. Deniz Yavuz & Bernard Yeung, 2019. "State-Run Banks, Money Growth, and the Real Economy," Management Science, INFORMS, vol. 65(12), pages 5914-5932, December.
    29. Marimon, Ramon, 2016. "Breaking the Spell with Credit-Easing: Self-Confirming Credit Crises in Competitive Search Economies," CEPR Discussion Papers 11135, C.E.P.R. Discussion Papers.
    30. Agarwal, Sumit & Li, Keyang & Qin, Yu & Wu, Jing & Yan, Jubo, 2020. "Tax evasion, capital gains taxes, and the housing market," Journal of Public Economics, Elsevier, vol. 188(C).
    31. Alvaro Mezza & Daniel R. Ringo & Kamila Sommer, 2021. "Student Loans, Access to Credit and Consumer Financial Behavior," Finance and Economics Discussion Series 2021-050, Board of Governors of the Federal Reserve System (U.S.).
    32. Tomasz Piskorski & Amit Seru, 2018. "Debt Relief and Slow Recovery: A Decade after Lehman," NBER Working Papers 25403, National Bureau of Economic Research, Inc.
    33. Alexei Tchistyi, 2018. "An Equilibrium Model of Housing and Mortgage Markets with State-Contingent Lending Contracts," 2018 Meeting Papers 244, Society for Economic Dynamics.
    34. Tomasz Piskorski & Alexei Tchistyi, 2017. "An Equilibrium Model of Housing and Mortgage Markets with State-Contingent Lending Contracts," NBER Working Papers 23452, National Bureau of Economic Research, Inc.
    35. Stephanie Johnson & John Mondragon & Anthony DeFusco, 2017. "Regulating Household Leverage," 2017 Meeting Papers 327, Society for Economic Dynamics.
    36. Elora Raymond, 2016. "Negative equity in the Sixth Federal Reserve District," FRB Atlanta Community and Economic Development Discussion Paper 2016-1, Federal Reserve Bank of Atlanta.
    37. Ma, Chao, 2020. "Per-customer quantity limit and price discrimination: Evidence from the U.S. residential mortgage market," International Journal of Industrial Organization, Elsevier, vol. 70(C).
    38. Paul Frijters & Benno Torgler & Christian Gillitzer & Jin Cong Wang, 2016. "Housing Wealth Effects: Cross-sectional Evidence from New Vehicle Registrations," The Economic Record, The Economic Society of Australia, vol. 92, pages 30-51, June.
    39. Wayne Passmore & Shane M. Sherlund, 2021. "FHA, Fannie Mae, Freddie Mac and the Great Recession," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 49(3), pages 733-777, September.
    40. Aydin, Deniz, 2021. "Forbearance, Interest Rates, and Present-Value Effects in a Randomized Debt Relief Experiment," EconStor Preprints 248467, ZBW - Leibniz Information Centre for Economics.
    41. Timmons, Shane & Barjaková, Martina & McElvaney, Terry & Lunn, Pete, 2019. "Can official advice improve mortgage-holders’ perceptions of switching? An experimental investigation," Papers WP612, Economic and Social Research Institute (ESRI).
    42. Holger Mueller & Constantine Yannelis, 2022. "Increasing Enrollment in Income‐Driven Student Loan Repayment Plans: Evidence from the Navient Field Experiment," Journal of Finance, American Finance Association, vol. 77(1), pages 367-402, February.
    43. Marcus Ingholt, 2018. "LTV vs. DTI Constraints: When Did They Bind, and How Do They Interact?," 2018 Meeting Papers 866, Society for Economic Dynamics.
    44. Antoniades, Adonis, 2021. "Monetary easing and the lending concentration channel of monetary policy transmission," Journal of Banking & Finance, Elsevier, vol. 133(C).
    45. Stuart A. Gabriel & Matteo Iacoviello & Chandler Lutz, 2020. "A Crisis of Missed Opportunities? Foreclosure Costs and Mortgage Modification During the Great Recession," Finance and Economics Discussion Series 2020-053, Board of Governors of the Federal Reserve System (U.S.).
    46. Marco Di Maggio & Amir Kermani & Christopher Palmer, 2016. "How Quantitative Easing Works: Evidence on the Refinancing Channel," NBER Working Papers 22638, National Bureau of Economic Research, Inc.
    47. Gregory Howard, 2017. "The Migration Accelerator: Labor Mobility, Housing, and Aggregate Demand," 2017 Meeting Papers 563, Society for Economic Dynamics.

  7. Gene Amromin & Caitlin Kearns, 2014. "Access to Refinancing and Mortgage Interest Rates: HARPing on the Importance of Competition," Working Paper Series WP-2014-25, Federal Reserve Bank of Chicago.

    Cited by:

    1. Alexei Alexandrov & Thomas S. Conkling & Sergei Koulayev, 2024. "Changing the Scope of GSE Loan Guarantees: Estimating Effects on Mortgage Pricing and Availability," The Journal of Real Estate Finance and Economics, Springer, vol. 69(3), pages 409-451, October.
    2. Phoebe Tian & Chen Zheng, 2024. "Unintended Consequences of the Home Affordable Refinance Program," Staff Working Papers 24-11, Bank of Canada.
    3. Jason Allen & Shaoteng Li, 2025. "Dynamic Competition in Negotiated Price Markets," Journal of Finance, American Finance Association, vol. 80(1), pages 561-614, February.
    4. Marco Di Maggio & Amir Kermani & Sanket Korgaonkar, 2019. "Partial Deregulation and Competition: Effects on Risky Mortgage Origination," Management Science, INFORMS, vol. 65(10), pages 4676-4711, October.
    5. Marco Di Maggio & Amir Kermani & Christopher Palmer, 2016. "How Quantitative Easing Works: Evidence on the Refinancing Channel," NBER Working Papers 22638, National Bureau of Economic Research, Inc.
    6. Collins C. Ngwakwe, 2024. "The Impact of Mortgage Rates on Mortgage Refinancing," International Journal of Economics and Financial Issues, Econjournals, vol. 14(2), pages 1-4, March.

  8. Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas Evanoff, 2014. "The Effectiveness of Mandatory Mortgage Counseling: Can One Dissuade Borrowers from Choosing Risky Mortgages?," NBER Working Papers 19920, National Bureau of Economic Research, Inc.

    Cited by:

    1. Robert Argento & Lariece Brown & Sergei Koulayev & Grace Li & Marina Myhre & Forrest W. Pafenberg & Saty Patrabansh, 2018. "First-Time Homebuyer Counseling and the Mortgage Selection Experience in the United States: Evidence from the National Survey of Mortgage Originations," NMDB Staff Working Papers 18-02, Federal Housing Finance Agency.
    2. Apergis, Nicholas & Aysan, Ahmet F. & Bakkar, Yassine, 2021. "How do institutional settings condition the effect of macroprudential policies on bank systemic risk?," Economics Letters, Elsevier, vol. 209(C).
    3. Hazel Bateman & Isabella Dobrescu & Ben R. Newell & Andreas Ortmann & Susan Thorp, 2013. "As Easy as Pie: How Retirement Savers use Prescribed Investment Disclosures," Research Paper Series 326, Quantitative Finance Research Centre, University of Technology, Sydney.
    4. Justine Hastings & Christopher A. Neilson & Seth D. Zimmerman, 2015. "The Effects of Earnings Disclosure on College Enrollment Decisions," Working Papers 2015-1, Princeton University. Economics Department..
    5. Agarwal, Sumit & Ben-David, Itzhak & Yao, Vincent, 2017. "Systematic mistakes in the mortgage market and lack of financial sophistication," Journal of Financial Economics, Elsevier, vol. 123(1), pages 42-58.
    6. Begley, Taylor A. & Purnanandam, Amiyatosh, 2021. "Color and credit: Race, regulation, and the quality of financial services," Journal of Financial Economics, Elsevier, vol. 141(1), pages 48-65.
    7. Thorp, S. & Bateman, H. & Dobrescu, L.I. & Newell, B.R. & Ortmann, A., 2020. "Flicking the switch: Simplifying disclosure to improve retirement plan choices," Journal of Banking & Finance, Elsevier, vol. 121(C).

  9. Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Yan Zhang, 2014. "Holdup by Junior Claimholders: Evidence from the Mortgage Market," NBER Working Papers 20015, National Bureau of Economic Research, Inc.

    Cited by:

    1. Reite, Endre J., 2023. "Mortgage lending valuation bias under housing price changes and loan-to-value regulations," Finance Research Letters, Elsevier, vol. 58(PC).
    2. Stefano Colonnello & Mariela Dal Borgo, 2024. "Raising Household Leverage: Evidence from Co-Financed Mortgages," Working Papers 2024: 01, Department of Economics, University of Venice "Ca' Foscari".
    3. Nicolae Stef, 2023. "Bankruptcy voting process and corporate reorganization," Bulletin of Economic Research, Wiley Blackwell, vol. 75(2), pages 508-524, April.
    4. Hakan Yilmazkuday, 2023. "COVID-19 and housing prices: evidence from U.S. county-level data," Review of Regional Research: Jahrbuch für Regionalwissenschaft, Springer;Gesellschaft für Regionalforschung (GfR), vol. 43(2), pages 241-263, August.
    5. Sandler, Ryan, 2023. "Aligning incentives: The effect of mortgage servicing rules on foreclosures and delinquency," Regional Science and Urban Economics, Elsevier, vol. 102(C).

  10. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Zhang, Yan, 2014. "Second Liens and the Holdup Problem in Mortgage Renegotiation," Working Paper Series 2014-02, Ohio State University, Charles A. Dice Center for Research in Financial Economics.

    Cited by:

    1. Fleitas, Sebastian & Fishback, Price & Snowden, Kenneth, 2016. "Economic Crisis and the Demise of a Popular Contractual Form: Building and Loan Mortgage Contracts in the 1930s," CAGE Online Working Paper Series 275, Competitive Advantage in the Global Economy (CAGE).
    2. Abdullah Yavas & Shuang Zhu, 2024. "Misreporting of second liens in portfolio mortgages and privately securitized mortgages," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 52(1), pages 73-109, January.
    3. James N. Conklin & Moussa Diop & Thao Le & Walter D’Lima, 2019. "The Importance of Originator-Servicer Affiliation in Loan Renegotiation," The Journal of Real Estate Finance and Economics, Springer, vol. 59(1), pages 56-89, July.
    4. Fleitas, Sebastian & Fishback, Price & Snowden, Kenneth, 2018. "Economic crisis and the demise of a popular contractual form: Building & Loans in the 1930s," Journal of Financial Intermediation, Elsevier, vol. 36(C), pages 28-44.
    5. Michael J. Seiler, 2017. "Do Liquidated Damages Clauses Affect Strategic Mortgage Default Morality? A Test of the Disjunctive Thesis," Framed Field Experiments 00627, The Field Experiments Website.
    6. Gene Amromin & Caitlin Kearns, 2014. "Access to Refinancing and Mortgage Interest Rates: HARPing on the Importance of Competition," Working Paper Series WP-2014-25, Federal Reserve Bank of Chicago.
    7. Philip Bond & Ronel Elul & Sharon Garyn-Tal & David K. Musto, 2012. "Does junior inherit? Refinancing and the blocking power of second mortgages," Working Papers 13-03, Federal Reserve Bank of Philadelphia.
    8. Xudong An & Larry Cordell, 2021. "Mortgage loss severities: What keeps them so high?," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 49(3), pages 809-842, September.

  11. Gene Amromin & Steven A. Sharpe, 2012. "From the horse’s mouth: how do investor expectations of risk and return vary with economic conditions?," Working Paper Series WP-2012-08, Federal Reserve Bank of Chicago.

    Cited by:

    1. John Ameriks & Gábor Kézdi & Minjoon Lee & Matthew D. Shapiro, 2020. "Heterogeneity in Expectations, Risk Tolerance, and Household Stock Shares: The Attenuation Puzzle," Journal of Business & Economic Statistics, Taylor & Francis Journals, vol. 38(3), pages 633-646, July.
    2. Eduardo Dávila, 2023. "Optimal Financial Transaction Taxes," Journal of Finance, American Finance Association, vol. 78(1), pages 5-61, February.
    3. Bradley Jones, 2015. "Asset Bubbles: Re-thinking Policy for the Age of Asset Management," IMF Working Papers 2015/027, International Monetary Fund.

  12. Agarwal, Sumit & Ben-David, Itzhak & Amromin, Gene & Chomsisengphet, Souphala & Evanoff, Douglas D., 2012. "Predatory Lending and the Subprime Crisis," Working Paper Series 2012-08, Ohio State University, Charles A. Dice Center for Research in Financial Economics.

    Cited by:

    1. Emilia G. Marsellou & Stylianos Kotsios, 2025. "Consumer and Corporate Debt in a 3D Macroeconomic Model," Mathematics, MDPI, vol. 13(7), pages 1-24, March.
    2. Robert Argento & Lariece Brown & Sergei Koulayev & Grace Li & Marina Myhre & Forrest W. Pafenberg & Saty Patrabansh, 2018. "First-Time Homebuyer Counseling and the Mortgage Selection Experience in the United States: Evidence from the National Survey of Mortgage Originations," NMDB Staff Working Papers 18-02, Federal Housing Finance Agency.
    3. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Evanoff, Douglas D., 2016. "Loan Product Steering in Mortgage Markets," Working Paper Series 2016-18, Ohio State University, Charles A. Dice Center for Research in Financial Economics.
    4. Nigmonov, Asror & Shams, Syed & Alam, Khorshed, 2022. "Macroeconomic determinants of loan defaults: Evidence from the U.S. peer-to-peer lending market," Research in International Business and Finance, Elsevier, vol. 59(C).
    5. Tim Zhang, 2022. "Uniform Mortgage Regulation and Distortion in Capital Allocation [Loan originations and defaults in the mortgage crisis: the role of the middle class]," Review of Finance, European Finance Association, vol. 26(4), pages 1011-1050.
    6. Mesly, Olivier & Chkir, Imed & Racicot, François-Éric, 2019. "Predatory cells and puzzling financial crises: Are toxic products good for the financial markets?," Economic Modelling, Elsevier, vol. 78(C), pages 11-31.
    7. Steinbuks, Jevgenijs, 2015. "Effects of prepayment regulations on termination of subprime mortgages," Journal of Banking & Finance, Elsevier, vol. 59(C), pages 445-456.
    8. Gathergood, John & Weber, Jörg, 2017. "Financial literacy: A barrier to home ownership for the young?," Journal of Urban Economics, Elsevier, vol. 99(C), pages 62-78.
    9. Harold H. Zhang & Feng Zhao & Xiaofei Zhao, 2024. "Neglected Risks in the Communication of Residential Mortgage‐Backed Securities Offerings," Journal of Finance, American Finance Association, vol. 79(1), pages 129-172, February.
    10. Zingales, Luigi, 2015. "Does Finance Benefit Society?," CEPR Discussion Papers 10350, C.E.P.R. Discussion Papers.
    11. Gabriel, Stuart A. & Kahn, Matthew E. & Vaughn, Ryan K., 2015. "Congressional influence as a determinant of subprime lending," Journal of Housing Economics, Elsevier, vol. 28(C), pages 91-102.
    12. Stephen L. Ross & Yuan Wang, 2022. "Mortgage Lenders and the Geographic Concentration of Foreclosures," Working Papers 2022-001, Human Capital and Economic Opportunity Working Group.
    13. Sumit Agarwal & Itzhak Ben-David & Vincent Yao, 2013. "Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market," NBER Working Papers 19606, National Bureau of Economic Research, Inc.
    14. Henrik Andersen & Ragnar E Juelsrud & Carola Müller, 2024. "Risk-based pricing in competitive lending markets," BIS Working Papers 1169, Bank for International Settlements.
    15. Dan Immergluck, 2015. "A look back: what we now know about the causes of the US mortgage crisis," International Journal of Urban Sciences, Taylor & Francis Journals, vol. 19(3), pages 269-285, November.
    16. Patrick Bayer & Francisco Ferreira & Stephen L. Ross, 2014. "Race, Ethnicity and High Cost Mortgage Lending," Working Papers 2014-023, Human Capital and Economic Opportunity Working Group.
    17. Sebastian Doerr & Andreas Fuster, 2025. "Affordable housing, unaffordable credit? Concentration and high-cost lending for manufactured homes," BIS Working Papers 1255, Bank for International Settlements.
    18. Marsha J. Courchane & Stephen L. Ross, 2018. "Evidence and Actions on Mortgage Market Disparities: Research, Fair lending Enforcement and Consumer Protection," Working papers 2018-14, University of Connecticut, Department of Economics.
    19. Nam, Tong-yob & Oh, Seungjoon, 2021. "Non-recourse mortgage law and housing speculation," Journal of Banking & Finance, Elsevier, vol. 133(C).
    20. Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas Evanoff, 2014. "The Effectiveness of Mandatory Mortgage Counseling: Can One Dissuade Borrowers from Choosing Risky Mortgages?," NBER Working Papers 19920, National Bureau of Economic Research, Inc.
    21. Luis Arturo Lopez & Shawn J. McCoy & Vivek Sah, 2022. "Steering consumers to lenders in residential real estate markets," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 50(6), pages 1596-1641, November.
    22. Thi Nguyen, Loan Quynh & Matousek, Roman & Muradoglu, Gulnur, 2024. "Bank capital, liquidity creation and the moderating role of bank culture: An investigation using a machine learning approach," Journal of Financial Stability, Elsevier, vol. 72(C).
    23. David Aikman & Jonathan Bridges & Anil Kashyap & Caspar Siegert, 2019. "Would Macroprudential Regulation Have Prevented the Last Crisis?," Journal of Economic Perspectives, American Economic Association, vol. 33(1), pages 107-130, Winter.
    24. Marco DiMaggio & Andrew F. Haughwout & Amir Kermani & Matthew Mazewski & Maxim L. Pinkovskiy, 2016. "Health spending slowed down in spite of the crisis," Staff Reports 781, Federal Reserve Bank of New York.
    25. Natnara Chulawate & Supaporn Kiattisin, 2023. "Success Factors Influencing Peer-to-Peer Lending to Support Financial Innovation," Sustainability, MDPI, vol. 15(5), pages 1-16, February.
    26. Xudong An & Larry Cordell, 2021. "Mortgage loss severities: What keeps them so high?," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 49(3), pages 809-842, September.
    27. Arthur Acolin & Xudong An & Susan M. Wachter, 2022. "Lending competition, regulation, and nontraditional mortgages," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 50(2), pages 340-365, June.
    28. Huck, Nicolas & Mavoori, Hareesh & Mesly, Olivier, 2020. "The rationality of irrationality in times of financial crises," Economic Modelling, Elsevier, vol. 89(C), pages 337-350.
    29. Wonsuk Chung & Rick Harbaugh, 2019. "Biased recommendations from biased and unbiased experts," Journal of Economics & Management Strategy, Wiley Blackwell, vol. 28(3), pages 520-540, June.
    30. Bin Wei & Feng Zhao, 2022. "Racial Disparities in Mortgage Lending: New Evidence Based on Processing Time," FRB Atlanta Working Paper 2022-1, Federal Reserve Bank of Atlanta.
    31. Brent W. Ambrose & James Conklin & Jiro Yoshida, 2016. "Credit Rationing, Income Exaggeration, and Adverse Selection in the Mortgage Market," Journal of Finance, American Finance Association, vol. 71(6), pages 2637-2686, December.
    32. Xudong An & Lawrence R. Cordell, 2017. "Regime Shift And The Post-Crisis World Of Mortgage Loss Severities," Working Papers 17-8, Federal Reserve Bank of Philadelphia.
    33. Manuel Adelino & Antoinette Schoar & Felipe Severino, 2015. "Loan Originations and Defaults in the Mortgage Crisis: The Role of the Middle Class," NBER Working Papers 20848, National Bureau of Economic Research, Inc.
    34. Ambrose, Brent W. & Coulson, N. Edward & Yoshida, Jiro, 2018. "Reassessing Taylor rules using improved housing rent data," Journal of Macroeconomics, Elsevier, vol. 56(C), pages 243-257.
    35. Thanassoulis, John & Morrison, Alan, 2017. "Ethical standards and cultural assimilation in financial services," CEPR Discussion Papers 12060, C.E.P.R. Discussion Papers.
    36. James Ming Chen & Predrag Bejaković & Nika Šimurina, 2024. "Tax and Policy Drivers of Personal Overindebtedness in the European Union," International Advances in Economic Research, Springer;International Atlantic Economic Society, vol. 30(2), pages 115-133, May.

