NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Why Did So Many People Make So Many Ex Post Bad Decisions? The Causes of the Foreclosure Crisis

Christopher L. Foote, Kristopher S. Gerardi, Paul S. Willen

NBER Working Paper No. 18082
Issued in May 2012

---- Acknowledgements -----

This paper was prepared for the conference, “Rethinking Finance: New Perspectives on the Crisis,” organized by Alan Blinder, Andy Lo and Robert Solow and sponsored by the Russell Sage and Century Foundations. Thanks to Alberto Bisin, Ryan Bubb, Scott Frame, Jeff Fuhrer, Andreas Fuster, Anil Kashyap, Andreas Lehnert, and Bob Triest for helpful discussions and comments. The opinions expressed herein are those of the authors and do not represent the official positions of the Federal Reserve Banks of Boston or Atlanta, the Federal Reserve System, or the National Bureau of Economic Research.

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