NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program

Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Tomasz Piskorski, Amit Seru

NBER Working Paper No. 18311
Issued in August 2012

---- Acknowledgements -----

The views presented in the paper do not necessarily reflect those of the FRB of Chicago, the Federal Reserve System, the Office of the Comptroller of the Currency, the U.S. Department of the Treasury, or the National Bureau of Economic Research. We thank John Campbell, John Cochrane, Dennis Glennon, Andrew Haughwout, Bruce Kruger, Chris Mayer, Atif Mian, Uday Rajan, Kristopher Rengert, Rik Sen, Amir Sufi, Francesco Trebbi, Joe Tracy, Kostas Tzioumis, Wilbert van der Klaauw and Luigi Zingales. We also thank the seminar participants at Berkeley, Chicago Booth, Cleveland Fed, Columbia, Penn State and Office of the Comptroller of the Currency, as well as participants at the AEA, NBER Summer Institute and the NYC Real Estate Conference, for helpful suggestions. We are indebted to Regina Villasmil and James Witkin for outstanding research assistance. Piskorski acknowledges the funding from the Paul Milstein Center for Real Estate at Columbia Business School and the NSF. Seru acknowledges the funding from the Institute of Global Markets at Booth School of Business at the University of Chicago.

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