  13. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Piskorski, Tomasz & Seru, Amit, 2012. "Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program," Working Paper Series 2012-20, Ohio State University, Charles A. Dice Center for Research in Financial Economics.

    Cited by:

    1. Brian Jonghwan Lee, 2024. "Bankruptcy Lawyers and Credit Recovery," Working Papers 24-10, Federal Reserve Bank of Philadelphia.
    2. Berlinger, Edina & Kiss, Hubert János & Khayouti, Sára, 2022. "Loan forbearance takeup in the Covid-era - The role of time preferences and locus of control," Finance Research Letters, Elsevier, vol. 50(C).
    3. Anthony DeFusco & John Mondragon, 2018. "No Job, No Money, No Refi: Frictions to Refinancing in a Recession," 2018 Meeting Papers 1293, Society for Economic Dynamics.
    4. Rohan Ganduri & Steven Chong Xiao & Serena Wenjing Xiao, 2023. "Tracing the source of liquidity for distressed housing markets," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 51(2), pages 408-440, March.
    5. Pierce, Stephanie Casey & Brown, Julia K. & Moulton, Stephanie & Chun, Yung, 2025. "Labor outcomes of mortgage payment subsidies for unemployed homeowners," Journal of Housing Economics, Elsevier, vol. 67(C).
    6. Maturana, Gonzalo & Nickerson, Jordan, 2020. "Real effects of workers’ financial distress: Evidence from teacher spillovers," Journal of Financial Economics, Elsevier, vol. 136(1), pages 137-151.
    7. Hanming Fang & You Suk Kim & Wenli Li, 2016. "The dynamics of subprime adjustable-rate mortgage default: a structural estimation," Working Papers 16-2, Federal Reserve Bank of Philadelphia.
    8. Katya Kartashova & Xiaoqing Zhou, 2025. "How Do Mortgage Rate Resets Affect Consumer Spending and Debt Repayment? Evidence from Canadian Consumers," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 57(5), pages 1167-1210, August.
    9. Fiorin,Stefano & Hall,Joseph & Kanz,Martin, 2023. "How Do Borrowers Respond to a Debt Moratorium ? Experimental Evidence from Consumer Loansin India," Policy Research Working Paper Series 10358, The World Bank.
    10. Matteo Benetton & Alessandro Gavazza & Paolo Surico, 2021. "Mortgage pricing and monetary policy," Bank of England working papers 936, Bank of England.
    11. Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Yan Zhang, 2014. "Holdup by Junior Claimholders: Evidence from the Mortgage Market," NBER Working Papers 20015, National Bureau of Economic Research, Inc.
    12. Aiello, Darren J., 2022. "Financially constrained mortgage servicers," Journal of Financial Economics, Elsevier, vol. 144(2), pages 590-610.
    13. Gomes, Francisco J. & Haliassos, Michael & Ramadorai, Tarun, 2020. "Household finance," IMFS Working Paper Series 138, Goethe University Frankfurt, Institute for Monetary and Financial Stability (IMFS).
    14. Alin Marius Andries & Anca Copaciu & Radu Popa & Razvan Vlahu, 2021. "Recourse and (strategic) mortgage defaults: Evidence from changes in housing market laws," Working Papers 727, DNB.
    15. Benjamin Iverson, 2018. "Get in Line: Chapter 11 Restructuring in Crowded Bankruptcy Courts," Management Science, INFORMS, vol. 64(11), pages 5370-5394, November.
    16. Sumit Agarwal & Slava Mikhed & Barry Scholnick & Man Zhang, 2022. "Reducing Strategic Default in a Financial Crisis," Working Papers 21-36, Federal Reserve Bank of Philadelphia.
    17. Greg Buchak & Gregor Matvos & Tomasz Piskorski & Amit Seru, 2024. "Beyond the Balance Sheet Model of Banking: Implications for Bank Regulation and Monetary Policy," Journal of Political Economy, University of Chicago Press, vol. 132(2), pages 616-693.
    18. Matteo Benetton & Davide Fantino, 2018. "Competition and the pass-through of unconventional monetary policy: evidence from TLTROs," Temi di discussione (Economic working papers) 1187, Bank of Italy, Economic Research and International Relations Area.
    19. Greg Buchak & Gregor Matvos & Tomasz Piskorski & Amit Seru, 2023. "Aggregate Lending and Modern Financial Intermediation: Why Bank Balance Sheet Models are Miscalibrated," NBER Working Papers 31484, National Bureau of Economic Research, Inc.
    20. Martin Beraja & Andreas Fuster & Erik Hurst & Joseph Vavra, 2017. "Regional Heterogeneity and Monetary Policy," NBER Working Papers 23270, National Bureau of Economic Research, Inc.
    21. Atif Mian & Amir Sufi, 2018. "Finance and Business Cycles: The Credit-Driven Household Demand Channel," Journal of Economic Perspectives, American Economic Association, vol. 32(3), pages 31-58, Summer.
    22. Dong Beom Choi & Hyun‐Soo Choi & Jung‐Eun Kim, 2022. "Clogged Intermediation: Were Home Buyers Crowded Out?," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 54(4), pages 1065-1098, June.
    23. You Suk Kim & Donghoon Lee & Tess C. Scharlemann & James Vickery, 2022. "Intermediation Frictions in Debt Relief: Evidence from CARES Act Forbearance," Staff Reports 1035, Federal Reserve Bank of New York.
    24. Filipe Correia & Gustavo S. Cortes & Thiago C. Silva, 2021. "Is Corporate Credit Risk Propagated to Employees?," Working Papers Series 551, Central Bank of Brazil, Research Department.
    25. Brunetti, M. & Ciciretti, R. & Djordjevic, Lj., 2020. "Till mortgage do us part: Mortgage switching costs and household's bank switching," Journal of Banking & Finance, Elsevier, vol. 119(C).
    26. Aidt, Toke & Asatryan, Zareh & Badalyan, Lusine, 2024. "Political consequences of (consumer) debt relief," ZEW Discussion Papers 24-030, ZEW - Leibniz Centre for European Economic Research.
    27. Lambertini, Luisa & Nuguer, Victoria & Uysal, Pinar, 2017. "Mortgage default in an estimated model of the U.S. housing market," Journal of Economic Dynamics and Control, Elsevier, vol. 76(C), pages 171-201.
    28. Katharina Allinger & Elisabeth Beckmann, 2021. "Use of loan moratoria by CESEE households: who are the users and how vulnerable are they?," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue Q3/21, pages 7-33.
    29. Charles Ka Yui Leung & Joe Cho Yiu Ng, 2018. "Macro Aspects of Housing," Globalization Institute Working Papers 340, Federal Reserve Bank of Dallas.
    30. Therese C. Scharlemann & Stephen H. Shore, 2015. "The Effect of Negative Equity on Mortgage Default: Evidence from HAMP PRA," Working Papers 15-06, Office of Financial Research, US Department of the Treasury.
    31. Jan K. Brueckner & James N. Conklin & N. Edward Coulson & Moussa Diop, 2023. "Default Costs and Repayment of Underwater Mortgages," CESifo Working Paper Series 10755, CESifo.
    32. Sala, Hector & Trivin, Pedro, 2024. "Household finances, debt overhang and consumption patterns," Economic Modelling, Elsevier, vol. 139(C).
    33. Sumit Agarwa & Yongheng Deng & Quanlin Gu & Jia He & Wenlan Qian & Yuan Ren, 2022. "Mortgage Debt, Hand-to-Mouth Households, and Monetary Policy Transmission [Policy intervention in debt renegotiation: evidence from the home affordable modification program]," Review of Finance, European Finance Association, vol. 26(3), pages 487-520.
    34. Nicola Pierri & Yannick Timmer, 2022. "The Importance of Technology in Banking during a Crisis," Finance and Economics Discussion Series 2022-020, Board of Governors of the Federal Reserve System (U.S.).
    35. Kleiner, Kristoph & Stoffman, Noah & Yonker, Scott E., 2021. "Friends with bankruptcy protection benefits," Journal of Financial Economics, Elsevier, vol. 139(2), pages 578-605.
    36. Auclert, Adrien & Dobbie, Will & Goldsmith-Pinkham, Paul, 2019. "Macroeconomic Effects of Debt Relief: Consumer Bankruptcy Protections in the Great Recession," CEPR Discussion Papers 13598, C.E.P.R. Discussion Papers.
    37. Benjamin J. Keys & Devin G. Pope & Jaren C. Pope, 2014. "Failure to Refinance," NBER Working Papers 20401, National Bureau of Economic Research, Inc.
    38. Eric Higgins & Abdullah Yavas & Shuang Zhu, 2022. "Private mortgage securitization and loss given default," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 50(5), pages 1334-1359, September.
    39. Richard Chamboko & Jorge Miguel Bravo, 2020. "A Multi-State Approach to Modelling Intermediate Events and Multiple Mortgage Loan Outcomes," Risks, MDPI, vol. 8(2), pages 1-29, June.
    40. Andreas Fuster & Matthew Plosser & James Vickery, 2018. "Does CFPB Oversight Crimp Credit?," Staff Reports 857, Federal Reserve Bank of New York.
    41. Francesco Ferrante, 2015. "Risky Mortgages, Bank Leverage and Credit Policy," Finance and Economics Discussion Series 2015-110, Board of Governors of the Federal Reserve System (U.S.).
    42. Greg Kaplan & Kurt Mitman & Giovanni L. Violante, 2020. "The Housing Boom and Bust: Model Meets Evidence," Journal of Political Economy, University of Chicago Press, vol. 128(9), pages 3285-3345.
    43. James N. Conklin & Moussa Diop & Thao Le & Walter D’Lima, 2019. "The Importance of Originator-Servicer Affiliation in Loan Renegotiation," The Journal of Real Estate Finance and Economics, Springer, vol. 59(1), pages 56-89, July.
    44. Fanelli, Sebastián & Gonzalez-Eiras, Martín, 2021. "Resolution of financial crises," Journal of Economic Dynamics and Control, Elsevier, vol. 133(C).
    45. Akey, Pat & Heimer, Rawley Z. & Lewellen, Stefan, 2021. "Politicizing consumer credit," Journal of Financial Economics, Elsevier, vol. 139(2), pages 627-655.
    46. Kim, Jiseob & Lim, Taejun, 2021. "Cost-effective mortgage modification program to reduce mortgage defaults," Economic Modelling, Elsevier, vol. 96(C), pages 220-241.
    47. Papoutsi, Melina, 2021. "Lending relationships in loan renegotiation: evidence from corporate loans," Working Paper Series 2553, European Central Bank.
    48. Òscar Jordà & Martin Kornejew & Moritz Schularick & Alan M Taylor, 2022. "Zombies at Large? Corporate Debt Overhang and the Macroeconomy," The Review of Financial Studies, Society for Financial Studies, vol. 35(10), pages 4561-4586.
    49. Stephen L. Ross & Yuan Wang, 2022. "Mortgage Lenders and the Geographic Concentration of Foreclosures," Working Papers 2022-001, Human Capital and Economic Opportunity Working Group.
    50. Sumit Agarwal & Itzhak Ben-David & Vincent Yao, 2013. "Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market," NBER Working Papers 19606, National Bureau of Economic Research, Inc.
    51. Edina Berlinger & Sára Khayouti & Hubert János Kiss, 2022. "Time discounting predicts loan forbearance takeup," CERS-IE WORKING PAPERS 2201, Institute of Economics, Centre for Economic and Regional Studies.
    52. Dobbie, Will & Song, Jae, 2019. "Targeted Debt Relief and the Origins of Financial Distress: Experimental Evidence from Distressed Credit Card Borrowers," Working Paper Series rwp19-030, Harvard University, John F. Kennedy School of Government.
    53. H. Fraisse, 2017. "Household Debt Restructuring : The Re-default Effects of Debt Suspensions," Débats Economiques et financiers 29, Banque de France.
    54. Matteo Benetton, 2021. "Leverage Regulation and Market Structure: A Structural Model of the U.K. Mortgage Market," Journal of Finance, American Finance Association, vol. 76(6), pages 2997-3053, December.
    55. João Granja & Christos Makridis & Constantine Yannelis & Eric Zwick, 2020. "Did the Paycheck Protection Program Hit the Target?," NBER Working Papers 27095, National Bureau of Economic Research, Inc.
    56. Xavier Giné & Martin Kanz, 2018. "The Economic Effects of a Borrower Bailout: Evidence from an Emerging Market," The Review of Financial Studies, Society for Financial Studies, vol. 31(5), pages 1752-1783.
    57. Hurst, Erik & Keys, Benjamin J. & Seru, Amit & Vavra, Joseph, 2015. "Regional Redistribution through the U.S. Mortgage Market," Research Papers 3458, Stanford University, Graduate School of Business.
    58. Natalia Kovrijnykh & Igor Livshits, 2013. "Screening as a Unified Theory of Delinquency, Renegotiation, and Bankruptcy," Carlo Alberto Notebooks 340, Collegio Carlo Alberto.
    59. Adam M. Guren & Arvind Krishnamurthy & Timothy J. McQuade, 2018. "Mortgage Design in an Equilibrium Model of the Housing Market," NBER Working Papers 24446, National Bureau of Economic Research, Inc.
    60. McCann, Fergal, 2018. "Resolving a Non-Performing Loan crisis: the ongoing case of the Irish mortgage market," ESRB Working Paper Series 71, European Systemic Risk Board.
    61. Favara, Giovanni & Giannetti, Mariassunta, 2015. "Forced Asset Sales and the Concentration of Outstanding Debt: Evidence from the Mortgage Market," CEPR Discussion Papers 10476, C.E.P.R. Discussion Papers.
    62. Artavanis, Nikolaos & Spyridopoulos, Ioannis, 2023. "Determinants of strategic behavior: Evidence from a foreclosure moratorium," Journal of Financial Intermediation, Elsevier, vol. 56(C).
    63. Christian A. L. Hilber & Olivier Schoni, 2022. "Housing policy and affordable housing," CEP Occasional Papers 56, Centre for Economic Performance, LSE.
    64. Terry O'Malley, 2021. "The Impact of Repossession Risk on Mortgage Default," Journal of Finance, American Finance Association, vol. 76(2), pages 623-650, April.
    65. Emil Verner & Győző Gyöngyösi, 2020. "Household Debt Revaluation and the Real Economy: Evidence from a Foreign Currency Debt Crisis," American Economic Review, American Economic Association, vol. 110(9), pages 2667-2702, September.
    66. Hanming Fang & You Suk Kim & Wenli Li, 2015. "The Dynamics of Adjustable-Rate Subprime Mortgage Default: A Structural Estimation," NBER Working Papers 21810, National Bureau of Economic Research, Inc.
    67. Soyoung Lee, 2023. "The Macroeconomic Effects of Debt Relief Policies During Recessions," Staff Working Papers 23-48, Bank of Canada.
    68. Alexander C Tsai, 2015. "Home Foreclosure, Health, and Mental Health: A Systematic Review of Individual, Aggregate, and Contextual Associations," PLOS ONE, Public Library of Science, vol. 10(4), pages 1-21, April.
    69. David Berger & Nicholas Turner & Eric Zwick, 2020. "Stimulating Housing Markets," Journal of Finance, American Finance Association, vol. 75(1), pages 277-321, February.
    70. D'Acunto, Francesco & Hoang, Daniel & Paloviita, Maritta & Weber, Michael, 2021. "Human frictions in the transmission of economic policy," Bank of Finland Research Discussion Papers 12/2021, Bank of Finland.
    71. Lukasz A. Drozd & Ricardo Serrano-Padial, 2018. "Financial Contracting with Enforcement Externalities," Working Papers 18-21, Federal Reserve Bank of Philadelphia.
    72. Buchak, Greg & Matvos, Gregor & Piskorski, Tomasz & Seru, Amit, 2018. "Fintech, regulatory arbitrage, and the rise of shadow banks," Journal of Financial Economics, Elsevier, vol. 130(3), pages 453-483.
    73. McCann, Fergal, 2017. "Mortgage modifications in Ireland: a recent history," Economic Letters 16/EL/17, Central Bank of Ireland.
    74. Ferreira, Miguel A. & Adelino, Manuel & Oliveira, Miguel, 2025. "The heterogeneous effects of household debt relief," Working Paper Series 3034, European Central Bank.
    75. Lu Han & Chandler Lutz & Benjamin Sand & Derek Stacey, 2018. "Do Financial Constraints Cool a Housing Boom?," Working Papers 073, Toronto Metropolitan University, Department of Economics.
    76. Sebastián Fanelli & Martín Gonzalez-Eiras, 2021. "Resolution of Final Crises," Working Papers wp2021_2113, CEMFI.
    77. Robert Clark & Shaoteng Li, 2022. "The Strategic Response of Banks to Macroprudential Policies: Evidence from Mortgage Stress Tests in Canada [LIBOR manipulation?]," Review of Finance, European Finance Association, vol. 26(1), pages 187-216.
    78. Therese C. Scharlemann & Stephen H. Shore, 2022. "The effect of changing mortgage payments on default and prepayment: Evidence from HAMP resets," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 50(5), pages 1231-1256, September.
    79. Davis, Morris A. & Van Nieuwerburgh, Stijn, 2015. "Housing, Finance, and the Macroeconomy," Handbook of Regional and Urban Economics, in: Gilles Duranton & J. V. Henderson & William C. Strange (ed.), Handbook of Regional and Urban Economics, edition 1, volume 5, chapter 0, pages 753-811, Elsevier.
    80. Jason Allen & Robert Clark & Shaoteng Li & Nicolas Vincent, 2022. "Debt‐relief programs and money left on the table: Evidence from Canada's response to COVID‐19," Canadian Journal of Economics/Revue canadienne d'économique, John Wiley & Sons, vol. 55(S1), pages 9-53, February.
    81. Fraisse, Henri, 2017. "Households Debt Restructuring: The Re-default Effect of a Debt Suspension," IZA Discussion Papers 11032, Institute of Labor Economics (IZA).
    82. Aidt, Toke & Asatryan, Zareh & Badalyan, Lusine, 2022. "Political consequences of consumer debt relief," ZEW Discussion Papers 22-049, ZEW - Leibniz Centre for European Economic Research.
    83. Francesco D'Acunto & Daniel Hoang & Michael Weber & Michael Weber, 2019. "Managing Households' Expectations with Salient Economic Policies," CESifo Working Paper Series 7793, CESifo.
    84. Sumit Agarwal & Luojia Hu & Xing Huang, 2013. "Rushing into American Dream? House Prices, Timing of Homeownership, and Adjustment of Consumer Credit," Working Paper Series WP-2013-13, Federal Reserve Bank of Chicago.
    85. Karen Pence, 2022. "Liquidity in the mortgage market: How does the COVID‐19 crisis compare with the global financial crisis?," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 50(6), pages 1405-1424, November.
    86. Nika Lazaryan & Urvi Neelakantan, 2016. "Monetary Incentives and Mortgage Renegotiation Outcomes," Economic Quarterly, Federal Reserve Bank of Richmond, issue 2Q, pages 147-168.
    87. Lathaporn Ratanavararak & Sommarat Chantarat, 2022. "Do Agricultural Debt Moratoriums Help or Hurt? The Heterogenous Impacts on Rural Households in Thailand," PIER Discussion Papers 195, Puey Ungphakorn Institute for Economic Research.
    88. Lei Ding, 2016. "Borrower Credit Access And Credit Performance After Loan Modifications," Working Papers 16-26, Federal Reserve Bank of Philadelphia.
    89. Walter D'Lima & Luis Arturo Lopez, 2021. "Trustee affiliation and servicer oversight: Evidence from CMBS markets," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 49(3), pages 699-732, September.
    90. de Bruijn, Ernst-Jan & Vethaak, Heike & Koning, Pierre & Knoef, Marike, 2023. "Debt Relief for the Financially Vulnerable: Impact on Employment, Welfare Receipt, and Mental Health," IZA Discussion Papers 16336, Institute of Labor Economics (IZA).
    91. Looney, Adam & Yannelis, Constantine, 2022. "The consequences of student loan credit expansions: Evidence from three decades of default cycles," Journal of Financial Economics, Elsevier, vol. 143(2), pages 771-793.
    92. Agarwal, Sumit & Li, Keyang & Qin, Yu & Wu, Jing & Yan, Jubo, 2020. "Tax evasion, capital gains taxes, and the housing market," Journal of Public Economics, Elsevier, vol. 188(C).
    93. Gerardo Pérez‐Cavazos, 2019. "Consequences of Debt Forgiveness: Strategic Default Contagion and Lender Learning," Journal of Accounting Research, John Wiley & Sons, Ltd., vol. 57(3), pages 797-841, June.
    94. Maximilian Schmeiser & Matthew Gross, 2016. "The Determinants of Subprime Mortgage Performance Following a Loan Modification," The Journal of Real Estate Finance and Economics, Springer, vol. 52(1), pages 1-27, January.
    95. Christian A. L. Hilber & Olivier Schöni, 2016. "Housing Policies in the United Kingdom, Switzerland, and the United States: Lessons Learned," ADBI Working Papers 569, Asian Development Bank Institute.
    96. Alvaro Mezza & Daniel R. Ringo & Kamila Sommer, 2021. "Student Loans, Access to Credit and Consumer Financial Behavior," Finance and Economics Discussion Series 2021-050, Board of Governors of the Federal Reserve System (U.S.).
    97. Tomasz Piskorski & Amit Seru, 2018. "Debt Relief and Slow Recovery: A Decade after Lehman," NBER Working Papers 25403, National Bureau of Economic Research, Inc.
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    99. Tomasz Piskorski & Alexei Tchistyi, 2017. "An Equilibrium Model of Housing and Mortgage Markets with State-Contingent Lending Contracts," NBER Working Papers 23452, National Bureau of Economic Research, Inc.
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    121. Moritz Schularick, 2021. "Corporate indebtedness and macroeconomic stabilisation from a long-term perspective," ECONtribute Policy Brief Series 024, University of Bonn and University of Cologne, Germany.
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    Cited by:

