NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Do Households Benefit from Financial Deregulation and Innovation? The Case of the Mortgage Market

Kristopher Gerardi, Harvey S. Rosen, Paul Willen

NBER Working Paper No. 12967
Issued in March 2007

---- Acknowledgements -----

The authors thank seminar audiences at Boston University, Boston College, the Federal Reserve Banks of Boston and San Francisco, the 2006 Applied Micro System Meeting, the Fall 2006 Macro System Meeting and Princeton's Public Finance working group for useful comments. We are especially grateful to Mark Aguiar, Alan Blinder, Mark Doms, Karen Dynan, Wendy Edelberg, Jean Grossman, Bob King, Yolanda Kodrzycki, Wayne Passmore, Julio Rotemberg, Scott Schuh, Frank Vannerson and Mark Watson for helpful suggestions. Finally, we thank Jeff Fuhrer for providing us with computer programs. This research has been supported by Princeton's Center for Economic Policy Studies. The views expressed herein are those of the author(s) and do not necessarily reflect the views of the National Bureau of Economic Research.

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