    1. Segura, Anatoli & Zeng, Jing, 2020. "Off-balance sheet funding, voluntary support and investment efficiency," Journal of Financial Economics, Elsevier, vol. 137(1), pages 90-107.
    2. Lamont K. Black & John Krainer & Joseph B. Nichols, 2017. "Safe Collateral, Arm's-Length Credit : Evidence from the Commercial Real Estate Mortgage Market," Finance and Economics Discussion Series 2017-056, Board of Governors of the Federal Reserve System (U.S.).
    3. Jun Zhu & Jared Janowiak & Lu Ji & Kadiri Karamon & Douglas McManus, 2015. "The Effect of Mortgage Payment Reduction on Default: Evidence from the Home Affordable Refinance Program," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 43(4), pages 1035-1054, November.
    4. Anthony DeFusco & John Mondragon, 2018. "No Job, No Money, No Refi: Frictions to Refinancing in a Recession," 2018 Meeting Papers 1293, Society for Economic Dynamics.
    5. Rajan, Uday & Seru, Amit & Vig, Vikrant, 2015. "The failure of models that predict failure: Distance, incentives, and defaults," Journal of Financial Economics, Elsevier, vol. 115(2), pages 237-260.
    6. W. Scott Frame, 2018. "Agency Conflicts In Residential Mortgage Securitization: What Does The Empirical Literature Tell Us?," Journal of Financial Research, Southern Finance Association;Southwestern Finance Association, vol. 41(2), pages 237-251, June.
    7. Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Yan Zhang, 2014. "Holdup by Junior Claimholders: Evidence from the Mortgage Market," NBER Working Papers 20015, National Bureau of Economic Research, Inc.
    8. Aiello, Darren J., 2022. "Financially constrained mortgage servicers," Journal of Financial Economics, Elsevier, vol. 144(2), pages 590-610.
    9. Fernando Ferreira & Joseph Gyourko, 2015. "A New Look at the U.S. Foreclosure Crisis: Panel Data Evidence of Prime and Subprime Borrowers from 1997 to 2012," NBER Working Papers 21261, National Bureau of Economic Research, Inc.
    10. Sumit Agarwal & Slava Mikhed & Barry Scholnick & Man Zhang, 2022. "Reducing Strategic Default in a Financial Crisis," Working Papers 21-36, Federal Reserve Bank of Philadelphia.
    11. You Suk Kim & Donghoon Lee & Tess C. Scharlemann & James Vickery, 2022. "Intermediation Frictions in Debt Relief: Evidence from CARES Act Forbearance," Staff Reports 1035, Federal Reserve Bank of New York.
    12. Abdullah Yavas & Shuang Zhu, 2024. "Misreporting of second liens in portfolio mortgages and privately securitized mortgages," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 52(1), pages 73-109, January.
    13. Manuel Adelino & Kristopher Gerardi & Paul Willen, 2014. "Identifying the Effect of Securitization on Foreclosure and Modification Rates Using Early Payment Defaults," The Journal of Real Estate Finance and Economics, Springer, vol. 49(3), pages 352-378, October.
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    51. Agarwal, Sumit & Li, Keyang & Qin, Yu & Wu, Jing & Yan, Jubo, 2020. "Tax evasion, capital gains taxes, and the housing market," Journal of Public Economics, Elsevier, vol. 188(C).
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    62. Sewin Chan & Claudia Sharygin & Vicki Been & Andrew Haughwout, 2014. "Pathways After Default: What Happens to Distressed Mortgage Borrowers and Their Homes?," The Journal of Real Estate Finance and Economics, Springer, vol. 48(2), pages 342-379, February.
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    Cited by:

    1. John Y. Campbell & João F. Cocco, 2015. "A Model of Mortgage Default," Journal of Finance, American Finance Association, vol. 70(4), pages 1495-1554, August.
    2. Bäckman, Claes & Khorunzhina, Natalia, 2020. "Interest-Only Mortgages and Consumption Growth: Evidence from a Mortgage Market Reform," MPRA Paper 98524, University Library of Munich, Germany.
    3. Guiso, Luigi, 2012. "Household Finance: An Emerging Field," CEPR Discussion Papers 8934, C.E.P.R. Discussion Papers.
    4. van Ooijen, Raun & van Rooij, Maarten C.J., 2016. "Mortgage risks, debt literacy and financial advice," Journal of Banking & Finance, Elsevier, vol. 72(C), pages 201-217.
    5. Agarwal, Sumit & Chomsisengphet, Souphala & Zhang, Yunqi, 2017. "How does working in a finance profession affect mortgage delinquency?," Journal of Banking & Finance, Elsevier, vol. 78(C), pages 1-13.
    6. Marekwica, Marcel & Schaefer, Alexander & Sebastian, Steffen, 2013. "Life cycle asset allocation in the presence of housing and tax-deferred investing," Journal of Economic Dynamics and Control, Elsevier, vol. 37(6), pages 1110-1125.
    7. Garmaise, Mark J., 2020. "Alternative mortgage contracts and affordability- overview by Mark J. Garmaise," Regional Science and Urban Economics, Elsevier, vol. 80(C).
    8. Ms. Evridiki Tsounta, 2011. "Home Sweet Home: Government's Role in Reaching the American Dream," IMF Working Papers 2011/191, International Monetary Fund.

  16. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2010. "Market-Based Loss Mitigation Practices for Troubled Mortgages Following the Financial Crisis," Working Paper Series 2010-19, Ohio State University, Charles A. Dice Center for Research in Financial Economics.

    Cited by:

    1. Tracy, Joseph & Wright, Joshua, 2016. "Payment changes and default risk: The impact of refinancing on expected credit losses," Journal of Urban Economics, Elsevier, vol. 93(C), pages 60-70.
    2. Hanming Fang & You Suk Kim & Wenli Li, 2016. "The dynamics of subprime adjustable-rate mortgage default: a structural estimation," Working Papers 16-2, Federal Reserve Bank of Philadelphia.
    3. Therese C. Scharlemann & Stephen H. Shore, 2015. "The Effect of Negative Equity on Mortgage Default: Evidence from HAMP PRA," Working Papers 15-06, Office of Financial Research, US Department of the Treasury.
    4. Stephen L. Ross & Yuan Wang, 2022. "Mortgage Lenders and the Geographic Concentration of Foreclosures," Working Papers 2022-001, Human Capital and Economic Opportunity Working Group.
    5. Natalia Kovrijnykh & Igor Livshits, 2013. "Screening as a Unified Theory of Delinquency, Renegotiation, and Bankruptcy," Carlo Alberto Notebooks 340, Collegio Carlo Alberto.
    6. Collins, J. Michael & Urban, Carly, 2018. "The effects of a foreclosure moratorium on loan repayment behaviors," Regional Science and Urban Economics, Elsevier, vol. 68(C), pages 73-83.
    7. Feng Xu & Dazhong Wu & Jian Hua & Tih Koon Tan, 2022. "Preventive Maintenance for Mortgage Loans of Low-Income Borrowers," International Journal of Economics and Finance, Canadian Center of Science and Education, vol. 14(3), pages 1-66, February.
    8. Hanming Fang & You Suk Kim & Wenli Li, 2015. "The Dynamics of Adjustable-Rate Subprime Mortgage Default: A Structural Estimation," NBER Working Papers 21810, National Bureau of Economic Research, Inc.
    9. Gabriel Ehrlich & Jeffrey Perry, 2015. "Do Large-Scale Refinancing Programs Reduce Mortgage Defaults? Evidence From a Regression Discontinuity Design: Working Paper 2015-06," Working Papers 50871, Congressional Budget Office.
    10. Agarwal, Sumit & Chang, Yan & Yavas, Abdullah, 2012. "Adverse selection in mortgage securitization," Journal of Financial Economics, Elsevier, vol. 105(3), pages 640-660.
    11. Andreas Fuster & Paul S. Willen, 2012. "Payment size, negative equity, and mortgage default," Public Policy Discussion Paper 12-10, Federal Reserve Bank of Boston.
    12. Dan Immergluck, 2013. "Too Little, Too Late, and Too Timid: The Federal Response to the Foreclosure Crisis at the Five-Year Mark," Housing Policy Debate, Taylor & Francis Journals, vol. 23(1), pages 199-232, January.
    13. Maximilian Schmeiser & Matthew Gross, 2016. "The Determinants of Subprime Mortgage Performance Following a Loan Modification," The Journal of Real Estate Finance and Economics, Springer, vol. 52(1), pages 1-27, January.
    14. Karikari, John A., 2013. "Why homeowners’ documentation went missing under the Home Affordable Mortgage Program (HAMP)?: An analysis of strategic behavior of homeowners and servicers," Journal of Housing Economics, Elsevier, vol. 22(2), pages 146-162.
    15. Carolina K. Reid & Carly Urban & J. Michael Collins, 2017. "Rolling the Dice on Foreclosure Prevention: Differences Across Mortgage Servicers in Loan Modifications and Loan Cure Rates," Housing Policy Debate, Taylor & Francis Journals, vol. 27(1), pages 1-27, January.
    16. Vincent Yao & Tomasz Piskorski & Amit Seru & Benjamin Keys, 2015. "Mortgage Rates, Household Balance Sheets, and the Real Economy," 2015 Meeting Papers 705, Society for Economic Dynamics.
    17. Benjamin J. Keys & Tomasz Piskorski & Amit Seru & Vikrant Vig, 2012. "Mortgage Financing in the Housing Boom and Bust," NBER Chapters, in: Housing and the Financial Crisis, pages 143-204, National Bureau of Economic Research, Inc.
    18. Agarwal, Sumit & Zhang, Yunqi, 2018. "Effects of government bailouts on mortgage modification," Journal of Banking & Finance, Elsevier, vol. 93(C), pages 54-70.
    19. Henry Fraisse & Philippe Frouté, 2012. "Households Debt Restructuring: Evidence from the French Experience," Working papers 404, Banque de France.
    20. Janice Eberly & Arvind Krishnamurthy, 2014. "Efficient Credit Policies in a Housing Debt Crisis," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 45(2 (Fall)), pages 73-136.
    21. Henri Fraisse & Anne Muller, 2011. "Les commissions de surendettement des ménages : de l’objectif de négociation à la prévention de la rechute," Économie et Statistique, Programme National Persée, vol. 443(1), pages 3-27.

  17. Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff, 2009. "Do financial counseling mandates improve mortgage choice and performance? Evidence from a legislative experiment," Working Paper Series WP-09-07, Federal Reserve Bank of Chicago.

    Cited by:

    1. French, Declan & McKillop, Donal, 2016. "Financial literacy and over-indebtedness in low-income households," International Review of Financial Analysis, Elsevier, vol. 48(C), pages 1-11.
    2. Johan Almenberg & Artashes Karapetyan, 2010. "Mental accounting in the housing market," Working Paper 2010/20, Norges Bank.
    3. Michael Kosfeld & Ulrich Schüwer, 2017. "Add-on Pricing in Retail Financial Markets and the Fallacies of Consumer Education," Review of Finance, European Finance Association, vol. 21(3), pages 1189-1216.
    4. Kosfeld, Michael & Schüwer, Ulrich, 2011. "Add-on Pricing, Naive Consumers, and the Hidden Welfare Costs of Education," IZA Discussion Papers 6061, Institute of Labor Economics (IZA).
    5. Sumit Agarwal & John C. Driscoll & Xavier Gabaix & David Laibson, 2009. "The Age of Reason: Financial Decisions over the Life Cycle and Implications for Regulation," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 40(2 (Fall)), pages 51-117.
    6. Miller, Margaret & Reichelstein, Julia & Salas, Christian & Zia, Bilal, 2014. "Can you help someone become financially capable ? a meta-analysis of the literature," Policy Research Working Paper Series 6745, The World Bank.
    7. Xu, Yilan, 2014. "Does mortgage deregulation increase foreclosures? Evidence from Cleveland," Regional Science and Urban Economics, Elsevier, vol. 46(C), pages 126-139.
    8. Johan Almenberg & Artashes Karapetyan, 2011. "The Hidden Costs of Hidden Debt," Working Papers 1206, Departament Empresa, Universitat Autònoma de Barcelona, revised Oct 2011.
    9. Danielle Winchester & Sandra Huston, 2013. "Keeping Your Financial Planner to Yourself: Racial and Cultural Differences in Financial Planner Referrals," The Review of Black Political Economy, Springer;National Economic Association, vol. 40(2), pages 165-184, June.
    10. Kosfeld, Michael & Schüwer, Ulrich, 2016. "Pricing in retail financial markets and the fallacies of consumer education," SAFE Working Paper Series 47, Leibniz Institute for Financial Research SAFE, revised 2016.
    11. Carpena, Fenella & Cole, Shawn & Shapiro, Jeremy & Zia, Bilal, 2011. "Unpacking the causal chain of financial literacy," Policy Research Working Paper Series 5798, The World Bank.
    12. Stephanie Moulton & J. Michael Collins & Cäzilia Loibl & Anya Samek, 2015. "Effects of Monitoring on Mortgage Delinquency: Evidence From a Randomized Field Study," Journal of Policy Analysis and Management, John Wiley & Sons, Ltd., vol. 34(1), pages 184-207, January.

  18. Gene Amromin & Steven A. Sharpe, 2008. "Expectations of risk and return among household investors: Are their Sharpe ratios countercyclical?," Finance and Economics Discussion Series 2008-17, Board of Governors of the Federal Reserve System (U.S.).

    Cited by:

    1. Tobias Adrian & Daniel M. Covitz & J. Nellie Liang, 2014. "Financial Stability Monitoring," FEDS Notes 2014-08-04, Board of Governors of the Federal Reserve System (U.S.).
    2. Basit Zafar & Theresa Kuchler, 2015. "Expectation Formation," 2015 Meeting Papers 678, Society for Economic Dynamics.
    3. James Crotty, 2008. "Structural Causes of the Global Financial Crisis: A Critical Assessment of the ‘New Financial Architecture’," Working Papers wp180, Political Economy Research Institute, University of Massachusetts at Amherst.
    4. Theresa Kuchler & Basit Zafar, 2015. "Personal experiences and expectations about aggregate outcomes," Staff Reports 748, Federal Reserve Bank of New York.
    5. Broer, Tobias & Kero, Afroditi, 2014. "Collateralisation bubbles when investors disagree about risk," CEPR Discussion Papers 10148, C.E.P.R. Discussion Papers.
    6. Broer, Tobias & Kero, Afroditi, 2021. "Collateralization and asset price bubbles when investors disagree about risk," Journal of Banking & Finance, Elsevier, vol. 128(C).

  19. Gene Amromin & Sujit Chakravorti, 2007. "Debit card and cash usage: a cross-country analysis," Working Paper Series WP-07-04, Federal Reserve Bank of Chicago.

    Cited by:

    1. Tobias Trütsch, 2014. "The Impact of Contactless Payment on Spending," International Journal of Economic Sciences, Prague University of Economics and Business, vol. 2014(4), pages 70-98.
    2. von Kalckreuth, Ulf & Schmidt, Tobias & Stix, Helmut, 2009. "Choosing and using payment instruments: evidence from German microdata," Discussion Paper Series 1: Economic Studies 2009,36, Deutsche Bundesbank.
    3. Rodolfo Maino & Marco Pani, 2024. "Could CBDCs Lead to Cash Extinction? Insights from a “Merchant-Customer” Model," International Advances in Economic Research, Springer;International Atlantic Economic Society, vol. 30(1), pages 21-45, February.
    4. Hyytinen Ari & Takalo Tuomas, 2009. "Consumer Awareness and the Use of Payment Media: Evidence from Young Finnish Consumers," Review of Network Economics, De Gruyter, vol. 8(2), pages 1-25, June.
    5. Nadia Mbazia, 2023. "Do Payment Technology Innovations Affect Currency Demand in Tunisia?," International Journal of Economics and Financial Issues, Econjournals, vol. 13(1), pages 164-171, January.
    6. Serhan Cevik, 2020. "Dirty money: Does the risk of infectious disease lower demand for cash?," International Finance, Wiley Blackwell, vol. 23(3), pages 460-471, December.
    7. Schuh, Scott & Stavins, Joanna, 2010. "Why are (some) consumers (finally) writing fewer checks? The role of payment characteristics," Journal of Banking & Finance, Elsevier, vol. 34(8), pages 1745-1758, August.
    8. Łukasz Goczek & Bartosz Witkowski, 2015. "Determinants of the number of card transactions," Collegium of Economic Analysis Annals, Warsaw School of Economics, Collegium of Economic Analysis, issue 39, pages 199-212.
    9. Jan Cimburek & Pavel Řežábek, 2013. "Currency in Circulation: Reaction in Crises [Hotovost v oběhu: reakce na krizové situace]," Český finanční a účetní časopis, Prague University of Economics and Business, vol. 2013(3), pages 62-72.
    10. Łukasz Goczek & Bartosz Witkowski, 2015. "Card Payments in Poland: Determinants and Prospects," Gospodarka Narodowa. The Polish Journal of Economics, Warsaw School of Economics, issue 3, pages 159-177.
    11. Peter Docherty & G Wang, 2006. "Using Synthetic Data to Measure the Impact of RTGS on Systemic Risk in the Australian Payments System," Working Paper Series 149, Finance Discipline Group, UTS Business School, University of Technology, Sydney.
    12. Goczek, Łukasz & Witkowski, Bartosz, 2015. "Natężenia transakcji bezgotówkowych w Polsce: determinanty i prognozy," Gospodarka Narodowa-The Polish Journal of Economics, Szkoła Główna Handlowa w Warszawie / SGH Warsaw School of Economics, vol. 2015(3), June.
    13. Andrea Mercatanti & Fan Li, 2017. "Do debit cards decrease cash demand?: causal inference and sensitivity analysis using principal stratification," Journal of the Royal Statistical Society Series C, Royal Statistical Society, vol. 66(4), pages 759-776, August.
    14. Fujiki, Hiroshi & Tanaka, Migiwa, 2014. "Currency demand, new technology, and the adoption of electronic money: Micro evidence from Japan," Economics Letters, Elsevier, vol. 125(1), pages 5-8.
    15. Gurgul, Henryk & Suder, Marcin, 2013. "Modeling of Withdrawals from Selected ATMs of the “Euronet” Network," MPRA Paper 68598, University Library of Munich, Germany, revised 2013.
    16. Henryk Gurgul & Marcin Suder, 2013. "The Properties of ATMs Development Stages - an Empirical Analysis," Statistics in Transition new series, Główny Urząd Statystyczny (Polska), vol. 14(3), pages 443-466, September.
    17. Kopsakangas-Savolainen Maria & Takalo Tuomas, 2014. "Competition Before Sunset: The Case of the Finnish ATM Market," Review of Network Economics, De Gruyter, vol. 13(1), pages 1-33, March.
    18. Tobias Truetsch, 2014. "The Impact of Contactless Payment on Spending," Proceedings of International Academic Conferences 0702228, International Institute of Social and Economic Sciences.
    19. Ferry Syarifuddin & Ahmad Hidayat & Tarsidin, 2009. "Dampak Peningkatan Pembayaran Non-Tunai terhadap Perekonomian dan Implikasinya terhadap Pengendalian Moneter di Indonesia," Bulletin of Monetary Economics and Banking, Bank Indonesia, vol. 11(4), pages 369-402, April.
    20. Hiroshi Fujiki & Migiwa Tanaka, 2009. "Demand for Currency, New Technology and the Adoption of Electronic Money: Evidence Using Individual Household Data," IMES Discussion Paper Series 09-E-27, Institute for Monetary and Economic Studies, Bank of Japan.

  20. Gene Amromin & Carrie Jankowski & Richard D. Porter, 2006. "Transforming payment choices by doubling fees on the Illinois tollway," Working Paper Series WP-06-16, Federal Reserve Bank of Chicago.

    Cited by:

    1. Shaista Ahmed & Ron Borzekowski & Elizabeth K. Kiser, 2006. "Consumers' use of debit cards: patterns, preferences, and price response," Finance and Economics Discussion Series 2006-16, Board of Governors of the Federal Reserve System (U.S.).
    2. Ching, Andrew & Hayashi, Fumiko, 2008. "Payment Card Rewards Programs and Consumer Payment Choice," MPRA Paper 8458, University Library of Munich, Germany.
    3. Stavins, Joanna & Shy, Oz, 2015. "Merchant steering of consumer payment choice: Evidence from a 2012 diary survey," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 55(C), pages 1-9.
    4. Fumiko Hayashi, 2012. "Mobile payments: What’s in it for consumers?," Economic Review, Federal Reserve Bank of Kansas City, vol. 97(Q I), pages 35-66.
    5. Wang, Judith Y.T. & Lindsey, Robin & Yang, Hai, 2011. "Nonlinear pricing on private roads with congestion and toll collection costs," Transportation Research Part B: Methodological, Elsevier, vol. 45(1), pages 9-40, January.
    6. Stavins, Joanna, 2018. "Consumer preferences for payment methods: Role of discounts and surcharges," Journal of Banking & Finance, Elsevier, vol. 94(C), pages 35-53.
    7. Joanna Stavins & Huijia Wu, 2017. "Payment discounts and surcharges: the role of consumer preferences," Working Papers 17-4, Federal Reserve Bank of Boston.
    8. Borzekowski, Ron & Kiser, Elizabeth K., 2008. "The choice at the checkout: Quantifying demand across payment instruments," International Journal of Industrial Organization, Elsevier, vol. 26(4), pages 889-902, July.
    9. Kahn, Charles M. & Roberds, William, 2009. "Why pay? An introduction to payments economics," Journal of Financial Intermediation, Elsevier, vol. 18(1), pages 1-23, January.
    10. Marianne Crowe & Scott Schuh & Joanna Stavins, 2006. "Consumer behavior and payment choice: a conference summary," Public Policy Discussion Paper 06-1, Federal Reserve Bank of Boston.

  21. Gene Amromin & Jennifer Huang & Clemens Sialm, 2006. "The tradeoff between mortgage prepayments and tax-deferred retirement savings," Working Paper Series WP-06-05, Federal Reserve Bank of Chicago.

    Cited by:

    1. Nikodem Szumilo & Enrico Vanino, 2021. "Are Government and Bank Loans Substitutes or Complements? Evidence from Spatial Discontinuity in Equity Loans," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 49(3), pages 968-996, September.
    2. Groot, Stefan P.T. & Lejour, Arjan, 2018. "Financial incentives for mortgage prepayment behavior : Evidence from Dutch micro data," Other publications TiSEM 52aa364c-df5d-4628-a9c8-3, Tilburg University, School of Economics and Management.
    3. John Y. Campbell, 2006. "Household Finance," NBER Working Papers 12149, National Bureau of Economic Research, Inc.
    4. Zhang, Dongyang & Wang, Cao & Wang, Yizhi, 2024. "Unveiling the critical nexus: Volatility of crude oil future prices and trade partner’s cash holding behavior in the face of the Russia–Ukraine conflict," Energy Economics, Elsevier, vol. 132(C).
    5. Gum-Ryeong Park & Jinho Kim, 2023. "Trajectories of Life Satisfaction Before and After Homeownership: The Role of Housing Affordability Stress," Journal of Happiness Studies, Springer, vol. 24(1), pages 397-408, January.
    6. Hung Xuan Do & Daniel Rösch & Harald Scheule, 2020. "Liquidity Constraints, Home Equity and Residential Mortgage Losses," The Journal of Real Estate Finance and Economics, Springer, vol. 61(2), pages 208-246, August.
    7. D'Orlando, Fabio & Sanfilippo, Eleonora, 2010. "Behavioral foundations for the Keynesian consumption function," Journal of Economic Psychology, Elsevier, vol. 31(6), pages 1035-1046, December.
    8. Juan Ayuso & Juan F. Jimeno & Ernesto Villanueva, 2007. "The effects of the introduction of tax incentives on retirement savings," Working Papers 0724, Banco de España.
    9. Vincze, János & Koltay, Gábor, 2009. "Fogyasztói döntések a viselkedési közgazdaságtan szemszögéből [Consumer decisions from the angle of behavioural economics]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(6), pages 495-525.
    10. Hyrum Smith & Michael Finke & Sandra Huston, 2012. "Financial Sophistication and Housing Leverage Among Older Households," Journal of Family and Economic Issues, Springer, vol. 33(3), pages 315-327, September.
    11. Anthony Webb, 2009. "Should You Carry A Mortgage Into Retirement," Issues in Brief ib2009-9-15, Center for Retirement Research, revised Jul 2009.
    12. Collins, J. Michael & Hembre, Erik & Urban, Carly, 2020. "Exploring the rise of mortgage borrowing among older Americans," Regional Science and Urban Economics, Elsevier, vol. 83(C).
    13. Callum Jones, 2018. "Household Leverage and the Recession," 2018 Meeting Papers 933, Society for Economic Dynamics.
    14. Bronshtein, Gila & Scott, Jason & Shoven, John B. & Slavov, Sita Nataraj, 2020. "Leaving big money on the table: Arbitrage opportunities in delaying social security," The Quarterly Review of Economics and Finance, Elsevier, vol. 78(C), pages 261-272.
    15. Otto Van Hemert, 2010. "Household Interest Rate Risk Management," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 38(3), pages 467-505, September.
    16. Gene Amromin & Jennifer Huang & Clemens Sialm & Edward Zhong, 2018. "Complex Mortgages [Why don’t lenders renegotiate more home mortgages? Redefaults, self-cures, and securitization]," Review of Finance, European Finance Association, vol. 22(6), pages 1975-2007.
    17. McCollum, Meagan N. & Lee, Hong & Pace, R. Kelley, 2015. "Deleveraging and mortgage curtailment," Journal of Banking & Finance, Elsevier, vol. 60(C), pages 60-75.
    18. Gary V. Engelhardt & Anil Kumar, 2006. "Employer Matching and 401(k) Saving: Evidence from the Health and Retirement Study," NBER Working Papers 12447, National Bureau of Economic Research, Inc.
    19. Poterba, James M. & Sinai, Todd, 2011. "Revenue Costs and Incentive Effects of the Mortgage Interest Deduction for Owner-Occupied Housing," National Tax Journal, National Tax Association;National Tax Journal, vol. 64(2), pages 531-564, June.
    20. Austin J. Drukker & Ted Gayer & Harvey S. Rosen, 2017. "The Mortgage Interest Deduction: Revenue and Distributional Effects," Working Papers 251, Princeton University, Department of Economics, Center for Economic Policy Studies..
    21. Brown, David C. & Cederburg, Scott & O’Doherty, Michael S., 2017. "Tax uncertainty and retirement savings diversification," Journal of Financial Economics, Elsevier, vol. 126(3), pages 689-712.
    22. Ghoddusi, Hamed & Afkhami, Mohamad, 2019. "Valuation of mortgage interest deductibility under uncertainty: An option pricing approach," Journal of Economic Dynamics and Control, Elsevier, vol. 103(C), pages 102-122.
    23. Andersen, Henrik Yde, 2021. "Pension taxation, household debt and the real economy," Nationaløkonomisk tidsskrift, Nationaløkonomisk Forening, vol. 2021(1), pages 1-14.
    24. Karen E Dynan & Donald L Kohn, 2007. "The Rise in US Household Indebtedness: Causes and Consequences," RBA Annual Conference Volume (Discontinued), in: Christopher Kent & Jeremy Lawson (ed.),The Structure and Resilience of the Financial System, Reserve Bank of Australia.
    25. Corina Boar & Denis Gorea & Virgiliu Midrigan, 2022. "Liquidity Constraints in the U.S. Housing Market," The Review of Economic Studies, Review of Economic Studies Ltd, vol. 89(3), pages 1120-1154.
    26. Geng Li & Paul A. Smith, 2008. "Borrowing from yourself: 401(k) loans and household balance sheets," Finance and Economics Discussion Series 2008-42, Board of Governors of the Federal Reserve System (U.S.).
    27. Anson T. Y. Ho & Jie Zhou, 2016. "Housing and Tax-Deferred Retirement Accounts," Staff Working Papers 16-24, Bank of Canada.
    28. Geng Li & Paul A. Smith, 2009. "New evidence on 401(k) borrowing and household balance sheets," Finance and Economics Discussion Series 2009-19, Board of Governors of the Federal Reserve System (U.S.).
    29. Justine S. Hastings & Brigitte C. Madrian & William L. Skimmyhorn, 2013. "Financial Literacy, Financial Education, and Economic Outcomes," Annual Review of Economics, Annual Reviews, vol. 5(1), pages 347-373, May.
    30. Marekwica, Marcel & Schaefer, Alexander & Sebastian, Steffen, 2013. "Life cycle asset allocation in the presence of housing and tax-deferred investing," Journal of Economic Dynamics and Control, Elsevier, vol. 37(6), pages 1110-1125.
    31. Yeorim Kim & Mauro Mastrogiacomo, 2024. "Residual-debt insurance and mortgage repayments," Working Papers 823, DNB.
    32. Achou, Bertrand, 2021. "Housing liquidity and long-term care insurance demand: A quantitative evaluation," Journal of Public Economics, Elsevier, vol. 194(C).
    33. Karen E. Dynan & Donald L. Kohn, 2007. "The rise in U.S. household indebtedness: causes and consequences," Finance and Economics Discussion Series 2007-37, Board of Governors of the Federal Reserve System (U.S.).
    34. Paulo Pereira Silva & Victor Mendes, 2023. "Education and financial mistakes: The case of avoidable trading fees in stock markets," Portuguese Economic Journal, Springer;Instituto Superior de Economia e Gestao, vol. 22(2), pages 173-202, May.
    35. Marina Gómez-García & Ernesto Villanueva, 2022. "The effect of workplace pension schemes on households' private savings," Economic Bulletin, Banco de España, issue 2/2022.
    36. Ross Hikida & Jason Perry, 2020. "FinTech Trends in the United States: Implications for Household Finance," Public Policy Review, Policy Research Institute, Ministry of Finance Japan, vol. 16(4), pages 1-32, August.

  22. Gene Amromin & Paul Harrison & Steven A. Sharpe, 2005. "How did the 2003 dividend tax cut affect stock prices?," Finance and Economics Discussion Series 2005-61, Board of Governors of the Federal Reserve System (U.S.).

    Cited by:

    1. Maul, D. & Schiereck, D., 2017. "The bond event study methodology since 1974," Publications of Darmstadt Technical University, Institute for Business Studies (BWL) 80723, Darmstadt Technical University, Department of Business Administration, Economics and Law, Institute for Business Studies (BWL).
    2. Borgonovo, E. & Gatti, S. & Peccati, L., 2010. "What drives value creation in investment projects? An application of sensitivity analysis to project finance transactions," European Journal of Operational Research, Elsevier, vol. 205(1), pages 227-236, August.
    3. Winter, Christoph & Kraus, Beatrice, 2016. "Do Tax Changes Affect Credit Markets and Financial Frictions? Evidence from Credit Spreads," VfS Annual Conference 2016 (Augsburg): Demographic Change 145636, Verein für Socialpolitik / German Economic Association.
    4. Jesse Edgerton, 2010. "Effects of the 2003 dividend tax cut: evidence from real estate investment trusts," Finance and Economics Discussion Series 2010-34, Board of Governors of the Federal Reserve System (U.S.).
    5. Chay, J.B. & Chong, Byung-Uk & Im, Hyun Joong, 2023. "Dividend taxes and investment efficiency: Evidence from the 2003 U.S. personal taxation reform," Journal of Accounting and Economics, Elsevier, vol. 75(1).
    6. António Miguel Martins, 2025. "Banks stock market reaction to the Italian and Spanish windfall tax announcement: an event study," Journal of Banking Regulation, Palgrave Macmillan, vol. 26(1), pages 54-61, March.
    7. Kang, Minwook & Ye, Lei Sandy, 2023. "Dividend and corporate income taxation with present-biased consumers," Journal of Banking & Finance, Elsevier, vol. 152(C).
    8. Lin, Leming & Flannery, Mark J., 2013. "Do personal taxes affect capital structure? Evidence from the 2003 tax cut," Journal of Financial Economics, Elsevier, vol. 109(2), pages 549-565.
    9. Jeffrey R. Brown & Nellie Liang & Scott Weisbenner, 2007. "Executive Financial Incentives and Payout Policy: Firm Responses to the 2003 Dividend Tax Cut," Journal of Finance, American Finance Association, vol. 62(4), pages 1935-1965, August.
    10. Clemens Sialm, 2006. "Investment Taxes and Equity Returns," NBER Working Papers 12146, National Bureau of Economic Research, Inc.
    11. Alan J. Auerbach & Kevin A. Hassett, 2006. "Dividend Taxes and Firm Valuation: New Evidence," American Economic Review, American Economic Association, vol. 96(2), pages 119-123, May.
    12. Server Demirci & Musa Onur Beskisiz, 2024. "Comparative Analysis of the Effect of Tax Policy on the BIST 100 and Participation 30 Index," Journal of Economic Policy Researches, Istanbul University, Faculty of Economics, vol. 11(1), pages 87-97, January.
    13. Erin E. Syron Ferris, 2015. "Dividend Taxes and Stock Volatility," Finance and Economics Discussion Series 2015-36, Board of Governors of the Federal Reserve System (U.S.).
    14. Jesse Edgerton, 2013. "Four facts about dividend payouts and the 2003 tax cut," International Tax and Public Finance, Springer;International Institute of Public Finance, vol. 20(5), pages 769-784, October.
    15. Atsushi Chino & Joon Ho Kim, 2022. "Does dividend policy affect sales growth in product markets? Evidence from the 2003 dividend tax cut," Financial Management, Financial Management Association International, vol. 51(2), pages 539-571, June.
    16. Masanori Orihara, 2023. "Election-Day Market Reactions to Tax Proposals: Evidence from a Close Vote," Working Papers 2219, Waseda University, Faculty of Political Science and Economics.
    17. Jolana Stejskalova, 2016. "Impact of the information on tax burden on the stock market," MENDELU Working Papers in Business and Economics 2016-62, Mendel University in Brno, Faculty of Business and Economics.
    18. Erin E. Syron Ferris, 2018. "Dividend taxes and stock volatility," International Tax and Public Finance, Springer;International Institute of Public Finance, vol. 25(2), pages 377-403, April.
    19. Richard H. Fosberg, 2012. "The Corporate Effects of Personal Taxation," International Journal of Business and Social Research, MIR Center for Socio-Economic Research, vol. 2(1), pages 1-8, February.
    20. Anthony M. Diercks & William Waller, 2017. "Taxes and the Fed : Theory and Evidence from Equities," Finance and Economics Discussion Series 2017-104, Board of Governors of the Federal Reserve System (U.S.).
    21. Jolana Stejskalová, 2017. "The Impact of Attention to News about Tax Changes on the Stock Market," Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis, Mendel University Press, vol. 65(6), pages 2113-2121.
    22. Andrew C. Chang, 2018. "Nothing is Certain Except Death and Taxes : The Lack of Policy Uncertainty from Expiring \"Temporary\" Taxes," Finance and Economics Discussion Series 2018-041, Board of Governors of the Federal Reserve System (U.S.).
    23. DeYoung, Robert & Jang, Karen Y., 2023. "Testing dividend tax theory: Firm and industry heterogeneity," Journal of Financial Intermediation, Elsevier, vol. 56(C).
    24. Auerbach, Alan J. & Hassett, Kevin A., 2006. "Dividend Taxes and Firm Valuation: New Evidence," Department of Economics, Working Paper Series qt2nt4k6vj, Department of Economics, Institute for Business and Economic Research, UC Berkeley.
    25. Orihara, Masanori, 2024. "Election-day market reactions to tax proposals: Evidence from a close vote," Pacific-Basin Finance Journal, Elsevier, vol. 85(C).
    26. David G. Kenchington, 2019. "Does a change in dividend tax rates in the U.S. affect equity prices of non-U.S. stocks?," Review of Accounting Studies, Springer, vol. 24(2), pages 593-628, June.
    27. Barclay, Michael J. & Heitzman, Shane M. & Smith, Clifford W., 2013. "Debt and taxes: Evidence from the real estate industry," Journal of Corporate Finance, Elsevier, vol. 20(C), pages 74-93.
    28. Josef García Blandón & M?nica Martínez Blasco & Josef Argiles Bosch, 2011. "Ex-Dividend Day Returns when Dividend and Capital Gains are Taxed at the Same Rate," Czech Journal of Economics and Finance (Finance a uver), Charles University Prague, Faculty of Social Sciences, vol. 61(2), pages 140-152, June.
    29. Yishuang Xu & Chung Yim Yiu, 2017. "The Impacts of Tax Reforms on REITs. An International Empirical Study," Academic Journal of Economic Studies, Faculty of Finance, Banking and Accountancy Bucharest,"Dimitrie Cantemir" Christian University Bucharest, vol. 3(1), pages 11-22, March.
    30. Richard H. Fosberg, 2012. "The Corporate Effects of Personal Taxation," International Journal of Business and Social Research, LAR Center Press, vol. 2(1), pages 1-8, February.

  23. Gene Amromin, 2005. "Precautionary savings motives and tax efficiency of household portfolios: an empirical analysis," Finance and Economics Discussion Series 2005-01, Board of Governors of the Federal Reserve System (U.S.).

    Cited by:

    1. Stephen Foerster & Juhani T. Linnainmaa & Brian T. Melzer & Alessandro Previtero, 2017. "Retail Financial Advice: Does One Size Fit All?," Journal of Finance, American Finance Association, vol. 72(4), pages 1441-1482, August.

  24. Gene Amromin & Steven A. Sharpe, 2005. "From the horse's mouth: gauging conditional expected stock returns from investor surveys," Finance and Economics Discussion Series 2005-26, Board of Governors of the Federal Reserve System (U.S.).

    Cited by:

    1. Didier, Tatiana & Lowenkron, Alexandre, 2012. "The current account as a dynamic portfolio choice problem," Journal of the Japanese and International Economies, Elsevier, vol. 26(4), pages 518-541.

Articles

  1. Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff, 2020. "Financial Education versus Costly Counseling: How to Dissuade Borrowers from Choosing Risky Mortgages?," American Economic Journal: Economic Policy, American Economic Association, vol. 12(1), pages 1-32, February.

    Cited by:

    1. Stephen L. Ross & Yuan Wang, 2022. "Mortgage Lenders and the Geographic Concentration of Foreclosures," Working Papers 2022-001, Human Capital and Economic Opportunity Working Group.
    2. Gloria L. Preece & D. Elizabeth Kiss & Maurice MacDonald, 2025. "The role of sustainable financial behaviors, environmental influences, and personal factors in predicting timely mortgage payments: evidence from the great-recession," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 30(1), pages 1-16, March.

  2. Gene Amromin & Jane K. Dokko & Karen E. Dynan, 2020. "Helping Homeowners During the Covid-19 Pandemic: Lessons from the Great Recession," Chicago Fed Letter, Federal Reserve Bank of Chicago, issue 443, June.

    Cited by:

    1. Katharina Allinger & Elisabeth Beckmann, 2021. "Use of loan moratoria by CESEE households: who are the users and how vulnerable are they?," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue Q3/21, pages 7-33.
    2. Hakan Yilmazkuday, 2023. "COVID-19 and housing prices: evidence from U.S. county-level data," Review of Regional Research: Jahrbuch für Regionalwissenschaft, Springer;Gesellschaft für Regionalforschung (GfR), vol. 43(2), pages 241-263, August.

  3. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Zhang, Yan, 2019. "Holdup by Junior Claimholders: Evidence from the Mortgage Market," Journal of Financial and Quantitative Analysis, Cambridge University Press, vol. 54(1), pages 247-274, February.
    See citations under working paper version above.
  4. Sumit Agarwal & Gene Amromin & Itzhak Ben‐David & Serdar Dinc, 2018. "The Politics of Foreclosures," Journal of Finance, American Finance Association, vol. 73(6), pages 2677-2717, December.
    See citations under working paper version above.
  5. Gene Amromin & Mariacristina De Nardi & Karl Schulze, 2018. "Household Inequality and the Consumption Response to Aggregate Real Shocks," Economic Perspectives, Federal Reserve Bank of Chicago, issue 1, pages 1-20.
    See citations under working paper version above.
  6. Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Tomasz Piskorski & Amit Seru, 2017. "Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program," Journal of Political Economy, University of Chicago Press, vol. 125(3), pages 654-712.
    See citations under working paper version above.
  7. Gene Amromin & Benjamin J. Keys & Arthur J. Murton, 2016. "Mortgage Refinancing during the Great Recession: The Role of Credit Scores," Chicago Fed Letter, Federal Reserve Bank of Chicago.

    Cited by:

    1. Benjamin J. Keys & Devin G. Pope & Jaren C. Pope, 2014. "Failure to Refinance," NBER Working Papers 20401, National Bureau of Economic Research, Inc.

  8. Gene Amromin & Janice Eberly, 2016. "Education Financing and Student Lending," Annual Review of Financial Economics, Annual Reviews, vol. 8(1), pages 289-315, October.

    Cited by:

    1. Catherine, Sylvain & Yannelis, Constantine, 2023. "The distributional effects of student loan forgiveness," Journal of Financial Economics, Elsevier, vol. 147(2), pages 297-316.
    2. Michael Dinerstein & Constantine Yannelis & Ching-Tse Chen, 2023. "Debt Moratoria: Evidence from Student Loan Forbearance," NBER Working Papers 31247, National Bureau of Economic Research, Inc.
    3. Boutros, Michael & Clara, Nuno & Gomes, Francisco, 2024. "Borrow now, pay even later: A quantitative analysis of student debt payment plans," Journal of Financial Economics, Elsevier, vol. 159(C).
    4. Michael Boutros & Nuno Clara & Francisco Gomes, 2023. "Borrow Now, Pay Even Later: A Quantitative Analysis of Student Debt Payment Plans," Staff Working Papers 23-54, Bank of Canada.
    5. Holger Mueller & Constantine Yannelis, 2022. "Increasing Enrollment in Income‐Driven Student Loan Repayment Plans: Evidence from the Navient Field Experiment," Journal of Finance, American Finance Association, vol. 77(1), pages 367-402, February.

  9. Gene Amromin & Leslie McGranahan, 2015. "The Great Recession and Credit Trends across Income Groups," American Economic Review, American Economic Association, vol. 105(5), pages 147-153, May.

    Cited by:

    1. Christopher L Foote & Lara Loewenstein & Paul S Willen, 2021. "Cross-Sectional Patterns of Mortgage Debt during the Housing Boom: Evidence and Implications," The Review of Economic Studies, Review of Economic Studies Ltd, vol. 88(1), pages 229-259.
    2. Blumenberg, Evelyn & Siddiq, Fariba & Speroni, Samuel & Wasserman, Jacob L., 2024. "Driving A-loan: Automobile debt, neighborhood race, and the COVID-19 pandemic," Transport Policy, Elsevier, vol. 155(C), pages 321-330.
    3. Rojas, Alejandro, 2021. "Mortgage credit growth for lower-income borrowers during the 2000s housing boom: Evidence and implications," Journal of Empirical Finance, Elsevier, vol. 62(C), pages 220-233.
    4. LaVaughn M. Henry, 2017. "Are Young People Becoming More Risk Averse? An Analysis of Factors Contributing to the Rise in Precautionary Savings Among Young Adults," Business Economics, Palgrave Macmillan;National Association for Business Economics, vol. 52(1), pages 32-40, January.
    5. Arora, Vipin, 2015. "Oil prices and the US economy: Where is the boom?," Economics Discussion Papers 2015-48, Kiel Institute for the World Economy (IfW Kiel).
    6. Doremus, Jacqueline & Helfand, Gloria & Liu, Changzheng & Donahue, Marie & Kahan, Ari & Shelby, Michael, 2019. "Simpler is better: Predicting consumer vehicle purchases in the short run," Energy Policy, Elsevier, vol. 129(C), pages 1404-1415.
    7. Bielskis, Karolis & Lastauskas, Povilas, 2024. "The role of housing market and credit on household consumption dynamics: Evidence from the OECD countries," Journal of Economic Behavior & Organization, Elsevier, vol. 228(C).
    8. Sunder, Aman & Palmer, Lance & Chatterjee, Swarn & Goetz, Joseph, 2024. "Benefits of consistent and comprehensive financial advice during the Great Recession," Journal of Behavioral and Experimental Finance, Elsevier, vol. 41(C).
    9. Blumenberg, Evelyn & Speroni, Samuel & Siddiq, Fariba & Wasserman, Jacob L., 2024. "Putting Automobile Debt on the Map: Race and the Geography of Automobile Debt in California," Transportation Research Part A: Policy and Practice, Elsevier, vol. 190(C).

  10. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2015. "Financial literacy and financial planning: Evidence from India," Journal of Housing Economics, Elsevier, vol. 27(C), pages 4-21.

    Cited by:

    1. Pallavi Dogra & Arun Kaushal & Rishi Raj Sharma, 2023. "Antecedents of the Youngster’s Awareness About Financial Literacy: A Structure Equation Modelling Approach," Vision, , vol. 27(1), pages 48-62, February.
    2. Sangita Choudhary & Mohit Yadav & Anugamini Priya Srivastava, 2024. "Cognitive Biases Among Millennial Indian Investors: Do Personality and Demographic Factors Matter?," FIIB Business Review, , vol. 13(1), pages 106-117, January.
    3. Su, Lanlan & Peng, Yanling & Kong, Rong, 2024. "Financial literacy, farmland mortgage financing, and household entrepreneurship: Empirical evidence from rural China," Journal of Asian Economics, Elsevier, vol. 94(C).
    4. H. Kent Baker & Sweta Tomar & Satish Kumar & Deepak Verma, 2021. "Are Indian professional women financially literate and prepared for retirement?," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(4), pages 1416-1441, December.
    5. Renu Isidore & C. Joe Arun, 2023. "The Moderating Effect of Financial Literacy on the Relationship Between Decision-Making Tools and Equity Returns in the Indian Secondary Equity Market," Revista Finanzas y Politica Economica, Universidad Católica de Colombia, vol. 15(1), pages 185-211.
    6. Bingzheng Chen & Ze Chen, 2023. "Financial Literacy Confidence and Retirement Planning: Evidence from China," Risks, MDPI, vol. 11(2), pages 1-14, February.
    7. Shen, Chung-Hua & Lin, Shih-Jie & Tang, De-Piao & Hsiao, Yu-Jen, 2016. "The relationship between financial disputes and financial literacy," Pacific-Basin Finance Journal, Elsevier, vol. 36(C), pages 46-65.
    8. ISMANTO, Hadi & MUHARAM, Harjum & PANGESTUTI, Irene Rini Demi & WIDIASTUTI, Anna & ROFIQ, Fathur, 2019. "The Nexus Between Financial Literacy And The Credit Status In Indonesia," Studii Financiare (Financial Studies), Centre of Financial and Monetary Research "Victor Slavescu", vol. 23(3), pages 49-65, September.
    9. TAVARES Fernando Oliveira & ALMEIDA Luís Gomes & SOARES Vasco Jorge & TAVARES Vasco Capela, 2022. "Financial literacy: an exploratory analysis in Portugal," Studies in Business and Economics, Lucian Blaga University of Sibiu, Faculty of Economic Sciences, vol. 17(2), pages 252-269, August.
    10. Anu Mohta & V Shunmugasundaram, 2023. "Millennials’ financial literacy and risk behavior: evidence from India," International Review of Economics, Springer;Happiness Economics and Interpersonal Relations (HEIRS), vol. 70(4), pages 419-435, December.
    11. Mohammad Tariqul Islam Khan & Siow-Hooi Tan & Gerald Goh Guan Gan, 2019. "Advanced Financial Literacy of Malaysian Gen Y Investors and Its Consequences," Margin: The Journal of Applied Economic Research, National Council of Applied Economic Research, vol. 13(1), pages 83-108, February.
    12. Tanmoyee Banerjee & Malabika Roy, 2020. "Financial Literacy: An Intra-Household Case Study from West Bengal, India," Studies in Microeconomics, , vol. 8(2), pages 170-193, December.
    13. Ramesh Darbha & Abhilash Ponnam & Rik Paul & S. Sreejesh, 2022. "Discerning the antecedents determining empowerment of life insurance agents: an empirical examination," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 27(4), pages 279-290, December.
    14. Liu Hong Shan & Kenny S. L. Cheah & Serrene Leong, 2023. "Leading Generation Z’s Financial Literacy Through Financial Education: Contemporary Bibliometric and Content Analysis in China," SAGE Open, , vol. 13(3), pages 21582440231, August.
    15. Albert Hizgilov & Jacques Silber, 2020. "On Multidimensional Approaches to Financial Literacy Measurement," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 148(3), pages 787-830, April.
    16. Karina Harjanto, 2022. "The Effect of Economic Incentives, Financial Technology, and Financial Literacy on Millennials' Financial Planning during Covid 19," GATR Journals jfbr202, Global Academy of Training and Research (GATR) Enterprise.
    17. Niu, Geng & Zhou, Yang & Gan, Hongwu, 2020. "Financial literacy and retirement preparation in China," Pacific-Basin Finance Journal, Elsevier, vol. 59(C).
    18. Jyoti Prakash Rath & Samira Patra, 2023. "Financial Literacy in India – A New Way Forward," ComFin Research, Shanlax Journals, vol. 11(2), pages 20-27, April.
    19. Xin Li & Yunjie Wei & Shouyang Wang, 2025. "Household finance research: A systematic bibliometric analysis of evolution, trends, and emerging research directions," Review of Economics of the Household, Springer, vol. 23(2), pages 839-867, June.
    20. Marvin Kapenda, 2023. "An Analysis of Personal Financial Literacy among Teachers in Secondary Schools," International Journal of Research and Scientific Innovation, International Journal of Research and Scientific Innovation (IJRSI), vol. 10(8), pages 226-240, August.
    21. Florian Gerth & Katia Lopez & Krishna Reddy & Vikash Ramiah & Damien Wallace & Glenn Muschert & Alex Frino & Leonie Jooste, 2021. "The Behavioural Aspects of Financial Literacy," JRFM, MDPI, vol. 14(9), pages 1-16, August.

  11. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2014. "Predatory lending and the subprime crisis," Journal of Financial Economics, Elsevier, vol. 113(1), pages 29-52.
    See citations under working paper version above.
  12. Gene Amromin & Steven A. Sharpe, 2014. "From the Horse's Mouth: Economic Conditions and Investor Expectations of Risk and Return," Management Science, INFORMS, vol. 60(4), pages 845-866, April.

    Cited by:

    1. Nicola Gennaioli & Yueran Ma & Andrei Shleifer, 2016. "Expectations and Investment," Working Paper 250941, Harvard University OpenScholar.
    2. Luis Armona & Andreas Fuster & Basit Zafar, 2016. "Home price expectations and behavior: evidence from a randomized information experiment," Staff Reports 798, Federal Reserve Bank of New York.
    3. Francesco Bianchi & Sydney C. Ludvigson & Sai Ma, 2020. "Belief Distortions and Macroeconomic Fluctuations," NBER Working Papers 27406, National Bureau of Economic Research, Inc.
    4. Brückbauer, Frank, 2022. "Do financial market experts know their theory? New evidence from survey data," ZEW Discussion Papers 20-092, ZEW - Leibniz Centre for European Economic Research, revised 2022.
    5. Tilman H. Drerup & Matthias Wibral & Christian Zimpelmann, 2023. "Skewness expectations and portfolio choice," Experimental Economics, Springer;Economic Science Association, vol. 26(1), pages 107-144, March.
    6. Laudenbach, Christine & Loos, Benjamin & Pirschel, Jenny & Wohlfart, Johannes, 2020. "The trading response of individual investors to local bankruptcies," SAFE Working Paper Series 272, Leibniz Institute for Financial Research SAFE.
    7. Zhang, Huajing & Jiang, Fuwei & Liu, Yumin, 2024. "Extrapolative beliefs and return predictability: Evidence from China," Journal of Behavioral and Experimental Finance, Elsevier, vol. 43(C).
    8. Chen, Heng & Li, Xu & Pei, Guangyu & Xin, Qian, 2024. "Heterogeneous overreaction in expectation formation: Evidence and theory," Journal of Economic Theory, Elsevier, vol. 218(C).
    9. Cardak, Buly A. & Martin, Vance L., 2023. "Household willingness to take financial risk: Stockmarket movements and life‐cycle effects," Journal of Banking & Finance, Elsevier, vol. 149(C).
    10. Magnus Dahlquist & Markus Ibert, 2024. "Equity Return Expectations and Portfolios: Evidence from Large Asset Managers," The Review of Financial Studies, Society for Financial Studies, vol. 37(6), pages 1887-1928.
    11. Sarantis Tsiaplias & Qi Zeng & Guay Lim, 2021. "Retail investor expectations and trading preferences," Melbourne Institute Working Paper Series wp2021n27, Melbourne Institute of Applied Economic and Social Research, The University of Melbourne.
    12. Paolo Gelain & Kevin J. Lansing, 2013. "House prices, expectations, and time-varying fundamentals," Working Paper 2013/05, Norges Bank.
    13. Anufriev, Mikhail & Chernulich, Aleksei & Tuinstra, Jan, 2022. "Asset price volatility and investment horizons: An experimental investigation," Journal of Economic Behavior & Organization, Elsevier, vol. 193(C), pages 19-48.
    14. Lansing, Kevin J. & LeRoy, Stephen F. & Ma, Jun, 2022. "Examining the sources of excess return predictability: Stochastic volatility or market inefficiency?," Journal of Economic Behavior & Organization, Elsevier, vol. 197(C), pages 50-72.
    15. Sias, Richard & Starks, Laura T. & Turtle, H.J., 2023. "The negativity bias and perceived return distributions: Evidence from a pandemic," Journal of Financial Economics, Elsevier, vol. 147(3), pages 627-657.
    16. Yoshiyuki Nakazono & Maiko Koga & Tomohiro Sugo, 2018. "Private Information and Analyst Coverage: Evidence from Firm Survey Data," Bank of Japan Working Paper Series 18-E-17, Bank of Japan.
    17. Thomas Berry & Keith Jacks Gamble, 2013. "The Information Content of Investors' Expectations for Risk and Return," Quarterly Journal of Finance (QJF), World Scientific Publishing Co. Pte. Ltd., vol. 3(03n04), pages 1-23.
    18. Heinke, Steve & Olschewski, Sebastian & Rieskamp, Jörg, 2022. "Experiences and Asset Price Dynamics," VfS Annual Conference 2022 (Basel): Big Data in Economics 264017, Verein für Socialpolitik / German Economic Association.
    19. Cassella, Stefano & Chen, Te-Feng & Gulen, Huseyin & Liu, Yan, 2025. "Extracting extrapolative beliefs from market prices: An augmented present-value approach," Journal of Financial Economics, Elsevier, vol. 164(C).
    20. Li, Kai, 2021. "Nonlinear effect of sentiment on momentum," Journal of Economic Dynamics and Control, Elsevier, vol. 133(C).
    21. Jianhong Qi & Kam Ki Tang & Da Yin & Yong Zhao, 2020. "Remaking China’s Global Image with the Belt and Road Initiative: Is the Jury Out?," Discussion Papers Series 635, School of Economics, University of Queensland, Australia.
    22. Dan Li & Geng Li, 2021. "Whose Disagreement Matters? Household Belief Dispersion and Stock Trading Volume [Belief dispersion in the stock market]," Review of Finance, European Finance Association, vol. 25(6), pages 1859-1900.
    23. Bernard, Sabine & Loos, Benjamin & Weber, Martin, 2021. "The disposition effect in boom and bust markets," SAFE Working Paper Series 305, Leibniz Institute for Financial Research SAFE.
    24. Alessandro Bucciol & Raffaele Miniaci & Sergio Pastorello, 2015. "Return Expectations and Risk Aversion Heterogeneity in Household Portfolios," Working Papers 01/2015, University of Verona, Department of Economics.
    25. Christine Laudenbach & Benjamin Loos & Jenny Pirschel & Johannes Wohlfart, 2020. "The Trading Response of Individual Investors to Local Bankruptcies," CESifo Working Paper Series 8191, CESifo.
    26. Tobin Hanspal & Annika Weber & Johannes Wohlfart, 2020. "Exposure to the COVID-19 Stock Market Crash and its Effect on Household Expectations," CEBI working paper series 20-13, University of Copenhagen. Department of Economics. The Center for Economic Behavior and Inequality (CEBI).
    27. Beutel, Johannes & Metiu, Norbert & Stockerl, Valentin, 2021. "Toothless tiger with claws? Financial stability communication, expectations, and risk-taking," Journal of Monetary Economics, Elsevier, vol. 120(C), pages 53-69.
    28. Lansing, Kevin J. & Ma, Jun, 2017. "Explaining exchange rate anomalies in a model with Taylor-rule fundamentals and consistent expectations," Journal of International Money and Finance, Elsevier, vol. 70(C), pages 62-87.
    29. He, Xue-Zhong & Li, Youwei & Zheng, Min, 2019. "Heterogeneous agent models in financial markets: A nonlinear dynamics approach," International Review of Financial Analysis, Elsevier, vol. 62(C), pages 135-149.
    30. Cakici, Nusret & Zaremba, Adam, 2023. "Recency bias and the cross-section of international stock returns," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 84(C).
    31. Merkle, Christoph & Sextroh, Christoph J., 2021. "Value and momentum from investors’ perspective: Evidence from professionals’ risk-ratings," Journal of Empirical Finance, Elsevier, vol. 62(C), pages 159-178.
    32. Lansing, Kevin J., 2024. "Replicating business cycles and asset returns with sentiment and low risk aversion," Journal of Economic Dynamics and Control, Elsevier, vol. 167(C).
    33. Charles, Constantin & Frydman, Cary & Kilic, Mete, 2024. "Insensitive investors," LSE Research Online Documents on Economics 120788, London School of Economics and Political Science, LSE Library.
    34. Anmol Bhandari & Jaroslav Borovicka & Paul Ho, 2019. "Survey Data and Subjective Beliefs in Business Cycle Models," Working Paper 19-14, Federal Reserve Bank of Richmond.
    35. Drerup, Tilman H., 2019. "Eliciting subjective expectations for bivariate outcomes," Journal of Behavioral and Experimental Finance, Elsevier, vol. 23(C), pages 29-45.
    36. Merkle, Christoph, 2017. "Financial overconfidence over time: Foresight, hindsight, and insight of investors," Journal of Banking & Finance, Elsevier, vol. 84(C), pages 68-87.
    37. Li, Kai & Liu, Jun, 2023. "Extrapolative asset pricing," Journal of Economic Theory, Elsevier, vol. 210(C).
    38. Kaplanski, Guy & Levy, Haim & Veld, Chris & Veld-Merkoulova, Yulia, 2016. "Past returns and the perceived Sharpe ratio," Journal of Economic Behavior & Organization, Elsevier, vol. 123(C), pages 149-167.
    39. Luz, Valentin & Schauer, Victor & Viehweger, Martin, 2024. "Beyond preferences: Beliefs in sustainable investing," Journal of Economic Behavior & Organization, Elsevier, vol. 220(C), pages 584-607.
    40. Bouaddi, Mohammed & Moutanabbir, Khouzeima, 2023. "Rational distorted beliefs investor; which risk matters?," Finance Research Letters, Elsevier, vol. 51(C).
    41. Oesinghaus, Andreas, 2024. "Analysts’ extrapolative expectations in the cross-section," Journal of Economics and Business, Elsevier, vol. 130(C).
    42. Laudenbach, Christine & Loos, Benjamin & Pirschel, Jenny & Wohlfart, Johannes, 2021. "The trading response of individual investors to local bankruptcies," Journal of Financial Economics, Elsevier, vol. 142(2), pages 928-953.

  13. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2011. "The role of securitization in mortgage renegotiation," Journal of Financial Economics, Elsevier, vol. 102(3), pages 559-578.
    See citations under working paper version above.
  14. Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff, 2010. "Learning to Cope: Voluntary Financial Education and Loan Performance during a Housing Crisis," American Economic Review, American Economic Association, vol. 100(2), pages 495-500, May.

    Cited by:

    1. French, Declan & McKillop, Donal, 2016. "Financial literacy and over-indebtedness in low-income households," International Review of Financial Analysis, Elsevier, vol. 48(C), pages 1-11.
    2. Agarwal, Sumit & Ben-David, Itzhak & Amromin, Gene & Chomsisengphet, Souphala & Evanoff, Douglas D., 2012. "Predatory Lending and the Subprime Crisis," Working Paper Series 2012-08, Ohio State University, Charles A. Dice Center for Research in Financial Economics.
    3. Tim Kaiser & Lukas Menkhoff, 2017. "Does Financial Education Impact Financial Literacy and Financial Behavior, and If So, When?," The World Bank Economic Review, World Bank, vol. 31(3), pages 611-630.
    4. Agarwal, Sumit & Tantri, Prasanna & Vishen, Nitin, 2025. "Does social capital positively influence loan performance even during a crisis?," Journal of Development Economics, Elsevier, vol. 172(C).
    5. Miller, Margaret & Reichelstein, Julia & Salas, Christian & Zia, Bilal, 2014. "Can you help someone become financially capable ? a meta-analysis of the literature," Policy Research Working Paper Series 6745, The World Bank.
    6. Albertazzi, Ugo & Ongena, Steven & Fringuellotti, Fulvia, 2019. "Fixed rate versus adjustable rate mortgages: evidence from euro area banks," Working Paper Series 2322, European Central Bank.
    7. Pozzi, Andrea & Mistrulli, Paolo Emilio & Guiso, Luigi & Tsoy, Anton & Gambacorta, Leonardo, 2018. "The Cost of Steering in Financial Markets: Evidence from the Mortgage Market," CEPR Discussion Papers 12115, C.E.P.R. Discussion Papers.
    8. Sutter, Matthias & Weyland, Michael & Untertrifaller, Anna & Froitzheim, Manuel & Schneider, Sebastian O., 2023. "Financial Literacy, Experimental Preference Measures and Field Behavior – A Randomized Educational Intervention," IZA Discussion Papers 16102, Institute of Labor Economics (IZA).
    9. Crosetto, P. & Gaudeul, A., 2014. "Testing the strength and robustness of the attraction effect in consumer decision making," Working Papers 2014-04, Grenoble Applied Economics Laboratory (GAEL).
    10. Matthias Sutter & Michael Weyland & Anna Untertrifaller & Manuel Froitzheim, 2020. "Financial Literacy, Risk and Time Preferences - Results from a Randomized Educational Intervention," CESifo Working Paper Series 8489, CESifo.
    11. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2015. "Financial literacy and financial planning: Evidence from India," Journal of Housing Economics, Elsevier, vol. 27(C), pages 4-21.
    12. Nicole Jonker & Anneke Kosse, 2020. "The Interplay of Financial Education, Financial Literacy, Financial Inclusion and Financial Stability: Any Lessons for the Current Big Tech Era?," Staff Working Papers 20-32, Bank of Canada.
    13. Morris Irungu Kariuki PhD, 2022. "Effect of Debt Experiences on The Indebtedness of Employees in The Formal Sector in Kenya," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 6(10), pages 414-423, October.
    14. Anil Kumar, 2014. "Do restrictions on home equity extraction contribute to lower mortgage defaults? evidence from a policy discontinuity at the Texas border," Working Papers 1410, Federal Reserve Bank of Dallas.
    15. Justine Hastings & Christopher A. Neilson & Seth D. Zimmerman, 2015. "The Effects of Earnings Disclosure on College Enrollment Decisions," Working Papers 2015-1, Princeton University. Economics Department..
    16. Kuchler, Theresa & Pagel, Michaela, 2021. "Sticking to your plan: The role of present bias for credit card paydown," Journal of Financial Economics, Elsevier, vol. 139(2), pages 359-388.
    17. John V. Duca & Anil Kumar, 2011. "Financial literacy and mortgage equity withdrawals," Working Papers 1110, Federal Reserve Bank of Dallas.
    18. Gloria L. Preece & D. Elizabeth Kiss & Maurice MacDonald, 2025. "The role of sustainable financial behaviors, environmental influences, and personal factors in predicting timely mortgage payments: evidence from the great-recession," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 30(1), pages 1-16, March.
    19. Crosetto, Paolo & Gaudeul, Alexia, 2012. "Do consumers prefer offers that are easy to compare? An experimental investigation," MPRA Paper 36526, University Library of Munich, Germany.
    20. José J. Cao‐Alvira & Amalia Novoa‐Hoyos & Alexander Núñez‐Torres, 2021. "On the financial literacy, indebtedness, and wealth of Colombian households," Review of Development Economics, Wiley Blackwell, vol. 25(2), pages 978-993, May.
    21. Sumit Agarwal & Gene Amromin & Claudine Gartenberg & Anna L. Paulson & Sriram Villupuram, 2014. "Homebuilders, Affiliated Financing Arms and the Mortgage Crisis," Economic Perspectives, Federal Reserve Bank of Chicago, issue Q II, pages 38-51.
    22. Li, Tianshi & Yang, Tina & Zhu, Jigao, 2022. "Directors’ and officers’ liability insurance: Evidence from independent directors’ voting," Journal of Banking & Finance, Elsevier, vol. 138(C).
    23. Peter de Goeij & Geert Van Campenhout & Marjana SubotiÄ, 2018. "Improving Index Mutual Fund Risk Perception: Increase Financial Literacy or Communicate Better?," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 47(2-3), pages 519-552, July.
    24. Turnbull, Geoffrey K. & van der Vlist, Arno J., 2022. "The price of ignorance: Foreclosures, uninformed buyers and house prices," Journal of Housing Economics, Elsevier, vol. 57(C).
    25. Margarida Abreu & Victor Mendes, 2018. "Do Individual Investors Trade Differently in Different Markets?," Working Papers REM 2018/26, ISEG - Lisbon School of Economics and Management, REM, Universidade de Lisboa.
    26. Nicole Jonker & Anneke Kosse, 2022. "The interplay of financial education, financial inclusion and financial stability and the role of Big Tech," Contemporary Economic Policy, Western Economic Association International, vol. 40(4), pages 612-635, October.
    27. Scott R. Brown, 2016. "The Influence of Homebuyer Education on Default and Foreclosure Risk: A Natural Experiment," Journal of Policy Analysis and Management, John Wiley & Sons, Ltd., vol. 35(1), pages 145-172, January.
    28. Stephanie Moulton & J. Michael Collins & Cäzilia Loibl & Anya Samek, 2015. "Effects of Monitoring on Mortgage Delinquency: Evidence From a Randomized Field Study," Journal of Policy Analysis and Management, John Wiley & Sons, Ltd., vol. 34(1), pages 184-207, January.
    29. Stacy, Christina Plerhoples & Theodos, Brett & Bai, Bing, 2018. "How to prevent mortgage default without skin in the game: Evidence from an integrated homeownership support nonprofit," Journal of Housing Economics, Elsevier, vol. 39(C), pages 17-24.

  15. Gene Amromin & Anna L. Paulson, 2010. "Default rates on prime and subprime mortgages: differences & similarities," Profitwise, Federal Reserve Bank of Chicago, issue Sep, pages 1-10.

    Cited by:

    1. Sapci, Ayse & Vu, Nam, 2017. "Housing Wealth Reallocation Between Subprime and Prime Borrowers During Recessions," Working Papers 2017-03, Department of Economics, Colgate University, revised 19 Sep 2017.
    2. Gill, Balbinder Singh, 2024. "COVID-19 mortality risk premium and the interest rate on mortgage loans," International Review of Financial Analysis, Elsevier, vol. 93(C).
    3. Anna Grodecka‐Messi, 2019. "Subprime borrowers, securitization and the transmission of business cycles," Canadian Journal of Economics/Revue canadienne d'économique, John Wiley & Sons, vol. 52(4), pages 1600-1654, November.
    4. Gornall, Will & Strebulaev, Ilya A., 2018. "Financing as a supply chain: The capital structure of banks and borrowers," Journal of Financial Economics, Elsevier, vol. 129(3), pages 510-530.

  16. Gene Amromin & Sujit Chakravorti, 2009. "Whither Loose Change? The Diminishing Demand for Small-Denomination Currency," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 41(2-3), pages 315-335, March.

    Cited by:

    1. Kosse, Anneke & Jansen, David-Jan, 2013. "Choosing how to pay: The influence of foreign backgrounds," Journal of Banking & Finance, Elsevier, vol. 37(3), pages 989-998.
    2. John Bagnall & David Bounie & Kim P. Huynh & Anneke Kosse & Tobias Schmidt & Scott Schuh & Helmut Stix, 2014. "Consumer cash usage: a cross-country comparison with payment diary survey data," Working Papers 14-4, Federal Reserve Bank of Boston.
    3. Huynh, Kim P. & Schmidt-Dengler, Philipp & Stix, Helmut, 2014. "Whenever and Wherever: The Role of Card Acceptance in the Transaction Demand for Money," Discussion Paper Series of SFB/TR 15 Governance and the Efficiency of Economic Systems 472, Free University of Berlin, Humboldt University of Berlin, University of Bonn, University of Mannheim, University of Munich.
    4. Jeff Allen & Santiago Carbo-Valverde & Sujit Chakravorti & Francisco Rodriguez-Fernandez & Oya Pinar Ardic, 2022. "Assessing incentives to increase digital payment acceptance and usage: A machine learning approach," PLOS ONE, Public Library of Science, vol. 17(11), pages 1-29, November.
    5. Payam MOHAMMAD ALIHA & Tamat SARMIDI & Fathin FAIZAH SAID, 2020. "Investigating The Impact Of Atm And Pos Terminals On Money Demand In Nine European Countries In The Context Of A Random Effect Model As The Appropriate Panel Data Model," Regional Science Inquiry, Hellenic Association of Regional Scientists, vol. 0(2), pages 31-41, June.
    6. Laine, Liisa T. & Ma, Ching-to Albert, 2017. "Quality and competition between public and private firms," Journal of Economic Behavior & Organization, Elsevier, vol. 140(C), pages 336-353.
    7. Francesco Flaviano Russo, 2022. "Cash thresholds, cash expenditure and tax evasion," Fiscal Studies, John Wiley & Sons, vol. 43(4), pages 387-403, December.
    8. Franz Seitz & Hans-Eggert Reimers & Friedrich Schneider, 2018. "Cash in Circulation and the Shadow Economy: An Empirical Investigation for Euro Area Countries and Beyond," CESifo Working Paper Series 7143, CESifo.
    9. Engert, Walter & Fung, Ben & Segendorf, Björn, 2019. "A Tale of Two Countries: Cash Demand in Canada and Sweden," Working Paper Series 376, Sveriges Riksbank (Central Bank of Sweden).
    10. Ramírez, Juan & Vásquez, José & Pereda, Javier, 2015. "Determinants of the Demand for Cash in Peru: A Non Linear Approach," Working Papers 2015-006, Banco Central de Reserva del Perú.
    11. Ashworth, J. & Goodhart, C. A. E., 2020. "The surprising recovery of currency usage," LSE Research Online Documents on Economics 105303, London School of Economics and Political Science, LSE Library.
    12. Immordino, Giovanni & Russo, Francesco Flaviano, 2018. "Cashless payments and tax evasion," European Journal of Political Economy, Elsevier, vol. 55(C), pages 36-43.
    13. Sergei Koulayev & Marc Rysman & Scott Schuh & Joanna Stavins, 2016. "Explaining adoption and use of payment instruments by US consumers," RAND Journal of Economics, RAND Corporation, vol. 47(2), pages 293-325, May.
    14. Tamás Briglevics & Scott Schuh, 2020. "This Is What's in Your Wallet...and Here's How You Use It," Working Papers 20-04, Department of Economics, West Virginia University.
    15. António Rua, 2019. "Modelling the Demand for Euro Banknotes," Working Papers w201905, Banco de Portugal, Economics and Research Department.
    16. Carbó-Valverde, Santiago & Liñares-Zegarra, José M., 2011. "How effective are rewards programs in promoting payment card usage? Empirical evidence," Journal of Banking & Finance, Elsevier, vol. 35(12), pages 3275-3291.
    17. Jobst, Clemens & Stix, Helmut, 2017. "Assessing recent increases in cash demand," International Cash Conference 2017 – War on Cash: Is there a Future for Cash? 162916, Deutsche Bundesbank.
    18. Heng Chen & Marie-Hélène Felt & Kim Huynh, 2014. "Retail Payment Innovations and Cash Usage: Accounting for Attrition Using Refreshment Samples," Staff Working Papers 14-27, Bank of Canada.
    19. Cronin, David, 2021. "Whither Cash in Payments?," Quarterly Bulletin Articles, Central Bank of Ireland, pages 64-87, January.
    20. Kim Huynh & Philipp Schmidt-Dengler & Helmut Stix, 2014. "The Role of Card Acceptance in the Transaction Demand for Money," Staff Working Papers 14-44, Bank of Canada.
    21. Dominika Kolcunova & Tomas Havranek, 2018. "Estimating the Effective Lower Bound for the Czech National Bank’s Policy Rate," Working Papers IES 2018/22, Charles University Prague, Faculty of Social Sciences, Institute of Economic Studies, revised Sep 2018.
    22. Schneider, Friedrich, 2017. "Restricting or Abolishing Cash: An Effective Instrument for Fighting the Shadow Economy, Crime and Terrorism?," International Cash Conference 2017 – War on Cash: Is there a Future for Cash? 162914, Deutsche Bundesbank.
    23. António Rua, 2017. "Modelling currency demand in a small open economy within a monetary union," Working Papers w201710, Banco de Portugal, Economics and Research Department.
    24. Humphrey, David B., 2010. "Retail payments: New contributions, empirical results, and unanswered questions," Journal of Banking & Finance, Elsevier, vol. 34(8), pages 1729-1737, August.
    25. Prescott, Brian C. & Shy, Oz, 2023. "Cash payments and the penny policy debate," Journal of Economic Behavior & Organization, Elsevier, vol. 208(C), pages 80-94.
    26. Hans-Eggert Reimers & Friedrich Schneider & Franz Seitz, 2020. "Payment Innovations, the Shadow Economy and Cash Demand of Households in Euro Area Countries," CESifo Working Paper Series 8574, CESifo.
    27. Martin Hauptfleisch, 2019. "Financial Decision-Making Using Data," PhD Thesis, Finance Discipline Group, UTS Business School, University of Technology, Sydney, number 6-2019, January-A.
    28. Jonathan Ashworth & Charles A.E. Goodhart, 2020. "The Surprising Recovery of Currency Usage," International Journal of Central Banking, International Journal of Central Banking, vol. 16(3), pages 239-277, June.
    29. Iftekhar Hasan & Heiko Schmiedel & Liang Song, 2012. "Returns to Retail Banking and Payments," Journal of Financial Services Research, Springer;Western Finance Association, vol. 41(3), pages 163-195, June.
    30. Camila Figueroa & Michael Pedersen, 2017. "Forecasting Demand for Denominations of Chilean Coins and Banknotes," Working Papers Central Bank of Chile 799, Central Bank of Chile.
    31. Ilona Skibińska-Fabrowska & Małgorzata Czuchryta & Adrian Żak, 2023. "The relationship between payment inclusion and the demand for cash," Bank i Kredyt, Narodowy Bank Polski, vol. 54(4), pages 365-388.
    32. Carbó-Valverde, Santiago & Cuadros-Solas, Pedro J. & Rodríguez-Fernández, Francisco & Sánchez-Béjar, José Juan, 2023. "Mobility restrictions and payment choices: The case of the Covid-19 pandemic," Journal of Behavioral and Experimental Finance, Elsevier, vol. 40(C).
    33. Jeff Allen & Santiago Carbo Valverde & Sujit Chakravorti & Francisco Rodriguez-Fernandez & Oya Pinar Ardic, 2022. "Assessing Incentives to Increase Digital Payment Acceptance and Usage," World Bank Publications - Books, The World Bank Group, number 37487.
    34. Claussen, Carl Andreas & Segendorff, Björn & Seitz, Franz, 2023. "Cash for Transactions or Store-of-Value? A comparative study on Sweden and peer countries," Working Paper Series 427, Sveriges Riksbank (Central Bank of Sweden).
    35. Constanza Martínez Ventura, 2019. "El uso de efectivo y tarjetas débito como instrumentos de pago en Colombia," Revista Lecturas de Economía, Universidad de Antioquia, CIE, issue 90, pages 71-95.
    36. Kosse, Anneke, 2013. "Do newspaper articles on card fraud affect debit card usage?," Journal of Banking & Finance, Elsevier, vol. 37(12), pages 5382-5391.
    37. Carlos A. Arango-Arango & Nicolás F. Suárez-Ariza, 2019. "Digital Payments Adoption and the Demand for Cash: New International Evidence," Borradores de Economia 1074, Banco de la Republica de Colombia.
    38. Francesco Flaviano Russo, 2020. "Cash Thresholds, Cash Expenditure and Tax Evasion," CSEF Working Papers 579, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
    39. Luca Baldo & Elisa Bonifacio & Marco Brandi & Michelina Lo Russo & Gianluca Maddaloni & Andrea Nobili & Giorgia Rocco & Gabriele Sene & Massimo Valentini, 2021. "Inside the black box: tools for understanding cash circulation," Mercati, infrastrutture, sistemi di pagamento (Markets, Infrastructures, Payment Systems) 7, Bank of Italy, Directorate General for Markets and Payment System.
    40. Tobias Trütsch, 2020. "The impact of contactless payment on cash usage at an early stage of diffusion," Swiss Journal of Economics and Statistics, Springer;Swiss Society of Economics and Statistics, vol. 156(1), pages 1-35, December.
    41. Constanza Martínez Ventura, 2019. "The use of cash and debit cards as payment instruments in Colombia," Lecturas de Economía, Universidad de Antioquia, Departamento de Economía, issue 90, pages 71-95, Enero - J.
    42. Columba, Francesco, 2009. "Narrow money and transaction technology: new disaggregated evidence," MPRA Paper 12689, University Library of Munich, Germany.
    43. Martikainen, Emmi & Schmiedel, Heiko & Takalo, Tuomas, 2015. "Convergence of European retail payments," Journal of Banking & Finance, Elsevier, vol. 50(C), pages 81-91.
    44. Fujiki, Hiroshi & Tanaka, Migiwa, 2018. "How do we choose to pay using evolving retail payment technologies? Evidence from Japan," Journal of the Japanese and International Economies, Elsevier, vol. 49(C), pages 85-99.
    45. Geoffrey R. Dunbar, 2014. "Demographics and the Demand for Currency," Staff Working Papers 14-59, Bank of Canada.
    46. Lalouette, Laure & Zamora-Pérez, Alejandro & Rusu, Codruta & Bartzsch, Nikolaus & Politronacci, Emmanuelle & Delmas, Martial & Rua, António & Brandi, Marco & Naksi, Martti, 2021. "Foreign demand for euro banknotes," Occasional Paper Series 253, European Central Bank.
    47. Filotto, Umberto & Salerno, Dario & Sampagnaro, Gabriele & Stella, Gian Paolo, 2024. "Riding the wave of change: Buy now, pay later as a disruptive threat to payment cards in the global market," Research in International Business and Finance, Elsevier, vol. 72(PA).
    48. Bartzsch, Nikolaus & Seitz, Franz & Setzer, Ralph, 2015. "The demand for euro banknotes in Germany: Structural modelling and forecasting," MPRA Paper 64949, University Library of Munich, Germany.
    49. Gustavo A. Del Angel, 2016. "Cashless Payments and the Persistence of Cash: Open Questions About Mexico," Economics Working Papers 16108, Hoover Institution, Stanford University.
    50. Assenmacher, Katrin & Seitz, Franz & Tenhofen, Jörn, 2017. "The use of large denomination banknotes in Switzerland," International Cash Conference 2017 – War on Cash: Is there a Future for Cash? 162917, Deutsche Bundesbank.
    51. Temwa Joshua Kaluba. & Benjamin Kaira, 2024. "Impact of Financial Inclusion in Line with Mobile Money on Currency in Circulation," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 8(9), pages 3593-3604, September.
    52. Bolt, Wilko & Schmiedel, Heiko, 2009. "SEPA, efficiency, and payment card competition," Working Paper Series 1140, European Central Bank.
    53. Jeffrey S. Allen, 2024. "Pay it forward (digitally): sizing up the global impact of electronic wages on digital payment usage," Journal of Economics and Finance, Springer;Academy of Economics and Finance, vol. 48(1), pages 107-128, March.
    54. Guha, Brishti, 2013. "Guns and crime revisited," Journal of Economic Behavior & Organization, Elsevier, vol. 94(C), pages 1-10.
    55. Antón, Arturo & Hernández-Trillo, Fausto & Ventosa-Santaulària, Daniel, 2021. "(In)Effective tax enforcement and demand for cash," Journal of Macroeconomics, Elsevier, vol. 70(C).
    56. Armelius, Hanna & Claussen, Carl Andreas & Reslow, André, 2020. "Withering Cash: Is Sweden ahead of the curve or just special?," Working Paper Series 393, Sveriges Riksbank (Central Bank of Sweden).
    57. Liñares-Zegarra, José M. & Willesson, Magnus, 2021. "The effects of negative interest rates on cash usage: Evidence for EU countries," Economics Letters, Elsevier, vol. 198(C).
    58. Nyanamba, Steve Ondieki,, 2020. "Effect of Small Denominations of Kenyan Currency on the Economy," International Journal of Research and Scientific Innovation, International Journal of Research and Scientific Innovation (IJRSI), vol. 7(9), pages 206-210, September.
    59. Schuh, Scott & Briglevics, Tamás, 2014. "U.S. consumer demand for cash in the era of low interest rates and electronic payments," Working Paper Series 1660, European Central Bank.
    60. Tarna Silue, 2021. "E-money, Financial Inclusion and Mobile Money Tax in Sub-Saharan African Mobile Networks," Working Papers hal-03281898, HAL.
    61. Ann Shawing Yang, 2015. "Lottery Payment Cards: A Study of Mental Accounting," Intelligent Systems in Accounting, Finance and Management, John Wiley & Sons, Ltd., vol. 22(3), pages 201-226, July.
    62. Tobias Trütsch, 2016. "The impact of mobile payment on payment choice," Financial Markets and Portfolio Management, Springer;Swiss Society for Financial Market Research, vol. 30(3), pages 299-336, August.
    63. Santiago Carbó-Valverde & Francisco Rodríguez-Fernández, 2014. "ATM withdrawals, debit card transactions at the point of sale and the demand for currency," SERIEs: Journal of the Spanish Economic Association, Springer;Spanish Economic Association, vol. 5(4), pages 399-417, November.
    64. Tom Cusbert & Thomas Rohling, 2013. "Currency Demand during the Global Financial Crisis: Evidence from Australia," RBA Research Discussion Papers rdp2013-01, Reserve Bank of Australia.
    65. Ben Fung & Kim Huynh & Leonard Sabetti, 2012. "The Impact of Retail Payment Innovations on Cash Usage," Staff Working Papers 12-14, Bank of Canada.
    66. Camila Figueroa S. & Michael Pedersen, 2019. "A system for forecasting Chilean cash demand – the role of forecast combinations," Journal Economía Chilena (The Chilean Economy), Central Bank of Chile, vol. 22(2), pages 040-068, August.
    67. Arkadiusz Manikowski, 2017. "Analysis of the denomination structure of the Polish currency in the context of the launch of the new 500 zloty banknote," Bank i Kredyt, Narodowy Bank Polski, vol. 48(5), pages 495-530.
    68. Jobst, Clemens & Stix, Helmut, 2017. "Doomed to Disappear? The Surprising Return of Cash Across Time and Across Countries," CEPR Discussion Papers 12327, C.E.P.R. Discussion Papers.
    69. Arango, Carlos & Huynh, Kim P. & Sabetti, Leonard, 2015. "Consumer payment choice: Merchant card acceptance versus pricing incentives," Journal of Banking & Finance, Elsevier, vol. 55(C), pages 130-141.
    70. Yulia Titova & Delia Cornea & Sébastien Lemeunier, 2021. "What Factors Keep Cash Alive in the European Union?," De Economist, Springer, vol. 169(3), pages 291-317, August.
    71. Hasan, Iftekhar & Schmiedel, Heiko & Song, Liang, 2010. "Return from retail banking and payments," Bank of Finland Research Discussion Papers 3/2010, Bank of Finland.

  17. Gene Amromin & Anna L. Paulson, 2009. "Comparing patterns of default among prime and subprime mortgages," Economic Perspectives, Federal Reserve Bank of Chicago, vol. 33(Q II), pages 18-37.

    Cited by:

    1. Andrew R. Sanderford & George A. Overstreet & Peter A. Beling & Kanshukan Rajaratnam, 2015. "Energy-efficient homes and mortgage risk: crossing the chasm at last?," Environment Systems and Decisions, Springer, vol. 35(1), pages 157-168, March.
    2. Raffaella Calabrese & Timothy Dombrowski & Antoine Mandel & R. Kelley Pace & Luca Zanin, 2024. "Impacts of extreme weather events on mortgage risks and their evolution under climate change: A case study on Florida," Post-Print halshs-04409393, HAL.
    3. Thomas Schelkle, 2018. "Mortgage Default during the U.S. Mortgage Crisis," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 50(6), pages 1101-1137, September.
    4. Yaseen Ghulam & Kamini Dhruva & Sana Naseem & Sophie Hill, 2018. "The Interaction of Borrower and Loan Characteristics in Predicting Risks of Subprime Automobile Loans," Risks, MDPI, vol. 6(3), pages 1-21, September.
    5. Michael Thornley, 2016. "Financial stability risks from housing market cycles," Reserve Bank of New Zealand Bulletin, Reserve Bank of New Zealand, vol. 79, pages 1-16, July.
    6. Yamout, Nadine, 2023. "Securitization of subprime credit and the propagation of housing shocks," Journal of Economics and Business, Elsevier, vol. 125.
    7. Yuliya Demyanyk, 2014. "The Impact of Missed Payments and Foreclosures on Credit Scores," Working Papers (Old Series) 1423, Federal Reserve Bank of Cleveland.
    8. Yaseen Ghulam & Sophie Hill, 2017. "Distinguishing between Good and Bad Subprime Auto Loans Borrowers: The Role of Demographic, Region and Loan Characteristics," Review of Economics & Finance, Better Advances Press, Canada, vol. 10, pages 49-62, November.
    9. Lee, Yongwoong & Rösch, Daniel & Scheule, Harald, 2016. "Accuracy of mortgage portfolio risk forecasts during financial crises," European Journal of Operational Research, Elsevier, vol. 249(2), pages 440-456.
    10. Lee, Yongwoong & Rösch, Daniel & Scheule, Harald, 2021. "Systematic credit risk in securitised mortgage portfolios," Journal of Banking & Finance, Elsevier, vol. 122(C).
    11. Marius Ascheberg & Robert A. Jarrow & Holger Kraft & Yildiray Yildirim, 2014. "Government Policies, Residential Mortgage Defaults and the Boom and Bust Cycle of Housing Prices," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 42(3), pages 627-661, September.
    12. Thi Mai Luong & Harald Scheule & Nitya Wanzare, 2023. "Impact of mortgage soft information in loan pricing on default prediction using machine learning," International Review of Finance, International Review of Finance Ltd., vol. 23(1), pages 158-186, March.
    13. Anne Davlin & Edward Simpson Prescott & Sonya Ravindranath Waddell, 2011. "A regional look at the role of house prices and labor market conditions in mortgage default," Economic Quarterly, Federal Reserve Bank of Richmond, vol. 97(1Q), pages 1-43.
    14. Kyungsoon Wang, 2019. "Housing market resilience: Neighbourhood and metropolitan factors explaining resilience before and after the US housing crisis," Urban Studies, Urban Studies Journal Limited, vol. 56(13), pages 2688-2708, October.
    15. Do, Hung Xuan & Rösch, Daniel & Scheule, Harald, 2018. "Predicting loss severities for residential mortgage loans: A three-step selection approach," European Journal of Operational Research, Elsevier, vol. 270(1), pages 246-259.
    16. Atif Mian & Amir Sufi, 2015. "Household Debt and Defaults from 2000 to 2010: Facts from Credit Bureau Data," NBER Working Papers 21203, National Bureau of Economic Research, Inc.

  18. Gene Amromin & Steven A. Sharpe, 2009. "Expectations of risk and return among household investors: Are their Sharpe ratios countercyclical?," Proceedings, Federal Reserve Bank of San Francisco, issue jan.

    Cited by:

    1. Dittmann, Ingolf & Montone, Maurizio & Zhu, Yuhao, 2023. "Wage gap and stock returns: Do investors dislike pay inequality?," Journal of Corporate Finance, Elsevier, vol. 78(C).
    2. Constantinos Antoniou & John A. Doukas & Avanidhar Subrahmanyam, 2016. "Investor Sentiment, Beta, and the Cost of Equity Capital," Management Science, INFORMS, vol. 62(2), pages 347-367, February.
    3. Merkle, Christoph & Weber, Martin, 2014. "Do investors put their money where their mouth is? Stock market expectations and investing behavior," Journal of Banking & Finance, Elsevier, vol. 46(C), pages 372-386.
    4. Apergis, Nicholas, 2015. "Financial portfolio choice: Do business cycle regimes matter? Panel evidence from international household surveys," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 34(C), pages 14-27.
    5. Jacobsen, Ben & Lee, John B. & Marquering, Wessel & Zhang, Cherry Y., 2014. "Gender differences in optimism and asset allocation," Journal of Economic Behavior & Organization, Elsevier, vol. 107(PB), pages 630-651.
    6. Montone, Maurizio, 2022. "Does the U.S. president affect the stock market?," Journal of Financial Markets, Elsevier, vol. 61(C).

  19. Gene Amromin & Paul Harrison & Steven Sharpe, 2008. "How Did the 2003 Dividend Tax Cut Affect Stock Prices?," Financial Management, Financial Management Association International, vol. 37(4), pages 625-646, December.
    See citations under working paper version above.
  20. Amromin, Gene & Huang, Jennifer & Sialm, Clemens, 2007. "The tradeoff between mortgage prepayments and tax-deferred retirement savings," Journal of Public Economics, Elsevier, vol. 91(10), pages 2014-2040, November.
    See citations under working paper version above.
  21. Gene Amromin & Carrie Jankowski & Richard D. Porter, 2006. "Inducing more efficient payment on the Illinois Tollway," Chicago Fed Letter, Federal Reserve Bank of Chicago, issue Apr.

    Cited by:

    1. Sujit Chakravorti & Victor Lubasi, 2006. "Payment instrument choice: the case of prepaid cards," Economic Perspectives, Federal Reserve Bank of Chicago, vol. 30(Q II), pages 29-43.

  22. Gene Amromin & Steven A. Sharpe, 2005. "From the horse’s mouth: gauging conditional expected stock returns from investor surveys," Proceedings, Board of Governors of the Federal Reserve System (U.S.).
    See citations under working paper version above.
  23. Gene Amromin & Carrie Jankowski & Richard D. Porter, 2005. "Transforming payment choices by doubling fees on the Illinois Tollway," Conference Series ; [Proceedings], Federal Reserve Bank of Boston.
    See citations under working paper version above.
  24. Amromin, Gene & Liang, Nellie, 2003. "Hedging Employee Stock Options, Corporate Taxes, and Debt," National Tax Journal, National Tax Association;National Tax Journal, vol. 56(3), pages 513-533, September.

    Cited by:

    1. Lars P. Feld & Jost Henrich Heckemeyer & Michael Overesch, 2011. "Capital Structure Choice and Company Taxation: A Meta-Study," CESifo Working Paper Series 3400, CESifo.

  25. Gene Amromin, 2003. "Household Portfolio Choices in Taxable and Tax-Deferred Accounts: Another Puzzle?," Review of Finance, Springer, vol. 7(3), pages 547-582.

    Cited by:

    1. Adam M. Lavecchia, 2019. ""Back-Loaded" Tax Subsidies for Saving, Asset Location and Crowd-Out: Evidence from Tax-Free Savings Accounts," Department of Economics Working Papers 2019-04, McMaster University.
    2. Garlappi, Lorenzo & Huang, Jennifer, 2006. "Are stocks desirable in tax-deferred accounts?," Journal of Public Economics, Elsevier, vol. 90(12), pages 2257-2283, December.
    3. Zhou, Jie, 2009. "The asset location puzzle: Taxes matter," Journal of Economic Dynamics and Control, Elsevier, vol. 33(4), pages 955-969, April.
    4. Yothin Jinjarak & Jie Zhou, 2011. "New Evidence on Asset Location from the Survey of Consumer Finances," Public Finance Review, , vol. 39(4), pages 594-615, July.
    5. Gene Amromin, 2008. "Precautionary Savings Motives and Tax Efficiency of Household Portfolios: An Empirical Analysis," NBER Chapters, in: Tax Policy and the Economy, Volume 22, pages 5-41, National Bureau of Economic Research, Inc.
    6. Chai, Jingjing & Horneff, Wolfram & Maurer, Raimond & Mitchell, Olivia S., 2011. "Optimal Portfolio Choice over the Life-Cycle with Flexible Work, Endogenous Retirement, and Lifetime Payouts," Working Papers 11-43, University of Pennsylvania, Wharton School, Weiss Center.
    7. Le Blanc, Julia & Scholl, Almuth, 2011. "Optimal savings for retirement: The role of individual accounts and disaster expectations," Discussion Paper Series 1: Economic Studies 2011,33, Deutsche Bundesbank.
    8. Timothy Jun Lu & Olivia S. Mitchell, 2010. "Borrowing from Yourself: The Determinants of 401(k) Loan Patterns," Working Papers wp221, University of Michigan, Michigan Retirement Research Center.
    9. James Choi & David Laibson & Brigitte Madrian, 2008. "$100 Bills on the Sidewalk: Suboptimal Investment in 401(K) Plans," Yale School of Management Working Papers amz2519, Yale School of Management, revised 01 Jul 2009.
    10. Ebrahim, M. Shahid & Mathur, Ike & ap Gwilym, Rhys, 2014. "Integrating corporate ownership and pension fund structures: A general equilibrium approach," Journal of Banking & Finance, Elsevier, vol. 49(C), pages 553-569.
    11. Fischer, Marcel & Kraft, Holger & Munk, Claus, 2013. "Asset allocation over the life cycle: How much do taxes matter?," Journal of Economic Dynamics and Control, Elsevier, vol. 37(11), pages 2217-2240.
    12. Jonathan Huntley & Valentina Michelangeli, 2011. "Can Tax Rebates Stimulate Consumption Spending in a Life-Cycle Model? (Working Paper 2011-02)," Working Papers 41581, Congressional Budget Office.
    13. Fischer, Marcel & Jensen, Bjarne Astrup & Koch, Marlene, 2023. "Optimal retirement savings over the life cycle: A deterministic analysis in closed form," Insurance: Mathematics and Economics, Elsevier, vol. 112(C), pages 48-58.
    14. Julia Le Blanc & Almuth Scholl, 2015. "Optimal Savings for Retirement: The Role of Individual Accounts," Working Paper Series of the Department of Economics, University of Konstanz 2015-10, Department of Economics, University of Konstanz.
    15. Geng Li & Paul A. Smith, 2008. "Borrowing from yourself: 401(k) loans and household balance sheets," Finance and Economics Discussion Series 2008-42, Board of Governors of the Federal Reserve System (U.S.).
    16. Katarzyna Romaniuk, 2013. "Pension fund taxation and risk-taking: should we switch from the EET to the TEE regime?," Annals of Finance, Springer, vol. 9(4), pages 573-588, November.
    17. Anson T. Y. Ho & Jie Zhou, 2016. "Housing and Tax-Deferred Retirement Accounts," Staff Working Papers 16-24, Bank of Canada.
    18. Astrup Jensen, Bjarne & Marekwica, Marcel, 2011. "Optimal portfolio choice with wash sale constraints," Journal of Economic Dynamics and Control, Elsevier, vol. 35(11), pages 1916-1937.
    19. Geng Li & Paul A. Smith, 2009. "New evidence on 401(k) borrowing and household balance sheets," Finance and Economics Discussion Series 2009-19, Board of Governors of the Federal Reserve System (U.S.).
    20. Marekwica, Marcel & Schaefer, Alexander & Sebastian, Steffen, 2013. "Life cycle asset allocation in the presence of housing and tax-deferred investing," Journal of Economic Dynamics and Control, Elsevier, vol. 37(6), pages 1110-1125.
    21. Marekwica, Marcel, 2012. "Optimal tax-timing and asset allocation when tax rebates on capital losses are limited," Journal of Banking & Finance, Elsevier, vol. 36(7), pages 2048-2063.
    22. Ho, Anson T.Y., 2017. "Tax-deferred saving accounts: Heterogeneity and policy reforms," European Economic Review, Elsevier, vol. 97(C), pages 26-41.

  26. Amromin, Gene & Smith, Paul, 2003. "What Explains Early Withdrawals From Retirement Accounts? Evidence From a Panel of Taxpayers," National Tax Journal, National Tax Association;National Tax Journal, vol. 56(3), pages 595-612, September.

    Cited by:

    1. Wang-Ly, Nathan & Newell, Ben R., 2022. "Allowing early access to retirement savings: Lessons from Australia," Economic Analysis and Policy, Elsevier, vol. 75(C), pages 716-733.
    2. Sumit Agarwal & Jessica Pan & Wenlan Qian, 2020. "Age of Decision: Pension Savings Withdrawal and Consumption and Debt Response," Management Science, INFORMS, vol. 66(1), pages 43-69, January.
    3. Bateman, Hazel & Dobrescu, Loretti I. & Liu, Junhao & Newell, Ben R. & Thorp, Susan, 2023. "Determinants of early-access to retirement savings: Lessons from the COVID-19 pandemic," The Journal of the Economics of Ageing, Elsevier, vol. 24(C).
    4. Jeffrey R. Brown & Zoran Ivkovich & Paul A. Smith & Scott Weisbenner, 2004. "The Geography of Stock Market Participation: The Influence of Communities and Local Firms," NBER Working Papers 10235, National Bureau of Economic Research, Inc.
    5. Teresa Ghilarducci & Siavash Radpour & Anthony Webb, 2018. "New Evidence on the Effect of Economic Shocks on Retirement Plan Withdrawals," SCEPA working paper series. 2018-03, Schwartz Center for Economic Policy Analysis (SCEPA), The New School.
    6. Leganza, Jonathan M., 2024. "The effect of required minimum distributions on intergenerational transfers," Journal of Public Economics, Elsevier, vol. 232(C).
    7. Michelle Reyers & Daniël Gerhardus Gouws, 2014. "The rationality of retirement preservation decisions: A conceptual model," Journal of Economics and Behavioral Studies, AMH International, vol. 6(5), pages 418-431.
    8. Carolina Laureti & Ariane Szafarz, 2017. "Behavioral Banking: A Theory of the Banking Firm with Time-Inconsistent Depositors," Working Papers CEB 17-028, ULB -- Universite Libre de Bruxelles.
    9. Stuart, Ellen & Bryant, Victoria L., 2024. "The impact of withdrawal penalties on retirement savings," Journal of Public Economics, Elsevier, vol. 232(C).
    10. Goda, Gopi Shah & Jones, Damon & Ramnath, Shanthi, 2022. "Temporary and permanent effects of withdrawal penalties on retirement savings accounts✩," Journal of Public Economics, Elsevier, vol. 215(C).
    11. Seonghoon Kim & Kanghyock Koh, 2020. "Does Early Access To Pension Wealth Improve Health?," Economic Inquiry, Western Economic Association International, vol. 58(4), pages 1783-1794, October.
    12. Mahmoudi, Samir Elsadek, 2023. "Late-career unemployment shocks, pension outcomes and unemployment insurance," Journal of Public Economics, Elsevier, vol. 218(C).
    13. Robert Argento & Victoria L. Bryant & John Edward Sabelhaus, 2013. "Early withdrawals from retirement accounts during the Great Recession," Finance and Economics Discussion Series 2013-22, Board of Governors of the Federal Reserve System (U.S.).
    14. Laura Kawano & Sara LaLumia, 2017. "How Income Changes During Unemployment: Evidence from Tax Return Data," Journal of Human Resources, University of Wisconsin Press, vol. 52(2), pages 418-456.
    15. Anson T. Y. Ho & Jie Zhou, 2016. "Housing and Tax-Deferred Retirement Accounts," Staff Working Papers 16-24, Bank of Canada.
    16. Carolina Laureti & Ariane Szafarz, 2023. "Banking Regulation and Costless Commitment Contracts for Time-Inconsistent Agents," Working Papers CEB 23-010, ULB -- Universite Libre de Bruxelles.
    17. Timothy (Jun) Lu & Olivia S. Mitchell & Stephen P. Utkus & Jean A. Young, 2015. "Borrowing from the Future: 401(k) Plan Loans and Loan Defaults," NBER Working Papers 21102, National Bureau of Economic Research, Inc.
    18. Elena Derby & Lucas Goodman & Kathleen Mackie & Jacob Mortenson, 2022. "Changes in Retirement Savings During the COVID Pandemic," Papers 2204.12359, arXiv.org, revised Apr 2022.
    19. Yanwen Wang & Muxin Zhai & John G. Lynch, 2023. "Cashing Out Retirement Savings at Job Separation," Marketing Science, INFORMS, vol. 42(4), pages 679-703, July.
    20. Jeffrey R. Brown & Zoran Ivkovich & Paul A. Smith & Scott Weisbenner, 2007. "Neighbors Matter: Causal Community Effects and Stock Market Participation," NBER Working Papers 13168, National Bureau of Economic Research, Inc.
    21. Reyers, Michelle & van Schalkwyk, Cornelis Hendrik & Gouws, Daniël Gerhardus, 2015. "Rational and behavioural predictors of pre-retirement cash-outs," Journal of Economic Psychology, Elsevier, vol. 47(C), pages 23-33.

Chapters

  1. Gene Amromin, 2008. "Precautionary Savings Motives and Tax Efficiency of Household Portfolios: An Empirical Analysis," NBER Chapters, in: Tax Policy and the Economy, Volume 22, pages 5-41, National Bureau of Economic Research, Inc.
    See citations under working paper version above.
  2. Gene Amromin & Jennifer Huang & Clemens Sialm, 2007. "The Tradeoff between Mortgage Prepayments and Tax-deferred Retirement Savings," NBER Chapters, in: Public Policy and Retirement, Trans-Atlantic Public Economics Seminar (TAPES), pages 2014-2040, National Bureau of Economic Research, Inc.
    See citations under working paper version above.Sorry, no citations of chapters recorded.
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